I think the SEC/ACC (and that's my home conference) are exceptions. A few weeks ago, there was a story about a player who couldn't afford to go home to his best friend's funeral--where was the Touchdown Club then?
I think there should be a stipend, if the student is on work-study and obviously can't work in-season, to make up for that so at least they can have some financial support. It's probably worse at more expensive schools. Even though only 40% of students at my school (DI, Ivy League) are on financial assistance, 75% of students work to support themselves in some form. The Ivy League prohibits athletic scholarships, so there's really not that much money to go around. I was on an athletic team my first year--many of the students, even recruits, had to quit the team because they had to work to make ends meet.