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If your under 21 you can still own a pistol, just have a family member buy the lower and build whatever youd like. Oh my god theres a loophole!!!!
Thats not really a loophole. Its called a straw purchase. If the family member buys a lower and gives it as a bonafied gift as in no money changes hands then its kosher . If you the recipient give the family member money to buy him a lower then its a straw purchase.
It all depends on how honest the giver and recipient are. Some people are honest and some people are too honest for their own good.