Saturday, May 16, 2026

Small-School Problems

  • Division II and III athletic departments want to help their athletes profit off NIL.
  • But the lack of resources makes it more difficult for them to do so.
Photo: Concordia University Chicago Athletics/Design: Alex Brooks

In the world outside college athletics, people can profit off their name, image, and likeness without nearly as many restrictions as the NCAA wanted to implement on athletes.

And many people — including regular college students — do just that, without any help from their institutions.

But it’s no secret that providing educational resources on brand building, financial literacy, and even legal tips can help college athletes make bank on NIL. 

Division II and III athletic departments want to help. But the lack of resources makes it more difficult to do so.

David vs. Goliath?

Small schools are already at a disadvantage. One person in an athletic department may do the job of an entire team at a Power 5 school. So they have fewer personnel to begin with, like social media creators or compliance officers.

Wealthy D-I schools from Nebraska to Tennessee have spent the past year building sprawling NIL programs, hiring consultants for NIL education, content creation, compliance, and more. 

But many D-II and D-III schools can’t afford to enlist a network of NIL companies on their payroll, D-III Concordia University Chicago Director of Athletic Communications, Kristen Keller, told FOS.

Less Money, More Problems

The combination of these factors creates two main problems. 

First, they don’t have access to outside experts who can help them navigate NIL laws — since the NCAA isn’t supplying them. So it’s more difficult for them to teach athletes not just how to monetize their NIL, but also to make sure they’re not violating state or NCAA regulations.

Lipinski said that his department’s compliance office has been able to get some background info in the past few months from his conference. But at the D-III level, “the information that the public has is, as of right now, what the schools have,” Keller said.

And even when they do get educated, they don’t have the money to provide the programs they think athletes need. Even the cheapest NIL education “isn’t something that we budgeted for,” Keller said. 

And schools likely don’t have in-house resources to re-purpose, either.

This field is for validation purposes and should be left unchanged.

Sign up for
The Memo Newsletter

Get the biggest stories and best analysis on the business of sports delivered to your inbox twice every weekday and twice on weekends.

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.
Linkedin
Whatsapp
Copy Link
Link Copied
Link Copied

What to Read

Jul 29, 2025; Montreal, QC, Canada; Maya Joint (AUS) reacts after scoring a point against Leylah Fernandez (CAN) in first round play at IGA Stadium.

NCAA Proposes Prize Money Rule Change After Landmark Settlement

The change would allow players to accept prize money without affecting eligibility.
Mar 29, 2026; Washington, DC, USA; UConn Huskies guard Braylon Mullins (24) celebrates after making the game-winning three-point basket against the Duke Blue Devils in the second half during an Elite Eight game of the East Regional of the men's 2026 NCAA Tournament at Capital One Arena

Braylon Mullins Waiting to Cash In On Game-Winning Shot

Mullins is holding off on NIL opportunities until the Huskies’ season ends.

Brett Yormark and Cody Campbell Fight Over Who Runs Big 12

“He is not the dictator of the conference. That’s not his role.”

Iowa State Star Audi Crooks Enters Transfer Portal

Crooks, an Iowa native, has one year of eligibility remaining.

Featured Today

‘The Sonics Never Died’: The Long Afterlife of Seattle NBA Merch

Inside “the largest team shop for a team that doesn’t exist.” 
Mar 27, 2026; Washington, DC, USA;UConn Huskies forward Tarris Reed Jr. (5) dunks the ball against the Michigan State Spartans in the second half during a Sweet Sixteen game of the East Regional of the men's 2026 NCAA Tournament at Capital One Arena
March 28, 2026

March Madness Coaches Debate ‘Blueblood’ in NIL Era

The term’s meaning was up for debate at men’s March Madness.
Maxime Vachier Lagrave
March 25, 2026

The Planet’s Best Chess Players Are Having Their LIV Golf Moment

Chess’s most prestigious tournament is battling a splashy Saudi event.
Beau Brune/LSU
March 22, 2026

College Athletic Departments Are Becoming Media Companies

“There’s only so many tickets you can sell, but content is infinite.”

NCAA Is Trying to Close NBA Draft Eligibility Loophole

If passed, the rules will be implemented by the next academic year.
April 1, 2026

The European Agent Behind the Illinois Final Four Run

Miško Ražnatović represents four of the Illinois “Balkan Five.” 
April 1, 2026

Why a Furniture Store Is Risking $50M on UConn Basketball

Jordan’s Furniture will refund purchases if both Huskies teams make the final.
Sponsored

Baseball Is Back: MLB Opening Day Prices Soar

MLB Opening Day ticket prices are at record highs. TickPick data breaks down demand, pricing trends, and where fans are paying the most.
March 30, 2026

Top Seeds Sweep Women’s Final Four As 2025 Teams All Return

It’s the first repeat Final Four in 30 years.
exclusive
March 30, 2026

Alabama, Nebraska, Michigan Spent Most on CFB Private Jet Travel

Texas A&M spent $493,000 on coach Mike Elko’s travel alone.
March 29, 2026

UConn Men, Women Reach Final Four Despite Financial Pressures

UConn men and women both reach Final Four in rare feat.
Mar 27, 2026; Washington, DC, USA; Duke Blue Devils forward Cameron Boozer (12) attempts to dribble the ball past St. John's Red Storm forward Bryce Hopkins (23) in the first half during a Sweet Sixteen game of the East Regional of the men's 2026 NCAA Tournament at Capital One Arena
March 27, 2026

Duke vs. St. John’s: The Battle of Dueling Roster Strategies

In the “unrestricted free agency” era, the Blue Devils won out.