What does TOTE stand for?
TOTE Stands for Trade, Occupational and Technical Education.
How do I apply?
Applicants must apply online at least two months prior to starting an eligible program. Applications will be accepted and considered year-round on a rolling basis.
Who is eligible to receive a TOTE loan? (must meet all of the following criteria)
- A resident of Lancaster County
- A high school graduate (or equivalent)
- A student who is attending or is planning to attend an eligible program
How much is each TOTE loan?
Students are eligible to receive one loan up to $3,400.
How many TOTE loans can I receive?
Each student is eligible to receive one TOTE loan. Applicants are NOT guaranteed a loan and are awarded to those applicants with the greatest financial need. Need is determined based on the Expected Family Contribution (EFC) amount located on the Free Application for Federal Student Aid (FAFSA) Student Aid Report (SAR).
Who determines which students receive a TOTE loan?
LDHL staff members determine the eligibility of loan applicants and make recommendations to the Board of Directors.
When will I know if I received a TOTE loan?
TOTE loan applicants will be notified within four to six weeks of successfully completing the application. Recipients will be sent legal documents that must be completed and returned within two weeks.
What are the eligible programs?
Students must be enrolled or plan to enroll in either of the following programs at Lancaster County Career and Technology Center (LCCTC):
- 12-month or 18-month Practical Nursing
- 16-month Automotive Technology Associate Specialized Degree
I received a traditional loan from LDHL in the past, am I eligible to receive a TOTE loan now?
Yes, provided that any previous loans with LDHL have been paid in full.
When does repayment start and how much is it?
Repayment begins six months after graduation or the student ceases enrollment in an eligible program. All recipients of TOTE loans will pay $110 per month until their balance is paid in full. Payments are made via automatic withdrawal from the borrower’s bank account.
When do I notify LDHL of changes?
- Withdrawal from school
- Drop into part-time enrollment
- Change of name, address, phone number or email address
- Want to change banking information for repayments
Where does LDHL get its funds?
We receive funds from loan repayments from previous recipients, contributions from the community, and interest from investments. We are a non-profit organization that has been providing loans since 1961 and we do not receive any government funding.
NOTE: Loans from LDHL are not grants or scholarships. Loan documents issued by LDHL constitute valid and legally binding obligations on the part of the borrower and the co-signer and carry the full force of law.