After leaving school, borrowers are given a six-month grace period during which repayment is not expected. At the end of this grace period, income is assessed and, if it meets or exceeds the monthly threshold for the borrower's location of employment, payments are scheduled and repayment begins.

The following table lists Zomia's income thresholds for various locations. Thresholds are established and revised periodically using macroeconomic indicators such as those included below. If a graduate chooses to work in a location other than those listed, a new threshold will be established.



CountryCity/AreaMonthly IncomeUSD Equivalent Monthly GNI Monthly GDP GDP (IMF)Last Update
Bhutan Thimphu 12,000 BTN 163 USD 262 USD (2019) 276 USD (2019) 309 USD (2020) March 30, 2021
Cambodia Phnom Penh 600,000 KHR 147 USD 128 USD (2019) 137 USD (2019) 144 USD (2020) June 18, 2017
Cambodia Rural Areas & Other 420,000 KHR 103 USD 128 USD (2019) 137 USD (2019) 144 USD (2020) June 18, 2017
China, Hong Kong Special Administrative Region Hong Kong 10,400 HKD 1,336 USD 4,233 USD (2019) 4,059 USD (2019) 4,514 USD (2020) January 21, 2019
Japan Tokyo 185,743 JPY 1,677 USD 3,476 USD (2019) 3,354 USD (2019) 3,646 USD (2020) September 4, 2018
Japan Okinawa 142,297 JPY 1,285 USD 3,476 USD (2019) 3,354 USD (2019) 3,646 USD (2020) September 4, 2018
Myanmar Yangon 275,000 MMK 147 USD 116 USD (2019) 117 USD (2019) 130 USD (2020) January 30, 2019
Myanmar Rural Areas & Other 160,000 MMK 85 USD 116 USD (2019) 117 USD (2019) 130 USD (2020) June 15, 2019
Nepal Kathmandu 20,000 NPR 170 USD 91 USD (2019) 89 USD (2019) 83 USD (2020) June 1, 2021
Nepal Rural Areas & Other 12,000 NPR 102 USD 91 USD (2019) 89 USD (2019) 83 USD (2020) June 1, 2021
Thailand Bangkok 14,000 THB 419 USD 605 USD (2019) 651 USD (2019) 662 USD (2020) June 18, 2017
Thailand Bangkok Suburbs 12,000 THB 359 USD 605 USD (2019) 651 USD (2019) 662 USD (2020) June 18, 2017
Thailand Other Cities w/ 100,000+ People 12,000 THB 359 USD 605 USD (2019) 651 USD (2019) 662 USD (2020) June 18, 2017
Thailand Rural Areas & Other 10,000 THB 299 USD 605 USD (2019) 651 USD (2019) 662 USD (2020) June 18, 2017
United States Cities w/ 250,000+ People 2,010 USD 2,010 USD 5,488 USD (2019) 5,441 USD (2019) 5,553 USD (2020) July 15, 2019
United States Rural & Cities w/ <250,000 People 1,445 USD 1,445 USD 5,488 USD (2019) 5,441 USD (2019) 5,553 USD (2020) July 15, 2019