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Understanding North Carolina's new NIL law on public records, athlete contracts, and agent …

The new NIL law-relating to name, image, and likeness-has been passed, allowing college athletes to receive compensation for the use of what is described under the statute. On July 2, sports attorney Darren Heitner shared on X: “North Carolina’s governor has signed a bill into law that includes a public records exemption for #NIL contracts.” […]

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Understanding North Carolina's new NIL law on public records, athlete contracts, and agent ...

The new NIL law-relating to name, image, and likeness-has been passed, allowing college athletes to receive compensation for the use of what is described under the statute.

On July 2, sports attorney Darren Heitner shared on X: “North Carolina’s governor has signed a bill into law that includes a public records exemption for #NIL contracts.”

“Tiger Mom” Erupts in LSU Fan Brawl While Coastal Coaches Ejected in CWS Chaos

A newly added provision in General Statute 132-1.2 formalized a significant change. Specifically, Part VIII of the bill introduces a “Public Records Exemption for Certain Name, Image, and Likeness Contracts,” meaning certain NIL agreements are now officially protected from public disclosure.

Under the confidential information section, the law states: “Nothing in this Chapter shall be construed to require it authorize a public agency or its subdivision to disclose any information that: Reveals records related to a student athlete’s name, image, and likeness contract.” This change means that the public, the media, and even oversight agencies will no longer have access to information on how NIL funds are managed or distributed at state-funded institutions.

What is even more surprising is that the exemption applies retroactively. Lawmakers inserted this modification just two months after the bill was initially introduced-catching even legal experts off guard. David McKenzie, a local attorney who specializes in First Amendment and Intellectual Property law, did not hold back in sharing his perspective: “It’s a way to erode the public records law to death,” he told a local newspaper.

His primary concern lies in the inconsistency: while coaching salaries and compensation for other state employees remain public, NIL earnings-often backed by donors or university collectives-now vanish into an informational “black hole.” McKenzie added, “I don’t think this is a situation where FERPA [Family Educational Rights and Privacy Act] applies.”

Further pressing the issue, McKenzie said: “It was tacked on at the last minute [and] public resources, in the form of taxpayer money, are going to find these NIL deals, either directly or indirectly.” He argued that people need access to information on agreements worth millions of dollars. The law passed unanimously in the state House, with 111 votes in favor and zero against.

It’s now crucial that athletes fully understand what they are signing. In a follow-up post, Darren Heitner added: “North Carolina is now also 1 of the few states to update its sports agent law to account for #NIL’s role in college athletics. It distinguishes a pro sports services agency contract from an NIL agency contract and requires different language in each agreement.”

According to the bill, professional sports agency contracts must include the following warnings:

  • You shall lose your eligibility to compete as a student-athlete in your sport;
  • If you have an athletic director, within 72 hours after entering into this contract, both you and your athlete agent must notify your athletic director;
  • You waive your attorney-client privilege with respect to this contract and certain information related to it; and
  • You may cancel this contract within 14 days after signing it, cancellation of this contract shall not reinstate your eligibility.

An NIL agency contract must also state: “Entering into an NIL contract that conflicts with State law or your institution’s policies may have negative consequences, such as loss of athletic eligibility. You may cancel this NIL agency contract within 14 days after signing it.”

As for agents, they are now required to:

  • Alert a student-athlete’s AD before the next game or within 72 hours of any deal;
  • Avoid giving gifts or misleading prospects;
  • Maintain five years of detailed records: names, addresses, contracts, and costs.

Everyone involved must now be prepared, with documentation in hand should it be required. Agents will face greater scrutiny, and athletes will find themselves in the middle. Who really stands to benefit from this law remains to be seen.

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NCAA Appealing Rutgers’ Jett Elad’s Five-Year Eligibility Case

The NCAA contends the U.S. Court of Appeals for the Third Circuit should avoid becoming “the first appellate court in the nation to invalidate sensible limits on how long student-athletes can play college sports” and thus should reverse a trial court’s preliminary injunction allowing 24-year-old Rutgers transfer Jett Elad to play for the Scarlet Knights […]

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The NCAA contends the U.S. Court of Appeals for the Third Circuit should avoid becoming “the first appellate court in the nation to invalidate sensible limits on how long student-athletes can play college sports” and thus should reverse a trial court’s preliminary injunction allowing 24-year-old Rutgers transfer Jett Elad to play for the Scarlet Knights this fall.

The argument was featured in a brief filed by the NCAA last Friday. The brief disputed testimony by Rutgers head football coach Greg Schiano, whose remarks about Elad’s NIL opportunities and potential NFL career were dismissed as reliant on “self-interested, non-expert [and] subjective beliefs.”

In April, U.S. District Judge Zahid N. Quraishi blocked the NCAA from disqualifying the 24-year-old Canadian safety from playing this fall. As Sportico detailed, Rutgers is Elad’s fourth college as he previously attended Ohio University, Garden City Community College (JUCO) and UNLV. Elad has already played four seasons (2021, 2022, 2023 and 2024) in five years (2019, 2021, 2022, 2023 and 2024). He is thus ineligible under the NCAA’s five-year eligibility rule, which limits athletes to four seasons of intercollegiate competition—including JUCO competition—in any one sport within a five-year window. 

If deemed eligible, Elad figures to play a prominent role for the Scarlet Knights’ defense. He’s (clearly) a seasoned player at the collegiate level. Elad is an accomplished player, too, having been a finalist for the 2024 Jon Cornish Trophy, which recognizes the top Canadian in NCAA football, and was honorable mention for the All-Mountain West Team. 

In his order, Quraishi wrote critically about the five-year rule. He described it as unreasonably restraining the labor market for players who can sign lucrative NIL deals, nowadays receive a revenue share via the House settlement and, as the judge noted, “transition into the NFL.”

Quraishi indicated Schiano’s testimony on behalf of Elad was especially persuasive. As a former NFL coach and experienced power conference coach, Schiano’s opinion that Elad is an “NFL-caliber safety” who would benefit greatly by having the chance to showcase his talents at the NFL combine was viewed as an authoritative and reliable statement about Elad’s future.

Although Elad could have declared for the 2025 NFL Draft, Schiano explained that Elad was “under the impression that he was going to be able to play another season of college football.” Elad relied, mistakenly, on the NCAA issuing a JUCO waiver policy in the wake of Vanderbilt quarterback and former JUCO transfer Diego Pavia receiving a court ruling last December to play another season this fall.

The gist of Quraishi’s injunction for Elad was that college football, at least at a power conference school, shares some features of a professional football experience and the players, while still full-time students, ought to be viewed as selling services to teams. 

In a brief authored by Kenneth L. Racowski and other attorneys from Holland & Knight, the NCAA contends Quraishi fumbled key aspects of the case. 

One alleged defect is Quraishi placing importance in Schiano’s “subjective belief that playing for Rutgers will lead to Elad being drafted by an NFL team.” The NCAA argues this testimony was “inherently speculative,” since it frames “whether scouts see him in another college season” as a determinative factor without empirical support. The NCAA adds that Schiano’s acknowledgment that an injury “would prevent Elad from being drafted” only serves to confirm “that Elad’s NFL prospects depend on numerous factors that are out of Coach Schiano’s hands.”

Another alleged weakness in the injunction is how Elad relies on the U.S. Supreme Court’s decision in NCAA v. Alston (2021). The NCAA stresses that Alston “had nothing to do with eligibility rules” and didn’t “call into question every rule that might impact commercial opportunities” for college athletes. Alston was about NCAA rules restricting education-related benefits for student athletes—not whether college athletes can sign NIL deals or eligibility rules. 

The NCAA also argues that Elad’s exclusion from playing college football doesn’t show the rule causes economic harm from a market standpoint. The rule doesn’t “reduce the number of roster spots” but instead “defines and limits” which athletes can “compete for opportunities and for how long.” The rule reflects the “zero-sum game” of team rosters, since Elad’s inclusion would mean another player isn’t on the Scarlet Knights’ roster and thus wouldn’t be able to sign NIL deals as a Rutgers player.

“Even Coach Schiano’s testimony,” the NCAA asserts, “concedes that Elad would be taking away a roster spot from another player, who will not make the Rutgers roster, and playing time from another player who would otherwise get snaps that Elad plays.”  

The NCAA also insists there are important justifications for the five-year rule, including that it is designed for college athletes in a period that “roughly corresponds to the time required to complete most college studies.” Elad’s “framework” for college sports, the NCAA charges, would permit athletes to train at JUCO, D-II and D-III “indefinitely before transferring to Division I with four full seasons remaining.” This approach would allegedly “fundamentally alter the structure of college sports” and constitute a “complete redefinition” akin to a minor league. Along those lines, the NCAA invites the Third Circuit to think about the ramifications of permitting athletes “to participate in college sports well past the time necessary for them to complete a college degree.”

Elad’s case is one of many taking place in courtrooms featuring seasoned college athletes who want to keep playing after exhausting their NCAA eligibility. As the NCAA notes, the U.S. Court of Appeals for the Seventh Circuit recently sided with the NCAA in a case brought by Wisconsin cornerback Nyzier Fourqurean to play a fifth season of college football in five years. The possibility of the Third Circuit or another federal circuit siding with an athlete invites a potential “circuit split,” meaning federal courts of appeals holding conflicting views about the same legal question, with the Seventh Circuit. Circuit splits provide a compelling reason for the U.S. Supreme Court to intervene, since otherwise the rights and obligations of Americans can vary based on which circuit their cases happen to be litigated.



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Paul Finebaum reacts to UNC, SEC rumors, makes prediction on if move will happen

Earlier last week, sources told Inside Carolina‘s Adam Smith that North Carolina could be exploring a move away from the ACC to the SEC. The Tar Heels are reportedly at the front of the pack when it comes to ACC schools looking to move, and it could happen in the near future. As is usually the case […]

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Earlier last week, sources told Inside Carolina‘s Adam Smith that North Carolina could be exploring a move away from the ACC to the SEC. The Tar Heels are reportedly at the front of the pack when it comes to ACC schools looking to move, and it could happen in the near future.

As is usually the case when it comes to anything SEC, Paul Finebaum made his opinion known on the matter. He’s not shying away from the potential of UNC in the SEC, believing that it’s more plausible than ever that the Tar Heels could join the conference.

“I think No. 1, one of the people that we talked to the other day seemed to indicate that the commissioner was involved, and I don’t speak for anyone, but I think it’s safe to know that anyone who is close to, or has been around Greg Sankey, knows this — he has not spoken, formally or informally, to anyone. That’s not how he works. That’s not how he’s going to work, especially in light of what happened a couple of years ago,” Finebaum stated, via McElroy and Cubelic in the Morning. “It sounds very much to me like people close to North Carolina are floating this out there, probably frustrated with their current position, even though the ACC is now singing Kumbaya.

“We all know that there are a lot of anxious schools there. I’ve said all that as a preamble, to say that I think ultimately it’s going to happen. I took a long way to get to it, but I think when, once we get to this next iteration, North Carolina has always been the No. 1 choice of many people in SEC circles. I think the bigger question is when exactly does it happen, and secondly, who would their drafting partner be.”

Additionally, Finebaum isn’t the only prominent SEC figure believing UNC could join the conference. Greg McElroy responded in a similar vein, thinking that the hire of Bill Belichick is signaling something in the works for the Tar Heels.

“It kind of checks out, Paul. Every single time a team hires a superstar head coach, they seem to be on the move. Colorado is an example. A splashy head coach, they seem to be on the move. Texas hiring Sarkisian. These are not really that uncommon,” McElroy explained. “You can kind of connect the dots back. Bill Belichick now being at North Carolina makes you feel like, you know what, there might be something to this.”

For now, Bill Belichick and North Carolina will focus on the ACC, but in the future? The Tar Heels could be on the move to the SEC, and that would certainly shake up the college sports landscape in more ways than one. We’ll see if where there’s smoke, there’s fire.



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AJ Dybantsa Leaves a Short Message for Caitlin Clark During BYU Practice

In the middle of ongoing speculation about athletes’ loyalty to brands and their willingness to express themselves, BYU’s number one recruit, AJ Dybantsa from the 2025 class, unexpectedly delivered a brief but meaningful shout-out to WNBA star Caitlin Clark. The gesture offers a glimpse into how young athletes navigate endorsement deals while showing respect for […]

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AJ Dybantsa Leaves a Short Message for Caitlin Clark During BYU Practice

In the middle of ongoing speculation about athletes’ loyalty to brands and their willingness to express themselves, BYU’s number one recruit, AJ Dybantsa from the 2025 class, unexpectedly delivered a brief but meaningful shout-out to WNBA star Caitlin Clark. The gesture offers a glimpse into how young athletes navigate endorsement deals while showing respect for peers across different sports.

Why Did AJ Dybantsa Tag Caitlin Clark in His Nike Shoes Post?

During a practice session, Dybantsa posted an Instagram story showing him lacing up Clark’s signature Nike sneakers and tagged @CaitlinClark with fire emojis. The image featured him sporting the shoes courtside at the Marriott Center, creating buzz among fans of both basketball programs.

AJ Dybantsa (credits: @aj.dybantsa/ Instagram)
AJ Dybantsa (credits: @aj.dybantsa/ Instagram)

This moment highlights the mutual respect between rising stars in college basketball and established WNBA talent. Dybantsa’s choice to showcase Clark’s signature shoes while tagging her demonstrates the cross-sport admiration that exists among elite athletes.

Dybantsa’s recent performances have been quite notable on the court. At the Grind Session World Championship, he scored 14 points to lead Utah Prep to a commanding 80-57 win over The Fort, demonstrating both his scoring ability and his reach as a wing player.

Beyond national borders, Dybantsa dominated at the FIBA U19 World Cup, grabbing MVP honors after delivering 14.3 points, 4.1 rebounds, 2.3 assists, and 1.1 steals per game when Team USA took gold in Switzerland. His international success has only added to the excitement surrounding his upcoming college career.

How Do Dybantsa’s Endorsement Deals Complicate Brand Loyalty?

Off the court, Dybantsa has faced NIL endorsement questions that have sparked fresh discussion about athlete brand relationships. Though he signed a reported $4 million deal with Nike, he was spotted with New Balance gear, similar to Cooper Flagg’s choice, sparking debate over brand loyalty in college basketball.

Fans noticed his full New Balance kit during a photo with Dylan Harper at Summer League, despite Nike providing him with personalized GT Future P.E. sneakers and a custom ‘AJ’ logo. The contrast between his Nike contract and his New Balance appearances has created intrigue about how modern endorsement deals actually work.

The situation became more interesting when Dybantsa threw out the first pitch for his hometown Boston Red Sox wearing New Balance 1906 sneakers. This connection to Boston-based New Balance, which also recently signed Flagg, has created additional speculation around athlete endorsement strategies in the NIL era.

The shoe situation reveals the evolving nature of athlete endorsements, where what’s required on the court and what athletes prefer off the court can differ significantly. College basketball fans had varied reactions to these developments.

As Dybantsa prepares to start his first season at BYU with Coach Kevin Young, moments like tagging Clark in her shoes provide a brief glimpse into his personality and his admiration for other stars. The gesture shows how today’s athletes connect across sport boundaries while navigating the complex world of brand partnerships and personal expression.

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My Turn

President Donald Trump hosts Florida’s NCAA champion men’s basketball team in May in the East Room at the White House in Washington, D.C. Yuri Gripas/Abaca Press/TNS The executive order signed last week by President Donald Trump — titled “Saving College Sports” — harms college sports. It will add more uncertainty by generating more lawsuits. But […]

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My Turn








Trump with Gators

President Donald Trump hosts Florida’s NCAA champion men’s basketball team in May in the East Room at the White House in Washington, D.C.




The executive order signed last week by President Donald Trump — titled “Saving College Sports” — harms college sports. It will add more uncertainty by generating more lawsuits.

But first, let’s consider its good points.

The order states that “the inability to maintain reasonable rules and guardrails is a mortal threat to most college sports.”

To this point, the order adds: “As a result, players at some universities will receive more than $50 million per year, mostly for the revenue-generating sports like football. … By the 2025 season, football players at one university will reportedly be paid $35-40 million, with revenue-sharing included.”

Yes, that is a serious problem stemming from the House v. NCAA settlement.

The order also takes direct aim at the power conferences:







Michael LeRoy

Michael LeRoy




“This not only reduces competition and parity by creating an oligarchy of teams that can simply buy the best players — including the best players from less-wealthy programs at the end of each season — but the imperative that university donors must devote ever-escalating resources to compete in the revenue-generating sports like football and basketball siphons away the resources necessary to support the panoply of non-revenue sports.

“Absent guardrails to stop the madness and ensure a reasonable, balanced use of resources across collegiate athletic programs that preserves their educational and developmental benefits, many college sports will soon cease to exist.”

All of this is true.

But the order misidentifies “litigation” as the source of this problem.

In other words, the problem is lawsuits by athletes that seek a bigger share of the wealth they generate for millionaire coaches and athletic directors: “Waves of recent litigation against collegiate athletics’ governing rules have eliminated limits on athlete compensation, pay-for-play recruiting inducements, and transfers between universities, unleashing a sea change that threatens the viability of college sports.”

The order’s primary solution appears in Section 4, titled, “Legal Protections for College Athletics from Lawsuits.”

It says: “The Attorney General and the Chairman of the Federal Trade Commission shall work to stabilize and preserve college athletics through litigation, guidelines, policies or other actions, as appropriate, by protecting the rights and interests of student-athletes and the long-term availability of collegiate athletic scholarships and opportunities when such elements are unreasonably challenged under antitrust or other legal theories.”

What do “other legal theories” mean?

It could apply to this hypothetical situation.

A Big Ten basketball player ruptures his Achilles tendon in the first game of the season. He has signed an name, image and likeness deal worth $1 million, but he’ll be out the rest of the year.

The Big Ten form contract allows a school to adjust NIL pay. It doesn’t put any conditions on these adjustments.

Let’s say the school cuts the athlete’s pay to $100,000, claiming his NIL value dropped. The athlete sues the school for breach of contract, fraudulent inducement and breach of a duty of good faith and fair dealing.

This is a basic contract lawsuit.

Will the executive order limit this athlete’s access to the legal system by substituting a school’s dispute resolution process for a lawsuit?

My current research suggests that this is possible. We will see when the Department of Justice issues its guidelines.

Ironically, this order will launch more lawsuits.

For example: Is the executive order constitutional? Likely not.

Bloomberg reported that courts had entered over 200 orders to stop the administration’s actions in 128 cases through May 1. Courts allowed executive actions to proceed in 43 cases.

And let’s not forget that the Supreme Court voted 9-0 against the NCAA in the Alston case, which challenged the NCAA’s restrictions on student-athlete compensation. The justices are on the side of athletes, not NCAA power brokers who hoard the wealth in their fat-cat employment contracts.

The Sports Agent Responsibility and Trust Act regulates sports agents to protect college athletes from agent fraud. But the act has no NIL regulations.

Big Ten, beware

An executive order is valid insofar as it executes specific legislation.

In this case, there is no federal legislation for NIL, nor limits on pay to play, so there is nothing for the president to execute. So the order usurps legislative power that is reserved for Congress.

But the order poses deeper problems.

First, it adds new financial burdens to schools by directing more athletic scholarships for Olympic and women’s sports.

Second, it intends to limit player mobility in the transfer portal. This will create more market-rigging harm for athletes.

Thus, more lawsuits are likely.

Some lawsuits will seek to clarify how the House v. NCAA antitrust settlement works in this unexpected setting.

Schools might challenge their new financial obligations when they cannot pay for them.

Athletes will likely sue to overturn unconstitutional limits on how they are paid for NIL.

Third, the order contains an ominous hint at the use of “federal funding decisions” to enforce its terms.

The president has withdrawn federal funds to bludgeon elite universities into submission. He has withheld billions of dollars in committed research grants.

Now, he is taking aim at athletic programs who form an “oligarchy of teams that can simply buy the best players.”

This targets every Big Ten and SEC school.

Comply — or else

The New York Times reported an unnamed athletic director’s reaction: “That part definitely caught my attention. Tying compliance to federal funding creates a big stick, especially for public institutions. After everything higher ed has navigated from D.C. this year, this just adds another layer of political and operational uncertainty.”

Elite athletic schools face a dilemma.

The federal government is creating a centrally planned and controlled market for scholarship and NIL opportunities to make lower-tier football and basketball programs competitive with bigger schools.

Elite schools must comply at the risk of losing federal funds — unspecified in amounts but likely to be large — while curbing their pay-for-play NIL recruiting advantage.

Even critics of the House v. NCAA settlement and the SCORE Act — a bill supported by the NCAA to further regulate NIL pay — recognize that judicial and legislative procedures are legitimate tools for addressing the competing economic interests of the NCAA, power-conference schools and athletes.

Rule by executive order disenfranchises all the stakeholders in college athletics.

Regulating college athletics in the executive branch — at the expense of a negotiated settlement of a lawsuit and a bill before Congress — moves the goalposts for governing college athletics outside the stadium, beyond the reach of university presidents, chancellors and athletic directors, and into the White House.

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How Kentucky Football Won the Offseason

When Mark Stoops sat in front of the podium at Kroger Field for the first time ahead of the 2025 Kentucky football season, he shared an offseason anecdote that would be unremarkable in most instances. During this offseason, every small detail matters. For the first time in 13 years, the strength and conditioning staff reported […]

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When Mark Stoops sat in front of the podium at Kroger Field for the first time ahead of the 2025 Kentucky football season, he shared an offseason anecdote that would be unremarkable in most instances. During this offseason, every small detail matters.

For the first time in 13 years, the strength and conditioning staff reported to the head coach that they had 100% participation in summer workouts. There was just one exception.

“We had a situation where a freshman was late a couple times, and his unit grabbed him, straightened it out, and got them right back on track,” Stoops said.

That’s not nothing. As Kentucky’s 2024 season spiraled, we heard whispers about cracks in the culture. There was a void in leadership and accountability.

This anecdote does not mean all of Kentucky’s problems have been solved. You can keep the “Mission Accomplished” banner in the closet a little longer. However, this is one small sign that this program is taking a step in the right direction.

Kentucky Stacked Up Winning Days in the Weight Room

Every offseason is dedicated to getting bigger, faster, and stronger. This applies in every sport. If you got a nickel for every time a professional athlete said ahead of a season, “I’m in the best shape of my life,” you could fully fund your 401(k).

Kentucky amplified the urgency in the locker room this offseason, in part because of the injuries that depleted the team’s depth in the trenches last fall. Mark Stoops’ best teams have been some of the most physical teams in the SEC. You can’t get that by snapping your fingers on Saturdays. It can only be done by putting in the work every single day. Mark Stoops set out to accomplish that by challenging his staff to demand more from the players.

“Our strength and conditioning team, I really challenged them because they are amazing. They’ve done a remarkable job for a long time, and they have my full trust,” said Stoops.

“But I did challenge them because we need to be bigger, we need to be stronger, we need to be more athletic. We need a lot of things, and so there was a lot of pressure put on them, and they’ve really delivered. Now, it’s up to us and our (coaching) staff to make sure that we have a great camp,” said Stoops.

Entering his 13th season in Lexington, Mark Stoops isn’t putting his head in the sand. He knows his program fell well short of expectations a year ago. In order to create a successful team, he did what we knows works, go to work.

Kentucky fans get tired of hearing that their coach is, “Going to get back to work.” But that’s who he is. He couldn’t try to be a Shane Beamer and run PR for his program all offseason. Instead, he went back to the well and built a team in his identity.

“It’s been very quiet. Guys have put their head down, have worked extremely hard,” he said. “They’ve been remarkable. You could see that with their strength, with their size, and their commitment to each other. The fact that we’ve been so consistent this summer says a lot about them.”

If you do the little things right every day, the big things aren’t so hard. This Kentucky football team has a monumental task ahead. They did the little things the right way to set themselves up for success in 2025.



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MAC upsets are a treasured college football tradition. Will they go extinct in the new era?

DETROIT — Like a No. 14 seed beating a No. 3 seed in March, a team from the Mid-American Conference knocking off one of college football’s big spenders is the kind of upset that captivates an entire sport. One of those indelible upsets happened last season when Northern Illinois stunned fifth-ranked Notre Dame in South […]

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DETROIT — Like a No. 14 seed beating a No. 3 seed in March, a team from the Mid-American Conference knocking off one of college football’s big spenders is the kind of upset that captivates an entire sport.

One of those indelible upsets happened last season when Northern Illinois stunned fifth-ranked Notre Dame in South Bend. NIU’s victory, shocking at the time, became even more mind-bending as Notre Dame reeled off 13 consecutive victories on its way to the championship game of the College Football Playoff.

The formula for these massive upsets hasn’t changed, but the 2025 season could bring a new wrinkle: the first underdog to upset a team with a $30 million payroll. NIU’s Thomas Hammock has a few words of advice for whichever lucky coach finds himself in that position.

“I should have taken more time to enjoy it,” Hammock said. “That’s a regret that I have, because I did not enjoy it personally. I was on to the next opponent. As I reflect, I’m proud of the accomplishment. We don’t have a big NIL budget. We don’t have all these extra things that most people have. We came together and found a way to get it done.”

The approval of the House settlement and the arrival of revenue sharing reinforced an age-old divide between the upper echelon of college football and teams in the middle class. The bluebloods have always had bigger budgets, nicer facilities, larger staffs and more talented rosters. Now they’ll have bigger payrolls, too, measured not just in third-party NIL deals but also in direct payments from schools to the players.

The big schools will pay out the full $20.5 million allowed under the settlement terms, with the lion’s share going to football players. Smaller schools are likely to distribute a fraction of that. If that means programs in the MAC are at a disadvantage, well, what else is new?

“When I was a little kid, Texas still had advantages, and Michigan and Ohio State,” Miami (Ohio) coach Chuck Martin said. “There’s always been a gap. The difference between Michigan and Purdue is a gap. Is it probably getting wider? Yeah, but there’s always been the haves and the have-nots.”

The Big Ten’s September schedule features a heavy rotation of MAC opponents. Those games are typically lopsided, which makes the occasional upset — Toledo over Michigan in 2008, Eastern Michigan over Illinois in 2019, Bowling Green over Minnesota in 2021 — even more special.

Those MAC matchups will be played as long as Big Ten teams need home games to pad their nonconference schedules. The long-term question is whether the forces unleashed by the House settlement will bring these schools closer together or push them further apart.

MAC commissioner Jon Steinbrecher suggested the arrival of revenue sharing might give bigger schools a taste of the tight margins that MAC programs know all too well. A wave of belt-tightening has already hit Power 4 programs as they trim staff and look for alternative funding sources to offset the millions that will be paid out to athletes.

“Given the new system we’re moving into, I think the pressures will be even higher at the upper level of the food chain,” Steinbrecher said. “I think they’re going to have very similar issues to what we will have.”

The best course of action, Steinbrecher said, is for the 10 FBS conferences to work together. The alternative scenario is that these new pressures drive the Power 4 conferences — and the two behemoths, the Big Ten and the SEC — to distance themselves from the smaller leagues further.

The implementation of the House settlement has been marked by clashes between collectives and the newly formed College Sports Commission, which is responsible for vetting NIL deals to prevent boosters from pouring unlimited money into the rosters of their favorite teams. President Donald Trump has also weighed in, issuing an executive order that aims to rein in a system that “reduces competition and parity by creating an oligarchy of teams that can simply buy the best players.”

In theory, MAC programs would stand to benefit if new rules make it harder for programs to lure the best Group of 5 players into the transfer portal with lucrative NIL offers. But coaches in the MAC understand the reality: If a big school wants one of their players, there’s only so much they can do.

“The boys that want to pay, they’ll just go back to cheating,” Martin said. “We’ll go full circle, from ‘This is going to legalize it’ to now we’re hampering them and they want to do more. So let’s just go back to showing up in a Speedway parking lot with a bag.”

Martin caused a stir last August when he said Alabama “stole” Miami’s kicker, alluding to the way Power 4 programs recruit players from the rosters of smaller schools. Martin was amused by the reaction to those comments, as he merely said aloud what everyone in the sport already knows.

Programs employ staffers who analyze the rosters of every MAC program and identify the players who might be good enough to play at a higher level. Martin got a reminder of that when he called a friend at a bigger school and realized his friend knew Miami’s personnel almost as well as he did.

“I had trouble last year when I said Alabama stole our kicker,” Martin said. “It wasn’t (just) Alabama. I got a receiver stolen by Texas Tech. That’s what’s going on. ‘Tampering’ is such a nice term for stealing our players.”

With so many advantages, Power 4 programs have no excuses for losing to a team from the MAC. The money being spent on roster building means more pressure on coaches and players to avoid these unsightly upsets and, in all likelihood, more backlash when a $30 million team loses to a team with a payroll closer to $1 million.

And make no mistake, it’s going to happen. Precise payroll numbers are difficult to pin down, but there are plenty of early-season opportunities for a MAC team to score a Big Ten upset. Miami opens the season with games at Wisconsin and Rutgers, Ball State opens at Purdue, and Northern Illinois plays at Maryland in Week 2. If you want to dream big, Central Michigan plays Michigan in Week 3, and Ohio plays at Rutgers and Ohio State in the first three weeks of the season.

By the numbers, Big Ten teams should win all of those games. But no matter how much they’re being paid, college athletes are never going to be as consistent as NFL players, Hammock said. All the money in the world can’t eliminate the distractions, pressures, and lapses in focus that, on a particular day, could allow a MAC team to shock the world.

“I don’t think fans understand that,” Hammock said. “They think, ‘If I throw more money at something, it’s going to be successful.’ That’s not how life works. That’s not how the game of football works. I think you’re going to continue to see upsets like you do (now), and you’re going to continue to see teams pay a lot of money for a roster and implode because they’re not prepared to deal with adversity.”

Hammock’s advice to any coach who shocks the world is to take a moment to soak it in. Life moves fast, and last year’s Northern Illinois team was a prime example. The Huskies lost four of their next six games after beating Notre Dame, then rallied for an 8-5 finish and a bowl victory against Fresno State. In early January, NIU announced it would leave the MAC after the 2025 season and take its football program to the Mountain West.

For programs with tight margins, every extra dollar helps.

“It is bittersweet, because I was a MAC player,” said Hammock, a former NIU running back. “I grew up in this conference. I love this conference. This conference helped mold and develop me. I think the world of the MAC, but as the landscape continues to change and evolve, you have to figure out a way to constantly move forward.”

(Photo: Matt Cashore / Imagn Images)



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