Several banks and credit unions offer first loan programs for persons under the age of 18. Obtaining a loan under the age of 18 is more challenging due to the lack of credit history, but it is not impossible.
If the borrower is under the age of 18, any loan obtained is likely to require a co-signer or guarantor. The person who co-signs the loan is responsible for repayment if the borrower cannot, and co-signer's creditworthiness is the most important factor in obtaining the loan.
If the loan is for school-related purposes, start by consulting the financial aid office of the school you are attending or looking to attend. Financial aid programs for education are available to students, regardless of age, and their parents or guardians.