correct me if Im wrong, but if for whatever reason that you dont get your commission while in BDCP, dont you have to complete 4 years in service enlisted???
With MCFAP you dont. You can opt to pay it back like a loan, and thats only if you DOR or refuse commission. If you get NPQed the repay is waived.
It's up to the navy. I've heard cases where they just turn you loose and others where they stick it to you.