"Portal account owner must have a role" when switching Program Application status from Draft to Submitted
Your student is self-registered (contact and community user have been created for the student).
When you create a Program Application for this student and switch the status from Draft to Submitted, you may hit into an error stating "Portal account owner must have a role".
This is because RIO Education OOTB feature is creating the student's community user, but the existing user (who is creating the Program Application) doesn't have a role in his/her user.
To fix this, you can deactivate this TDTM "PRAP_StudentCommunity_TDTM" under Program Application. This should stop community user creation when users try to update the Program Application.
If you need this feature, instead of deactivating the TDTM, just assign a role to your existing user and it should fix the problem as well.