I am pretty sure that Federal law supercedes state law, and federal law states that:
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Ineligible Persons
The following classes of people are ineligible to possess, receive, ship, or transport firearms or ammunition:
- Persons less than 18 years of age for the purchase of a shotgun or rifle.
- Persons less than 21 years of age for the purchase of a firearm that is other than a shotgun or rifle.
Acquiring Firearms:
From Individuals:
An individual may not sell a firearm to a resident of another state, or an ineligible person. Firearms received by bequest or intestate succession are exempt from those sections of the law which forbid the transfer, sale, delivery or transportation of firearms into a state other than the transferor's state of residence.
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I read that to mean that by definition, if you're under 21, you're an "inelligible person" with regards to handguns.
I know here in AZ (probably THE most liberal/relaxed state when it comes to gun laws), if you're under 18, the only times you can carry a handgun are when:
- you are on your own private property
- you are at a shooting range with a supervising adult and/or letter of permission