November 23rd: Credit Card Loan

No.

Is the answer the same if Charity was a student-athlete at James River Institute or Country Roads College?

Yes.

Division I NCAA Bylaw 16.11.2.2 states that an institutional employee or representative of the institution’s athletics interests may not provide a student-athlete with extra benefits or services, including, but not limited to: [R]

(a) A loan of money;
(b) A guarantee of bond;
(c) An automobile or the use of an automobile;
(d) Transportation (e.g., a ride home with a coach), except as permitted in Bylaw 16.9.1, even if the student-athlete reimburses the institution or the staff member for the appropriate amount of the gas or expense; or (e)  Signing or co-signing a note with an outside agency to arrange a loan.

Division II NCAA Bylaw 16.11.2.3 states that an institutional employee or representative of the institution’s athletics interests may not provide a student-athlete with extra benefits or services, including, but not limited to: [R] (Revised: 6/22/11)

(a) A loan of money;
(b) A guarantee of bond;
(c) An automobile or the use of an automobile;
(d) Transportation that is not generally available to the institution’s students and their friends and relatives (see Bylaw 16.11.1.1); or (Revised: 1/12/04 effective 8/1/04)
(e) Signing or cosigning a note with an outside agency to arrange a loan.

Division III NCAA Bylaw 16.11.1.2 states that a student-athlete may receive a loan from an established family friend without such arrangement constituting an extra benefit, provided: [R](Adopted: 1/11/94)

(a) The loan is not offered to the student-athlete based in any degree on his or her athletics ability or reputation;
(b) The individual providing the loan is not considered a representative of the institution’s athletics interests; and
(c) The relationship between the individual providing the loan and the student-athlete existed before the initiation of the student-athlete’s recruitment by the member institution.