Try reading the many threads in the forum on this...
no, it's more simple
@ goldsilvy, if you are in an association group, check a friend who is in a different level than yours and he is your T11 friend too.
If you see him from your friend's list, you 'll see his team with 10* or 1* players.
if you see him from the asso view, his players are similar quality as yours.
or for example if you loan a player from an asso mate who is 10 lvs below you, still his loan gonna be a 5*-6*-7* player in your team.