Athletes are making money by representing and promoting businesses. Unfortunately colleges are paying athletes under this umbrella, but I fear it isn't NIL, but pay-to-play.
These days college athletes are transferring from school to school because they are offered money to play on a team. They'll leave a team where they are thriving for money, because not all schools have the same NIL budget to pay athletes. Unfortunately more money doesn't always guarantee playing time, which is what athletes need if they expect to play in the NFL or any other professional sport, potentially earning a bigger windfall.
The downfall to chasing money instead of pursuing strong academic programs, or good coaching to help increase football acumen leads to athletes falling short of gaining a degree (transferring from school-school means athletes will not have credits needed to graduate) or they lack the readiness to access the next level of play. An education appears to have better long-term positive impact on an athletes life than money they may receive in the short-term.
No one can play forever, but an education lasts a lifetime!
There is currently a lot of information out there regarding NIL. I encourage you to do more research to form your own opinion on the subject.
But I believe in recent court cases, they have sued for compensation for things like their likeness being used in video games, or other forms of payment. I'm not sure what the exact legal state is right now.
And it may vary depending on what division the school is in, how big they are in the sport, and how good a player is. Try talking to your current coach, or your college advisor at your school. They are probably more up to date on these issues.