Take a home schooled kid who is 17 and toss him into a school with 20,000 kids it could get overwhelming. Now do that with a 13 year old.
Being smart and being mature are two different things.
If the kid is “ready” for college at 13, that’s 5-6 years that s/he could be taught some entrepreneurial skills and start a home business of some kind.
My 15 had a choice to attend college this year, and she chose to wait, she is bright but not mature enough even she recognizes this, so we will challenge her in other areas while is matures.