redshirting is the practice of postponing entrance into kindergarten of age-eligible children in order to allow extra time for socioemotional , intellectual , or physical growth .

this occurs most frequently where children 's birthdays are so close to the cut-off dates that they are very likely to be among the youngest in their kindergarten class .

redshirting ( academic )

research on academic redshirting suggests that in the short term , redshirting has largely positive effects . these include :
as the los angeles times reported in 2006 , results for academic redshirting have been a mixed bag .
according to lilian katz from her article , “academic redshirting and young children , ” redshirting has been traditionally common in affluent neighborhood and for children attending private schools .
the concept behind academic redshirting is that withholding a child from school one year will allow them to mature and have physical , social , and academic advantages over the younger children in the classroom .
academic redshirting refers to postponing entrance into kindergarten for age - eligible children . much like redshirting in sports , the idea is that holding children back allows extra time for socioemotional , intellectual or physical growth .
at this point , academic redshirting will not hurt or help a child . even the college version doesn’t mean the athlete will become success or failure in the next season or beyond . still , both forms of redshirting have helped some achieve while hindering others .
redshirting may be declining , as more colleges increase the number of freshmen playing .
thus redshirting — the practice of delaying the start of kindergarten — was born .
the negatives part of academic redshirting seems to show up when examining its long - term effect . according to katz , adolescents who had been redshirted were more likely to have behavioral problems than their classmates .
no evidence that redshirting is being used less or more frequently . about 9 % of
bassok , daphna and reardon , sean . “academic redshirting” in kindergarten : prevalence , patterns , and implications” american educational research association , 35 : 283 ( 2013 ) : 283 - 297 . web . 13 . april . 2014 .
. . . redshirting has been traditionally common in affluent neighborhood and for children attending private schools .
still , other studies suggest that there are no negative effects in the long - term . again , the data and studies made from them don’t paint a distinct picture of the positives and negatives of academic redshirting . as the los angeles times reported in 2006 , results for academic redshirting have been a “mixed bag . ” all studies - including a federal study that included 21 , 000 youngsters in may of 2006 - failed to definitively to show if it worked or not .
research on redshirting has so far failed to provide a clear picture of its short - and long - term effects . some studies have examined the effects of redshirting that occur immediately or within the early elementary years . others have examined its long - term effects . proponents and opponents of redshirting often use the same evidence but reach opposite conclusions . it is therefore unclear whether redshirting solves problems of school readiness .
redshirting arose , by name , as a public issue in the early 1980’s and since , studies have shown that redshirting has steadily increased in the past three decades . there is no single explanation for what caused the shift , but there have been many factors that influenced the increase in redshirting . redshirting has also come with consequences , causing a greater disparity of knowledge in kindergarten and changes in school curricula .
i can keep going with the studies showing negative effects of redshirting if anyone is interested . . . .
further , the authors cite research to claim that the opposite may be true and that younger students actually have steeper academic gains from learning with older students .
1 - it puts the child ' s academic achievement —math , reading , general knowledge — and conduct on par with or above that of younger classmates .
rates of redshirting vary , and in fact , according to the atlantic , the perception of how common redshirting is may be overblown . but parents may be more likely to hold kids back a grade if it appears that redshirting is the norm — and if they believe that their child could actually be at a disadvantage starting kindergarten on time .
long term : there is no direct evidence that redshirting causes either harm or benefit in the teen years . one study did find , however , that when adolescents were old for their grade due to redshirting , they misbehaved more .
when i was 4 years old , my parents faced a decision . my birthday is in late november , so should they send me to kindergarten as the youngest kid in my class ? or , wait another year to enroll me ? — a practice referred to as academic redshirting .
. in 2016 the ncaa starts enforcing new , stricter admissions requirements for incoming freshman athletes . under these new rules , a student - athlete who meets the school ' s own academic admission requirements , but does not meet the ncaa ' s new requirements ( primarily a 2 . 3 gpa in 4 years ) can enter school as an academic redshirt . this student can receive an athletic scholarship and practice with the team , but may not participate in competition . an academic redshirt does not lose a year of eligibility , but can take a later injury redshirt . academic redshirts must complete nine credit hours in their first semester and can participate fully in the second year .
kathryn debros reports on studies that suggest redshirting kindergartners may not give them the competitive edge that parents think it does .
despite evidence suggesting that redshirting may do more harm than good , the practice continues to gain traction in some communities .
in this new academic kindergarten , math stations have replaced sand tables , and fitting in time for recess is an ongoing struggle . focusing less on the development of social skills and more on the development of academic skills represents a seismic shift in the traditional purpose of the kindergarten year , and one that can prove harmful to many students .
a child held back from starting kindergarten for one year , the practice of which is believed by some parents to give the child academic , athletic , and social advantages .
the practice of academic redshirting—delaying entrance to kindergarten by a year—is weighing on my mind this month as we ' re deciding whether to register my youngest child , with a late - september birthday , for kindergarten next year . ( while kindergarten cutoff dates around the country vary as widely as july 31st to
parents are not the only ones who ' ve expressed their opinions on the matter . teachers have indicated some support for academic redshirting . according to a national survey published in 1998 ( ncedl ) , kindergarten teachers indicated that 48 % of their students were not ready for the rigors and curriculum of this grade .
thinking of waiting a year to enroll your child in kindergarten ? these researchers say , don ' t : npr ed academic redshirting , the practice of holding kids back a year before enrolling them in kindergarten , has been debated for years . a new article attempts to clear up some of the confusion for parents .
the new york times : kindergarten ‘redshirting’ gets tougher in n . y . c . , with repercussions -
the issue here isn’t about the haves and have - nots . it’s about flaws in the system . making kindergarten mandatory is a good thing . now let’s advocate for changing the admission cutoff date and lightening the academic load . with these two problems solved , the contentious issue of redshirting could finally , happily , be laid to rest .
some claim that parents redshirt their kids not because their kids aren’t ready for school , but because holding them out might give them an academic , social , and athletic edge over their peers .
they call it “redshirting , ” like college athletes kept on the bench until they’re bigger , stronger . except it ' s “academic redshirting” - for kindergarten kids . five - year - olds held out of starting school – kindergarten - until they’re six . maybe it’s because they’re a little slow in maturing . maybe their parents imagine they’ll be the big kingpin in the class , the star of the soccer team . research is decidedly mixed on whether it works . but it’s spreading . and it’s controversial . this hour , on point : redshirting kindergarteners , for a bigger , older start of school . - tom ashbrook
arguments for redshirting abound in academic journals , opinion pages , and parenting forums ; arguments attempting to debunk those those theories are almost just as widespread . on top of a slew of academic studies , it’s been the subject of multiple posts in the new york times “motherlode” blog , as well as the wall street journal , slate , and abc’s good morning america , among others . the huffington post even has an entire landing page devoted to the topic . it’s clear parents ( and educators and economists and policymakers ) want a verdict on the merits of the practice .
but research on redshirting suggests that the benefits are tempered by the costs , from an extra year of childcare for parents to a year less in the workforce for kids . even the size of the benefits is up for debate . for that reason , many education experts and economists are wary of redshirting .
the two recently published an article on the emotional and economic toll that redshirting can have on students , despite all its praise from writers like malcolm gladwell .
so , is there any research that suggests redshirting is helpful ? yes—but again , this research does not actually tell us much about redshirting . elizabeth dhuey , an economist at the university of toronto at scarborough , has published a number of studies suggesting that the older kids are in a class , the better they fare academically , the more leadership roles they have in high school , and the more likely they are to attend elite universities —pretty much exactly the opposite of what the redshirting studies show . but even though her work has been used to support redshirting , “my findings relate only to a child’s age relative to their classmates—not the act of redshirting , ” dhuey explains . “these are different things altogether . ” because dhuey’s work pools the impact of natural age differences across the school year—comparing how kids born in may fare to kids born in december—it’s dishonest to cite her work as evidence that redshirting itself is helpful , even though there were probably some redshirters in her samples .
also , many teachers indicated that half their students lacked important skills , including following directions , academic skills , and the ability to work independently ( katz , 2000 ) . however , it’s not the teacher who ultimately makes the decision .
safer , morley . “redshirting : holding kids back from kindergarten . ” cbs . n . p . , n . d . web . 6 apr . 2014 .
in the article , you write that redshirting can even have a financial effect on students — an $ 80 , 000 decrease in earnings . can you elaborate on that ?
what redshirting means for individual kids is tough to determine . some studies find that redshirted kids are academically on par with their classmates . others detect a slight academic boost . a 2005 study by the rand corporation , for example , found that kids who delayed entry by a year scored 6 points higher than their classmates on standardized math tests and 5 points higher on reading tests , an effect that persisted to first grade .
what’s more , a growing body of research suggests that redshirted kids might not enjoy benefits over the long run , anyway . a 2007 paper for the national bureau of economic research argues that “contrary to much academic and popular discussion of school entry age—being old relative to one’s peers is not beneficial . ” ( also , unpublished research from 2012 found that the advantages of redshirting “fade out and appear to reverse by eighth grade . ” )
one of my best friends has a son who turned 5 two days after scott . she and her husband are high school and middle school science teachers , and both of them believe that holding their son back will do nothing but benefit his academic future .
schmidt , michelle . “kindergarten ‘redshirting’ : a leg up or an unfair advantage ? ” sparkpeople . n . p . , n . d . web . 06 apr . 2014 .
also , it appears more frequently among boys and for those born in the latter half of the year ( between september and december ) than with those girls or those born earlier in a year . also , the statistics from nces reveals that more white families than any other ethnicity will use academic redshirting . parental concerns play a crucial role . in most cases , it’s a judgment call . still , other factors may play a role in this decision .
immediate effects . research on academic redshirting suggests that in the short term , redshirting ( 1 ) raises the child ' s academic achievement ( math , reading , general knowledge ) and conduct on par with or above that of younger classmates ( west , denton , & germino - hausken , 2000 ) ; ( 2 ) increases the child ' s confidence in social interactions and popularity among classmates ( spitzer et al . , 1995 ) ; and ( 3 ) may simply add to the normal mix of ages and abilities within the classroom . however , there is also some speculation that , in classes where there are children who have been redshirted , some older children may feel alienated from their younger classmates , and some older classmates may have an unfair advantage over younger classmates in size and in psychomotor and social skills . the presence of children of a wider age span may also make the class too diverse for a teacher to manage well .
athletes may be asked to redshirt if they would have little or no opportunity to play as an academic freshman . this is a common occurrence in many sports where there is already an established starter , or too much depth at the position the freshman in question plans to play .
proponents of redshirting argue that there is no definitive evidence that redshirting harms children in the long term . however some researchers found that adolescents whose school entry was delayed exhibit more behavioral problems than their peers . redshirters also have higher use of special education programs . this leads some researchers to speculate that many children who are redshirted as kindergartners may have had special needs that were misdiagnosed as immaturity .
adding to my overall discomfort with the practice of redshirting is this : it ' s an option for those with the resources to do it . research from connecticut ' s department of education shows a redshirting rate of just 2 percent in poorer districts , and 27 percent in wealthier ones . one california study showed parents who redshirted their kids earned 40 percent more than those who don ' t .
aliprantis , dionissi . “redshirting , compulsory schooling laws , and educational attainment” american educational research association , 37 : 316 ( 2012 ) : 316 - 338 . web . 14 . april . 2014 .
indeed , many studies have found that redshirted kids lose their head start over time , some as early as third grade . the university of illinois ' lubotsky looked at kids in kindergarten through eighth grade and found that older kids maintained a slight academic gain throughout elementary and middle school .
the term redshirt freshman indicates an academic sophomore ( second - year student ) who is in his first season of athletic eligibility . a redshirt freshman is distinguished from a true freshman ( first - year student ) as one who has practiced with the team for the prior season . the term redshirt sophomore is also commonly used to indicate an academic junior ( third - year student ) who is in the second season of athletic eligibility . after the sophomore year , the term redshirt is rarely used , in favor of fourth - year junior and fifth - year senior .
redshirting borrows its name from a college sports euphemism for athletes sitting out a year and prolonging their eligibility , so that they will be older , larger and stronger when they finally do take the field .
some context : like private school , redshirting is most prevalent among white , asian , and relatively wealthy families . here’s 2010 data from the national center for education statistics on the percentages of kids delaying kindergarten :
yet some experts say that redshirting can be extremely appropriate and helpful for certain kids , and they aren’t convinced by the research pooh - poohing the practice . that’s because the impact of redshirting is very difficult to evaluate , as kids who are held back are fundamentally different in many ways from kids who go to kindergarten on time , so the conclusions of some studies might be flawed . and even if redshirting might not be beneficial when effects are averaged , there could be a subset of kids who really benefit from the extra “ gift of time . ” but before i get into that , let me summarize some of the studies .
the practice , called redshirting — from the term for allowing college athletes to delay participation in sports to prolong their eligibility — also has a connection to children’s sports . as sports - minded parents know , physical maturity allows older children to perform better . coaches often mistake this difference for natural aptitude and respond by giving the older children on their t - ball or soccer teams more opportunities to improve their skills . and those athletes tend to gain a lasting competitive advantage . does a similar approach work for academic achievement ?
they don’t do redshirting here ( that i’m aware of ) … although to be honest , whenever i see that term i think in terms of star trek . kinda the opposite effect than what you’re describing : )
over time , i think the effect of being in school becomes more dominant than your age effect ,
datar told livescience .
so one might expect that these [ redshirting ] effects might fade off .
sorry , don’t know why i’m rambling about that . but i’m a big advocate for the “redshirting” now . i will not hesitate to do it with my other children if i have to , especially after this experience .
no one disputes the immediate results of “redshirting , ” a phrase borrowed from the sports world . six - year - olds categorically test better than five - year - olds in kindergarten , and they enjoy greater social and physical maturity that helps them make friends and win at tag . but there’s a growing debate about the effectiveness of redshirting in the long term—not only for the kids held back , but for their peers , as well .
still , there are limited instances where redshirting provides benefits for students , according to schanzenbach and larson . in instances of illness or trauma , students may benefit developmentally from having time to recover before being placed in the classroom .
some families also have concern about changing the spacing in school years between siblings , especially when the older child is only one grade ahead of the younger child and a redshirting decision would place both children in the same grade .
apparently , the term redshirting is some sports metaphor when they would put a redshirt on a jv and let him play with the varsity team but the varsity players were not to hit the kid . the result is that the redshirted younger players had an unfair advantage . they redshirt quarterbacks at practices today . [ and additional definition from my dad : “red shirting” as it is understood in sports today is having a player practice but not play , retaining a year of eligibility . so the expression “red shirt freshman” would be an academic sophmore who was red shirted the previous year . ] redshirting in this context is holding your school - aged child back an extra year , and starting them in kindergarten at the age of 6 ( or first grade at the age of 7 ) .
ultimately , at the core of the argument over redshirting are questions about how children learn . do they develop social and cognitive skills according to automatic internal clocks that are unaffected by environmental influences—which would suggest that kids become ready to learn on their own time ? or do kids develop key learning skills based on their interactions with others and how stimulating their environments are—which would suggest that redshirting harms the children who could benefit from kindergarten the most ? no one knows for sure .
effects in grades 1 - 3 . researchers have observed other effects of redshirting within the first three years of elementary school , including ( 1 ) academic achievement that is nearly equal to that of their grade - level peers ( west , meek , & hurst , 2000 ) , ( 2 ) a lower likelihood of receiving
negative feedback from teachers about their academic performance or conduct in class
( cromwell , 1998 ; west , meek , & hurst , 2000 ) , and ( 3 ) less need for special education than classmates who were retained as kindergartners ( kundert et al . , 1995 ; may et al . , 1995 ) . however , there is also evidence that some first - through third - graders who were redshirted as children required greater use of special education services than their non - redshirted and non - retained classmates ( graue & diperna , in press ; may et al . , 1995 ) .
in united states college athletics , redshirt is a delay or suspension of an athlete ' s participation in order to lengthen their period of eligibility . typically , a student ' s athletic eligibility in a given sport is four seasons , a number derived from the four years of academic classes that are normally required to obtain a bachelor ' s degree at an american college or university . however , in a redshirt year , student athletes may attend classes at the college or university , practice with an athletic team , and dress for play but may not compete in games . using this mechanism , a student athlete has up to five academic years to use the four years of eligibility , thus becoming a fifth - year senior .
the schools usually don ' t allow children who have not completed 5 years of age at the time of admissions to first grade class . so , those born in the later half of the year naturally get detained for the next year . this makes the child elder than other students in his class when he joins the school at the commencement of the next academic year .
i’ve kept in touch with many of these women on facebook . now that all of our “september babies” are turning five ( despite scott being born in july , he is still one of the “september babies” ) i’ve noticed a major tendency to discuss redshirting the kids .
diperna , james and graue , elizabeth . “redshirting and early retention : who gets the ‘gift of time’ and what are its outcomes ? ” american educational research journal , 37 . 2 ( 2000 ) : 509 - 534 . web . 15 . april . 2014 .
in this era of hypercompetitive parenting , more families are choosing to delay their children’s entry into kindergarten , under the impression that the kids will have an academic and social advantage . in fact , a 2008 study by harvard researchers claims that since the late 1960s , the number of six - year - olds in first grade has dropped by 9 percent because they are increasingly likely to be enrolled in kindergarten .
another negative part of redshirting deals with students with special needs . the study seems to indicate that redshirted youths who later ended up in special education may have been misdiagnosed as being immature , and were redshirted for this reason . as a result , they missed a chance at early and direct intervention
one small but important spelling point : learn when to write “parents” versus “parents’ “ ( with the apostrophe , which shows plural possession , something that belongs to all of the parents ) . contrast these examples : parents may not have come up with the idea . parents’ ideas about redshirting have changed .
we use two nationally representative data sets to estimate the prevalence of kindergarten
redshirting
—the decision to delay a child’s school entry . we find that between 4 % and 5 . 5 % of children delay kindergarten , a lower number than typically reported in popular and academic accounts . male , white , and high - ses children are most likely to delay kindergarten , and schools serving larger proportions of white and high - income children have far higher rates of delayed entry . we find no evidence that children with lower cognitive or social abilities at age 4 are more likely to redshirt , suggesting parents’ decisions to delay entry may be driven by concerns about children’s relative position within a kindergarten cohort . implications for policy are discussed .
if questions arise about a child ' s social or academic readiness , parents should turn to a professional for advice , said donald easton - brooks , a professor of education at the university of north texas . in the absence of a diagnosable problem , most kids will do fine in school , he said , especially if they ' ve gone to preschool or had lots of opportunities to develop their social skills during play - dates .
until more - conclusive research emerges , well - meaning parents are likely to continue redshirting their children . and depending on the individual child , that could be the right choice . but as harvard researcher david deming says , it’s crucial that parents “make a decision with the whole life course in mind . ”
not surprisingly , some parents are turning to “redshirting” when it’s time for kindergarten : delaying their children’s entrance by a year , a practice once reserved for college athletes seeking a competitive advantage . some schools have even supported such an approach by moving their “cut - off” dates to september , or even to june .
the term
redshirting
originally referred to postponing the start of a college athlete ' s participation in games for one year to give him extra time to grow and practice with the team , hopefully improving a player ' s skills for future seasons . but college athletes aren ' t the only ones who can redshirt .
slate : can your kid hack it in kindergarten ? -
the practice has become even more controversial in recent years over claims that some parents do it for the wrong reasons : they redshirt their kids not because their kids aren’t ready for school , but because , in the age of parenting as competitive sport , holding them out might give them an academic , social , and athletic edge over their peers .
the wall street journal : should children be held back for kindergarten ? -
according to the national center for education statistics , some 6 % of kindergartners are redshirted nationally . but the numbers can vary by neighborhood . data from connecticut ' s department of education show the incidence of redshirting ranging from 2 % in poorer school districts to 27 % in wealthier ones .
on the surface , redshirting seems to make sense in the academic realm , too . the capabilities of a child’s brain increase at a rapid pace ; the difference between five - year - olds and six - year - olds is far greater than between twenty - five - year - olds and twenty - six - year - olds . an extra year can allow a child to excel relative to the younger students in the class . “especially for boys , there is thought to be a relative - age effect that persists across sports and over time , ” said friedman . “early investment of time and skill developments appears to have a more lasting impact . ” older students and athletes are often found in leadership positions—and who can doubt the popularity of the star quarterback relative to the gym - class weakling ?
the trend seems to be to have kids start later without much thought to the cost versus the benefits ,
said darren lubotsky , an economist at university of illinois at urbana - champaign who has studied redshirting .
there might be some benefits , but there ' s a really big cost to kids starting later .
there are also several factors that most researchers agree call into question the efficacy of redshirting . if children with late birthdays are very bright , they may be bored if held back simply because they are chronologically young . if older upon entrance , they may also have difficulty relating to younger classmates , and may be found intimidating by them .
so , while it may not clear up the redshirting debate , the new research might help spur the socially conscious parent to resist the temptation to redshirt—on the grounds that doing so is not only unnecessary but can put educational attainment further out of reach for the child’s less - fortunate peers . maybe the outliers is right in “drawing attention to [ the ] ways in which individual success is interdependent within an ‘ecology’ of others’ activities , ” suggest kniffin and hanks . but it’s far from clear whether relative age has much to bear on a child’s future success . and absent a consensus , it may be best to hold off on redshirting , if only in the interest of playing it safe .
this essay asks a provocative set of questions about the rise of “redshirting” practices in public education and their frequency , factors , and larger consequences . the introductory thesis tells us that the issue arose in the 1980s and its practice has increased over time , but a richer introduction would lay out the types of factors that contributed to this shift , to help frame the rest of the essay for readers . for example , a stronger thesis might have argued that redshirting has been caused by a combination of state & district fears about standardized testing and parental fears about child retention , and may have greater consequences for lower - income families , since these three large ideas appear in the body of the essay .
in fact , redshirting could mean that a preschool - educated 6 - year - old is learning alongside a low - income 4 - year - old who’s never stepped foot in a classroom—a kid whose vocabulary may be 30 - million words smaller than her wealthier peers . even if that 6 - year - old was indeed a little “underdeveloped” at age 5 , delaying his entry into school could contribute to the kind of incongruity that fuels detrimental discrepancies in achievement—gaps that expand and evolve over time . the society for research in child development reported in 2002 that , notwithstanding some evidence in favor of redshirting , doing so may be “disadvantageous for low - income children , who already begin school with relatively poor cognitive skills . ”
there’s also the fact that kids are sometimes redshirted because they have behavior or learning problems that parents mislabel as immaturity— i’m sure kalee’s tendency to throw chairs at adults will go away once she turns 6 , so we’ll just wait a year . this could explain why redshirted kids often need special education services and also why they’re more likely to drop out of school and not go to college . in other words , redshirting might not actually increase the risk of these problems—it may just be a sign of existing problems . yet redshirting these types of kids “can in fact make the problems worse , in that the child’s access to support is delayed as the family and school wait for maturity to kick in , ” graue says .
boys are definitely wired differently from girls from the get go although that doesn’t mean that girls don’t benefit from redshirting as well . my eldest daughter probably would have been better with another year at home for maturity reasons although she has always loved school ( social aspect ) and yet her younger brother’s birthday is 3 days earlier and he’s done great and really has blossomed .
chances are , this wasn ' t a big deal when you were small . for decades , a child who turned five within a calendar year was generally accepted into kindergarten in september . as long as you turned five by around december 1 , you started school along with everyone else . but that was also when kindergarten was not the academic place it is now . while a successful year in 1978 may have meant mastering blocks and paint , today it includes handling pencil , paper , books , and playground rules , too .
huang in particular offers compelling data against the practice of redshirting . according to his study , redshirted students are more likely to be placed in special education programs or have behavior or substance abuse issues . students who were relatively old for their grade because of redshirting were described as less engaged in school , and had lower rates of homework completion , lower scores on standardized tests , and a higher likelihood of dropping out of high school . compare this to students who were relatively young for their grade , who were described as valuing school more , with better attendance rates . in fact , according to a 2007 study from the national bureau of economic research , there’s evidence to suggest that kids may perform better when they are in classes with older students .
it should be pointed out that ‘reshirt’ has been extended to apply to providing an extra year of eligibility in non - sports , but still mostly in school situations ‘to get them eligibility for additional schooling : under the redshirt plan , special education students could extend their high school program by at least one year . ’— learning disabilities association newsbriefs ; ‘a student who successfully completes the program should be prepared to enter directly into the college engineering curriculum . further information on our redshirt program options can be obtained from the school of engineering office of academic programs .
the practice has become even more controversial in recent years over claims that some parents do it for the wrong reasons : they redshirt their kids not because their kids aren’t ready for school , but because , in the age of parenting as competitive sport , holding them out might give them an academic , social , and athletic edge over their peers . if little delia is the star of kindergarten , they scheme , maybe she’ll ride the wave all the way to harvard . gaming the system this way , of course , puts other kids at a disadvantage .
the economic and academic disparities widen when we consider that many students don’t have access to kindergarten — redshirted or not — at all . even though it’s optional in 35 states , kindergarten provides an important year for exposing kids to key concepts that will prepare them for first grade . in kindergarten , kids learn basic reading , writing , and math , as well as certain social skills and habits , like sitting still and following directions , that help children become successful students . because of its importance , kids are at a definite disadvantage if they don’t attend .
because families who wait before sending their kids to kindergarten tend to be relatively affluent , they can often afford an extra year of preschool . in practice , then , a child who is 6 years old could end up in the classroom with a child who is 4 years old . unsurprisingly , the older student would likely score higher on standardized tests , a pattern that would make redshirting appear to work .
in the midst of what feels like a wealth of data , it’s still difficult to parse out some of the key effects of redshirting . there is a difference between a child who is relatively old for a particular grade and a child whose parents have expressly delayed the start of kindergarten . redshirting can send a message to a child that , right from the start , achievement is the top priority , and the parents don’t think she is good enough to be in a grade with her peers . if children are kept from school because they don’t meet a parent’s expectation for what a kindergartner should look like , they may miss the opportunity to develop the skills they need at the appropriate time . and if a student does have a developmental delay , then access to individualized educational support services should be provided sooner rather than later .
the emphasis on high - stakes testing of education - reform initiatives such as no child left behind exacerbated what researchers in 1988 identified as escalating academic demand in kindergarten classrooms . in part because of those public - policy changes , though also because of fiscal incentives and mindset changes , more and more states started moving up their cutoff dates . in 1975 , just nine states required students to be 5 by the start of the school year ; by 2005 , the number had grown to 33 . data from 2008 shows that 17 percent of children entering kindergarten that year were 6 years or older .
of course , the goal of this article was to try and present more information so that parents feel equipped to make the decision that they think is best for their kid . certainly , we don ' t think never redshirting is the right idea , but we did think it was going to be useful to provide additional info , especially to the type of parent who wants to understand [ what the data shows . ]
parents who want to give their young children an academic advantage have a powerful tool : school itself . in a large - scale study at 26 canadian elementary schools , first graders who were young for their year made considerably more progress in reading and math than kindergartners who were old for their year ( but just two months younger ) . in another large study , the youngest fifth - graders scored a little lower than their classmates , but five points higher in verbal i . q . , on average , than fourth - graders of the same age . in other words , school makes children smarter .
my brother - in - law is a high school math teacher . he’s been a high school math teacher for longer than i’ve been a parent . his son was born two weeks after scott , and they’re redshirting him . he told us that he sees the difference in boys’ math scores between the older and younger boys , and the difference is major enough often enough for him to be a proponent of boys being older when they enter school .
one small point about evidence : you claim that redshirting “has become a recent phenomenon , with scarce mention before the early 1970’s , ” but never explain how you know this to be true . recall that in class , we conducted searches for the phrase in education index retrospective , a database of education journal articles from the 1920s - 1983 , and found only one instance . a richer essay would have explained this as evidence of the rise of the term .
in his analysis , gladwell overstates the benefits of redshirting to some degree ,
the article reads .
in fact , a balanced look at the research suggests that while children derive a short - term gain from being redshirted , that advantage dissipates quickly over time .
it notes that while a year marks a huge proportion of a 5 - year - old ' s life , it is a less significant amount of time for an 18 - year - old .
researchers discovered that relatively more mature students didn’t have an academic edge ; instead , when they looked at their progress at the end of kindergarten , and , later , when they reached middle school , they were worse off in multiple respects . not only did they score significantly lower on achievement tests—both in kindergarten and middle school—they were also more likely to have been kept back a year by the time they reached middle school , and were less likely to take college - entrance exams . the less mature students , on the other hand , experienced positive effects from being in a relatively more mature environment : in striving to catch up with their peers , they ended up surpassing them .
curious john , they had to pick some color or shirt design to distinguish them from the herd and maybe red was as good as any . also , i wouldn’t necessarily say that redshirting applies mostly to football . ‘the redshirt year was created largely to give football and basketball players an extra year to mature — usually taken advantage of by freshmen . ’ [ august 2002 , on a proposal to throw out the ncaa redshirt rule and allow athletes to play for 5 full years ]
redshirting ( as term is often known ) derives its name from a common practice in college athletic programs , in which , a college athlete postpones - - or is chosen to postpone - - his / her participation in regular season games for one year in order to further practice and prepare with the team . this is done in hopes preserving a year of eligibility to play collegiate sports , as well as to improve his / her skills for future seasons ( katz , 2000 ) .
perhaps the most concerning aspect of redshirting , at least in my experience , is that , in retrospect , it is often done disproportionately to children with undiagnosed special needs who at the time were judged to be developmentally behind , but in fact were in need of special education services , not another year to mature . children with learning disabilities who are redshirted or retained in kindergarten lose any accrued benefit very quickly and are then simply older children with special needs that still must be addressed .
athletes may also use a
grayshirt
year in which they attend school , but cannot enroll as a full - time student , and do not receive a scholarship for that year . this means that they are an unofficial member of the team and do not participate in practices , games , or receive financial assistance from their athletic department . typically , grayshirts are players who are injured right before college and require an entire year to recuperate . rather than waste the redshirt , the player can attend school as a part - time regular student and join the team later . this is also used by players with religious or military obligations that keep them out of school for a full academic year .
as with research on the early benefits of redshirting , research on long - term benefits is mixed . one 2006 study published in the quarterly journal of economics looked at age at kindergarten entrance in an international sample of children and found the youngest kids in each grade lagged behind in test scores through eighth grade , though the gap shrank over time . the researchers also found that the oldest kids in each grade were about 10 percent more likely to go to a four - year college than younger peers .
there are several factors at play here , including the traditional wisdom , backed up by research , that shows little boys to be particularly fidgety in kindergarten . that said , the most striking disparity is also the most worrying . for families earning the least in this country , redshirting is cost - prohibitive ( pdf ) . as higher - income families delay their kids’ kindergarten entry , children from lower - income families end up “competing” against older and more - prepared classmates—at a crucial time for learning and development .
the first athlete known to extend his eligibility in the modern era of redshirting was warren alfson of the university of nebraska in 1937 . alfson requested that he be allowed to sit out his sophomore season due to the number of experienced players ahead of him . in addition , he had not started college until several years after graduating from high school , and thus felt he needed more preparation . the year off worked ; alfson was all - big six conference in 1939 and an all - american guard in 1940 .
but schools enjoy the higher - averaged standardized test scores achieved by older students . this is troubling , because the more affluent middle - and upper - middle - class school districts have parents who can financially afford the extra year of childcare that comes with the territory of redshirting , while districts comprised of poorer families have parents who can ' t afford to make the same advantageous decisions for their children . this obviously increases the achievement gap between wealthier and poorer school districts , a divide that also often falls along racial lines .
when the harvard sociologist hilary levey friedman was expecting her first child , one thing worried her : her due date , january 3rd . it was uncomfortably close to january 1st , an often - used age cutoff for enrollment in academics and sports . “i was determined to keep him in until after january 1st , ” she said . and if the baby came early ? “i actively thought about redshirting , ” she said . given the choice , she wanted him to be the oldest kid in his class , not the youngest .
teachers may encourage redshirting because more mature children are easier to handle in the classroom and initially produce better test scores than their younger classmates . in a class of 25 , the average difference is equivalent to going from 13th place to 11th . this advantage fades by the end of elementary school , though , and disadvantages start to accumulate . in high school , redshirted children are less motivated and perform less well . by adulthood , they are no better off in wages or educational attainment — in fact , their lifetime earnings are reduced by one year .
it ' s easy to see what the states are up to : they ' re worried about test scores , and they figure that older kids plus academic kindergarten will produce better ones . but this approach turns out to be extremely shortsighted , according to new research by david deming of harvard ' s kennedy school of government and susan dynarski of the university of michigan . the authors find that starting kindergarten late correlates with dropping out of high school and earning less afterward .
there is substantial evidence that entering school later reduces educational attainment ( by increasing high school drop out rates ) and depresses lifetime earnings ( by delaying entry into the job market ) ,
the authors write . also ,
recent stagnation in the high school and college completion rates of young people is partly explained by their later start in primary school .
let me answer you with an anecdote . when stephanie and i were writing — this was back in december and january — at the time , my daughter is finishing up preschool and going to start kindergarten the next year . we were not thinking about redshirting her , but the thought crossed my mind because she was not talking . it was very upsetting that she wasn ' t talking , and we had taken her to speech therapy and that didn ' t really go anywhere . she just wouldn ' t talk . and between january and today , some switch has flipped in her .
benefits or not , kindergartners are an increasingly older bunch these days . according to a 2008 paper published in the journal of economic perspectives , 96 percent of 6 - year - olds were enrolled in first grade 40 years ago . now , 84 percent of 6 - year - olds are in first grade . the missing 12 percent haven ' t dropped out — they ' re enrolled in kindergarten instead . about a quarter of the shift is due to state and school district policies that push age cut - off dates earlier in the year , the researchers reported . the rest is due to voluntary redshirting .
so what should you do ? this is a good time for an honest , loving look at your child . if you have reason to think that kindergarten will be overwhelming , and especially if his or her birthday is after the start of the school year , you may have good reason to wait . but if you’re just looking for competitive advantage , redshirting probably isn’t the right path ; early successes can give way to boredom . if your child is generally on track , you’re probably best off taking a traditional path : send your kid to school with a hug , a kiss and a loving wish for a healthy , happy year .


plain green loans is an online lending business that offers emergency cash via the internet and is owned by the chippewa cree tribe on the rocky boy indian reservation .

it is known for its high annualized interest rates of up to 379 percent and its activities are considered to be challenging " the ability of state regulators to enforce the loan market to police caps and other consumer protection measures , " while raising questions in regard to tribal sovereignty .

plain green loans

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senator johnathan windy boy , plain green’s policy advisor , shares plain green ' s ethics . ( courtesy of windy boy )
currently , plain green loans does not offer loans to members of the armed forces and their dependents . you may have other resources available .
plain green’s practices and policies with respect to the collection and use of personally identifiable information are governed by plain green’s privacy policy .
eric nugent found plain green loans to be a useful tool for short term lending when his car needed repairs .
as long as it doesn ' t make any loans to montana residents , state prosecutors plan to let plain green loans and the chippewa cree tribe be .
green loans are available in 48 states ( exceptions are ia and id ) .
he knew rates were higher but without plain green loans he may have lost his car and his credit may have been worse .
all information submitted to plain green via this site shall be deemed and remain the property of plain green and plain green shall be free to use , for any purpose , any idea , concepts , know - how or techniques contained in information a visitor to this site provides plain green through this site . plain green shall not be subject to any obligations of confidentiality regarding submitted information except as agreed by the plain green entity having the direct customer relationship or as otherwise specifically agreed or required by law . nothing contained herein shall be construed as limiting or reducing plain green’s responsibilities and obligation to customers in accordance with the plain green privacy policy .
plain green loans has received 2 . 70 out of 5 stars based on 20 customer reviews and a bbb rating of b - .
wayne land was not able to get a loan through a conventional lending company and found plain green loans to be a good alternative .
the astronomical interest rates plain green loans charges for small amounts of cash will likely add to your financial strain , rather than reduce it .
get money by the next day : plain green loans can approve your loan and deposit your funds as soon as the next business day .
my green loans makes getting a loan easy . unsecured short - term personal loans , up to $ 40 , 000 , over 1 - 5 years .
this agreement shall be subject to any other agreements you have entered into with plain green .
are you thinking about taking out a payday loan from plain green loans ? proceed with caution . the “plain and simple pricing” is straightforward enough , but while plain green might be better than , say , western sky , it’s still an incredibly expensive way to get fash cash to meet your financial needs . we’ll break down the costs of plain green loans and suggest some alternatives that help you build credit without getting deeper into debt .
think finance says on its website that plain green loans is one of its
products ,
along with online lenders owned by two other tribes .
choose a payment schedule : plain green loans lets you choose between biweekly and monthly payments , so you can select the one that best fits your budget .
an alternative to a quick , easy , and convenient plain green loan . bank loans can involve a meeting with your bank manager and are subject to approval .
the process was easy & i would recommend plain green loans to my friends . i appreciate your help in my time of need . thank you so much .
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even if you need cash quickly , plain green loans aren’t the cheapest option . moreover , plain green doesn’t report to credit bureaus unless you’re late on your payments . this means that you’re stuck in the land of bad credit , unable to build your way back up .
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no hidden fees : plain green loans doesn’t charge you any hidden fees or prepayment penalties , so you don’t have to worry about running into unexpected charges down the line .
plain green loans offers loans up to $ 3 , 000 with aprs ranging from 150 % to 375 % . while the company assures you that’s a bargain compared to traditional payday loans , it’s still robbing you blind compared to virtually any other type of credit . the average credit card charges about 15 % apr , and some of the best personal loans will offer rates under 10 % apr to those with good credit . even adding in any hidden fees , you’ll probably still come out better than if you went with plain green loans .
plain green will extend the term of the loan and it may result in additional interest charges . extensions are
wsoc in charlotte reported on a man who had purchased a loan through money mutual , a company that matches borrowers with payday lenders . the man received a loan from plain green loans who allegedly charged him 625 % in interest . the company insisted it was “not loan sharking , ” but the customer cautioned others against borrowing from plain green loans .
if it turns out that plain green loans is not a bona fide tribal lender , that could change state prosecutors ' laissez - faire approach to the company , molloy said .
a plain green loan was extremely helpful to keep her car running and allowing her to keep going to work .
you can instantly apply for an unsecured fixed rate installment loan of up to $ 40 , 000 - today ! forget 600 + % interest rates . my green loans is able to provide access to short term loans with interest rates as low as 5 . 99 % . my green loans terms of 1 , 3 , or 5 year unsecured fixed rate personal loans make it easy to fit your monthly budget ! the difference is plain to see .
plain green loans promises “simple and convenient loans” that can get you the money you need by the next day . there’s no hidden fees , and the company reports payments to the credit bureaus , so the loan may even help your credit score over time .
available if your payment is the following business day and plain green has already processed your payment or transaction . extensions are
indian country today media network recently spoke with montana state senator jonathan windy boy ( d–box elder ) , plain green’s policy advisor , to shed some light on plain green and its membership in the native american lending alliance ( nala ) .
on august 16 , 2017 , plain green loans responded to bbb . the company provided bbb with a copy of its loan agreement . in the agreement there are disclosures pertaining to . . .
a loan is money borrowed on condition that it’s paid back per the agreement . there are several types of loans , including a quick and convenient short - term installment loan from plain green .
we offer personal loans with no paperwork , no hassle , and no surprises .
you may not use , copy , display , distribute , modify or reproduce any of the trademarks found on the site unless in accordance with written authorization by us . we prohibit use of any of the plain green trademarks , service marks or licensed brands as part of a link to or from any site unless establishment of such a link is approved in writing by us in advance . any questions concerning any plain green trademarks , or whether any mark or logo is a plain green trademark , should be referred to plain green .
all signed loan agreements are subject to verification of prior plain green loan history and application information . your online application will be either approved or declined based on our evaluation of the information you provide . in some cases , we may need to ask for additional information . for most customers , it ' s quick and hassle - free . plain green customers can finance one plain green loan at a time .
this site may contain links to websites controlled or offered by third parties ( non - affiliates ) . plain green hereby disclaims liability for any information , materials , products or services posted or offered at any of the third - party sites linked to this website . by creating a link to a third - party website , plain green does not endorse or recommend any products or services offered or information contained at that website , nor is plain green liable for any failure of products or services offered or advertised at those websites . such third party may have a privacy policy different from that of plain green and the third - party website may provide less security than the plain green site .
plain green loans offers payday loans , which are always more trouble than they’re worth . the high interest rates often turn a short - term money shortage into a longer - term financial crisis , as borrowers struggle to pay back what they owe in the short loan terms offered by the payday loan company .
our green loan terms are plain and simple : your personal installment loan ' s fixed , low - interest rate will never go up .
plain green loans markets itself to those with poor credit who need money quickly . there’s no minimum credit score for approval and you can get your money as soon as the next day . however , the same is true of personal loans , and these often come with much lower interest rates and longer payment terms . the best personal loan companies , like onemain , don’t have a minimum credit score either . this is a much better option than plain green loans , so if you’re looking for quick cash , start with a personal loan .
rosette said plain green loans is wholly owned by the tribe , though he acknowledged that his staff of 25 isn ' t equipped to handle the volume . it employs a las vegas call center and uses brokers to provide it with databases of potential borrowers . it borrows just enough money each day to cover its loans .
plain green loans claims to be there in your hour of need , but its outrageous interest rates could land you in even more financial trouble . look into personal loan providers instead , or even credit cards before getting a loan through a payday loan lender like plain green . any one of these payday loan alternatives should be able to offer you far more money at a much lower rate .
few requirements for approval : plain green loans only requires its applicants to be 18 or older ; have a job , email address , and checking account ; and live in a state where it does business . there’s no minimum credit score required .
plain green will not engage in advertising practices or other outgoing communications that would discourage on a prohibited basis the making or pursuing of an application for credit .
rosette said those complaints are relatively few when compared to the thousands of loans the company has administered .
plain green will provide notices of action taken on loan applications in a manner consistent with the principles of the equal credit opportunity act and federal reserve board regulation b .
if this is your first plain green loan , you could qualify for $ 500 up to $ 1 , 000 . see loan cost & terms for additional information .
there are a lot of things the tribe won ' t disclose . rosette says the default rate is on plain green loans is proprietary information . he won ' t name the companies the tribe is involved with or say where company borrows its money or at what rate .
the washington times ran a story about a lawsuit filed by a vermont resident who borrowed money from plain green loans . the customer alleged that the company “blocked her access to her own bank account , automatically withdrew funds without her consent , did not examine her ability to repay the loan , and charged excessive interest rates , which are against vermont law . ” plain green loans is wholly owned by the chippewa cree tribe in montana , who fought against the lawsuit on the grounds of tribal immunity . this claim was later rejected by the judge .
plain green loans does have its advantages to those with poor credit . there’s no minimum credit score required , and since it reports your payments to the credit bureaus , if you can keep up , you could see your score rise over time . but there are still better options out there for you . onemain , for example , doesn’t have a minimum credit score either , and its maximum apr is 36 % — less than 10 % of what plain green loans will charge you . this is definitely a smarter way to go for most people .
plain green may discontinue or make changes in the content and site at any time without prior notice to you and without any liability to you . any dated information is published as of its date only , and plain green does not undertake any obligation or responsibility to update or amend any such information . plain green reserves the right to terminate any or all site offerings or transmissions without prior notice to you . this site could contain technical inaccuracies or typographical errors . use of this site is at your own risk .
failure by plain green to enforce any of its rights under this agreement shall not be construed as a waiver of those rights or any other rights in any way whatsoever .
unlike many traditional banks , with plain green you have the choice of paying off your loan over several installments , or all at once at any time – without penalties .
the chippewa cree tribe says its loans are not payday loans , those two - week loans with annualized interest rates of more than 600 percent or more . instead , the tribe says , its highest annualized interest rate is 360 percent . payments are made over a period of months , usually in monthly or biweekly installments .
if you need help managing some unexpected expenses , then you should seriously consider a personal loan from plain green . with our personal loans , you pay no prepayment fee , no application fee , and you pay only the interest for the amount of time that you keep the loan .
plain green has no obligation to monitor the site ; however , you acknowledge and agree that plain green has the right to monitor the site electronically from time to time and to disclose any information as necessary or appropriate to satisfy any law , regulation , or other governmental request , to operate the site , or to protect itself or other users of the site .
astronomical interest rates : despite what the company would have you believe , plain green loans’ interest rates are about average for a payday lender , and far more expensive than most other forms of credit . if you’re not comfortable paying 300 % interest on the money you borrow , look around for other options .
it is plain green policy to treat all consumers consistently and fairly . the standard for all employees is to provide service in a fair , equitable , and consistent manner . plain green is committed to making credit products and services available to diverse communities and customers on an equal opportunity basis . this commitment is reflected in formal processes and systems designed to ensure compliance with fair lending requirements . plain green dedicates information and training resources in an ongoing effort to maintain a high level of employee awareness for providing credit products and services in a fair , equitable , and consistent manner .
more than 12 percent of the 300 companies making payday loans through the internet are wholly owned by american indian tribes , frank cotton , a payday - loan consultant in atlanta , told the wall street journal . indian country’s business with online banks made about $ 420 million in payday loans in 2010 , or about 12 , 500 loans a month , he estimates . precise figures are hard to come by , as native american businesses aren’t required to give details on their business operations . but there are at least seven federally recognized tribes that own payday lenders . these include the chippewa cree tribe in montana , which recently launched its internet payday loan service plain green loans .
this is the amount that remains to be paid back on a loan . for example , when you make regular payments on a plain green loan , your outstanding balance goes down with each installment .
less than a year old , plain green loans already has an f rating by the better business bureau after the agency received 20 complaints mainly dealing with billing and collection issues . eleven of the complaints were resolved , but the company didn ' t respond or failed to resolve the other nine , according to the bbb .
this agreement is effective until terminated by plain green . plain green may terminate this agreement at any time without notice , or suspend or terminate your access and use of the site at any time , with or without cause , in plain green’s absolute discretion and without notice . the following provisions of the agreement shall survive termination of your use or access to the site : the sections concerning indemnification , disclaimer of warranties , limitation of liability , waiver , applicable law and dispute resolution , and general provisions , and any other provision that by its terms survives termination of your use or access to the site .
as more states pass laws to rein in lenders who deal in high - interest , short - term loans , indian tribes like the chippewa cree and their new online lending venture , plain green loans , are stepping in to fill the void . the internet lets them reach beyond the isolated rocky boy ' s indian reservation to borrowers across the nation , while tribal immunity has allowed them to avoid bans and interest - rate caps several states have set .
a personal loan is your best bet . typically , these offer lower interest rates , and you can borrow up to $ 30 , 000 if you need to . they also offer longer loan terms and , unlike plain green loans , you can choose how long you need to pay it back ; usually up to five years .
green loan terms are simple : rates from 5 . 99 % to 35 . 64 % apr .
you agree to indemnify and hold harmless plain green from and against any and all claims , losses , expenses , demands or liabilities , including attorneys’ fees and costs , incurred by plain green in connection with any claim by a third party ( including any intellectual property claim ) arising out of ( i ) materials and content you submit to , post to or transmit through the site , or ( ii ) your use of the site in violation of this agreement or in violation of any applicable law . you further agree that you will cooperate fully in the defense of any such claims . plain green reserves the right , at their own expense , to assume the exclusive defense and control of any matter otherwise subject to indemnification by you , and you shall not in any event settle any such claim or matter without the written consent of plain green .
plain green is a tribal lender of the chippewa cree tribe operating within the boundaries of the rocky boy’s indian reservation , montana , a sovereign nation located within the united states of america . loans from plain green are governed by the laws of the chippewa cree tribe , not the law of your resident state . the laws of your resident state may have interest rate limits and other consumer protection provisions that are more favorable . if you wish to have your resident state law apply , you should consider taking a loan from a licensed lender in your state .
short loan terms : plain green loans offers terms ranging from six to 24 months , which is considerably shorter than what most personal loan providers offer . and you don’t get any say in how long your repayment term is . this could be problematic , particularly since you’re responsible for paying back a lot of interest on top of the initial amount .
this agreement and all other aspects of your use of the site shall be governed by and construed in accordance with the laws of the chippewa cree tribe of the rocky boy ' s indian reservation , montana , to the extent applicable , to the laws of the united states . you agree that you will notify plain green in writing of any claim or dispute concerning or relating to the site and the information or services provided through it , and give plain green a reasonable period of time to address it before bringing any legal action , either individually , as a class member or representative , or as a private attorney general , against plain green .
bbb recommends consumers become familiar with both the federal laws of the united states of america regarding short term loans before working with this business .
to neal rosette , plain green loans ceo and the chippewa cree ' s former executive administrative officer , it ' s a win - win . the online lending venture is a resource for people who can ' t or won ' t borrow from banks , while it gives the tribe a steady revenue stream and jobs with unemployment on the reservation at nearly 40 percent .
paying back a loan before the arranged due date . some banks charge fees for doing this . not at plain green — you can pay your loan off in installments or all at once , at any time , without penalties .
say you took out a $ 2 , 000 loan from plain green loans . according to the company’s loan calculator , you’d be charged 200 % apr . over the course of the 22 - month loan period , that loan is going to cost $ 7 , 588 . 81 . that’s an extra $ 5 , 588 . 81 in interest on a $ 2 , 000 loan .
you may have other questions about plain green , or want more information than is available on our website . our customer support team is here to listen and provide you with exceptional customer service – just let us know how we can help .
i acknowledge and understand plain green , llc , is a wholly owned company of the chippewa cree tribe of rocky boy’s reservation , montana ; a native american tribe federally recognized by the government of the united states of america , and we operate within the boundaries of the reservation . you may reside in a state that does not recognize the sovereign lending authority of the chippewa cree tribal government and may consider the products and services offered by plain green as void under state law . by entering into an agreement with plain green , you are availing yourself upon the jurisdiction of the tribe and fully understand and consent that any agreement entered into is subject to the laws and lending codes enacted by the tribe’s federally recognized sovereign government .
it can be difficult to obtain records that define the relationship between a tribe and non - tribal entity . that ' s the case with plain green loan ' s relationship to a fort worth , texas - based company called think finance inc .
plain green , llc , is a wholly owned company of the chippewa cree tribe of rocky boy’s reservations , montana ; a native american tribe federally recognized by the government of the united states of america , and we operate within the boundaries of the reservation . by entering into an agreement with plain green , you are availing yourself upon the jurisdiction of the tribe and fully understand and consent that any agreement entered into is subject to the laws and lending codes enacted by the tribe’s federally recognized sovereign government .
tags indian , american indian , indian country today , indian country , plain green loans , indian country today media network , federally recognized tribes , native american businesses , cree tribe , indian country today media , native american lending , tribal , tribe , native american , native americans , the native american , american indian tribes , native american communities , native , chippewa cree tribe , chippewa cree , 3 .
while there are cheaper alternatives to plain green loans , the truth is that payday lending is pretty expensive no matter where you go . it’s important to take a hard look at your finances , ideally with the help of a professional . this will help you get your finances in shape and prevent you from having to borrow again next payday . here are some low - cost or free financial counseling resources :
payments reported to credit bureaus : if you’re looking to repair your credit , prompt repayment of your plain green loan could help . the company reports your payments to the credit bureaus and if you demonstrate responsibility , it could improve your credit score over time .
bbb recommends consumers become familiar with the federal laws of the united states of america regarding short term loans before working with this business . check with your state to find out if the loans are collectible and enforceable . consumers may find additional information by contacting the federal trade commission or the us consumer financial protection bureau .
our latest product , plain green , launched in april . customers in need of emergency cash can apply online in minutes , get an answer in seconds , and get cash as soon as the next day ,
a think finance news release from september reads .
the missoulian discussed the chippewa cree’s ownership of plain green loans and how many payday lenders are affiliating themselves with tribes in order to take advantage of tribal immunity . many lawmakers are fighting to restrict these practices , claiming they’re unfair to consumers . a spokesperson for the consumer federation of america said that , “it’s a real threat to the ability of state regulators to enforce the loan market to police caps and other consumer protection measures . ”
plain green provides financial services to the underbanked . some estimates indicate that 25 percent of the u . s . population falls into this category . the traditional banking system is failing many consumers with less - than - perfect credit history . let’s ask the banks when was the last time they made an unsecured installment loan of $ 1 , 000 or less . you won’t see too many raise their hands . plain green also reports to credit bureaus which allows consumers to improve their credit score with positive payment history . in a recent survey , plain green asked its customers , “why did you take out a loan with us ? ” we heard things like : “i’m paying off credit cards slowly but surely and doing well thanks to you guys cuz no one would help me—thanks . ” results of the survey will be published this month .
this is an expensive form of credit . plain green loans are designed to help you meet your short - term , emergency borrowing needs . appropriate emergencies might be a car repair , medical care for you or your family , travel expenses in connection with your job , etc . our loans are not intended to provide a solution for longer - term credit or other financial needs . alternative forms of credit , such as a credit card cash advance , personal loan , home equity line of credit , existing savings , or borrowing from a friend or relative , may be less expensive and more suitable for your financial needs .
that ' s a problem for consumer groups and the states that have tried to bring such lending under control . the issue with these loans , consumer advocates say , is that their high interest rates make it too easy for a borrower to become trapped in a cycle of debt as they have to borrow more to repay their original loans .
keeping your financial and personal information safe is one of our most important responsibilities . plain green has taken a number of measures to keep our process completely confidential and secure . please review the details on our security page , and if you have additional unanswered questions , please contact us .
though not a traditional payday lender , plain green loans operates like one . it charges its customers interest rates upwards of 300 % . first - time borrowers can borrow up to $ 1 , 000 , and repeat customers can borrow up to $ 3 , 000 . you don’t get to choose the term length and the longest available term is two years . there’s no hidden or prepayment fees , but that doesn’t mean you can expect a reasonable interest rate .
compare that with payday loans that require you to pay in full by your next payday . plus , you can always pay your loan off early , without a prepayment penalty .
a payday loan , or payday advance , is a short - term loan that ' s intended to cover expenses until you get paid . the lender typically charges a fixed fee based on the amount borrowed , and you have until your next payday to pay it off — regardless of when you apply . payday loans often help people who can ' t get credit elsewhere . a plain green installment loan is typically a less costly and more flexible emergency cash alternative .
small - dollar loans from credit unions . many credit unions , especially community development credit unions , make loans of $ 200 - $ 1 , 000 with an apr of 28 % or less and an application fee of $ 0 - $ 20 . these loans are meant to help you build credit and get your finances in shape . the loan term is between one and six months , so you don’t get in a cycle of borrowing to repay your debts . credit unions are also a great source of financial education and can potentially offer financial counseling .
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colorado is trying to prevent western sky from making loans within its borders , while the tribe counters that the state is attempting
to reach into the reservation and regulate commercial activity .
because of growing restrictions on payday loans , banks and payday lenders are teaming up with american indian businesses . indian country offers a loophole , sovereign immunity , that shields companies from the u . s . government’s mandated interest rate caps and other payday - loan regulations . indian country lenders can even issue loans in states where lawmakers have booted out the payday - loan industry .
onemain : onemain offers personal loans from $ 1 , 500 to $ 10 , 000 . loan terms will vary . interest rates vary from 25 % apr for those with very good credit , to 36 % apr for borrowers with poor credit . there is no minimum credit score to apply , so it’s a great place to apply if you’ve been denied loans from other companies .
plain green is providing you the following information in a manner consistent with principles under united states federal law . it is the policy of plain green to make credit products and associated loan operations support services available to all qualified applicants without discriminating on the basis of race , color , religion , national origin , sex , marital status , or age ( provided that the applicant has the capacity to enter into a binding contract ) ; the fact that all or part of the applicant’s income derives from any public assistance program ; or the fact that the applicant has in good faith exercised any right under the consumer credit protection act .
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when looking for a personal loan option , be sure to do your research . look for hidden charges and fees in the fine print . personal loans should have a set payment schedule that is coordinated with your paydays for your convenience .
when they were getting it from brick - and - mortar businesses it was easy to monitor how many people were getting payday loans . now that it ' s all on the internet , it ' s harder to monitor ,
griggs said .
this site is not intended for distribution to , or use by , any person or entity in any jurisdiction or country where such distribution or use would be contrary to local law or regulation . by offering this site and content no distribution or solicitation is made by plain green to any person to use the site or content in jurisdictions where the provision of the site and / or content is prohibited by law .
when you need a quick , convenient , and secure way to get cash to cover unexpected bills , bounced checks and other surprises — an installment loan from plain green may be a good solution . our online application process is simple and straight forward . in just a few minutes you’ll find out how much cash you qualify for — anywhere from $ 500 to $ 1 , 000 for our first - time customers .
in no event will plain green be liable for any damages including general , special , direct , indirect , incidental , consequential , punitive or any other damages , losses or expenses ( including , without limitation , lost profits or business interruption ) of any kind whether in an action in contract or negligence arising or relating in any way to the use or inability to use by any party of the content , the site or any third - party site to which this site is linked , or in connection with any failure of performance , error , omission , interruption , defect , delay in operation or transmission , computer virus or line or system failure , even if plain green , our representatives thereof , are advised of the possibility of such damages , losses , or expenses . [ your sole remedy for dissatisfaction with this site is to stop using the site . ] if your use of materials from this site results in the need for servicing , repair or correction of equipment or data , you assume any costs thereof . if the foregoing limitation is found to be invalid , you agree that plain green’s total liability for all damages , losses , or causes of action of any kind or nature shall be limited to the greatest extent permitted by applicable law .
a quick personal loan from plain green may solve your immediate cash flow problems . maybe your car broke down and you need it fixed fast . maybe those books for college cost much more than you anticipated . emergency medical bills could be piling up . there are many reasons to consider a personal loan , and many options are out there . make the decision that is right for you , your budget , and your credit .
plain green ' s track record is very poor . its ok if needed for a quick solution . but be very careful in getting a loan . 4 months after my loan was paid , in full . i receive a call from them stating that i still owe 290 . for what ? finance fees . but it wasn ' t reported to the credit agencies . so i reported them to having law enforcement to look into them . a very bad practice procedures on their part .
helena - an indian reservation in the heart of montana ' s farm country may seem an unlikely place to borrow a quick $ 600 , but the chippewa cree tribe says it has already given out more than 121 , 000 loans this year at interest rates that can reach a whopping 360 percent .
some non - tribal businesses have seen tribal immunity as a shield that they can use to make high - interest loans outside of the regulatory spotlight and a way to avoid state law enforcement , fox said . so they affiliate themselves with the tribe and conduct business under that shield , she said .
plain green invests 40 percent of its profits directly back into the chippewa cree tribe . to date , we have provided scholarships , educational resources , funding for parks , and holiday meals for each member of the tribe . tribal leaders are developing a long - term strategic plans for putting the revenue to the best use for our people . in a time of budget cuts from the federal government , the chippewa cree aren’t sitting idle . we’re providing economic opportunity and real hope for the future .
this agreement supersedes any previous terms of use agreement to which you and plain green may have been bound . this agreement will be binding on , inure to the benefit of , and be enforceable against the parties and their respective successors and assigns . neither the course of conduct between parties nor trade practice shall act to modify any provision of the agreement . all rights not expressly granted herein are hereby reserved . headings are for reference purposes only and in no way define , limit , construe or describe the scope or extent of such section .
you authorize plain green ( “us” or “we” ) to verify the information given in connection with this loan application , and you give us consent to obtain information about you from a consumer reporting agency or other sources to verify all of the information you have provided us , including past and / or current information . if there is any missing or erroneous information in or with your loan application regarding your bank account ( including without limitation your bank , bank routing number , or account number ) , you authorize us to verify and correct such information .
nala’s best practices ensure complete transparency of rates and fees , so there is always full disclosure of all terms and conditions to the consumer . here are the facts . according to a 2009 bretton wood study , fee analysis of band and credit union non - sufficient funds and overdraft protection programs , more than 20 million households pay an average of $ 1 , 500 a year in non - sufficient funds and overdraft fees . according to a 2008 federal deposit insurance corporation study , “a $ 27 overdraft fee that a customer repays in two weeks on a $ 20 debit purchase would incur an annual percentage rate of 3 , 520 percent , ” the new york times reported . our consumers know the facts and the real costs of their options . plain green does not lend within the state of montana . we use all available information to underwrite unsecured loans and this includes the applicant’s address on the credit application .
the sovereign - loan model is “exploding and will be the future lending model for payday - loan companies , ” said jer ayler , president of trihouse enterprises inc . , a payday - loan consultant in las vegas . just like the casino boom that began a few decades ago , payday loans are emerging as a great boon for economically struggling native american communities .
the information and materials contained in this site , including text , graphics , links or other items and content are provided “as is” , “as available” , without any warranty , either express or implied , including the implied warranties of merchantability , fitness for a particular purpose , non - infringement or title . additionally , there are no warranties as to the results of your use of the content . plain green does not warrant that the site is free of viruses or other harmful components . this does not affect those warranties which are incapable of exclusion , restriction or modification under the laws applicable to this agreement .
for tribes like ours , geography creates a number of barriers to promoting economic growth . e - commerce has provided our tribe with the ability to create innovative and profitable businesses , and we believe our product gives consumers real choice when it comes to emergency short - term loans . all nala lenders operate as an arm of their tribe and are wholly owned by the tribe .
forty - two states and the district of columbia have taken different regulatory approaches , from outright bans to interest - rate caps . montana voters last year passed a ballot initiative that capped such loans at a 36 percent annualized interest rate , which has led to a nearly 83 percent drop in so - called deferred deposit lenders , according to montana banking and financial institutions director melanie griggs .
plain green , llc is a tribal lending entity wholly owned by the chippewa cree tribe of the rocky boy ' s indian reservation , montana , a sovereign nation located within the united states of america , and we operate within the tribe ' s reservation . if we receive , process , and approve your application before 5 : 45 p . m . et , we typically fund it on the next business day . if we are unable to verify your application information , we may ask you to provide certain documents . the maximum loan amount for your initial loan is $ 1 , 000 . refer to loan cost & terms for additional details . we provide complete disclosures of apr , fees and payment terms in the loan agreement .
this compnay used to give good rates to repeat clients and had a transparent system that was easy to use . they ' ve raised their rates even on existing clients with excellent histories and hide what they are doing . the only possitive at this point is they evidently audited one of my older loans and sent me a refund . in the past i would ' ve recommend them to people , not anymore . i won ' t be using the again .
lending club : lending club offers personal loans up to $ 40 , 000 with interest rates ranging between 5 . 32 % and 30 . 99 % . these interests rates are fixed , so you don’t have to worry about them going up over time . there are no hidden fees or prepayment fees if you decide to pay off your loan early . lending club requires a minimum of a 660 credit score , though , so it may not be an option for some .
we structure our loans so you will have the option of making bi - weekly , monthly , or semi - monthly payments . for example , a $ 700 loan with an annual percentage rate ( apr ) of 413 . 00 % has 24 bi - weekly payments of $ 106 . 43 . the actual number of payments required for your loan will be based on your loan amount and your pay schedule . for your convenience , we link your loan payment dates to your pay dates .
pg says that the typical first - time customer qualifies for a loan of $ 200 - $ 1 , 000 , with an apr of 299 . 17 % to 378 . 95 % . that’s better than many of the lenders we’ve written about : western sky’s interest rates on small - dollar loans can be as high as 340 % , while moneytree and mobiloans can easily have aprs over 450 % . still , you can do much better than a 300 % interest rate . for comparison :
i have had 3 other loans with you in the past 4 years and have always paid them off . each time i had received one the interest rate would go down as i was told . the last time i got a $ 2000 . 00 loan my interest rate was % 200 and my payment was $ 329 . i did not notice at first but for the $ 2000 . 00 my interest rate is almost % 300 and my payment $ 420 . too late now but will pay off soon . not doing again . disappointed .