What happens if my earnings are too low to repay my loan in full?

Zomia does not seek repayment from students after their loan contracts end. If a student borrows more than they can repay over the duration of the contract, then Zomia and Zomia lenders will absorb the student’s outstanding debt. This absolves the student of any further repayment responsibility. Students who cannot pay their loans in full, however, do not receive a number of incentives and rewards offered to Zomia students who fully repaid their loans.