Do repayments come from the student(s) I supported?

Some of the repayment will come from the student you supported, and the rest will come from other students who are also in repayment. This is a method we refer to as “pooling.”

In its most basic form, pooling means we proportionally allocate all student repayments to the lenders who supported them. This means that each repayment you receive is actually coming from a combination of the students you supported and other Zomia students who are repaying their loans. The frequency with which you receive repayments, however, remains linked to your students’ repayment schedules. If, for example, a student defers repayments for a period of time to return to graduate school, that student’s repayments are postponed, which means you would not receive repayments until the student started making repayments again.