What is the ruling on helping my brother and his wife repay a usurious loan, whether by paying them a monthly sum or by settling the bank's debt in a single payment, while gifting a portion of it and requesting the remainder as a loan?

If a person is compelled to pay off usurious debts that exceed the principal amount, it is permissible to pay them. Accordingly, it is better to pay off the remaining bank debt in a single installment to extricate your brother from dealing with usury, whether the amount is the principal or the interest, as long as he has repented from dealing with usury. However, if his repentance is not evident, it is not advisable to pay any of the interest.

This concession is based on the general texts that encourage kindness to Muslims and relatives, assisting them, and fulfilling their needs, such as the Prophet's (PBUH) saying: "Whoever relieves a believer of a worldly distress, Allah will relieve him of a distress on the Day of Resurrection. Whoever facilitates things for someone in difficulty, Allah will facilitate things for him in this world and the Hereafter. Whoever conceals a Muslim's fault, Allah will conceal his fault in this world and the Hereafter. Allah is in the aid of His servant as long as the servant is in the aid of his brother." Also, it is based on the texts that encourage cooperation in righteousness and piety, such as Allah's saying: "And cooperate in righteousness and piety, but do not cooperate in sin and aggression" (Al-Ma'idah: 2). Indeed, extricating your brother from the predicament of usury is considered cooperation in righteousness and piety.