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 144 USD 253 USD (2021) 272 USD (2021) 291 USD (2022) March 30, 2021
Cambodia Phnom Penh 600,000 KHR 148 USD 142 USD (2022) 149 USD (2022) 148 USD (2022) June 18, 2017
Cambodia Rural Areas & Other 420,000 KHR 104 USD 142 USD (2022) 149 USD (2022) 148 USD (2022) June 18, 2017
Canada All Locations 2,900 CAD 2,119 USD 4,413 USD (2022) 4,581 USD (2022) 3,609 USD (2022) November 1, 2023
China, Hong Kong Special Administrative Region Hong Kong 10,400 HKD 1,327 USD 4,531 USD (2022) 4,082 USD (2022) 4,142 USD (2022) January 21, 2019
Czech Republic All Locations 18,000 CZK 761 USD 2,216 USD (2022) 2,303 USD (2022) 1,912 USD (2020) January 12, 2022
Germany All Locations 1,950 EUR 2,092 USD 4,449 USD (2022) 4,036 USD (2022) 3,895 USD (2022) March 24, 2022
Japan Tokyo 185,743 JPY 1,212 USD 3,537 USD (2022) 2,818 USD (2022) 2,863 USD (2022) September 4, 2018
Japan Okinawa 142,297 JPY 929 USD 3,537 USD (2022) 2,818 USD (2022) 2,863 USD (2022) September 4, 2018
Myanmar Yangon 300,000 MMK 100 USD 101 USD (2022) 91 USD (2022) 92 USD (2022) May 22, 2023
Myanmar Rural Areas & Other 200,000 MMK 67 USD 101 USD (2022) 91 USD (2022) 92 USD (2022) May 22, 2023
Nepal Kathmandu 20,000 NPR 150 USD 112 USD (2022) 111 USD (2022) 108 USD (2022) June 1, 2021
Nepal Rural Areas & Other 12,000 NPR 90 USD 112 USD (2022) 111 USD (2022) 108 USD (2022) June 1, 2021
Singapore Singapore 3,000 SGD 2,218 USD 5,600 USD (2022) 6,901 USD (2022) 6,619 USD (2022) November 1, 2023
Thailand Bangkok 14,000 THB 384 USD 603 USD (2022) 576 USD (2022) 636 USD (2022) June 18, 2017
Thailand Bangkok Suburbs 12,000 THB 329 USD 603 USD (2022) 576 USD (2022) 636 USD (2022) June 18, 2017
Thailand Other Cities w/ 100,000+ People 12,000 THB 329 USD 603 USD (2022) 576 USD (2022) 636 USD (2022) June 18, 2017
Thailand Rural Areas & Other 10,000 THB 274 USD 603 USD (2022) 576 USD (2022) 636 USD (2022) June 18, 2017
United Kingdom All Locations 1,810 GBP 2,272 USD 4,074 USD (2022) 3,821 USD (2022) 3,427 USD (2022) November 1, 2023
United States Cities w/ 250,000+ People 2,010 USD 2,010 USD 6,364 USD (2022) 6,367 USD (2022) 5,257 USD (2022) July 15, 2019
United States Rural & Cities w/ <250,000 People 1,445 USD 1,445 USD 6,364 USD (2022) 6,367 USD (2022) 5,257 USD (2022) July 15, 2019