Crutcher is the son of Greg and Sheila Crutcher and grew up in Memphis, Tennessee. He attended Ridgeway High School. Crutcher averaged 18 points, four assists, and two steals per game as a senior. He was a three-star prospect ranked the 65th best point guard in his class. Crutcher initially committed to Chattanooga but decommitted after coach Matt McCall left to coach UMass. Crutcher signed with Dayton after coach Anthony Grant needed a point guard at the last minute. Crutcher was also recruited by Murray State.
College career
As a freshman, Crutcher started 22 games and averaged 9.2 points, 3.1 rebounds, and 4.4 assists per game on a team that finished 14–17. Crutcher was named to the Atlantic 10 All-Rookie Team. As a sophomore, Crutcher was third on the team in scoring with 13.2 points per game and second in the Atlantic 10 in assists with 5.7 per game, in addition to his 3.1 rebounds per game. Crutcher helped the team finish with a 21–12 record and reach the NIT semifinals and he was named team MVP. He was also named to the Third Team All-Atlantic 10. Crutcher hit a three-pointer with seconds left against Kansas in the final of the 2019 Maui Invitational Tournament to force overtime. He scored 12 points total in the 90–84 overtime loss. Crutcher missed a game against Grambling State on December 23 with a concussion. On January 17, 2020, Crutcher scored 21 points and hit the game-winning three-pointer at the buzzer to defeat Saint Louis 78–76 in overtime. Crutcher scored a career-high 24 points and also had eight rebounds and seven assists on January 25, in a 87–79 win over Richmond. He became the first Dayton player to be named Atlantic 10 player of the week on back-to-back weeks on January 27. On January 30, he had 18 points in a 73–69 win against Duquesne and surpassed the 1,000 point threshold. At the end of the regular season Crutcher was named First Team All-Atlantic 10. Crutcher led Dayton in minutes per game, assists per game three-pointers, three-point percentage and free throw percentage, and was second to roommate Obi Toppin in scoring. After the season, Crutcher declared for the 2020 NBA draft.