Tina Muller applied for a loan with CES Credit Union so that she could buy a car form her brother, Joseph Muller. They both signed the loan contract, with Joseph signing as a cosigner. It was two months before Joseph’s eighteenth birthday. The loan was approved, so Joseph transferred the car to Tina. When she defaulted on the loan, CES repossessed the cear and sold it for less than the loan amount. More than ten years after Joseph cosigned the note, CES sued him for the deficiency. He tried to disaffirm the contract. Could he?