If you're in a cash account, the rule doesn't apply. Even the $25,000 rule.
And really, you don't want to day trade using someone else's money which is exactly what margin is. That's a bad road to go down, and that's why there are rules setting up road blocks.
If you're young, invest your money in some high quality stocks and once you have enough shares to make it worthwhile start selling covered calls and ease your way in.
I really don't recommend you do what you seem intent on doing.
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