As a lawyer, I think this article (and Talty's saying the same thing) are wrong.
The NCAA isn't banning Instagram. It's saying "a photograph that has been altered or staged
for a recruiting purpose cannot be sent to a prospective student-athlete."
You can alter the color of the photo to make it look better (which is mostly what Instagram does). Or you can alter the photo to make it a different photo (which is what you would use Photoshop or other to use). If you'll notice, the question mentions only "enhancing the content of the photo", which would include both of these instances. However, the NCAA's answer limits itself to only those instances where the change is made "for a recruiting purpose". That would only apply to the Photoshop (because what recruiting purpose would be served by changing a picture to black and white, color, or adding a frame-type border?).
So changing the colors to a cepia tone is fine. Photoshopping a college uniform onto a recruit's pic, and then sending it to said recruit, is not. Adding text to a photo of a college team to say "we want you" and sending it to a recruit, is not.The guy on athleticscholarships.net is on the right track.
http://www.athleticscholarships.net/2012/10/10/ncaa-bans-instagram-filters.htm