I have no clue, as I had to pay back again this year (this is my second year operating). Others may be able to help you out better.

BUT....please remember that you may not always be full as you would like to be. My first year of having the daycare, I only had 2 f/t children! In my second year, I started out full, but then one dropped out very quickly (thank god), and now have 2 f/t, 2 p/t and a before school child. Fortunately for me, we can afford to not have a full daycare.