Sometime in late Feb. Muffett was interviewed on TV and made an off-handed comment that this has been a long season and was draining. IMO there were some strained relationships (players, coaches) with Reimer being the most obvious one. Some possibilities--LLoyd was honest about staying and then changed her mind--but did not want Muffettt or anyone else trying to "convince her to stay."
From Lloyd's perspective she was feeling the heavy pressure. She did not come through for the second final in a row. It was getting old and next years climb seemed overwhelming. She had enough. Also, college athletes are under the thumb of coaches and administrators. Curfews, no twitter, required study hall, etc. All this plus not counting all the training, lifting, and film study; above and beyond the practices and travel. Getting big $$ for a scholarship doesn't cover the pressure, stress, and EXTRA work a student athlete has to endure. IMHO Jewel had enough and wanted out. She wanted freedom to do other things, go when and wherever, stay out late, be with others, etc. Money is obviously part of the picture, but only part of it.
My younger son was in his 3rd year at Penn State and I mentioned that he would probably do the 5 year college thing like his older brother. You know, get that one year more of FUN. I was surprised when he shot back at me--no way, I want to get out and move on. I think Jewel had enough of ND, the pressure, and controlled environment. But what do I know.