Can I back out of a car loan if I haven't signed anything?

My brother borrowed my 2011 Kia Forte the other day and when he brought it back he told me he could hear a ticking noise coming from the engine. Why would my engine make a ticking noise?

I’m going to turn 16 in a few months. I want to enroll at a driving school so I can get my license as soon as possible. How long should I expect it to take to get through driving school?

I’m from a rural area and recently moved to a medium-sized city. I love my new lifestyle, but city driving gives me massive anxiety, and I feel like driving is just *impossible*. Why is city driving more difficult than driving in less urban areas?