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which is the school's Cost of Attendance. This is not the same thing as tuition cost, but tuition cost is the primary driver of COA.

BUT! and here's one of the craziest things about them making NIL financial aid..a scholarship athlete (specifically full-ride) would have a virtually zero COA (without an approved COA appeal based on unusually high living expenses) meaning in theory, they couldn't receive any NIL money.

I said a long time ago, without anticipating this idiotic move, NIL or school direct pay should be treated as tax tracked income. Create a new tax law requiring: the athlete to report all funds received (NIL/direct pay), the third party paying NIL to report it on their taxes, and the school paying direct pay to report it on the 1098-T.

This will make all parties involved much more likely to color inside the lines as violations will no longer be potential NCAA violations (depending on their mood), it would now be dealt with by the I R S!