But might I also end up repaying less than I accept in loans?

Yes. In exchange for our help financing your education, Zomia collects income-based repayments for a preset contract term. This period ranges from 10 to 20 years depending upon the value of your loan; higher loan values require longer repayment terms. If the contact term elapses and your loan has not been repaid in full, we still consider your contract fulfilled. You will forfeit certain incentives, however, if you fail to repay 100% of your loan.