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.