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I don't each recruits financial situation, but this is absolutely true for a lot of prospects. For example, Kyren Williams was not coming to ND from a great financial situation, and something as "small" as $50k could've gone a huge way towards helping his family. If you can get that money up front, why not take it? I can't say what I would do in someone's shoes, but if my parents were like "you need to make a family decision here" I think I'd probably listen to them as a teenager.
The problem, to me, is that the bulk of schools are operating under one set of rules and the other has Spyre Sports, Division Street, LifeWallet, etc. The issue is NCAA guidance. Either need to make explicitly clear what is allowed and let the chips fall where they may OR need to provide clear guidance to the contrary... something like "no prospective student athlete is allowed to have any representation or sign any kind of NIL deal until enrolled at a member institution."
When I was 17 as a senior in high school, I can confidently say that if a school offered me $50k up front with promises to make more down the road, I would have taken that offer at the drop of a hat to help my mom out, even if it meant saying “no” to my dream school. I grew up my whole life watching my mom struggle until she met my step dad, it would have been a no-brainer to do the thing that would help her, even if she weren’t pushing me to it… especially if I thought some of the money would go towards a PS3 and a bigger TV lol.
I would’ve figured that I’d make the league anyway, or at least have a degree and get a good job.
I can’t imagine how hard it is for kids that have watched their families struggle AND have relatives in their ear about the money.