Java Programming

Ok, i think i understand better about abstract classes now. Just to make sure, Abstract classes and methods are implimented by their subclasses. This is the part i need clarifying. The subclasses can be instantiated by concrete classes which do not extend from them? e.g.
So i have an abstract class called Person which has a constructor which creates a Person Object.
I have a subclass of Person called Borrower which also has a constructor that is passed values. This class is not abstract.
I then have a concrete class call StudentBorrower which does not extend any of the above two classes. In order for me to create a Person object in this class, i have to instantiate the Borrower class dont i and not the abstract Person class? e.g.
Borrower.Person(...) (this syntax doesnt work though, not sure the exact way to do this)