An 18 y/o girl, at a 26 y/o guy's place, at 3 a.m., learning about guns? I suppose it COULD happen, but something doesn't sound right to me.
Isn't that a common excuse to say one didn't know the gun was loaded?
I wonder if they were fighting, or if he was just careless? I guess I shouldn't speculate with so little information available. It just doesn't sound right to me.