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NCAA Commitments: Verbal and Official Signing

The difference between verbal commitments and binding financial aid agreements

Maria Rezhylo avatar
Written by Maria Rezhylo
Updated this week

When you're being recruited by college coaches, you'll hear terms like "verbal commitment," "official commitment," and references to signing agreements.

Understanding these different stages of the commitment process is critical, especially with recent major changes to NCAA rules. This guide explains what each term means, when they happen, and what makes a commitment binding.

🗣️ What is a Verbal Commitment?

A verbal commitment (also called a verbal offer) is when a student-athlete verbally agrees to attend a college and play for their program before signing any official paperwork. This can happen over the phone, during a campus visit, or through any conversation with a coach.

Key characteristics of verbal commitments:

Not binding

  • Neither the athlete nor the school is legally obligated to follow through

  • Either party can change their mind at any time

  • No penalty for backing out

Can happen anytime 📅

  • There are no NCAA rules about when athletes can verbally commit

  • Most athletes commit during their junior or senior year of high school

  • Some athletes commit earlier, especially in high-profile sports like basketball and football

Common but unofficial 📣

  • Athletes often announce verbal commitments on social media

  • High schools may celebrate these commitments

  • Schools and coaches cannot publicly comment on verbal commitments until official paperwork is signed

Why athletes make verbal commitments:

Athletes commit verbally for several reasons:

  • To secure a roster spot before the coach offers it to someone else

  • To stop the recruiting process and focus on school and their sport

  • Because a coach has given them a deadline to decide

  • To signal to other programs they are no longer available

Important warning: Some coaches extend more verbal offers than roster spots available. A verbal commitment does not guarantee you will ultimately play at that school.

📝 What is an Official Commitment?

An official commitment happens when you sign a binding financial aid agreement with a college. This is the moment when your commitment becomes real and enforceable.

Major change in October 2024: The NCAA Division I and Division II eliminated the National Letter of Intent (NLI) program after 60 years. Athletes now sign Written Offers of Athletic Aid or Athletic Financial Aid Agreements instead.

What makes it official and binding:

Legally binding

  • Once you sign, you commit to attending that school for one academic year

  • The school commits to providing the financial aid outlined in the agreement

  • This is a real legal contract between you and the institution

Ends recruiting 🛑

  • Other schools are prohibited from recruiting you once you sign

  • Coaches cannot contact you about their programs

  • Your recruiting process is officially complete

What's included in the agreement:

  • Athletic scholarships (if offered)

  • Academic scholarships

  • Merit-based aid

  • Need-based aid

  • Potentially revenue-sharing details (as new NCAA rules develop)

What replaced the National Letter of Intent:

The new Athletic Financial Aid Agreement serves the same core function as the NLI:

  • Creates a binding commitment between athlete and school

  • Guarantees financial aid for one academic year

  • Prohibits other schools from recruiting the athlete once signed

  • Uses the same signing dates as the old NLI system

🎯 Key Differences

Factor

Verbal Commitment

Official Commitment

Binding?

❌ No

✅ Yes

When can it happen?

Anytime

Only during signing periods (senior year)

Can you change your mind?

✅ Yes, no penalty

⚠️ Yes, but requires transfer process

Stops recruiting?

Informally

Yes, officially

Requires paperwork?

No

Yes—signed agreement

School obligation?

None

Must provide promised financial aid

Public announcement?

Athlete can announce

School can announce after signing

Legal contract?

No

Yes

⚠️ What Happens if You Change Your Mind?

Backing out of a verbal commitment:

✅ No official penalty

⚠️ May damage relationship with that coaching staff

⚠️ Word can spread in the coaching community

✅ Generally accepted as part of the recruiting process

✅ Simply inform the coach and do not sign the financial aid agreement

📍 Division-Specific Rules

NCAA Division III 🎓

  • Does NOT use binding financial aid agreements

  • Does NOT offer athletic scholarships

  • Athletes sign "Celebratory Signing Forms" or "Letters of Intent" that are not binding

  • Commitment becomes real when athlete is admitted and enrolls

  • No official National Signing Day, but schools often celebrate during DI signing periods

  • Transfer rules are simpler—athletes must fill out NCAA Division III Self-Release form

NAIA 🏫

  • Uses its own Letter of Intent program (separate from NCAA)

  • Binding once signed

  • Generally more flexible eligibility rules than NCAA

  • Athletes can transfer to or from NAIA schools

  • Must register with NAIA Eligibility Center

  • Check with specific NAIA institution for their signing requirements and dates

NJCAA (Junior College) 🚀

  • Uses NJCAA Letter of Intent

  • Binding for one academic year

  • Different signing periods than NCAA

  • Football signing period begins February 5

  • Athletes often use JUCO as a pathway to transfer to four-year NCAA or NAIA schools

  • Transferring from JUCO to four-year schools follows NCAA transfer rules

💡 Important Tips for Student-Athletes

Before making a verbal commitment:

✅ Consider the academic fit, not just athletics

✅ Research the coaching staff's stability and history

✅ Visit campus if possible (take unofficial visits)

✅ Discuss thoroughly with family and trusted advisors

✅ Understand you're not locked in yet—it's not binding

✅ Ask about the typical scholarship amounts and what's guaranteed

When you're ready to sign officially:

📋 Read the entire financial aid agreement carefully—every word

💰 Understand exactly what financial aid is guaranteed and for how long

📅 Know the terms: one year, renewable, or multi-year?

❓ Ask questions about academic requirements to keep the scholarship

📝 Understand what happens if you get injured

👨‍👩‍👧 Have your parents or guardians review everything with you

⚖️ Consider having a lawyer review if the amount is substantial

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