TOTE (Trade, Occupational, and Technical Education) Interest-free Loan Program

The TOTE Loan Program application for the 2025-26 academic year is 02/01/25-04/30/25.

Applying for an interest-free student loan through Lancaster Dollars for Higher Learning is a simple straightforward process.

The Application Process:
Students may apply for an interest-free student loan for the upcoming term beginning on February 1 and ending on the last Friday in April every year. Here are the requirements to complete our online application:

• Interest-free student loans are available to legal residents of Lancaster County, PA.
• Students must plan to be enrolled in one of the selected programs at the selected institutions. (See FAQs for details)

If an interest-free student loan is awarded, a loan agreement must be executed along with a co-borrower and then the payment will be sent to the school to be applied directly against the student’s account.