Do you still have to pay for a school instrument that you lost but did not sign a loan contract?

If you lost a school instrument and did not sign a loan contract, you may still be responsible for its replacement or repair costs, depending on the school's policy. Many schools have guidelines regarding lost or damaged equipment, which can include financial responsibility regardless of a signed agreement. It's best to check with the school administration for their specific rules and any potential options for resolving the situation.