See my answer #2. The school is incorrect the the student has to be 18. My daughter started school as a 17 year old and while she didn’t take a student loan, she could have (offered). She had other state and federal aid that I didn’t sign for. The only documents I had to sign were NCAA related (agreeing to the drug testing policy and to the grant in aid), and I signed her National Letter of Intent when she was 16.