All I can point to is first hand experience from several top D1 schools and both are experiencing many more seniors now changing their mind and coming back for a 5th year. It definitely is due to poor job market or loss of employment based on what these students are saying.

I can't speak to schools with lesser budgets but you would think with all the years of excessive endowments and the amount of new building they have done that these schools would have the money. The difference is whether they are willing to spend it on women lacrosse or not I guess.