Yes, people over 18 years old, but the default of the lending institution is that one of your parents is your guarantor. You have to fill out the application form in official website, and then print it out. If this is your first application, you need one parent (as your guarantor) to prepare your ID card and one parent's ID card. Go to the local department and give them the application form. They will give you a contract and proof of successful loan. Just give it to the school when you pay the tuition.