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<<<Yes. Yes. We are not discussing little children. We are discussing HS seniors or older, most commonly age 17 or 18 (a legal adult), with the occasional exception for those students more than 2 years ahead of chronological grade level.>>>

"JAFO, your concept of children that age is so ludicrous I won't even bother debating you."

Except for consumption of alcohol, in the USA 18 year olds are generally considered adults (age of majority), have aged out of jurisdiction of the juvenile justice system, are old enough to vote (including for President), to sign a contract, to marry, to enlist in the Armed Services, etc.

I suggest that my thinking is more in line with the current legal system than yours appears to be (at least by my inference) because you seemed to be suggesting that 18 year olds still require coddling like they are 2-6 years old.

Short-sighted, I want it now know and who cares about the details thinking is not solely the domain of 18-20 year olds. I woudl suggest that many that LAYM suffer from the same thinking, often until death.

Student loan papers are typically executed in the spring of a HS student's senior year or the summer after graduating from HS and ebfore matriculating at his/her college or university of choice. I do no have the data handy, but I am confident that by the time in question most are at least 18 years old, and that most of the balance are at least 17 years old (subject to the caveat previously noted).

You may certainly choose not discuss or debate with me, but sugggesting that my position is ludicrous is folly of the highest order and even more ludicrous than you suggest my position to be.

If you want to have a debate about the age of majority, feel free, but I see little point in that argument, too, because it would be a severe limitation on, and regression in, rights for 18-20 year olds and one I see little likelihood of changing.

Regards, JAFO
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