[Cainehill]

Eh, I once had a wonderful friend named Tho (The Homeless One) who went to college at 15. Never mind that life was a major struggle for her at that point (good looking / mature enough to be attractive to most guys/some girls, too young to drink or date them, too young to be taken seriously once people learned her age). Thing was, she was a college student at 15. Got about 10 pre-approved credit card offers, didn't require parental approval, income verification, anything. She was a bit more mature than most, didn't ruin her life with them - but imagine the ones like her that did.