I can't speak to having a collegiate athlete, but I can speak to having a college student and some of the things we learned in the process of visiting multiple college gymnastics programs and talking to coaches. My dd decided at the last minute to not do NCAA. She was all set to compete at D1 school, had registered for classes, completed orientation, had her room all planned with her roommate, etc. HER goal was always to be a college gymnast. She stuck with gymnastics all through High school even when she had no teammates her age and competed for 3 years as a solo L10 at her gym because she was intent on her dream of college gymnastics. She even paid her own way to one of the college summer camps. She took the lead in talking to coaches and handling all the recruiting. She was over the moon when she was first offered a spot on a team.
This summer she decided that she did not want to go to the school she had planned and ended up at a school which was a much better academic fit for her but does not have NCAA gymnastics- she is doing the college club gymnastics and having fun with it. She is now very happy, is pursuing a very rigorous major (which would likely not have worked with gymnastics schedule), is involved in several campus clubs and activities, she goes to all the SEC home football games AND gets enough sleep
She is exploring things like study abroad programs, co-op programs and being a summer camp counselor. Just last night she told me she doesn't know how she would have had time for gymnastics.
Some of the things we discovered on college visits and in the process of orientation-
Your class schedule is really not 'yours.' DD had to have her class schedule approved by the athletic academic advisor, and then it was locked. She was not able to change a class without going through the athletic dept and getting approval. She was not able to register for her 1st choices because of conflicts with practice times.
Some majors are not allowed- some schools won't tell you they aren't allowed, you just won't ever be able to register for the classes you need because they won't fit in the times you need them to be- Any heavy science/lab classes, nursing, etc. Also, doing co-ops, internships and study abroad programs likely won't work. Although we did find that the school do vary regarding how much they will work with a student on major.
The 20 hour limit is only for practices. You also have 'volunteer' work- at the school DD planned to go to they have a monthly volunteer project they do as a team and in addition, the teams 'support' each other - which translates into requiring to be at other sporting events- volleyball games, etc and sometimes working those events- line judge for a game, etc. And then there is conditioning, re-hab, not so voluntary workouts. When we were observing a Friday practice, we heard the coach announce that their 20 hours were up and that anyone who wanted to leave could, no one even blinked and practice went at least another hour.
College gymnastics are much more team oriented - which can be a lot of fun- and also it means that if one team member breaks rules, the whole team may be participating in the consequence.
It was very hard for my DD to make and then announce the decision not to go do NCAA gymnastics. When I think about how close she came to going through with it and making herself miserable and giving up so many other important things just because she felt obligated I am very sad. She had only verbally committed just prior to her senior year. The day she told me she had made her decision, she said, "I've decided its time to stop making all my life decisions based on gymnastics." That is going to be true for every one of our gymnasts at some point.