What type of loan does Cameron have if he pays $146.67 monthly for five years on a $22,000 loan and has a $22,000 balloon payment at the end?

Cameron's loan can be identified as a straight loan because he is making monthly payments that only cover interest, without paying down the principal balance. In this case, he pays a fixed monthly amount of $146.67 for five years and retains the full loan amount of $22,000 until the end of the term, when he is required to make a balloon payment for the entire outstanding principal.

In a straight loan, the borrower makes periodic interest payments during the term of the loan, with the principal amount repaid in a lump sum, or "balloon" payment, at the end of the loan term. This type of structure is characteristic of a straight loan and clarifies why the answers related to other types of mortgage payments, like fully amortized or adjustable-rate mortgages, would not apply. They typically involve periodic payments that include both principal and interest, which is not the case here.