The Collision of NIL Wealth and Legal Wagering
The landscape of college athletics has shifted dramatically. With the legalization of sports gambling and the rise of Name, Image, and Likeness (NIL) compensation, a volatile cocktail has been created in locker rooms across the country.
For years, the primary concern was the integrity of the game. Now, the focus is shifting toward a burgeoning mental health crisis. When athletes have access to significant sums of money—sometimes hundreds of thousands of dollars—the psychological barrier to high-stakes wagering drops.
Grab the case of Brendan Sorsby, the quarterback for Big 12 defending champion Texas Tech. Sorsby recently stepped away to seek treatment for a gambling addiction. His situation highlights the intersection of wealth and risk; Sorsby had signed a two-year NIL agreement with Cincinnati that paid him $875,000 last year, according to a lawsuit filed by the school.
Industry experts suggest that for athletes earning these amounts, losing a few thousand dollars may not sense significant, which can lead to increasingly risky financial decisions.
The Psychology of the “Refuse-to-Lose” Mindset
Why are elite college athletes particularly susceptible to compulsive gambling? The answer may lie in the very traits that make them successful on the field.
The Competitive Loop
Michelle L. Malkin, lead research scholar of the Gambling Research and Policy Initiative at East Carolina, notes that college-aged male athletes often fit the profile of a compulsive gambler. They are typically in their 20s, highly competitive, and aggressive.
The “refuse-to-lose” mentality—the drive to keep fighting when down by 20 points in the fourth quarter—translates dangerously well to gambling. This mindset creates a lower risk aversion, leading athletes to believe that if they just keep betting, the tide will eventually turn in their favor.
This psychological loop is a primary driver of addiction, turning a competitive spirit into a financial and emotional liability.
The Digital Pipeline: Mobile Betting in the Locker Room
The ease of access has fundamentally changed the nature of the problem. Gone are the days of seeking out bookies; today, the casino is in the athlete’s pocket.
NCAA data reveals that mobile online sports wagering platforms are by far the preferred vehicle for placing bets. Even as the NFL, NBA, and college basketball remain the most popular betting targets, college football follows closely behind.
This invisibility makes detection nearly impossible for coaches and administrators until a crisis occurs. The NCAA estimates that about 6,000 mostly male athletes across three divisions meet standard diagnostic criteria for problem gambling in any given year.
Redefining the NCAA’s Approach to Addiction
As the crisis grows, the governing body of college sports faces a paradox: how to punish rule-breakers while supporting those with a clinical addiction.
From Reporting to Recovery
Currently, NCAA rules require anyone working in an athletic department to report gambling activity. This creates a culture of fear that may prevent athletes from seeking help for fear of losing their eligibility.
Experts like John Holden, an associate professor of business law and ethics at Indiana, argue that the NCAA must balance the integrity of the game with the provision of resources for those struggling. There is a growing call for confidential avenues for athletes to seek help, provided they have not bet on their own teams.
Innovative programs are already emerging. East Carolina’s “Betting Blueprint” is one such example, focusing on financial wellness, identifying gambling-related harms, and teaching athletes how to recognize when gambling becomes addictive.
Future Outlook: The Path Forward
The trend suggests that gambling addiction will remain a “tip of the iceberg” issue for years to arrive. As NIL deals grow and mobile betting becomes more integrated into sports consumption, the risk factors for young male athletes will only increase.

The future of college sports may depend not on stricter prohibitions, but on a shift toward a public health model—treating gambling addiction as a medical issue rather than a purely disciplinary one.
Frequently Asked Questions
How many college athletes are gambling?
A January 2025 NCAA survey found that 21.5% of male athletes had placed at least one sports wager in the previous year. In Division I specifically, 12.6% of males reported gambling in the past year.
What are the most popular sports for college athletes to bet on?
The most popular sports for betting among these athletes are the NFL, NBA, and college basketball, followed by college football.
Does NIL money contribute to gambling problems?
Yes. Experts suggest that high NIL earnings can lead to a lack of importance placed on small losses, which can encourage riskier betting behavior.
What is the “refuse-to-lose” mentality in gambling?
It is the tendency for competitive athletes to apply their athletic persistence to gambling, believing that if they continue to bet despite losses, they will eventually “win the game” and recover their money.
Join the Conversation
Should the NCAA provide a confidential “safe harbor” for athletes to seek gambling treatment without risking their eligibility?
Share your thoughts in the comments below or subscribe to our newsletter for more deep dives into the business and ethics of college sports.
