I had training in that area. I experienced just that type of deal and advised the dealer not to do the deal. We had to undo it the next day. We were lucky not to have a loss.
But I beg you not to believe me. Just come here and sell your car to a minor or have one enter into a contract.
Don't beg Ray. You are a man!
Remember that....don't let anyone beat you down to the point of begging.
I guess this is your version of proper citation of credible evidence.
If that is all you got then I'm not going to address this issue further....