In Islam, taking on debt to fund Hajj is generally not recommended unless a person has the ability to repay the debt without causing financial hardship. This is because Islam encourages Muslims to prioritize their financial obligations and responsibilities, such as their family’s welfare and debt repayment, before undertaking optional acts of worship like Hajj.

If a Muslim is not able to pay for Hajj out of their own savings or funds, they can consider delaying their pilgrimage until they are financially able to afford it. Alternatively, they can seek financial assistance from their family, friends, or the community, or look for more affordable options to perform Hajj.

It is important to note that taking on debt to fund Hajj can put a person into financial hardship and may lead to debt-related stress and problems. Therefore, it is recommended that Muslims plan and save for Hajj in advance, so that they can perform the pilgrimage without causing financial difficulty for themselves or their families. If they do decide to take on debt, they should only do so if they are confident that they can repay it without causing financial hardship.