NIL
Which undefeated college football teams have the best chance to finish unbeaten?
The last college football team to finish a season undefeated was 15-0 Michigan in 2023 on its run to the national championship.
Could there be one this year?
Only six undefeated teams remain entering Week 9 of the season after Miami, Memphis, Ole Miss and Texas Tech all took their first losses last week.
Here are the remaining unbeaten teams ranked from best to worst chance of finishing that way.
Not exactly a bold choice, sure, but there’s also no need to overthink it.
The No. 1-ranked Buckeyes have the best defense in college football (allowing an FBS-low 5.9 points per game and ranking second in yards allowed at 216.9 per game), sophomore quarterback Julian Sayin is getting better by the week (36-of-42 passing for 393 yards, 4 TDs and 0 INTs last Saturday vs. Wisconsin), and oh yeah, Ohio State won the national championship last year.
More to the point, the Buckeyes’ remaining regular-season schedule is favorable — vs. Penn State (3-4, 0-4 Big Ten), at Purdue (2-5, 0-4), vs. UCLA (3-4, 3-1), vs. Rutgers (3-4, 0-4), at Michigan (5-2, 3-1).
Yes, coach Ryan Day is just 1-4 overall against Michigan with the Wolverines winning the last four meetings — including a 13-10 loss in Columbus last year that kept Ohio State out of the Big Ten championship game.
But Day and the Buckeyes have been reminded of that for a year — that they may have won the national title but didn’t win the rivalry game — so if motivation could possibly be any higher for that game …
Also, this isn’t an elite Michigan team. Freshman quarterback Bryce Underwood is very talented, but he has his ups and downs and struggled against Oklahoma’s exceptional defense (albeit in Week 2 and his first college road game).
Let’s also be clear, though — even if Ohio State gets through those next five games unbeaten, it still has a daunting path to finish the job with a potential Big Ten championship game clash with No. 2 Indiana and then another full playoff run.
Chance of finishing undefeated: 35 percent
This should really be more of a 1A/1B situation based on all evidence from this season, but because Indiana has no history of playoff success — the Hoosiers lost 27-17 to Notre Dame in the first round of the playoff last year in their lone CFP appearance — the slightest of nods has to go to Ohio State.
It’s very likely both the Buckeyes and Hoosiers are undefeated going into the Big Ten championship game, and the winner of that game is the one who belongs atop this list ultimately.
It should be clear by now that No. 2-ranked Indiana is the real deal under Curt Cignetti and even better than last year when it came out of nowhere as the biggest surprise in college football. The Hoosiers won 30-10 at Oregon when the Ducks were ranked No. 3, and they put a 63-10 beatdown on Illinois when the Fighting Illini were (undeservedly, sure) ranked No. 9.
Indiana has an even more favorable schedule the rest of the way than Ohio State, closing vs. UCLA (3-4, 3-1 Big Ten), at Maryland (4-3, 1-3), at Penn State (3-4, 0-4), vs. Wisconsin (2-5, 0-4) and at Purdue (2-5, 0-4).
Chance of finishing undefeated: 30 percent
This is where the list drops off precipitously.
Listen, no knock on Georgia Tech, which is 7-0 for the first time since 1966 and one of the best stories in college football. Quarterback Haynes King is as valuable as any player in the country for all he does for the Yellow Jackets, leading the team in both passing and rushing yards for the season.
And just when many predicted Georgia Tech would meet its match last week at Duke, it responded with an impressive 27-18 win.
This is a very good team, no question, and it may well finish the ACC schedule unbeaten with remaining conference games vs. Syracuse (3-4, 1-3 ACC), at NC State (4-3, 1-2), at Boston College (1-6, 0-4) and vs. Pitt (5-2, 3-1), though the surging Panthers will be a tough matchup.
But even if that happens, Georgia Tech then closes the regular season vs. No. 5 Georgia (at Mercedes-Benz Stadium in Atlanta). The Bulldogs have won the last seven meetings in that rivalry series.
Then comes a potential ACC championship game matchup vs. likely Virginia, SMU, Miami, Louisville or Duke … before even getting to a potential CFP run. It’s just hard to see all that happening.
Chance of finishing undefeated: 5 percent
The No. 3-ranked Aggies are absolutely a program on the ascent under second-year head coach Mike Elko and have a signature win at Notre Dame (41-40 in Week 3) to highlight their 7-0 start.
But that’s the only ranked opponent Texas A&M has played with its other wins over UTSA, Utah State, Auburn, Mississippi State, Florida and Arkansas (45-42 last week).
The Aggies’ toughest tests remain with road games at No. 20 LSU (5-2, 2-2 SEC) and No. 15 Missouri (6-1, 2-1) next on the schedule and a road game at No. 22 Texas (5-2, 2-1) to close the regular season.
If they get through those obstacles, the SEC championship game would likely bring Alabama or Georgia.
It’s not that Texas A&M couldn’t win any of those games — it’s that it’s hard to see it winning all of those games, plus a full CFP run.
Chance of finishing undefeated: 3 percent
No. 11-ranked BYU spent most of the season out of the national rankings, but it’s kept winning and forced the voters to take notice, surging up the AP poll in recent weeks.
A 24-21 win over then-No. 23 Utah last week was the biggest one yet and added weight to the Cougars’ undefeated record, as the best team they’d played to that point was Arizona (needing overtime to prevail).
Nonetheless, it feels like the Cougars have overachieved. They’re always a well-coached, physical team under Kalani Sitake, but they’re fairly one-dimensional this year offensively.
True freshman quarterback Bear Bachmeier has only reached 200 passing yards in two games this season, but he contributes to the rushing attack (359 yards and 8 TDs on the ground), led by running back LJ Martin (774 yards, 4 TDs).
Is that enough to get through a tough final stretch of the schedule?
BYU closes at Iowa State (5-2, 2-2 Big 12), at No. 14 Texas Tech (6-1, 3-1), vs. TCU (5-2, 2-2), at No. 21 Cincinnati (6-1, 4-0) and vs. UCF (4-3, 1-3).
More likely, that looks like two or three losses.
Chance of finishing undefeated: 0 percent
Navy hasn’t finished undefeated since 1926, when it went 9-0-1. It won’t finish undefeated this year either.
The Midshipmen are a fun team that can cause fits for opponents who don’t ever see the triple-option offense otherwise. Quarterback Blake Horvath is a good operator of it, adding more of a passing element than Navy teams of the past.
But the reality is Navy’s best win was over Temple (the only team it’s played so far that currently has a winning record) and that was a 32-31 battle.
Navy’s toughest games all still remain. It’s last favorable matchup comes this week vs. Florida Atlantic (3-4, 2-2 AAC) before a gauntlet of games at North Texas (6-1, 2-1), at No. 12 Notre Dame (5-2), vs. No. 18 South Florida (6-1, 3-0), at Memphis (6-1, 2-1) and vs. Army (3-4, 2-3).
In the most unlikeliest of scenarios that Navy wins all those games, it would be assured of a playoff spot and be a substantial underdog against every other team on the bracket.
Chance of finishing undefeated: 0 percent
NIL
How to make college football worse
Dec. 26, 2025, 5:03 a.m. ET
- Tennessee Sen. Marsha Blackburn has proposed the HUSTLE Act to create tax-deferred savings accounts for college athletes’ NIL income.
- The need for congressional intervention is questionable, given that other wealthy groups, like NFL players, do not receive similar legislative protection.
If the hollowness of the bowl season or the irrationality of the playoff system has you saddened by the state of college football, it could always be worse. Congress could get involved.
It’s already bad enough that NCAA apologists want Congress to grant college athletics an antitrust exemption. Now Tennessee Senator (and gubernatorial candidate) Marsha Blackburn, in a timely act of pandering, wants to give college athletes special tax-advantaged savings accounts – “for their own protection.”
Blackburn’s comically named “Helping Undergraduate Students Thrive with Long Term Earnings (HUSTLE Act) would allow certain college athletes to create tax-deferred accounts for their Name Image and Likeness (NIL) income.
Don’t get me wrong; I’m a big fan of saving and investing, especially in a tax-deferred vehicle. But the aim of this act ‒ somehow protecting young people from squandering their NIL riches ‒ raises an obvious question: Where exactly is the constitutional mandate (or even suggestion) for Congress to pass laws discouraging 19-year-old millionaires from buying expensive cars and jewelry?
If Blackburn is genuinely concerned about young, wealthy athletes squandering their money, why didn’t she start with the NFL? A widely cited 2009 Sports Illustrated article claimed that 78% of NFL players “face financial stress or bankruptcy” within two years of retirement. This figure was likely exaggerated, but a statistically sound study by the National Bureau of Economic Research found that 15.7% of NFL players file for bankruptcy within 12 years of retiring. Yet this hasn’t prompted any urgent Congressional push to save professional athletes from themselves.
If age is really the determining factor in financial responsibility, why is the fastest growing demographic of bankruptcy filers over 65? Why is the median age of someone filing for bankruptcy 49 and not 29?

Blackburn could, of course, propose legislation allowing college athletes to participate in the existing tax-deferred retirement accounts at their respective universities, but that would concede that the players are employees ‒ something universities want to avoid at practically all costs.
Not to be outdone by the Senate, the House of Representatives proposed the SCORE Act, which would grant NCAA institutions exemptions from antitrust laws – essentially codifying the illegal wage collusion the schools practiced for decades ‒ while also legally declaring that players are not employees of the universities that pay for their athletic services. Too many old timers simply can’t accept the end of decades of illegal (and in my opinion, immoral) athletic department business practices, so they are begging Congress to protect them.
Even if you concede the premise that 20-year-olds are incapable of making wise financial decisions and require assistance, why would Congress be the entity to turn to for financial wisdom?

David Moon, president of Moon Capital Management, may be reached atdavid@mooncap.com.

NIL
Chiefs Stadium Deal Is Insane
stl.pony said:
Feel like it’s largely being paid for by sales tax the new stadium development will generate.
Not in finance, so someone should absolutely check my math/analysis on this.
State of Kansas has an 8.25% sales tax. For the sales tax to generate 3 billion, the total sales would need to be about 36 billion. According to this article the Royals stadium and Arrowhead stadium collectively generate 55 million a year in tax revenue. (Don’t know what the analysis is to produce that; admit it could be wrong.) If you round it up to 60 million a year, the break even point is 600+ years.
If you take the numbers the Chiefs put out, 1 billion in economic impact for the region and 29 million in tax revenue per year. The break even point from tax revenue would be 1800 years?
I don’t know what is considered the region for the economic impact evaluation and how that changes based on if the stadium is on the Missouri side or the Kansas side of Kansas City. I also remember reading a report about the state fair of Texas that claimed that events like the state fair and sporting events don’t necessarily generate additional economic activity in a region, it just concentrates it into the event rather the wider community. (Admittedly, that could mean more tax revenue for one city in the region over another.) In my layperson’s opinion, a sports stadium deal like this doesn’t seem to be as smart of a decision as offering economic incentives to a Toyota or other non-entertainment business to move to your city.
NIL
Michigan urged to hire SEC coordinator over head coaches to replace Sherrone Moore
As Michigan’s coaching search drags on, some overlooked possibilities could be floating back to the forefront. After apparently striking out on established head coaches like Kenny Dillingham and Kalen DeBoer, one SEC coordinator is exactly such a possibility for the Wolverines.
In a recent episode of Andy and Ari On3, Andy Staples and Ari Wasserman pointed out that the current coaching carousel has been virtually obsessed with established head coaches. Kentucky hired Oregon offensive coordinator Will Stein as its next coach, but otherwise, schools have passed on coordinators in favor of coaches with head coaching experience.
Both Staples and Wasserman singled out Georgia defensive coordinator Glenn Schumann as a strong coaching possibility who Michigan should consider. “Why hasn’t he been in the conversation,” asked Wasserman. “He’s been intereviewed by schools, they just haven’t hired him,” noted Staples. “Normally, multiple coordinators would have either gotten these jobs or been finalists for these jobs.”
“If I were Michigan, I would hire Schumann over all the others,” said Wasserman. “I feel like if you’re Michigan, you want to get the guy that reshapes how you do things. It’s not that Jedd Fisch wouldn’t or Jeff Brohm wouldn’t….Don’t you want to go get the younger coordinator from Georgia who recruits his ass off and has been around big builds and has he defense playing like this at the right time and try to build you program around that?”

Schumann is only 35 years old, but has spent the last 17 seasons with either the Alabama or Georgia programs. He went to Alabama to be a student assistant coach under Nick Saban, then moved up to graduate assistant and then to Director of Football Operations.
When Kirby Smart left Alabama to take the Georgia head coaching job, Schumann went with him. First, he was the inside linebacker coach. In 2019, he added co-defensive coordinator to his responsibilities and ahead of 2024, he became the sole defensive coordinator
Georgia has historically been a very aggressive big-play-oriented defense, but Schumann has helped remake them on the fly. In 2025, the Bulldogs have held opponents to 15.9 points per game, second in the SEC, despite being near the bottom of the conference standings in sacks (tied for last), tackles for loss (next to last), and turnovers forced (13th).
Schumann was considered in 2023 for the Philadelphia Eagles defensive coordinator role, but hasn’t been significantly linked with another collegiate job. Despite his relative youth, his experience inside two of the foremost college football dynasties of recent vintage makes him an intriguing possibility, should Michigan decide to take a chance.
NIL
No easy fix for what ails college football, but it’s still fun
As much as the state of college athletics these days drives people to distraction, coaches and administrators don’t have many options.
So, you don’t like players being paid? You don’t like players have the ability to transfer to another program anytime they choose? You don’t like lawyers and agents raking in huge amounts of cash? What can unhappy fans do about it?

You can stop supporting your favorite program. You can stop going to games or even watching games. If enough people do that, what they will accomplish is making it more difficult for their favorite programs to win. They will change nothing.
Despite all of it, coaches are expected to win. Athletics directors are expected to provide the resources for them to win. They have no choice but to play the game with the rules – or lack thereof – in place today.
Is it out of control? Of course it is, in football and basketball. Will there be efforts to mitigate the damage that is being done to the sports so many love? There will be. Will they be successful? Maybe, but so far we’re not seeing it. Yet, TV ratings are higher than ever. Stadiums are filled. It’s still fun, which is what it was always meant to be.
For sure, there are some misconceptions out there.
Players, in fact, can and do sign contracts. There is nothing to keep them from signing multi-year contracts, but those are iffy for both sides. Maybe a player turns out not to be worth what he is being paid. Or maybe he turns out to be worth more than he’s being paid.
None of this is simple. It is further complicated by agents who are neither qualified nor interested in much anything beyond making money for themselves.
Maybe, one day, someone will find a solution. Maybe Congress will step in and help, though there has been no indication that is close to happening.
Players and coaches are better-trained, better-informed and more knowledgeable than they have ever been. Players are not the spoiled, entitled young men they are accused of being. They are being pulled in all sorts of directions by family, agents, boosters and others with agendas of their own.
Almost every effort to find common ground has blown up.
The December signing period was meant to give players who had made up their minds opportunities to get the recruiting process over with. Previous to that move, it was rare for players to graduate early and enroll in time for spring practice. Now, it’s what every coach wants and most players want.
NIL was supposed to be about players having opportunities to earn spending money, maybe even get a car. It was never meant to make anybody wealthy. Along came collectives, and that changed.
Penalty-free transfers were supposed to be about players having opportunities to go in search of more playing time. Instead, added to NIL, it become a monster. Without penalty-free transfers, things would be different today.
For now, if people let this destroy their love for the game, they are letting the forces of chaos win. It’s still college students – yes, they are students – playing football. And they pay a fearsome price in blood, sweat and mental challenges to do it.
Once the portal has opened and closed and rosters begin to be set, things will calm down. The focus will return to where it should be, on those who play the game and the season ahead.
***
To all of you who do us the honor of coming here to read and comment and debate, and to Ron Sanders, Nathan King, Christian Clemente, Jason Caldwell and Patrick Bingham, my valued colleagues, I wish joy, peace and love on this day.
NIL
Oregon Ducks Could Steal Another Transfer Portal Player From USC Trojans
The Oregon Ducks are in the middle of what hopes to be a memorable run to the National Championship after beating the James Madison Dukes 51-34 in the first round of the College Football Playoff at Autzen Stadium on Saturday.
But with the way the transfer portal calendar works, the coaching staff is still having to do its due diligence when it comes to targeting new additions for next year’s roster.

The Ducks have already been connected to some notable portal players, including Arizona State quarterback Sam Leavitt. More names will certainly be added to the list in the coming weeks, but one interesting player could be joining the mix.
Per reports from On3’s Pete Nakos, Oregon is a potential team to watch for USC Trojans defensive lineman Devan Thompkins. He spent the past three years with the Trojans and
This mirrors what Oregon did last offseason with defensive lineman Bear Alexander, who spent the 2023 and ’24 seasons at USC before transferring to Eugene. This proved to be a
MORE: Three Biggest Takeaways From Oregon’s Playoff Win Over James Madison
MORE: Oregon Coach Dan Lanning Is Turning Heads For Ducks’ Playoff Entrance
MORE: National Championship Betting Odds After Oregon’s Win Over James Madison
SIGN UP FOR OUR NEWSLETTER HERE!
Alexander, who played his freshman season with the Georgia Bulldogs before joining USC, has already confirmed that he will be returning to Oregon for the 2026 season.
“I prayed for this moment. Grateful beyond words to be back on the field. Every doubt, every setback, every hard day led me back here. I am truly thankful for my staffs commitment to my growth both personally and professionally. Stepping back onto this field felt like breathing again and I’m forever grateful. Being away from the game last year was tough, I really missed this more than I can explain. Thankful for the strength, support, and grace that brought me back to this point in my life with all my dreams within reach,” wrote Alexander onto social media.
Alexander posted 45 total tackles and one sack during the regular season with Oregon. In his second-career CFP game against James Madison on Saturday, he had four total tackles (two solo).

As for Thompkins, it’s a bit too early to know which team he will end up choosing, as the portal is set to open on Jan. 2 after the College Football Playoff Quarterfinals.
However, if he does end up choosing Oregon, the Ducks would be getting an experienced player on the defensive line while simultaneously snagging him away from a Big Ten rival.
This past season, Thompkins had 31 total tackles (18 solo), three sacks, one forced fumble and two pass breakups. He had 4.5 career sacks in three seaons with the Trojans.
But before looking too far ahead when it comes to the portal, the Ducks will look to keep their championship hopes alive on New Year’s Day at the Orange Bowl in Miami against the Texas Tech Red Raiders.
Recommended Articles
NIL
Report: Terry Smith’s lack of FBS head coaching prevented him from landing Penn State job
Despite being one of the first major Power Four openings following the Oct. 12 firing of James Franklin six games into the season, Penn State was without a full-time head football coach for 58 days until Iowa State‘s Matt Campbell was formally hired on Dec. 5.
During the two-month-long coaching search, more than 10 candidates — from Alabama‘s Kalen DeBoer to Nebraska‘s Matt Rhule — were reportedly mentioned in connection to the Nittany Lions opening, even if most were never serious options. Several of those candidates — Rhule, Indiana‘s Curt Cignetti and BYU‘s Kalani Sitake — received lucractive contract extensions just for being mentioned in connection to Penn State.
In the meantime, longtime assistant and interim head coach Terry Smith did his best to pick up the pieces of the once-promising season and closed out on a three-game win streak to secure bowl eligibility for Penn State (6-6). That late-season surge helped boost support for Smith to be promoted to full-time head coach, especially among current and former players.
During Penn State’s victory over Rutgers, multiple players held up signs that read, “Hire Terry Smith,” which showed the amount of support the veteran coach had built within the program. Former PSU star Michael Robinson also advocated for Smith to get the top job.
Terry Smith on support from PSU alumni: ‘It means everything’
“It means everything,” Smith said in late November. “Obviously, the support that the lettermen are giving me, especially Michael Robinson doing that, obviously it means we’re doing something right. Just trying to create a culture for our team to play hard, play tough, and for our fans to get behind us and support us and stay in our corner.”
Smith, a four-year letter winner between 1987-91 under legendary head coach Joe Paterno, was ultimately retained and will return as the associate head coach under Campbell. But the lengthy search left many wondering why the 56-year-old alum and longtime associate head coach wasn’t given more serious consideration.
Turns out Smith was a “legitimate candidate,” according to a detailed report from ESPN’s Adam Rittenberg, Max Olson and Eli Lederman released on Christmas Eve. The ESPN report revealed Smith was among five candidates that actually interviewed with PSU athletic director Pat Kraft, though he “ultimately lacked the FBS head coaching experience Penn State desired.”
Of course, prior to his interim gig this season, Smith has never led his own collegiate football program. The former collegiate receiver nicknamed “Superfly” has served as the Nittany Lions’ cornerbacks coach since 2014, adding the title of assistant head coach two years later in 2016 before becoming the associate head coach in 2021. Given that wealth of experience, Smith was a priority for Campbell and Penn State, which reportedly made him college football’s highest-paid non-coordinator, according to NFL insider Jordan Schultz.
-
Motorsports2 weeks agoSoundGear Named Entitlement Sponsor of Spears CARS Tour Southwest Opener
-
Motorsports2 weeks agoDonny Schatz finds new home for 2026, inks full-time deal with CJB Motorsports – InForum
-
Rec Sports3 weeks agoDavid Blitzer, Harris Blitzer Sports & Entertainment
-
Motorsports3 weeks agoJR Motorsports Confirms Death Of NASCAR Veteran Michael Annett At Age 39
-
Sports3 weeks ago
Elliot and Thuotte Highlight Men’s Indoor Track and Field Season Opener
-
Sports3 weeks ago
West Fargo volleyball coach Kelsey Titus resigns after four seasons – InForum
-
Motorsports2 weeks agoRick Ware Racing switching to Chevrolet for 2026
-
NIL2 weeks agoDeSantis Talks College Football, Calls for Reforms to NIL and Transfer Portal · The Floridian
-
NIL3 weeks agoColleges ponying up in support of football coaches, programs
-
Sports2 weeks ago#11 Volleyball Practices, Then Meets Media Prior to #2 Kentucky Match





