Bearcat, as far as I know (but I'm not sure so you really are best asking someone at PTC about this, they are always very helpful over the phone) you need to prove you have access to the funds by the day you enroll with the college. From personal experience I would recommend speaking to the banks ASAP to make sure you are eligible for a loan as there may not be a lot of time between finding out you have a place and starting the course (and believe me you don't want to find yourself in the position of having to turn it down after all of your hard work!
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