I agree on the "circus" comment. IMHO all the big players know how to play the game. What's that saying....."don't hate the player, hate the game."
Can parents get loans based off of expected future earning potential of their son while he is still in high school or college? I don't know, but I would suspect for the right interest rate it's very possible.
If players can get insurance based on their possible future professional earnings while in college, I am sure they can get a loan. The entity giving the loan gets interest money out of it, win win.