How Women's College Soccer Scholarships Work | RosterWise™

The biggest difference: women’s soccer was a “head count” sport

Before the House settlement, the most important thing to understand about women’s D1 soccer scholarships was the distinction between head count and equivalency sports.

• Head count sports (women’s soccer, women’s basketball, women’s volleyball, among others): each scholarship awarded was a full scholarship. A coach could not split a scholarship between two players. The program had a fixed number of full rides — 14 in women’s soccer — and that was it.
• Equivalency sports (men’s soccer, baseball, softball, and many others): coaches could divide the scholarship total into partial awards. A program with 9.9 equivalency scholarships might give one player 50%, another 75%, and so on.

This distinction meant that pre-settlement D1 women’s soccer players who received an athletic scholarship received a full scholarship — covering tuition, room, board, and fees. But it also meant only 14 players on a typical roster of 28-32 received any athletic aid at all. The remaining players were walk-ons receiving no athletic scholarship.

The House settlement has changed this structure for opt-in schools, as described below.

D1 women’s soccer: the House settlement era

The House v. NCAA settlement, approved in June 2025, fundamentally changed how D1 women’s soccer scholarships work for schools that opted in.

What changed

Before the settlement: D1 women’s soccer had 14 head count scholarships. Each was a full scholarship. Programs typically carried 28-32 players: 14 on full scholarship and the rest as walk-ons with no athletic aid.

After the settlement (opt-in schools): The head count model is gone. Schools that opted in may award athletic scholarships up to their roster limit of 28 players, with no requirement that each scholarship be a full award. In theory, a program could distribute scholarship money across all 28 roster spots. In practice, how programs handle this transition varies — some may still offer a mix of full and partial awards, while others may experiment with different distribution models.

What this means for families

The shift from head count to roster-limit-based aid creates new questions:

• More players may receive some athletic aid. Instead of 14 full scholarships and 14 walk-ons, programs might distribute aid to 20+ players at varying levels.
• Full scholarships may become less common at some programs. If a program spreads its budget across more players, individual awards may be smaller than the old full-ride model.
• Walk-on opportunities are reduced. A 28-player roster limit means fewer total roster spots than many programs historically carried.
• The landscape is still evolving. Programs are adapting their financial models in real time. What a program offered in 2024 may not reflect what it offers in 2026.

What hasn’t changed

• Scholarships are still awarded one year at a time and must be renewed annually. Multi-year scholarship guarantees exist at some programs but are not universal.
• Coaches still have discretion over how scholarship dollars are allocated across the roster.
• Academic scholarships, need-based aid, and other institutional aid can stack on top of athletic aid — but there may be limits on total aid that vary by institution.

What families should ask

Because the settlement is still being implemented and schools made different choices about opting in, families should ask each program directly:

• Has your school opted into the House settlement?
• What does that mean for women’s soccer scholarship allocation at your program specifically?
• Are you still awarding full scholarships, or distributing aid differently?
• How many of your 28 roster spots are expected to carry athletic aid?

Honest caveat: There is no comprehensive public database of which specific women’s soccer programs opted in. Power conference schools (SEC, Big Ten, ACC, Big 12) opted in at the institutional level. Other D1 schools made individual decisions. The only reliable way to know is to ask the program.

D2 women’s soccer: the equivalency model

D2 women’s soccer operates under the equivalency scholarship model.

• 9.9 full-scholarship equivalents per program
• Coaches divide these across the roster — partial scholarships are the norm
• D2 rosters are often 25-35 players, meaning the average athletic aid per player is modest
• D2 schools also offer academic and need-based aid that can supplement athletic awards

Realistic expectations: A D2 women’s soccer scholarship offer might cover 20-50% of the cost of attendance. Full-ride offers exist but are uncommon. Many D2 families combine athletic aid with academic scholarships, need-based grants, and other institutional aid to build a workable financial package.

D3 women’s soccer: no athletic scholarships

This is the most important thing to understand about D3: Division III schools do not offer athletic scholarships. Period. This is a philosophical position, not a limitation — D3 schools choose to participate in a model where athletics and academics are separated in the financial aid process.

What D3 does offer:

• Need-based financial aid that can be substantial (many D3 schools are well-endowed private institutions)
• Academic merit scholarships based on grades, test scores, and other achievements
• Institutional grants and awards unrelated to athletics

What this means in practice: Many families find that a D3 financial aid package — especially at a well-endowed private school — is comparable to or better than a D1 or D2 partial athletic scholarship when all aid sources are combined. The total out-of-pocket cost at a D3 school can be lower than at a state university offering a modest athletic scholarship.

Coaches’ role in D3 aid: D3 coaches cannot directly award financial aid. However, coaches can and do advocate for recruits in the admissions and financial aid process. A coach who wants a player on the roster may flag that student’s application for favorable review. This “support” is real but not guaranteed to produce a specific dollar amount.

D3 is not a consolation prize. Many D3 women’s soccer programs are highly competitive, and the student-athlete experience — smaller classes, closer faculty relationships, genuine integration of athletics and academics — is a deliberate choice for many families.

NAIA women’s soccer: up to 12 scholarships

NAIA programs may award up to 12 athletic scholarships for women’s soccer. With typical rosters of 25-30 players, partial scholarships are common, but the ratio of scholarship dollars to roster spots can be more favorable than D2.

What families should understand about NAIA:

• NAIA scholarship offers can be competitive with D2 offers and, in some cases, with D1 offers
• NAIA schools are often smaller private institutions with additional academic and need-based aid
• NAIA recruiting runs later and more flexibly than NCAA D1 — opportunities may be available well into senior year
• NAIA is its own governing body, separate from the NCAA, with different rules and eligibility requirements

How scholarship offers actually work

Regardless of division, here’s what typically happens:

1. Verbal offer: A coach communicates a scholarship amount (or percentage of cost of attendance) during the recruiting process. Verbal offers are not binding for either party.

2. Written Offer of Athletics Aid: The formal document (which replaced the National Letter of Intent in 2024) that specifies the scholarship amount and terms. This is binding once signed.

3. Financial aid package: The school’s financial aid office assembles a total package that may include athletic aid, academic merit aid, need-based grants, federal aid, and loans. The athletic scholarship is one component.

4. Annual renewal: Athletic scholarships are typically awarded for one academic year. Renewal is expected but not automatic — it depends on the player’s standing with the program, academic eligibility, and institutional policy.

Questions families should ask about any scholarship offer

• What is the total cost of attendance at this school?
• What percentage of the cost of attendance does this athletic scholarship cover?
• What additional aid (academic, need-based, institutional) am I eligible for?
• Is this scholarship guaranteed for multiple years, or renewed annually?
• Under what circumstances could this scholarship be reduced or not renewed?
• What happens to my scholarship if I’m injured?
• Does the school’s opt-in status under the House settlement affect my offer?

The financial picture beyond athletic scholarships

Athletic scholarships are important, but they’re not the only financial lever. Families navigating women’s college soccer should consider:

• Academic scholarships: Many schools offer merit-based awards that have nothing to do with athletics. A strong academic profile can meaningfully reduce cost of attendance.
• Need-based aid: Filing the FAFSA (and CSS Profile where required) is essential. Many families are surprised by the need-based aid available, especially at private institutions.
• Cost of attendance varies enormously: A 50% scholarship at a $30,000/year public university produces a different out-of-pocket cost than a 25% scholarship at a $65,000/year private school that also offers $25,000 in need-based aid.
• The five-year model: Some women’s soccer players take five years to graduate (due to redshirt years, academic loads balanced with athletics, etc.). Factor this into total cost calculations.

Realistic expectations for families

Every family’s situation is different, and scholarship outcomes vary enormously based on the player’s ability, the programs they’re talking to, their academic profile, and their financial circumstances. That said, some general patterns:

• At opt-in D1 programs, the old model of 14 full rides is evolving. Some players may receive full scholarships; others may receive partial awards. The system is new and still being sorted out.
• At non-opt-in D1 programs, the 14 head count scholarships remain in effect — full scholarships for those who receive them, nothing for walk-ons.
• D2 players should expect partial athletic scholarships in most cases.
• D3 players will receive no athletic scholarship and should evaluate the total financial aid package.
• NAIA players may receive competitive athletic aid, especially at schools that prioritize women’s soccer.

The best financial outcome usually comes from finding the right fit — a program that genuinely wants the player, at a school that meets the family’s academic and financial needs. Chasing the highest scholarship offer without considering fit often leads to transfers, which reset the financial and athletic clock.

Men’s recruiting works differently

Men’s college soccer has different scholarship rules — men’s was an equivalency sport (9.9 scholarships) before the settlement, not head count. If you’re navigating men’s recruiting, here’s the men’s version.