If you received an offer from a Division 1 FBS university that is either a Power 4 or Group of 5 school, your scholarship will cover all of your tuition, room and board, books, and additional expenses. Any financial aid you are awarded will be stacked on top of that and go into your pocket. But what if you receive a D2, D3, or NAIA offer? What about FCS schools? What does that mean financially?
I wanted to write this specifically for the student-athletes that are not going to a Power 4 or Group of 5 school. Let's go through each of these and talk about what they mean.
FCS schools have up to 63 scholarships they can award. Not all FCS schools give out 63 scholarships. To fund a roster of 95 to 115 players and only 63 scholarships to use, they are not going to give every athlete a full ride. They are going to give out many partial scholarships so they can field a full roster. Your offer may be only a partial scholarship, and this is something you must ask.
**Note: The NCAA just increased the scholarship limit to 105 for FBS and FCS schools due to a house settlement. There are still many details to be worked out.
NCAA Division 2 Schools have up to 36 scholarships to give to potential football players. Not all Division 2 schools use their full allotment. Very few, if any, athletes are given a full scholarship to a D2 school. Many D2's give out small scholarships to freshmen, and increase the dollar value based on playing time and contribution to the team.
NAIA schools have up to 24 scholarships. Like D2 schools, they are going to divide these scholarships among 75 to 100 players. Many NAIA schools have limits to how much institutional aid an athlete can receive on top of their football money.
D3 schools do not give out any scholarship offers. When you are "offered" by a D3 school, they are essentially telling you they will have a roster spot for you. They do not give athletic scholarships, so you will only get financial aid not related to athletics from a D3 school.
While junior colleges can give up to 85 scholarships, not all use their full allotment. At many junior colleges your football scholarship is partially determined by how much federal financially aid you will get. This way they can recruit more players.
In each case above, you are most likely getting a "partial scholarship." This means you are going to get a scholarship to cover some part of the cost of attendance. Scholarships are as small as $250 a year. Some partial scholarships are $5000, or $10,000 a year. The key is that the scholarship is only going to cover part of your cost of attendance.
What does this mean for you, and what do you need to do to put yourself in the best position possible?
1. Before you sign, ask to see the financial breakdown. Ask the school to show you the numbers. Many times I have heard from parents who thought their son was getting a full ride, only to find out they were getting a scholarship worth $1,000 or 2,000 dollars. The college can give you an estimated breakdown of costs if you provide them your income and family size information. If you have filled out the FAFSA, they can give you a very accurate picture of what your financial obligations will be to attend their school. YOU MUST SEE THIS BEFORE YOU SIGN!
I have seen many young people sign their letter of intent, only to find out later they were going to have to pay thousands of dollars out of pocket, take out student loans, or a combination of the two. If you are going to a D2, D3, or NAIA school, expect that you will have to pay some money out of pocket.
