Welcome to the forum
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Yes it's true that US citizens do not need to provide evidence of their finances... Though you should make sure you can show it (loan letter and bank statements) just in case they ask to see it.
However, I don't recall anyone here on the forum actually being asked to prove their finances for a Tier 4 visa since July 2011.
You should mention on your application form that you have the rest of the required money in your bank account though.
When does your course start? Is it a mid-year start date (i.e. January)?Just wondering because November is an unusual time of year to be applying for a student visa.
Most UK university courses don't start until September/October and you can't apply for the visa until 3 months before the start date, so most people won't be able to apply for their Tier 4 visa until June or July (the CAS isn't usually issued until around April-June time).
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