Even if you don't play football, the chances are you will someday face a career change -- "forced or not," says career counselor Zandy B. Leibowitz.

"The career decision you may have made at 18 or 22 does not have to be yours for life." Statics indicate that workers may have "a series of careers -- maybe three to five in our lifetimes."

Because many adults, says Leibowitz, are returning to school to retrain for new careers, many of the career-change or career life-planning programs are associated with community colleges and universities:

Among them: Maryland

Center for Issues in Counseling Adults, CAPS Department, University of Maryland, College Park, Md. 20742 (454-2026). Career decision-making workshops.

Transfer and Careers, Montgomery College, Community Services Office, 51 Mannakes St., Rockville, Md. 20850 (279-5188).

Prince George's Community College, Career Planning and Placement Office, 301 Largo Rd., Largo, Md. 20870 (322-0886). District

Continuing Education for Women, George Washington University, Library Suite 621, 130 H St. NW, Washington, D.C. 20051 (676-7035).

Career Placement and Planning University of the District of Columbia, 929 E St. NW, Washington, D.C. 20004 (727-2140). Virginia

Falls Church Regional Center of the University of Virginia, 400 N. Washington St., Falls Church, Va. 22046 (532-5831).

Strategy for Career Transition, Catholic University, P. O. Box 75, Washington, D.C. 20064 (635-5256). Held at Pentagon and designed for military, but open to the public.

Career Development/Education, Counseling Center, Northern Virginia Community College-Annandale, 8333 Little River Turnpike, Annandale, Va. c22003 (323-3200, 323-3209).

Counseling Services, Northern Virginia Community College-Manassas, 6901 Studley Rd., Manassas, Va. 22110 (703-368-0184, Ext. 218).