PDRAP program issues students loans to pay their eligible debt. Each year a participant remains in the program 10% of the outstanding loan amount is forgiven.

Year 1 - 10% is forgiven, 90% is carried forward

Year 2 - Carried forward amount +  loan from Year 2 are eligible for 20% forgiveness and the remainder is carried forward

Year 3 - Carried forward amount + loan from Year 3 are eligible for 30% forgiveness and the remainder is carried forward

Year 4 - Carried forward amount + loan from Year 4 are eligible for 40% forgiveness and the remainder is carried forward

Year 5 - Carried forward amount + loan from Year 5 are eligible for 50% forgiveness and the remainder is carried forward

Year 6 - Carried forward amount + loan from Year 6 are eligible for 60% forgiveness and the remainder is carried forward

Year 7 - Carried forward amount + loan from Year 7 are eligible for 70% forgiveness and the remainder is carried forward

Year 8 - Carried forward amount + loan from Year 8 are eligible for 80% forgiveness and the remainder is carried forward

Year 9 - Carried forward amount + loan from Year 9 are eligible for 90% forgiveness and the remainder is carried forward

Year 10 - Carried forward amount + loan from Year 10 are forgiven. No more loan

If a student leaves the program (no longer eligible or does not fill out an application form), the carried forward loan amount is due and the student needs to start repaying it.