From all the research I have done, HE funding for under 18s is a grey area. It looks like you have to be an immigrant to get a loan. 16 year olds are too young to make an enforceable contract so they just get scholarships/bursaries but all 16-19 bursaries and Scholarships are for age FE level 3. Not Level 4+ except discretionary bursaries after you become a student.