Catalog
- Introduction Toggle Introduction Menu
- Getting Started Toggle Getting Started Menu
-
While You Are Here
Toggle While You Are Here Menu
- Financial Aid Toggle Financial Aid Menu
- College and Academic Regulations Toggle College and Academic Regulations Menu
- Enrollment Verification
- Credit for Prior Learning and Alternative Study Options Toggle Credit for Prior Learning and Alternative Study Options Menu
- College Safety and Security Toggle College Safety and Security Menu
-
Student Rights and Responsibilities
Toggle Student Rights and Responsibilities Menu
- Academic Rights and Responsibilities
- Access to Student Records (FERPA)
- Alcohol, Drug, and Smoking Policy
- Computer and Internet Use Policy
- Copyright and Piracy Policy
- Disciplinary Procedures and Due Process
- Photo and Video Policy
- Plagiarism and Cheating Policy
- Right-to-Know Program Completion
- Service Animals on Campus
- Social Media Policy
- Standards of Conduct
- Student Grievance and Class-Related Concerns
- Equal Opportunity, Equity, Discrimination, and Harassment Toggle Equal Opportunity, Equity, Discrimination, and Harassment Menu
- Graduation and Transfer Toggle Graduation and Transfer Menu
-
Programs of Study
Toggle Programs of Study Menu
- List of Degrees and Certificates
- Description of Courses Toggle Description of Courses Menu
- Course Prefixes
- Cross-Listed Courses
- HomeBases
-
List of Programs
Toggle List of Programs Menu
- Accounting
- Administration of Justice
- Anthropology
- Apprenticeship
- Art
- Art History
- Art New Media
- ASL-English Interpreting
- Astronomy
- Automotive Collision Technology
- Automotive Technology
- Biology and Biotechnology
- Business
- Business Technology
- Chemistry
- Communication
- Community Services Education
- Computer Information Science
- Dance
- Deaf Culture and ASL Studies
- Design and Engineering Technology
- Diesel/Clean Diesel Technology
- Early Childhood Education
- Economics
- Education/Teaching
- Electrician Trainee Program
- Electronics Technology
- Emergency Medical Technology
- Energy
- Engineering
- English
- English Course Sequence
- English as a Second Language
- ESL Course Sequence
- Ethnic Studies
- Fashion
- Fire Technology
- Funeral Service Education
- General Education - Transfer
- General Science
- Geography and GIS
- Geology
- Gerontology
- Global Studies
- Health Education
- Healthcare Interpreting
- History
- Homeland Security
- Honors
- Horticulture
- Hospitality Management
- Human Career Development
- Human Services
- Humanities and Religious Studies
- Interdisciplinary Studies
- Interior Design
- Journalism
- Kinesiology and Athletics
- Learning Resource Center
- Legal Studies
- Library
- Management
- Marketing
- Mathematics and Statistics
- Math and Stats Course Sequence
- Music
- Natural Resources
- Nursing and Allied Health
- Nutrition and Foods
- Paramedic
- Philosophy
- Physics
- Political Science
- Psychology
- Real Estate
- Recreation
- Regional Public Safety Training Center
- Respiratory Care
- Social Justice Studies
- Social Science
- Sociology
- Speech-Language Pathology
- Student Government
- Technical Communication
- Theatre Arts
- Theatre Arts Film
- Theatre Arts Performance
- Welding Technology
- Work Experience
- World Languages
- Administrators, Faculty, and Staff Toggle Administrators, Faculty, and Staff Menu
- Index
- Catalog Archives
Private Loans
What is a Private Loan?
A private loan is money you borrow from a private lender that you have to pay back with interest. We encourage students to apply for grants and scholarships before taking out a student loan. If you have to take out a loan, then we encourage you to learn more about federal direct loans before considering a private loan. A loan is a serious and long-term obligation.
Private loans are determined based on credit. They accrue interest and typically have higher interest rates than federal direct loans. Private loans also do not generally offer the same repayment protections that federal direct loans do.
Students may establish a private loan through any banking institution of their choice. Disbursements are typically made via check.
Code of Conduct for Private Loans
American River College is prohibited from engaging in any business arrangement that is a conflict of interest between the college and private lenders in accordance with the Truth in Lending Act (15 U.S.C 1638(e)). American River College does not:
- Receive any revenue sharing with any lender
- Receive gifts from lenders, guarantors, or loan services
- Have contracting arrangements providing financial benefit from any lender or affiliate of a lender
- Direct prospective student borrowers to a particular lender
- Maintain a preferred lender list
- Delay or refuse loan certifications based upon choice of private lender
- Offer funds for private loans
- Receive any compensation for members of the college that may belong to the advisory board of any lender