• Loading stock data...
Tuesday, January 6, 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.

Linkedin
Whatsapp
Copy Link
Link Copied
Link Copied

What to Read

Dec 8, 2025; Inglewood, California, USA; ESPN sideline reporter Laura Rutledge (left) interviews Los Angeles Chargers quarterback Justin Herbert (10) after the game against the Philadelphia Eagles at SoFi Stadium.

Laura Rutledge Opens Up on Justin Herbert and Viral Sugar Bowl Sprint

“I did not know that anybody was going to be filming that.”
Jan 1, 2026; Pasadena, CA, USA; Indiana Hoosiers head coach Curt Cignetti looks on before the 2026 Rose Bowl and quarterfinal game of the College Football Playoff against the Alabama Crimson Tide at Rose Bowl Stadium. Mandatory Credit:

Cignetti Triggers ‘Good Faith Market Review’ With Rose Bowl Win

The blowout of Alabama will likely mean a $1 million raise.
Dec 13, 2025; Inglewood, CA, USA; Boise State Broncos punter Oscar Doyle (37), long snapper Mason Hutton (42) and place kicker Canaan Moore (48) on the bench prior to the LA Bowl Game against the Washington Huskies at SoFi Stadium.

The Pac-12 Comes Back in 2026

The league was decimated in 2023 during a vicious round of realignment.

Lane Kiffin Earns $500K Bonus From Ole Miss Win Over Georgia

LSU is paying Kiffin’s full bonus structure from his Ole Miss contract.

Featured Today

Hockey in Florida Was Once a Risk. Now It’s Thriving

The state of Florida has become a traditional—and highly lucrative—market.
Dec 30, 2025; Los Angeles, California, USA; Los Angeles Lakers guard Luka Doncic (77) reacts after scoring a basket against the Detroit Pistons during the second half at Crypto.com Arena
January 4, 2026

Why Pro Sports Team Valuations Will Keep Climbing in 2026

Asset scarcity and increasing media-rights deals underpin soaring valuations.
Imagn Images/Front Office Sports
January 2, 2026

FOS Crystal Ball: Predictions for the Business of Sports in 2026

Here’s what FOS journalists think could be on the horizon.
Heated Rivalry (L to R) - Connor Storrie as Ilya Rozanov and Hudson Williams as Shane Hollander in Episode 104 of Heated Rivalry. Cr. Sabrina Lantos © 2025
December 24, 2025

Hockey Needed Some Virality. Then Came ‘Heated Rivalry’

No one was prepared for the Canadian show’s smash success.
Sep 13, 2025; Ann Arbor, Michigan, USA; Michigan Wolverines quarterback Bryce Underwood (19) passes in the first half against the Central Michigan Chippewas at Michigan Stadium.

Bryce Underwood to Stay at Michigan for Sophomore Season

Underwood led the Wolverines to 9–4 as a true freshman.
Charlie Weis Jr
January 5, 2026

Charlie Weis Jr. Could Leave LSU for NFL With No Buyout

Weis won’t owe LSU a buyout if he lands certain NFL roles.
Nov 1, 2025; Salt Lake City, Utah, USA; Cincinnati Bearcats quarterback Brendan Sorsby (2) warms up before the game against the Utah Utes at Rice-Eccles Stadium.
January 5, 2026

Million-Dollar QBs Dominate College Football’s Transfer Portal Window

A single transfer portal window is running Jan. 2–16.
Sponsored

The CFP Bowl Game Tickets Everyone Wants

The second 12-team College Football Playoff is in full swing and tickets to these games are selling at a premium.
January 4, 2026

As Ole Miss Advances in CFP, Kiffin Collects Bonuses—and Its Staff

Several assistant coaches are now expected to stay with LSU.
Jan 1, 2026; Miami Gardens, FL, USA; Oregon Ducks head coach Dan Lanning and players on the podium to receive the champions trophy following the 2025 Orange Bowl and quarterfinal game of the College Football Playoff against the Texas Tech Red Raiders at Hard Rock Stadium.
January 2, 2026

Big Ten Widens CFP Gap in Expanded 12-Team Era

The conference has had four semifinals the past two seasons.
January 1, 2026

Football Transfer Portal Chaos Continues Despite New Rules

The NCAA eliminated the spring portal window, leaving just one in January.
January 1, 2026

The Pac-12 Shrank to Pac-2. In 2026, It Returns With 9 Members

The league was decimated in 2023 during a vicious round of realignment.