Ho boy. I have a new player for my combo team. She tells me she played college tennis at a Div. 3 school back in the day. I do not know her age, but I would be surprised if she is under 40. I checked the USTA self-rate guidelines, and it seems to suggest she has to rate at 4.5. Is that true? I have not seen her play, but those who have say she should be high 3.5. Because it is 7.5 combo, I could live with her being a 4.0, but is that even an option? Suggestions?