NIL
College Football Playoff: First Official 2025 Projected 12-Team CFP Bracket
Tuesday night, the first official College Football Playoff rankings released. That means it’s time to project the 12-team CFP bracket.
Unlike in 2024, this year’s College Football Playoff will see a straight seeding model. While the five highest-ranked conference champions have spots in the field, the four highest-ranked teams will receive a bye. That’s a change from last season.
The CFP rankings will update every Tuesday through November, and the final reveal will take place Dec. 7 after conference championship weekend. Here is what the first projected College Football Playoff bracket looks like.
First-round byes
No. 1 – Ohio State*
The top team in college football this year, according to the College Football Playoff selection committee, Ohio State would earn a first-round bye based on the first CFP rankings. The Buckeyes have been dominant all year as they look to chart a path back to the Big Ten Championship.
Quarterback Julian Sayin is leading the charge, catapulting to the forefront of the Heisman Trophy conversation. But the offense also has top playmakers Jeremiah Smith and Carnell Tate at receiver, as well as one of the top defenses in the country, as the Buckeyes look to repeat as champions.
No. 2 – Indiana

In Year 2 under Curt Cignetti, Indiana has been nothing short of dominant. The Hoosiers are a perfect 9-0, with a notable win at Oregon on their resume.
IU has a Heisman Trophy hopeful at quarterback, as well, in Cal transfer quarterback Fernando Mendoza. But the defense is stealing the show, ranking third in the nation with 10.8 points allowed per game.
No. 3 – Texas A&M*
The last remaining undefeated SEC team, Texas A&M is firing on all cylinders in Year 2 under Mike Elko. The Aggies are searching for their first-ever College Football Playoff appearance.
At quarterback, Marcel Reed is emerging as a top playmaker in the country, averaging 290 total yards per game. As a group, Texas A&M is running one of the nation’s best offenses with 37.8 points on average.
No. 4 – Alabama
Following a season-opening loss to Florida State, Alabama has been red-hot. The Crimson Tide have won seven straight games to vault themselves into the top four seeds in the initial College Football Playoff bracket.
Ty Simpson has settled in well at quarterback as he runs Ryan Grubb and is leading the charge. He has thrown for 2,184 yards and 20 touchdowns, to just one interception, through eight games this year.
First-round matchups (campus sites)
No. 12 Memphis* vs. No. 5 Georgia

The Group of 6 representative in the first projected College Football Playoff bracket, Memphis is in the midst of an impressive season in the American Conference. The Tigers are 8-1, with only a loss at UAB on their resume. Despite not appearing in the Top 25 rankings, Memphis is the projected No. 12 seed in the bracket, per the selection committee
At 7-1, it’s been another impressive run so far for Georgia in 2025 to stay in strong position for a College Football Playoff berth. The Bulldogs are coming off a rivalry win over Florida, and their lone blemish is a loss at Alabama earlier in the year.
No. 11 Virginia* vs. No. 6 Ole Miss
Representing the ACC in the projected 12-team College Football Playoff bracket, Virginia sits alone atop the conference standings after Week 10. The Cavaliers have put together an impressive run through 2025 as they look to secure the ACC title and reach the CFP for the first time.
Heading into Week 11, Ole Miss looks to have a path for its first College Football Playoff berth. The Rebels got a crucial win over Oklahoma two weeks ago, which helped put them in strong position ahead of the first CFP rankings reveal.
No. 10 Notre Dame vs. No. 7 BYU*
Since losing back-to-back games to start the year, Notre Dame has rattled off seven straight wins, including last week’s victory at Boston College. The Fighting Irish have four games left to enhance their resume as they continue their quest to stay in the College Football Playoff picture.
The last undefeated team remaining in Big 12 play, BYU has put together a strong 2025 season with its sights set on a conference title game bid. A huge matchup awaits on Saturday, though, as the Cougars head to Lubbock to take on Texas Tech in what could be a Big 12 Championship preview.
No. 9 Oregon vs. No. 8 Texas Tech

Outside of a home loss to Indiana, Oregon has put together a strong 2025 season with a slew of new faces. Led by quarterback Dante Moore, the Ducks come out of the bye this week with a test at Kinnick Stadium against Iowa and its stout defense.
Since suffering its first loss three weeks ago at Arizona State, Texas Tech got back to its dominant ways with two straight blowout wins. The Red Raiders are looking to secure a spot in the College Football Playoff, and this week’s matchup against BYU will be crucial in building that resume.
First four out
Texas
Oklahoma
Utah
Louisville
Next four out
Vanderbilt
Georgia Tech
Miami
USC
NIL
The Year Schools Paid Their Players
NIL
Kenny Dillingham-Michigan saga proves college football about money
Dec. 23, 2025, 6:07 a.m. ET
Arizona State football coach Kenny Dillingham says he was never offered the Michigan job. Never got to that point.
This, of course, isn’t the story nor the takeaway from Dillingham’s dalliance with the Wolverines.
The irony of the state of Arizona’s highest-paid public employee begging for private donations to compete at the highest level of college football is where this bizarre story begins.
“We live in Phoenix, Arizona. You’re telling me there’s not one person who could stroke a $20 million check right now?” Dillingham said after agreeing to a new contract worth more than $37 million over the next five years.
That’s right, the guy whose future could never be more secure, sees the immediate horizon line for the Arizona State football program. And frankly, it’s financially unstable at best — and a house of cards at worst.

It’s Arizona State today, but could be Kansas State or Colorado or North Carolina State or Virginia Tech or Boise State — or any of the other 100-plus Bowl Subdivision teams not protected by the golden parachute of the Big Ten and SEC.
Coaches at those 34 schools in the two big conferences — many of those institutions born on third base from long-term association with the leagues before the financial boom of television media rights — aren’t publicly calling out dignitaries and alums associated with their schools.
They’re not standing during a media availability and pleading for the next Cody Campbell to please step up. Or else.
Dillingham made it very clear that college football is about those who wish to spend money, and those who don’t. This isn’t about revenue sharing between schools and players, this is all about private NIL funding.
This is about the dirty underbelly of the sport that can’t be legally controlled. A growing vice that doubles and triples the obstacles faced by conferences chasing the Big Ten and SEC.
It’s bad enough that mega media rights deals give the Big Ten and SEC a huge competitive advantage over the rest of college football. It’s downright sinister that those same schools have deep pocket boosters willing to spend tens of millions in private NIL deals to eliminate all doubt.
Sam Leavitt led Arizona State to the Big 12 title and the College Football Playoff in 2024, and returned to Tempe this season for another run. A foot injury ended his season early, and now he’s headed to the transfer portal looking for a new home.
Not because he doesn’t think he can win big with the Sun Devils — he already proved that. He’s in the portal, like so many other players, to strike when its hot and score a deal before moving onto the NFL.
What are the odds he signs with a Big Ten or SEC school? A program which has boosters that can pay him an outrageous salary through a private NIL deal.
Do you really blame Leavitt?
Do you really blame Campbell, Texas Tech’s billionaire booster, who built a championship-level team with a $25 million roster — and the Red Raiders responded by winning the Big 12 and earning a first round bye in the CFP?
They’re just following the rules, and until a different set of rules is in place, they’ll take advantage of it.
That’s why Dillingham sounded like a panhandler last weekend, begging — literally begging someone, anyone, in The Valley to jump on board and throw money at the program. He even specifically called out school alums Phil Mickelson and Jon Rahm.
Hey, Kenny, while you’re at it, why not place a call to the sheiks in Saudi Arabia? See if their Public Investment Fund (PIF) is interested in sports washing with the second-most popular sport in America.
Because if you’re reaching out to Mickelson and Rahm, you’re reaching out to the Saudis — who own LIV Golf — by proxy. The only difference between the PIF and Utah’s new $500 million agreement with Otro Capital is one group of investors has a long line of human rights violations.
The other is a financial shark, whose only goal is to make money.
Any way they can.
“College football is absolutely chaotic right now,” Dillingham said. “You’ve got to be able to have a plan to be aggressive in this thing for three, four, five years down the road. If you don’t have that, you’re a ticking time bomb for failure.”
This nonsense isn’t going to end until players are considered employees, and players collectively bargain their best deal. Until FBS conferences go to market as one, and sell their games to make double or more than the current market value of $4 billion-plus annually.
That move will allow universities to restrict player movement through multi-year contracts, and find a fair and equitable postseason for all. One that doesn’t include charity for the Group of Five conferences, who have no business in a playoff unless invited based on merit (see: Boise State, 2024).
But that move also means players would go from earning about 20 percent of media rights revenue to likely 45-50 percent. NFL players currently make 48 percent of the media rights.
That’s why the Big Ten and SEC don’t want players collectively bargaining. It has nothing to do with the pollyanna idea sold by conference commissioners that players, “don’t want to be employees.”
If they’re going to earn 20 percent, who wants to deal with the headache of collectively bargaining? Move that number to 45-50 percent, and watch how many players say they’re all in.
Then maybe their coaches wouldn’t have to shamelessly beg for cash, mere hours after signing a new $37 million dollar contract. Or else.
Matt Hayes is the senior national college football writer for USA TODAY Sports. Follow him on X at @MattHayesCFB.
NIL
No. 1 college football team predicted to sign $2.1 million transfer QB
As Indiana prepares to host its first-ever College Football Playoff game as the No. 1 seed, the Hoosiers are quietly already planning for 2026.
Fernando Mendoza, a redshirt junior transfer who led the Hoosiers to a 13-0 regular season, won the 2025 Heisman Trophy after throwing 2,980 yards and a national-best 33 passing TDs and is widely seen as an early NFL first-round prospect.
Should Mendoza depart for the draft, Indiana would be tasked with replacing an elite, NFL-caliber starter, which explains why numerous quarterbacks expected to enter the transfer portal have been linked to the Hoosiers.
On a December 20 episode of “Hoosiers Football Tailgate,” host Coach Griff specifically named TCU quarterback Josh Hoover, who announced he will enter the transfer portal and skip the Alamo Bowl, as a name Indiana should watch.
“I like this guy as a definite target for Indiana,” Griff said. “So, Josh Hoover, keep an eye on him as a potential target… The one I think they’ll really try to get is Hoover.”

Hoover was a three-star recruit out of Rockwall-Heath (Texas) and initially committed to Indiana in 2021 before flipping to TCU after the school extended an offer.
He then redshirted in 2022 and became the starter in 2023, producing breakout numbers in 2024 with 3,949 passing yards, 27 passing touchdowns, and 11 interceptions with a 66.5% completion rate.
In 2025, Hoover threw for 3,472 yards and 29 TDs, with 13 INTs, and projects among the most productive returning QBs in 2026 on career totals of 9,629 passing yards, 80 total TDs, and a career passer rating of 147.8.
On3’s NIL valuations list also shows Hoover ranking among the most marketable college quarterbacks, with a valuation in the neighborhood of $2.1 million.
Hoover is an intriguing option for Indiana due to his proven production and Power Five experience, positioning him as a potential one-year, plug-and-play solution as Curt Cignetti prioritizes continuity.
There is also a “full-circle” aspect to his recruitment, as Hoover originally committed to Indiana before flipping to TCU in 2021.
Read More at College Football HQ
- Major college football program loses 15 players to transfer portal
- College Football Playoff team has ‘significant interest’ in 4,000-yard QB
- College football quarterback enters transfer portal after 4,000-yard season
- No. 1 ranked transfer portal player predicted to join College Football Playoff team
NIL
Joey McGuire sees NIL similarities between Oregon, Texas Tech
Two teams that have really embraced the NIL era are set to meet on New Year’s Day. Oregon‘s win over James Madison advanced them to the College Football Playoff quarterfinals, where Texas Tech was waiting on the other side. Now, it’s Dan Lanning vs. Joey McGuire in the Orange Bowl with a lot of resources put into rosters.
Oregon has been at the forefront of NIL since its inception, especially under Lanning. Texas Tech could be considered the new kid on the block after major investment from a few donors. Even so, McGuire sees some similarities between the two when it comes to winning at whatever cost.
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“They’ve got a great booster in Phil Knight that really said, ‘We’re going to go win at the highest level and there’s no excuse when it comes to finance.’ You turn around and I think that we’re showing that we’re doing that. I think we’re really comparable,” McGuire said.
“We’ve got guys that have stepped up and done a great job. I kind of call them the ‘Big Five’ whenever you talk about Cody and John, Mike, Dusty, and Gary. Those guys have, along with everybody else in Red Raider Nation, but those guys have really led the charge. So, we’re kind of comparable on and off the field in this team. They’ve just done it for a little bit longer. That’s what we’re trying to do.”
As he said, McGuire is looking to put together a run similar to Oregon. All four years since hiring Lanning have been a resounding success, finishing with double-digit wins in all of them. This is the program’s second College Football Playoff appearance in the 12-team format, just missing out in 2023 due to a Pac-12 Championship loss.
Oregon won the Big Ten in its inaugural season inside the conference. Texas Tech can check that box already though, winning the Big 12 for the first time in school history. Advancing in the CFP would be a sweet bonus.
No matter the result on Jan. 1, Texas Tech is positioning itself to be successful moving forward. The 2026 recruiting class ranked 20th in the country but No. 1 in the Big 12 per the Rivals Industry Team Rankings. This is all before raiding the NCAA transfer portal, something McGuire and his staff did so well with last offseason.
NIL
No. 1 college football transfer portal QB predicted to draw $3 million offer
In the weeks leading up to the opening of the NCAA transfer portal, hundreds of college football players have announced their decisions to leave the schools they played for in 2025 for new horizons next season.
Some cases involve players transferring up from Group of Five or FCS programs to broaden their exposure. Others feature players following their coaches from one school to another due to the coaching carousel. In occasional instances, players are searching for the highest bidder on the portal.
Former Arizona State quarterback Sam Leavitt is a portal entry drawing the attention of high-bidding college football programs. He will enter the portal with two seasons of eligibility remaining.
On3 ranks Leavitt as the top available quarterback in the transfer portal. Chris Hummer of CBS Sports reported that schools are expected to offer Leavitt around $3 million.

“Sam Leavitt on the open market is going to command a significant amount of money,” Hummer said. “We’re talking $3 million plus most likely. Although, in all fairness, I think teams really do have questions about Sam Leavitt’s injury and what that means moving forward. It’s kind of like the Carson Beck situation a year ago.”
The 6-foot-2, 205-pounder began his college football career with Mel Tucker at Michigan State in 2023. He played in a maximum of four games that season to maintain his redshirt, throwing for 139 yards, two touchdowns, and a pair of interceptions.
Leavitt transferred to Arizona State in the 2024 offseason. The Sun Devils were 10-2 in the regular season and defeated Iowa State (45-19) en route to the program’s first-ever College Football Playoff appearance. Leavitt passed for 2,885 yards, 24 touchdowns and six interceptions and rushed for another 443 yards and five touchdowns.
Postseason honors for Leavitt included Big 12 Offensive Freshman of the Year and Second Team All-Big 12. His 2,885 passing yards are the most by a freshman quarterback in Arizona State history.
Leavitt’s season was cut short after the Sun Devils’ game against Houston due to a Lisfranc injury. He threw for 1,628 yards, 10 touchdowns and three interceptions while he ran for 306 yards and five touchdowns in seven games.
Arizona State will not start Leavitt in its bowl game. The Sun Devils (8-4, 6-3) will play ACC champion Duke (8-5, 6-2) in the Sun Bowl in El Paso, Texas (3 p.m. EST, CBS).
The NCAA transfer portal officially opens on Jan. 2, 2026, the final day of bowl games across the FBS ranks. It will remain open for the following two weeks.
NIL
University of Alabama football player uses NIL money to spread Christmas cheer
TUSCALOOSA, Ala (WIAT) – University of Alabama offensive lineman Parker Brailsford’s childhood experiences inspire him to help Tuscaloosa’s underserved youth.
Brailsford is an Arizona native, who has made a name for himself in the world of college football. But when he takes off the helmet and pads, his focus shifts to something else.
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“Being able to give back to kids that don’t have – that’s something that fulfills me,” Brailsford said. “It’s my purpose.”
Brailsford took 10 children and their families from the Boys and Girls Club Christmas shopping on Monday.
Each child received a $100 Target gift card. All together it was $1,000 of NIL money.
Alabama moves up to No. 14, Auburn falls out of AP men’s college basketball rankings
“He just gave her a turkey for Thanksgiving, and now he’s taking her Christmas shopping,” Toniko Bryant said. “I’m very thankful because he doesn’t have to do that.”
Brailsford understands he doesn’t have to – but he wants to.
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“As a kid, we didn’t have a lot but we had enough,” Brailsford said.
During Brailsford’s infancy years he was adopted.
“I never was in the foster care system, but one of my friends was,” Brailsford said.
Brailsford’s formative years were a stark contrast to what he saw other children experience. His parents gave him support and stability, while other children moved from home to home.
At the same time, his mother took him to homeless shelters and food pantries to volunteer. There he saw how poverty affects anyone of all ages, races, and gender.
“Sometimes you get caught in the what you’re living in right now – you think there’s not a place for you,” Brailsford said.
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Brailsford found his place on the field, but his purpose is to help children find theirs.
“This is something God put on his heart,” John Nero said. “I appreciate every bit of it, not just for Oshae but for all the other kids.”
Brailsford relates to many of the children he serves. Whether it’s adoption, financial hardships, or empathizing with experiences his friend encountered years ago.
While Brailsford’s success in football gives him the financial resources and name recognition to coordinate outreach events, this is just the beginning even if his football career comes to an end.
“I’m working on my social work degree right now because I really want to be able to help kids, anyway I can,” Brailsford said.
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