Financial Literacy for NIL - International Student-Athletes Edition is the essential guide for athletes competing in the U.S. on a student visa who want to understand, protect, and maximize their Name, Image, and Likeness (NIL) opportunities-legally and smartly. Navigating NIL as an international student-athlete is uniquely complex. Between visa restrictions, cross-border banking, tax obligations in two countries, and cultural barriers, most international athletes are left in the dark or left behind. This book changes that. Written by former Division I athlete and financial educator Pat Brown, MBA, this guide delivers everything an international athlete needs to know-broken down clearly, with real-life examples, tools, and advice that you won't find anywhere else. Inside, readers will learn how to: Understand visa rules like F-1, CPT, and OPT in the context of NIL Open a U.

S. bank or investment account legally Avoid tax and immigration mistakes that could threaten their status Build a personal brand with international appeal Evaluate contracts, agents, and NIL opportunities with confidence Protect their mental health, manage peer pressure, and set boundaries Make smart money moves-even with a limited income Plan for life after college, whether they stay in the U.S. or return home This book also addresses topics rarely discussed in NIL guides: homesickness, family expectations, currency conversion, and how to balance athletics, academics, and finances across cultures. Whether you're a freshman learning the ropes or a senior navigating NIL deals, this guide equips you with tools, insights, and strategies to take control of your future. It's not just about making money-it's about making smart decisions that create options, impact, and long-term peace of mind. Financial Literacy for NIL For International Student Athletes is part of a larger series designed to educate and empower student-athletes at every stage. This edition was written just for you-because your story matters, your brand matters, and your future starts now.