According to the regulations, your relatives are not allowed to open a securities account with your ID card. If you authorize a relative to open an account for you, you must sign an account opening authorization. Either you and your agent go to the fixed business place of the account opening agency for on-site notarization and account opening procedures, or you and your agent go to the notary office to notarize your account opening authorization.

As for whether it will affect the application for student loans, it depends on how the institutions that approve and issue student loans stipulate. If there is a regulation to review the ownership of your assets or wealth, then the securities assets in your securities account are one of your assets.