Karwoski graduated from Lewis University, in Romeoville, Ill., in 2001 with a bachelor's degree in sport management and a minor in coaching. As a four-year letterwinner at Lewis, Karwoski was named to the 2001 NFCA All-Region Team while also earning All-Tournament honors. In addition, she was a two-time team Most Valuable Player and a four-time NFCA Academic All American. In 2001, she was named Lewis' Sport Management Senior of the Year. She also played for the women's basketball team for two seasons. Karwoski earned a master's degree in sports and recreation administration from Morehead State in 2002.