There are several posts on here about carrying between 18-21. Look through some of the older pages and see if you can find them. The hardest part seems to be getting a PPP from the sheriff. You still need one even to buy privately, which is your only option till 21. You might get some hassle being under 21, but I can't think of anything to get you into more trouble. Some LEO's just don't understand that you can possess and carry a handgun under 21.