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
Cambodia Phnom Penh 600,000 KHR 149 USD 95 USD (2017) 115 USD (2017) 116 USD (2017) June 18, 2017
Cambodia Rural Areas & Other 420,000 KHR 104 USD 95 USD (2017) 115 USD (2017) 116 USD (2017) June 18, 2017
Japan Tokyo 185,743 JPY 1,637 USD 3,167 USD (2017) 3,202 USD (2017) 3,203 USD (2017) September 4, 2018
Japan Okinawa 142,297 JPY 1,254 USD 3,167 USD (2017) 3,202 USD (2017) 3,203 USD (2017) September 4, 2018
Myanmar Yangon 250,000 MMK 159 USD 99 USD (2017) 108 USD (2017) 105 USD (2017) July 17, 2018
Myanmar Rural Areas & Other 160,000 MMK 102 USD 99 USD (2017) 108 USD (2017) 105 USD (2017) July 17, 2017
Thailand Bangkok 14,000 THB 427 USD 475 USD (2017) 549 USD (2017) 549 USD (2017) June 18, 2017
Thailand Bangkok Suburbs 12,000 THB 366 USD 475 USD (2017) 549 USD (2017) 549 USD (2017) June 18, 2017
Thailand Other Cities w/ 100,000+ People 12,000 THB 366 USD 475 USD (2017) 549 USD (2017) 549 USD (2017) June 18, 2017
Thailand Rural Areas & Other 10,000 THB 305 USD 475 USD (2017) 549 USD (2017) 549 USD (2017) June 18, 2017