People probably don’t realize, but D3 is the most likely destination for marginal D1 level kids that don’t get a D1 offer. Unlike 20 years ago, there are very few D2 programs these days. Most schools upgraded or dropped to D3. As a result, there are many very good players in D3, and a significant number go overseas to play pro ball. As far as cost, D3 players get scholarships and grants based on academic criteria or need. I can tell you from personal experience, they will find any way to give you an academic scholarship they can if they want you there. You do not need to qualify for financial aid either, the offer shows up in the mail with no financial aid application even being completed in many cases.