Examples include premature deductions before April liability, payments after full debt clearance, employer enrollment in incorrect repayment schemes, or accidental deductions from temporary income spikes below annual thresholds.
Ward seeks second-year improvement following a challenging rookie campaign. The 2025 first overall pick was heavily utilized (eighth in dropbacks and pass attempts) but struggled with 5.9 yards per attempt while absorbing a league-high 55 sacks. Rarely contributing as a rusher (exceeding 12 yards only three times), he produced just one weekly fantasy finish better than 12th. Difficult rookie seasons don't necessarily doom quarterback development, and his situation improves with new playcaller Brian Daboll and enhanced supporting cast (addition Wan'Dale Robinson joins now-healthy Calvin Ridley). Increased rushing involvement would boost fantasy potential, but historical second-year quarterback breakouts make him worth late-round consideration.
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