Regional Relief and Recovery Fund (RRRF) — funding requests up to $60,000

Table of contents

• When to apply
• How to apply
  • Step 1: Apply for the initial funding of up to $40,000
  • Step 2: Apply for the up-to-$20,000 expansion
• Notification of decision
• Disbursement of the contribution
• Repayment terms
• Reporting requirements
• Frequently asked questions
  • About the RRRF
  • About the application
  • About the funding expansion of up to $20,000

When to apply

Tech support ends at 5:00 pm, June 30, 2021

RRRF applications will be accepted until Wednesday, June 30, 2021, at 11:59 pm Mountain Time. However, we strongly advise you to submit your application by 4:00 pm, as there will be no support available after 5:00 pm.

The last day to submit an RRRF application is June 30, 2021, no later than 11:59 pm Mountain Time. Applications will be assessed as they are received.

Funding is subject to availability. To ensure the benefits are available to as many businesses as possible, WD will only fund one business per person.

How to apply

Step 1. First, you must apply for initial funding of up to $40,000 based on your company’s operating deficit (total operating costs minus revenue) from April 1, 2020 – September 30, 2020.

Step 2. Once your business has applied for the initial funding, you will be invited by email to apply for the expansion funding of up to $20,000 based on your company’s operating deficit (total operating costs minus revenue) from October 1, 2020 to March 31, 2021.

If you have already received funding or submitted an application for up to $40,000 and want to submit an application for the expansion funding, please go to how to apply for the expansion of up to $20,000.

Step 1. Apply for initial funding of up to $40,000

• 1. Check the eligibility criteria to make sure your business qualifies for this funding

  1. Your business is located in Western Canada (defined as British Columbia, Alberta, Saskatchewan or Manitoba)
  2. Your business is not located in a rural area serviced by a Community Futures (CF) office
     • Find and contact your local CF office in British Columbia
     • Find and contact your local CF office in Alberta
     • Find and contact your local CF office in Saskatchewan
     • Find and contact your local CF office in Manitoba
  3. Your business has fewer than 500 full-time employees (FTEs)
  4. Your business is not eligible for, or has been declined for, CEBA funding
  5. Your business is not eligible for the “RRRF – Community Futures Stream”
  6. Your business is not eligible for the “RRRF – Women’s Enterprise Initiative Stream”
  7. Your business was operational as of March 1, 2020
  8. Your business has suffered financially because of the COVID-19 pandemic
  9. You intend to continue operations in Western Canada

  Examples of businesses that are not eligible to apply to the RRRF

  • Sole proprietorships
  • Not-for-profit organizations
  • A government organization or body, or an entity owned by a government organization or body.
  • A union, charitable, religious or fraternal organization or entity owned by such an organization or if you are, you are a registered organization that has filed your T2 return or T3010 return and that generates a portion of your revenue from the sales of goods or services.
  • An entity owned by any Federal Member of Parliament or Senator; and
  • An entity that promotes violence, incites hatred or discriminates on the basis of sex, gender identity or expression, sexual orientation, colour, race, ethnic or national origin, religion, age or mental or physical disability, contrary to applicable laws.
• 2. Gather and prepare all required documentation before starting your application

  Review this guide before starting your application, as the form must be completed in one session. Prepare all requested documentation.

  Supplementary materials other than those identified in the application will not be assessed and should not be submitted.

• 3. Complete your application form using this guide. The sections below correspond with the sections in the application

  Complete all mandatory fields in each section or indicate if a field is not applicable. Use the best available information at the time of completion of the application.

  Note that the application form will display an error message if you are missing any required information and attempt to submit.

  The application form is best supported by Google Chrome or Internet Explorer.

  Organization information section

  • Legal name of applicant organization: The name of the business or organization.
  • Operating name: The name under which the business is publicly conducted e.g., 123456 Western Ltd., operating as XYZ Technologies.
  • Operating facilities: Select each province where your operating facilities are located.
  • Federal lands: Indicate whether any of the proposed activities will occur on federal lands, as defined in the Impact Assessment Act. Activities on federal lands could be subject to additional requirements.
  • What date did your business commence operations in Canada? Provide the date you started business operations in Canada. This may differ from your date of incorporation.
  • Organization type: Select from the drop down menu, what most accurately reflects your organization type. This program only supports for-profit companies. Not for-profit organizations are not eligible to apply.
  • Business structure: Select the business structure most applicable. Sole proprietorships are not eligible to apply.
  • Number of employees: Indicate the number of Full-Time Equivalent employees (FTEs) working for your business. Part-time employees should be calculated based on their equivalent FTE (i.e., one part time employee working approximately 20 hours per week should be represented as 0.5 FTE).
  • Note: RRRF is open to SMEs with less than 500 full-time employees.
  • Women-owned, Indigenous-owned, Tourism business: Select if applicable (optional). Information will be collected for Government of Canada reporting purposes. It is not an eligibility factor.

  Organization unique identification number section

  • Canada Revenue Agency (CRA) Business Number: The business number is a unique 9-digit number assigned by the CRA.
  • Incorporation type: Select the category that most accurately reflects your incorporation type. If provincially incorporated, indicate the province.
  • Incorporation number: As shown on your Certification of Incorporation.
  • Date of incorporation (YYYY-MM-DD): The date stated on the company’s Articles of Incorporation.

  Primary contact section

  • Primary contact information: Indicate the person authorized to represent the business or organization. This person will be the main point of contact regarding the funding request.

  Financial information section

  • Reported salary expenses from January 1, 2019 to December 31, 2019: Information will be collected for Government of Canada reporting purposes. It is not an eligibility factor.
  • Arrears on outstanding debt: Has your business been in arrears for more than 3 months on outstanding debt in the last year? If you select Yes, this will not make you ineligible for RRRF funding. However, additional follow up may be required.
  • Operating costs between April 1, 2020 - September 30, 2020: The purpose of this program is to support fixed operating expenses that are not supported through other programs. This includes costs such as: utilities, insurance, debt expense (e.g. interest payments, bank charges), professional fees, rent, wages and salaries, property and business taxes and other costs. Provide explanation of other costs.
    Costs that are subsidized/funded in whole or in part through Canada Emergency Wage Subsidy (CEWS) or any other government programs should not be included or claimed as costs in your RRRF application.
    For example, if you have received $20,000 from CEWS for salary costs, you should not claim this amount in your costs on your RRRF application.
  • Revenue between April 1, 2020 - September 30, 2020: Indicate your revenue for this six-month period.
    Funds received from the Canada Emergency Wage Subsidy (CEWS) or other government programs to cover operating costs during the claim period should not be included as revenue in your RRRF Application.
    For example, if you have received $20,000 from CEWS for salary costs, you should not include this amount as revenue on your RRRF application.
  • Operating balance: This will be a determination of your operating deficit, which is an automated calculation of your total operating costs minus total revenue. The amount of funding requested in the application must not exceed the amount calculated as your operating balance. For example, $100,000 (operation costs) minus $75,000 (revenue) equals $25,000 (operating deficit). In this example, the application for RRRF funding could not exceed $25,000. If approved, you would receive $25,000 (the amount of your deficit) not the full $40,000.

  Business information section

  Provide a description of your organization and its principal business line(s).

  Bank account information section

  Your bank account information is requested by WD for the purpose of administering electronic payment/repayments.

  • Attach a blank "VOID" cheque from the account you wish to use for electronic payments, OR
  • Obtain a bank letter/confirmation directly from the bank (e.g. direct deposit notification form).

  Authorized official of the applicant organization acknowledgements section

  Ensure you have read and agree with the acknowledgements and certify that all statements and information in this application are true, complete, and correct the best of your knowledge. The individual authorized to sign the application on the organization’s behalf has reviewed the application and agrees that the information provided is accurate.

  • The application form must be submitted by a member of your organization with signing power/authority to enter into a legal agreement.
  • Note that WD may conduct a credit check (e.g. Equifax) for funding requests.
• 4. Attach all requested documentation to your application

  • Supplementary materials other than those identified in the application will not be assessed and should not be submitted.
  • A maximum of three (3) files can be uploaded per application.
  • All files must be uploaded at the same time.
  • For Windows users: To attach multiple files, select the first file, then press and hold the [Ctrl] key. While holding down the [Ctrl] key, click each of the other files you want selected, then click Open.
  • For Mac users: To attach multiple files, select the first file, then press and hold the [Command] key. While holding down the [Command] key, click each of the other files you want selected, then click Open.
  • Incomplete applications, with missing mandatory information or documentation, will not be assessed and will be considered ineligible for funding.
  • The application form will display an error message if you are missing any required information and attempt to submit.
• 5. Print a copy of your completed application before you submit

  Please print the application form for your records.

• 6. Print the reference number you will receive after submitting your application

  Once you have submitted your application, a confirmation message with your Reference Number will be displayed on your screen. Please print this page for your records.

Step 2. Apply for the expansion of up to $20,000

The maximum amount of funding under the expansion is up to $20,000 regardless of the original amount approved (i.e. if a successful applicant did not receive the full $40,000, they can stll only apply for up to a maximum of $20,000).  Funding is based on the company’s operating deficit from October 1, 2020 to March 31, 2021.

• 1. Check the eligibility criteria to make sure your business qualifies for this funding

  Once you have applied or have received a repayable contribution under the RRRF Program (up to $40,000), you will receive an email invitation with a link to apply for up to $20,000 more based on your company’s operating deficit (total operating costs minus revenue) from October 1, 2020 to March 31, 2021.

  To apply for the funding expansion of up to $20,000, businesses must meet the following mandatory criteria:

  • Have already received funding or submitted an application for the initial funding of up to $40,000
  • Have the reference number from your original application and a CRA business number (or provincial incorporation number) that matches the one in your original application
  • Continue to meet the eligibility requirements of the initial RRRF funding of up to $40,000
• 2. To access your RRRF expansion application form, click on the link included in the email inviting you to apply to the RRRF expansion program

  If you have already obtained or submitted an application for the initial funding of up to $40,000, you should have received an email invitation to apply for the expansion up to $20,000. The subject line of the email is "Regional Relief and Recovery Fund (RRRF) Expansion."

• 3. Complete the application form using this guide. The sections below correspond with the sections in the application

  • Complete all mandatory fields in each section or indicate if a field is not applicable. Use the best available information at the time of completion of the application.
  • The application form will display an error message if you are missing any required information and attempt to submit.

  Client validation

  Application Reference Number: This is the "Application Reference Number" you would have received from WD.  It has the following format C19-XXXXXX.

  • CRA Business Number: The business number is a unique 9-digit number assigned by the CRA.
  • Incorporation number: As shown on your Certification of Incorporation.
  • Project Number: If you were approved for RRRF funding (up to $40,000), you would have received a Contribution Agreement with the project number located at the top right hand corner of the agreement.

  Canada Emergency Business Account Validation (CEBA)

  CEBA Funding: You must confirm that you have not or will not be receiving CEBA funds in order to qualify for this additional funding. If you have received CEBA funds, you are ineligible to apply for the RRRF expansion.

  Organization information

  • Legal name of applicant organization: The name of the business or organization.
  • Operating name if different from Legal name: The name under which the business is publicly conducted e.g., 123456 Western Ltd., operating as XYZ Technologies.

  Funding request

  • What amount of WD funding is being requested (up to a maximum of $20,000).  Note the funding amount will be the lesser of either $20,000 or the operating deficit (total operating costs minus total revenue).

  Financial information

  • Operating costs between October 1, 2020 - March 31, 2021: The purpose of this program is to support fixed operating expenses that are not supported through other programs. This includes costs such as: utilities, insurance, debt expense (e.g. interest payments, bank charges), professional fees, rent, wages and salaries, property and business taxes and other costs. Provide explanation of other costs.
  • Revenue between October 1, 2020 - March 31, 2021: Indicate your revenue for this six-month period.
  • Operating balance: This will be a determination of your operating deficit, which is an automated calculation of your total operating costs minus total revenue. The amount of funding requested in the application must not exceed the amount calculated as your operating balance. For example, $100,000 (operation costs) minus $90,000 (revenue) equals $10,000 (operating deficit). In this example, the application for RRRF expansion funding could not exceed $10,000. If approved, you would receive $10,000 (the amount of your deficit) not the full $20,000.

  Bank account information

  Indicate if you would like these additional funds deposited into the same business bank account listed in your RRRF application (up to $40,000). If your response is no, provide an explanation.

  Authorized official of the applicant organization acknowledgements

  Ensure you have read and agree with the acknowledgements and certify that all statements and information in this application are true, complete, and correct the best of your knowledge. The individual authorized to sign the application on the organization’s behalf has reviewed the application and agrees that the information provided is accurate.

  • The application form must be submitted by a member of your organization with signing power/authority to enter into a legal agreement.
  • Note that WD may conduct a credit check (e.g. Equifax) for funding requests.
• 4. Print a copy of your completed application before you submit

  Please print the application form for your records.

• 5. Print the reference number you will receive after submitting your application

  Once you have submitted your application, a confirmation message with your Reference Number will be displayed on your screen. Please print this page for your records.

Notification of decision

Payment will be issued once the contribution agreement between client and WD is finalized. WD will make best efforts to respond as quickly as possible. Applicants will receive a notification of decision as soon as the assessment is complete.

Disbursement of the contribution

If an application for funding is approved, you will be asked to review and accept a Contribution Agreement with WD before funds are disbursed through a single payment.

The total amount of the contribution must be reported as income in the year in which the contribution is received.

Repayment terms

If you repay the outstanding balance on or before December 31, 2022, the following percentage of the contribution will be forgiven:

• 25% on the first $40,000; and
• 50% on amounts above $40,000 and up to $60,000.

The forgivable portion is only available if the entire outstanding amount is repaid by December 31, 2022.

For funding of up to $40,000:

• Repayment of 75%, or up to $30,000, of the contribution amount, on or before December 31, 2022, will result in the forgiveness of 25%, or up to $10,000 of the total contribution
• No scheduled monthly repayments are required until after December 31, 2022
• If 75% of the contribution amount is not repaid by December 31, 2022, the balance owing will be converted to an additional three (3) year term repayable contribution (with a fixed monthly repayment schedule), beginning January 2023, with no forgivable portion.
• The full balance, of the contribution amount must be repaid no later than December 31, 2025

For funding above $40,000 and up to $60,000

• Repayment of 50% or up to $10,000, of the contribution amount, on or before December 31, 2022, will result in the forgiveness of 50% or up to $10,000 of the total contribution.
• No scheduled monthly repayments are required until after December 31, 2022
• If 50% of the contribution amount is not repaid by December 31, 2022, the balance owing will be converted to an additional three (3) year term repayable contribution (with a fixed monthly repayment schedule), beginning January 2023, with no forgivable portion
• The full balance, of the contribution amount must be repaid no later than December 31, 2025

Reporting requirements

Funding recipients will be required to attest that the full amount of the contribution was expended for operating costs, such as rent, wages and salaries, utilities, insurance, debt expenses, professional fees and property and business taxes.

Businesses will be required to submit a final report that includes:

• Number of jobs maintained, as a result of RRRF
• Confirmation that the business is continuing its operations
• Other metrics as may be requested by WD

WD may request a copy of the Recipient’s financial statements.

Frequently asked questions

About the RRRF

• What funding options are there for sole proprietors and social enterprises?

  Businesses that are sole proprietors receiving income directly from their businesses, businesses that rely on contractors, and family-owned corporations that pay employees through dividends rather than payroll may be eligible for either:

  • The Canada Emergency Business Account
  • The “RRRF – Community Futures Stream” for small rural businesses including sole proprietors and social enterprises, are eligible for loans up to a maximum of $40,000 if they are located in communities serviced by a Community Futures organization; or
  • The “RRRF – WEI Stream” for women-owned or women-led small businesses in both urban and rural areas, including sole proprietors and social enterprises, are eligible for loans up to a maximum of $40,000.

  Please note that your business may apply or receive funding from one program alone.

• I am eligible to apply under RRRF and CEBA. Which funding should I apply for?

  For RRRF requests delivered by WD,* up to $40,000 is available to those who have applied, but did not qualify for existing Government of Canada COVID-19 related support such as CEBA. As such, please apply for CEBA before applying for RRRF.

  *Under the “RRRF – CF Stream,” rural SMEs can apply for loans up to a maximum of $40,000. Rural SMEs can apply under CEBA or the “RRRF – CF Stream,” but cannot apply or receive funding from both.

  Visit the “RRRF – Community Futures Stream” for more information.

• I have already applied for funding (up to $40,000) under RRRF, but now I am eligible to apply for CEBA under the expanded eligibility rules. Should I apply for CEBA instead?

  Due to CEBA’s expanded eligibility rules that were announced on May 18, 2020, applicants may wish to withdraw* their RRRF application and apply for CEBA.

  Under CEBA, applicants can receive a full $40,000 regardless of the operating balance of their business. Under RRRF, applicants can only receive the amount of their operating balance (up to $40,000).

  *See section About the application to learn how to submit a request to withdraw your funding application.

• I have received support from the Canada Emergency Wage Subsidy (CEWS) and/or other government programs. Can I still apply for RRRF Funding?

  Yes, you can still apply.

  If you have received the Canada Emergency Wage Subsidy (CEWS) or the National Research Council Canada Industrial Research Assistance Program (NRC-IRAP) Innovation Assistance Program (IAP), you may still be eligible under the RRRF for financial support. However, the portion of costs for salaries and benefits that were supported by these programs must be excluded from consideration.

  If you have received the Canada Emergency Rent Subsidy (CERS), you may be eligible under the RRRF for financial support. However, the portion of costs covered by CERS (including but not limited to: rent, customary operating expenses, property and similar taxes, property insurance, interest on commercial mortgages, other eligible expenses) must be excluded from your application.

  If you have received funding from other government programs for operating costs during the claim period, you will need to exclude them in your cost and revenue reporting in your RRRF application. You cannot claim the same costs for your RRRF application that have already been subsidized by another government program.

About the application

• Should I include dividend payments as part of the payroll expenses?

  Dividends should not be added to payroll expenses. As such, you may have to report a $0 entry in the payroll field. Please report dividend payments under "other" in the Operating Cost Table.

• How do I withdraw or update my funding application?

  An email is required from the primary or authorizing official contact stating their request to withdraw or update their funding application.

  Please email the nearest WD Contact Centre and include the application number in the request.

• Is my application transferrable between RRRF and other funding support programs?

  No, WD’s RRRF applications are non-transferrable. SMEs will need to resubmit a new application for each funding relief program, including the Community Futures COVID-19 support program.

About the funding expansion of up to $20,000

General

• I already repaid my original RRRF funding. Can I still apply for the expansion?

  Yes, you may apply for the expansion up to $20,000.

• Can I apply for an amount other than $20,000 for the expansion?

  Businesses applying for the expansion can apply for any amount up to $20,000 based on financial need. Financial need is determined by operating deficit (total operating costs minus total revenue) between October 1, 2020 and March 31, 2021.

• If I already received funding through the RRRF program, am I required to apply for the expansion even if I don’t want additional funding?

  No. If you do not require additional funding, you should not apply.

• I received less than $40,000 under the RRRF Program, am I eligible to apply for the full $20,000?

  Yes. Applicants applying for the expansion can apply for any amount up to $20,000 based on financial need. Financial need is determined by operating deficit (total operating costs minus total revenue) between October 1, 2020 and March 31, 2021.

• I applied for the RRRF Program (up to $40,000) and my application is still under review. Can I still apply for the RRRF expansion?

  Yes, you can apply.

• Do I need to submit a new application for the $20,000 expansion?

  Yes, you will need to submit a new simplified application. You must provide the reference number included with your original application in the expansion application. If you have already been approved, you must include your project number as well.

• Where can I find my reference number?

  Your reference number can be found on the confirmation email with subject line: "Application received / Accusé de réception de la demande", that you received after applying for the RRRF program. The reference number should look like C19-00xxxx.

• If I have already received RRRF funding, where can I find my project number?

  Your five-digit project number can be found on the top right hand corner of your contribution agreement.

• Will I automatically get approved for additional $20,000 if I have already received RRRF funding, or is there a chance I will get declined?

  Applicants who have already received RRRF funding must apply separately for the expansion. In order to receive funding, applicants must meet all eligible criteria and demonstrate ongoing financial need and approval is subject to funding availability.

  WD will validate the status of your company through Canada’s Business Registries. If your company status is found to be dissolved, struck, or inactive, your expansion application may be declined.

• Can I apply for the RRRF Expansion if my original RRRF application was declined?

  No, you cannot apply for the expansion if your original RRRF application has been declined. However you can re-apply to the RRRF program if your circumstances have changed.

• If I reapplied to the RRRF program, will I need to reapply to the RRRF expansion?

  Yes, you will need to re-apply and provide your new reference number.

• What if I run more than one business?

  To ensure the benefits are available to as many businesses as possible, WD will only fund one business per person.

• Is a Canada Revenue Agency (CRA) Business Number required to apply?

  The same 9-digit CRA Business Number used in the RRRF application is required to apply. If you did not include a CRA Business number, please include your incorporation number in the application.

• I did not receive a confirmation email with my reference number, what should I do?

  Please check your junk/spam folder. The email may not be required if you printed or wrote down your reference number after completing the form. If you do not have any record of your reference number, please contact a WD Regional Office.

• I made an error in the information I submitted for the expansion application. What should I do?

  If you have made an error in your expansion application, please contact a WD Regional Office.

• What do I do if my application is declined?

  All declined applicants will be notified directly by WD, along with a reason for the decline. An applicant may re-apply if there is new/ additional information or to make a correction.

Repayment Terms

• What are the repayment terms for RRRF funding?

  If you repay the outstanding balance on or before December 31, 2022, the following percentage of the contribution will be forgiven:

  • 25 percent on the first $40,000; and
  • 50 percent on amounts above $40,000 and up to $60,000.

  The forgivable portion is only available if all other amounts outstanding are repaid by December 31, 2022. For example, if you received total RRRF funding of $60,000, then $20,000 will be forgiven  if the full $40,000 is repaid by December 31, 2022.

  If you borrowed $40,000 or less

  Repaying the outstanding balance of the contribution (other than the amount available to be forgiven) on or before December 31, 2022 will result in a forgiveness of 25 percent (up to $10,000).

  Example 1:
  Maximum Amount Borrowed: $40,000
  Amount Repaid By December 31, 2022: $30,000
  Available Forgiveness: $10,000

  Example 2:
  Maximum Amount Borrowed: $20,000
  Amount Repaid By December 31, 2022: $15,000
  Available Forgiveness: $5,000

  Example 3:
  Maximum Amount Borrowed: $40,000
  Amount Repaid By December 31, 2022: $25,000
  Available Forgiveness: $0

  If you borrowed more than $40,000 and up to $60,000

  If you received a total contribution amount above $40,000, the terms of your forgiveness have changed and are described here.

  If you repay the outstanding balance  on or before December 31, 2022, the following percentage of the contribution will be forgiven:

  • 25 percent on the first $40,000; and
  • 50 percent on amounts above $40,000 and up to $60,000.

  The forgivable portion is only available if all other amounts outstanding are repaid by December 31, 2022. For example, if you received total RRRF funding of $60,000, then $20,000 will be forgiven  if the full $40,000 is repaid by December 31, 2022.

  Example 4:
  Maximum Amount Borrowed: $60,000
  Amount Repaid By December 31, 2022: $40,000
  Available Forgiveness: $20,000 ($40,000 × 25% + $20,000 × 50%)

  Example 5:
  Maximum Amount Borrowed: $50,000
  Amount Repaid By December 31, 2022: $35,000
  Available Forgiveness: $15,000 ($40,000 × 25% + $10,000 × 50%)

  Example 6:
  Maximum Amount Borrowed: $60,000
  Amount Repaid By December 31, 2022: $35,000
  Available Forgiveness: $0

  If you fully repaid your original contribution, claimed forgiveness, and thereafter received the expansion

  Repaying the outstanding balance of the $20,000 expansion (other than the amount available to be forgiven) on or before December 31, 2022 will result in forgiveness of 50 percent (up to $10,000).

  Example 7:
  RRRF Original: $40,000
  RRRF Original (Amount Repaid): $30,000
  RRRF Original (Forgiven): $10,000 ($40,000 × 25%)
  RRRF Expansion: $20,000
  Amount Repaid By December 31, 2022: $10,000
  Available Forgiveness: $10,000 ($20,000 × 50%)

  Example 8:
  RRRF Original: $30,000
  RRRF Original (Amount Repaid): $22,500
  RRRF Original (Forgiven): $7,500 ($30,000 × 25%)
  RRRF Expansion: $20,000
  Amount Repaid By December 31, 2022: $12,500
  Available Forgiveness: $7,500 ($10,000 × 25% + $10,000 × 50%)

  Example 9:
  RRRF Original: $30,000
  RRRF Original (Amount Repaid): $22,500
  RRRF Original (Forgiven): $7,500 ($30,000 × 25%)
  RRRF Expansion: $20,000
  Amount Repaid By December 31, 2022: $10,000
  Available Forgiveness: $0

 

For additional RRRF information, contact your nearest WD regional office.