One question about the front-page story on Monday, 4/21/14. It tells of a Presque Isle loan program for people who have not paid their taxes. The article states that this so-called "loan" is for five years and forgiven at a rate of 20 percent per year. Sounds to me like it is not a loan at all. Loans have intended payback, don't they? Maybe I'm missing some facts here. It looks to me that while others must pay their taxes - recipients of this program get a free ride at the expense of taxpayers. Can I assume these recipients while on this five year program pay the new taxes along the way?