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She is the daughter of Nancy and Frank DeCosta. She was born in and grew up in Warwick, Rhode Island, and is Jewish. She is an alumna of Toll Gate High School, where she played goalie on the boys' hockey team. DeCosta is married, and the couple has three children.
She attended Providence College ('00), where she was a hockey goalie, and allowed only 177 goals with 2,324 saves in 85 games. She graduated with a degree in social science, with concentrations in sociology and psychology.
She won a gold medal at the 1998 Winter Olympics (she had three wins, one a shutout, with a 1.59 goals-against average and a .875 save percentage) and a silver medal at the 2002 Winter Olympics, where she had the best goals-against average and save percentage.
She won a World Championship silver medal in 2000, had the best GAA (0.50) and the best SVS% (.975) at the 2001 World Championship where she again won a silver medal, and had the best GAA (1.00) and the best SVS% (.948) at the 2002 World Championship where she again won a silver medal.
DeCosta was USA Hockey Women's Player of the Year in 2000. In 2002–03, she was a volunteer coach for the women's hockey team at Providence. She was the goaltending coach for the Harvard Crimson women's ice hockey team in 2008–09.