SECTION 5: SCHOLARSHIPS & FINANCIAL AID RULES

SECTION 5: SCHOLARSHIPS & FINANCIAL AID RULES Understanding how scholarships and financial aid work is critical for making informed recruiting and college decisions. Not all offers are the same, and financial structure often matters more than the label.

Athletic Scholarships

Division I (FBS/FCS): Can offer full or partial scholarships depending on sport and program limits

Division II: Primarily partial scholarships, often combined with academic aid

Division III: No athletic scholarships

Scholarships are typically one-year agreements and may be renewed annually.

Equivalency vs. Headcount Sports

Headcount sports (e.g., FBS football, basketball): Full scholarships only

Equivalency sports: Scholarship money is divided among athletes

Understanding this distinction clarifies offer value.

Academic & Need-Based Aid Academic scholarships, grants, and need-based aid can significantly reduce cost—especially at Division III and private institutions.

Stacking Aid Many schools allow “stacking” of athletic, academic, and need-based aid within NCAA limits. Stacking can make smaller athletic offers financially competitive.

Financial Aid Agreements Only written agreements are binding. Verbal offers are not guaranteed.

Cost of Attendance Awareness Evaluate total cost—tuition, housing, meals, fees—not just scholarship percentage.

Key Takeaway The best offer is the one that balances opportunity, affordability, and long-term stability—not just the biggest headline number.

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