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Despite his accolades, Warner faced disappointment when the big colleges overlooked him. He found himself at the University of Northern Iowa, where he struggled for playing time early in his college career, even sitting on the sidelines for most of his first three years. However, Warner's perseverance paid off, and during his senior year, he finally received his chance, throwing for over 2,700 yards and securing the Gateway Conference Offensive Player of the Year title.