Before college football season began, the NCAA was smart enough (for once) to give collegiate athletes playing fall sports some leeway with participation.
They have the option to sit out while retaining their scholarship if they do not feel safe due to COVID-19. They also have the option to get another year of eligibility given the irregularity of this season.
We may find out this month whether or not that logic will hold for winter sports.
Sources: As the Division 1 Council prepares for a mid-October meeting in a few weeks, one major talking point to monitor is whether or not players in winter sports will receive an additional year of eligibility due to COVID-19.