Luter played at Pearl River from 2018 to 2019, being named second-team all-conference as a sophomore.[3]247Sports ranked him a three-star junior college recruit and among the top 40 cornerbacks nationally, and after graduating from the school he signed with South Alabama.[4][5] He appeared in all 11 games in his first year with the team, and although he was for most of the season third-string on the depth chart, Luter was able to tie for the team lead in tackles among players at cornerback.[3][6]
Luter had a breakout year in 2021, placing third in the FBS in pass breakups while posting four interceptions and only allowing receptions on 26.7% of the passes thrown at him.[2][7]Pro Football Focus (PFF) named him a second-team All-America selection after the season.[8] As a senior in 2022, he recorded seven pass breakups and only one interception, partly attributed to being targeted less by quarterbacks.[7] Luter was invited to the 2023 Senior Bowl and finished his stint at South Alabama having only allowed catches on 45.3% of passes thrown at him, while recording 17 pass breakups and drawing only six penalties.[2][7]
During the third quarter of Super Bowl LVIII against the Kansas City Chiefs, Luter was charged with a fumble after he failed to get out of the way of a Tommy Townsend punt that struck his heel. On the very next play, the Chiefs scored and took the lead.[14][15]