re: USC fan calls out Bama recruiting tactics

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For those of you who do not know this - Anyone can apply for a bank loan using assets or "future" assets as collateral.

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This is wrong. Commercial lenders sometimes lend on accounts receivables, or if someone gets a new job the salary will be applied to the debt to income ratio. And yes anyone can legally apply for a loan if you're the legal age of obtaining credit (varies by state), however you're likely to be declined and the chances of an 18 year old having a credit score or history is extremely unlikely.