اللَّهُمَّ إِنِّي أَعُوذُ بِكَ مِنَ الْهَمِّ وَالْحَزَنِ، وَأَعُوذُ بِكَ مِنَ الْعَجْزِ وَالْكَسَلِ، وَأَعُوذُ بِكَ مِنَ الْجُبْنِ وَالْبُخْلِ، وَأَعُوذُ بِكَ مِنْ غَلَبَةِ الدَّيْنِ وَقَهْرِ الرِّجَالِ
O Allah, I seek refuge in You from worry and grief. I seek refuge in You from incapacity and laziness. I seek refuge in You from cowardice and stinginess. And I seek refuge in You from the burden of debt and the overpowering of men.
Allahumma inni a'udhu bika minal-hammi wal-hazan, wa a'udhu bika minal-'ajzi wal-kasal, wa a'udhu bika minal-jubni wal-bukhl, wa a'udhu bika min ghalabatid-dayni wa qahrir-rijal.
When to Read
Recite this dua frequently, especially when feeling overwhelmed by your financial situation, when seeking employment, or when preparing to make financial decisions. It's particularly potent when facing the anxiety of student loan repayment.
How to Read
Raise your hands in supplication, making sincere intention to Allah (SWT). Believe in His power to relieve your burdens. Recite it with concentration and humility, understanding the deep meaning of seeking Allah's protection from these afflictions. It's recommended to recite it after every obligatory prayer, as well as in the morning and evening.
Virtues & Benefits
This comprehensive dua offers protection from several debilitating states: emotional distress (worry and grief), physical and mental weakness (incapacity and laziness), character flaws (cowardice and stinginess), and the severe external pressures of overwhelming debt and subjugation by others. By seeking refuge in Allah from 'ghalabatid-dayn' (the overwhelming of debt), you are directly asking for His help in managing and clearing your financial obligations, including student loans.
Source & Authentication
It was narrated from Anas that the Prophet Muhammad ﷺ used to say: 'Allahumma inni a'udhu bika minal-hammi wal-hazan, wa a'udhu bika minal-'ajzi wal-kasal, wa a'udhu bika minal-jubni wal-bukhl, wa a'udhu bika min ghalabatid-dayni wa qahrir-rijal.' (O Allah, I seek refuge in You from worry and grief. I seek refuge in You from incapacity and laziness. I seek refuge in You from cowardice and stinginess. And I seek refuge in You from the burden of debt and the overpowering of men.)