State law determines what you can and can't do with NIL. Federal law hasn't caught up yet — your state is what matters.
Most athletes don't realize they're operating under state law, not NCAA policy. When there's a conflict between NCAA rules and your state's NIL law, your state law generally controls. That's meaningful — states with strong protections give athletes more flexibility than those relying solely on NCAA interim policy.
Not every state that passed a college NIL law extended those protections to high school athletes. Many states explicitly excluded high schoolers, or deferred to their state athletic association (e.g., UIL in Texas, GHSA in Georgia). If you're a high school athlete, your situation is governed by both your state law and your state's governing athletic body — and those two can conflict.