Repayment In the Loan shall commence two yrs after the completion from the applicant’s NYSC programme. ten% from the applicant’s wage shall be deducted at supply by any employer for that repayment on the loan. And if they are self-used, they can remit 10% of their overall month-to-month revenue as https://africred.org/Malta-Student-Visa-for-Nigerians-Application-Guide