Is there some type of loan document that says here is what you're getting and here is what you pay back on what schedule? You can't hand over $$$ and say "pay it back whenever." The NCAA doesn't have the power to subpoena you, but they can make the player ineligible until everything they need is made available.
but my thing is the proof. can they just say anyone is ineligible just because they heard a rumor and have no proof?
if someone tells the ncaa that they gave money to someone, they should have to prove it. that burden should be on them; NOT the person they say received the money. but i believe the ncaa, more times than not, will believe whoever tells the story first. and, without any due diligence of trying to find proof, will make players ineligible, or punish schools without actual proof. and, of course, there are times when they have plenty of proof, and
should punish a school or player(s), but don't. or, when they do, the punishment doesn't fit the crime...to the benefit of the "criminal".
that's why i say the larger, more powerful schools (all of those in the p5 conferences) should just say, "we're not dealing with the ncaa anymore and we're going our own way and creating our own rules/oversight committee." what the hell would the ncaa do to them? what COULD they do to them? it's not like they could arrest them, or fine them. ok yeah, they COULD fine them. but if they refuse to pay the fine, what would happen? nothing. taking their power from them means they have no power over you.
they can put a representative from each school/conference on a committee and be self-policing. draw up rules that state, without question, what the punishment will be if any of them are caught breaking the rules. and then carry out that/those punishment(s) without fail.
i.e.,
*get caught cheating? probation for 2 years, 2 year bowl ban, loss of half of your scholarships, loss of conference money for 1 year, affected players forced to sit for a season
*get caught cheating again? probation for 5 years, 5 year bowl ban, loss of 75% of your scholarships, loss of conference money for 3 years, affected players get dismissed from team and forfeit scholarship
*get caught cheating WHILE on probation? indefinite probation, indefinite bowl ban, loss of 85% of scholarships, loss of conference money for 5 years, affected players get dismissed from the school and are no longer eligible to play college sports
harsh? maybe. but sending a clear message will make the schools, teams, and players take notice and work hard at doing the right things the right way. make rules, force teams to ADHERE to those rules, and don't put up with any bullshit. the ncaa in its current form is a joke. they're so all over the board and wishy-washy that you can't really take them serious anymore.