What this is
Two loose ends, both genuinely useful. First: ma, ta, and sa occasionally refuse to do their job and borrow the masculine spelling instead — mon amie, not ma amie — purely because of the sound that follows them. Second: now that you know son/sa/ses can’t tell you who owns something, here’s what French actually does when that ambiguity needs resolving.
The rule
Directly before a feminine noun that starts with a vowel or a mute h, ma, ta, and sa become mon, ton, and son — the exact spellings you’d otherwise expect only before masculine nouns:
mon amie (not ma amie) amie is feminine
ton idée (not ta idée) idée is feminine
son école (not sa école) école is feminine
The noun’s gender hasn’t changed. amie is still feminine. What changed is only the possessive’s spelling, and only because ma/ta/sa ending in a vowel sound would otherwise collide head-on with the vowel starting the next word. You can see the proof of this directly: the exact same word, mon, sits in front of both a masculine noun (mon ami) and a feminine one (mon amie) — same spelling, unrelated reason each time.
For clearing up who owns what: when son, sa, or ses is genuinely ambiguous and it matters, French doesn’t strain the possessive harder — it names the owner directly with le/la/les + noun + de + name:
C'est son livre. (ambiguous — his or her book?)
C'est le livre de Marie. (unambiguous — Marie's book)
Why it works this way
This is the identical mechanism you already met with beau/bel/belle, vieux/vieil/vieille, and nouveau/nouvel/nouvelle in adjective-position — French tolerates gender or number exceptions when the alternative is an awkward vowel collision, and it doesn’t care which word class is involved. An adjective (bel) and a possessive (mon) both bend the same way, for the same acoustic reason, entirely independently of each other.
The de + name fix works because de + noun is French’s general-purpose way of expressing “belonging to,” the same relationship a possessive expresses, just spelled out with the owner named explicitly instead of compressed into a single word.
Edge cases
It’s a spelling fix, not a gender change
amie is feminine before, during, and after you say mon amie. Nothing about the noun moved. If you ever find yourself trying to make the following adjective agree as if the noun had turned masculine, stop — the noun’s gender is exactly what it always was.
de + name isn’t a fallback for failure — it’s the normal tool
Reaching for le livre de Marie instead of son livre isn’t a workaround for a broken possessive; it’s simply the right tool whenever the identity of the owner is the point of the sentence. son/sa/ses remain perfectly correct when the owner is already clear from context — the de construction is for when it isn’t.
What English speakers get wrong here
Because English “my” never changes shape for any reason, the vowel-triggered mon/ton/son switch feels like an arbitrary exception to memorize word by word — it helps to recognize it as the same single rule you already learned for bel/vieil/nouvel, not a new one. Separately, learners often try to force son/sa/ses to specify the owner by adding emphasis or repetition, when the actual French solution is to abandon the possessive for that sentence entirely and just say whose it is with de.