single digit handicappers are considered the top 25 percent of golfers. under a 5 is playing in your club championship and being in contention. being a scratch golfer, "0", is a competitive amateur, but most amateurs who play national tournaments have "plus" handicaps. this means you are under a zero. it is shown as +.9 or +3.5, but these are only great high school and college players. if tiger had an index, it would be about +8
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