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

The TOTE Loan Program application for the 2024-25 academic year is closed.

Applying for an interest-free student loan through Lancaster Dollars for Higher Learning is a simple. straight forward 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.
  • Student 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.