If you have vested rights when you leave service, any QPP loan balance would remain outstanding and would continue to accumulate interest. You would have the option of repaying the outstanding loan balance in a lump sum within 30 days or electing to make monthly payments directly to TRS. An outstanding TDA loan balance would be considered a taxable distribution and would be reported to the IRS unless you maintain your loan by electing TDA Deferral status; you may do so by filing a TDA Deferral Status Election Form (for vested members) (code TD31).