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If you are still living at home while in college your parents income will be counted, so you have to be totally independent and NOT claimed on your parents taxes as a dependent. So, it isn't dependent on age, but income.

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Q: How old do you have to be to get a loan for college on your own in Missouri?
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According to my own investigation, billions of persons in the world receive the loan from different banks. Thence, there is good chances to receive a small business loan in any country.