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Predicting the College Football Playoff bracket ahead of 2025 season

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College football analyst Josh Pate has predicted the 2025 College Football Playoff participants ahead of the season. His picks are sure to rile up some fanbases.

The Big Ten takes home the top overall seed, with Penn State earning the No. 1 overall seed from the noted college football analyst. Other teams with a first-round bye include Alabama, Texas and Oregon.

Where things get interesting is in the bottom half of the bracket. Pate had some teams that currently reside outside the top 12 of the AP Poll, some by quite a bit, making the field on Josh Pate’s College Football Show.

Among them? Florida and Nebraska.

Pate had the following to say about Florida making the College Football Playoff. But it’s the matchups that are created based on his bracket that get really interesting.

Florida would be matched up with arch-rival Georgia in the first round of the playoffs. Hosting in the Swamp.

“It’s interesting because of what the first-round matchups would be,” Pate said. “If that is the bracket, and I have little reason to doubt that it will be. This is very non-controversial as we all know. We would have Georgia going to Gainesville, Fla., to play a playoff game in the first round.

“So there’s that. They won’t give me that game on campus for the regular season version. Even in years where Jacksonville’s stadium is being renovated they’re playing it at a neutral site. It’s insane. Well I am forcing them to play the Georgia-Florida game in either Athens or Gainesville because I’m going to put them in the first round of the playoff.”

As for Nebraska, Pate is clearly expecting big things from the Cornhuskers and coach Matt Rhule as they get further into the Dylan Raoila era. And Pate was making no apologies for his pick.

You can view the entire College Football Playoff projections from Pate below. We’ve also include the playoff bracket for your viewing convenience.

  1. Penn State
  2. Alabama
  3. Texas
  4. Oregon
  5. Clemson
  6. Notre Dame
  7. Ohio State
  8. Florida
  9. Georgia
  10. Arizona State
  11. Nebraska
  12. Boise State

8 Florida
9 Georgia
Winner Gets: 1 Penn State

5 Clemson
12 Boise State
Winner Gets: 4 Oregon

7 Ohio State
10 Arizona State
Winner Gets: 2 Alabama

6 Notre Dame
11 Nebraska
Winner Gets: 3 Texas



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Two Crazy Ideas to ‘Fix’ College Football

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Does college football need fixing? That could be argued.

It’s inarguable that there are broken aspects to the sport (see the calendar), but at the same time, the sport is gobbling up as much money as it ever has.

As I reflect on the last year, I’ve come up with two whacky ways I think college football could improve on some of its issues. I stayed away from the calendar and the portal because everyone at this point knows something has to give there.

1. NIL-Incentive-Based Preseason Bowl Games

I’m typing this out with a quad box on my TV that features three bowl games (this was written on Dec. 31), so just know if the bowl system doesn’t innovate, I’ll still be here for it.

With that said, there is no denying that the bowl season has been losing its luster over the past decade or so. So, let’s try to find a way to spruce things up. My suggestion (which I don’t think is necessarily original): move them to the next preseason.

That may sound all sorts of backward, but is it more backward than a team having to turn down a bowl because they don’t have enough players to field a team? Is it more backward than a handful of teams going into bowl season with cobbled together coaching staffs because their coach left for another job?

Here’s my idea: Based off conference finishes, teams will be slotted into bowl games to start the next season. Using the Texas Bowl as an example, say it hosts the third-place finisher in the Big 12 and the fifth-place finisher in the SEC (would’ve provided a Utah vs. Texas matchup based on this season’s results). Then, the Texas Bowl’s sponsor would have to pony up some money (how much, I have no idea) for some NIL during next season’s games.

You could argue that the roster that makes the bowl should get the NIL, which I won’t put up much of a fight arguing about, but it going to the next season’s roster would benefit the program going into the offseason. Coaches would be able to recruit the portal with, “Oh, and we’re in the X Bowl, which pays out X.” Maybe it would also be enough to keep some of the players undecided about hopping in the portal to stay in a spot.

It’s a reward to the program for having a good season that they now have the extra recruiting tool and a reward for players in that they get paid. AND it provides The College Football Playoff committee more potentially relevant interconference data points come the end of the year. It’s a win-win-win, as far as I’m concerned.

Things that would need to be figured out:

For one, a lot of teams already have nonconference games scheduled way in advance, so you’d have to deconstruct some of those deals.

Secondly, teams ineligible for a bowl would have a relatively quick turnaround to get a game scheduled. But basically every other college sport puts schedules together much quicker than football, so I think you’d be able to work around that.

2. Region-Based Promotion, Relegation

From a fun idea that could somewhat realistically be implemented smoothly to something that is bat-poop crazy that the powers that be would never agree to.

This prompt is sort of two in one, as it would take conferences realigning (again) plus the implementation of a European soccer-esque promotion-relegation system.

Starting with the conferences, nothing makes sense anymore. USC is in the same conference as Rutgers, despite the two schools having about a 40-hour drive between them. Cal and Miami share a conference despite having about a 45-hour drive between them.

I say the conferences should come together (already not going to happen) and divide schools up based on geography. Not just the Power Five, either. The American Conference hosts UTSA (San Antonio, Texas) and Army  (West Point, New York). Conference USA has New Mexico State and Delaware. Those leagues don’t have the TV revenue to afford such travel expenses as easily.

So, the Power Five returns (welcome back, Pac-12!), and each of those league’s get paired with a Group of Five conference. The winner of the Group of Five conference and the last-place team in the Power Conference would switch leagues (or potentially play a winner-take-all postseason game?). Base media rights payouts would be uniform across the P5 leagues (again, never going to happen) and in the G5.

Let’s say it’s Pac-12/Mountain West, Big 12/American, Big Ten/MAC, SEC/Sun Belt and ACC/Conference USA.

I still think the college football regular season means a lot, but this would only add to that for literally every team. There’s even intrigue for teams having bad seasons. A late November game between two teams that are 2-9 might be must-see TV.

Aside from helping with travel costs for schools and fans, the regionality of things would also bring back some rivalries and create others.

Take the state of Texas, for example. There are six Group of Five programs in the Lone Star State, and those six schools are in three difference conferences. Rice (Houston, Texas) shares a conference with Temple (Philadelphia, Pennsylvania) but not with Sam Houston (Huntsville, Texas). I imagine a lot of players on those G5 Texas teams know one another and would probably very much like to prove that their college team is better than someone they grew up playing in high school. Same for regular students. Say Joe and Bob grew up as friends in Dallas. One went down to Texas State for college and the other went to North Texas. That game has a new level of care to it for bragging rights over your buddy.

Things that would need to be figured out:

Money means this idea is dead on arrival. Schools in the Big Ten or SEC right now would have no interest in sharing their portion of the pie, even if it was for the betterment of the sport. Could you imagine one of those Big Ten teams who woke up on third base despite basically never being relevant in football agreeing to a system that could have them relegated to the MAC? No way. College Football Playoff payouts to the league would have to be big with the regionality of things. The more teams that league gets in, the more money that league gets to divvy among its schools.

Promotion-relegation also isn’t as smooth an idea in college sports as it is professional sports because of A, the transfer portal, and B, eligibility. If a Group of Five team was good enough to win its league, the difference in P5 media rights money and G5 media rights money would need to be enough for the G5 team to retain at least portions of its roster rather than the whole thing getting blown up, forcing an underfunded team into a stronger league while having to replace a large chunk of the roster. But even if that money is enough for rising G5 schools to retain their rosters, what if that G5 school was filled with seniors?

Then would anyone belong to any conference anymore? Or is it sort of like the NFL but rather than AFC and NFC its Big 12, SEC, etc.?

It’s messy, there is no doubt, but if somehow the whole system was reset, I think this system would be a ton of fun.



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Indiana football gets big Mark Cuban NIL donation as transfer portal heats up

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Indiana’s ascendence to the top of the college football world is nothing short of stunning, as Curt Cignetti arrived in Bloomington and immediately turned into a contender. Cignetti’s displays a powerful ability to get buy-in from all levels of the program, from players to the administration to boosters, tapping into Indiana’s alumni base to get the Hoosiers closer to the nation’s top programs in spending. 

Among the alumni that Cignetti convinced to invest in the program is billionaire Mark Cuban. The investor and now-minority owner in the Dallas Mavericks has plenty of cash on hand after selling the majority stake in the Mavs, and after never giving to his alma mater’s athletics department previously, Cuban made back-to-back major donations to help the Hoosiers compete in the portal. 

Cuban confirmed he sent in another donation prior to the opening of the transfer portal on Jan. 2, telling Front Office Sports he “already committed for this portal.” While he wouldn’t confirm how much he gave, he did hint that it was a bigger gift than last year — “Let’s just say they are happier this year than last year.” 

That investment from Cuban and others has already paid major dividends for the Indiana program. After a playoff berth in 2024, the Hoosiers improved even further in 2025, landing the No. 1 overall seed in the College Football Playoff after an undefeated season and winning the Big Ten championship. They’re now the favorites to win it all and will look to punch their ticket to their first national title game in a rematch with No. 5 Oregon on Friday night in the Peach Bowl. 

The transfer portal played a huge role in Indiana’s success, as Cignetti brought much of his James Madison team with him in addition to a number of key players via the portal — most notably Heisman Trophy winning quarterback Fernando Mendoza. 

While the on-field focus remains the Ducks, the Hoosiers are aggressive once again in the portal for 2026. Indiana’s put together another big portal haul, ranking fourth in 247Sports’ transfer portal class rankings, putting Cuban’s money to good use by landing nine commits. The headliners so far are TCU quarterback Josh Hoover and Michigan State wide receiver Nick Marsh, as they look to reload at key positions on offense to stay on top of the Big Ten. 





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Florida Coach Jon Sumrall Can’t Hand Out Shoes, But Can Pay Players ‘Whatever’

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The NIL era continues to be wild.

Since the NIL era began in college athletics back in 2021, the landscape of college sports has often been described as ‘The Wild, Wild West.’ As we enter 2026, that phrase doesn’t do the current situation any form of justice. There were at least some laws in the Wild, Wild West.

While there are rules – it would be more accurate to just call them guidelines – when it comes to what you can and can not do regarding NIL, they very much feel optional at this point in the proceedings. 

Newly appointed Florida head coach Jon Sumrall recently joined Jonathan Hutton and Chad Withrow on OutKick’s Hot Mic and gave a very real example of just how little sense said NIL guidelines make.

With Florida being sponsored by the Jordan brand, one would imagine that Sumrall could hand out as many pairs of shoes as humanly possible to players after their careers wrap up in Gainesville. But no, that isn’t the case at all.

“We give out Jordan Brand shoes here, because we’re a Jumpman school,” Sumrall noted. “So, that’s like a cool, hip thing. And I’ve got all those Jordans on my desk here, but we can’t give them to the players after their careers are over because the monetary value is too great. It’s called an extra-benefit.”

“I’m like, the shoes are worth a couple-hundred bucks, I don’t know maybe a couple thousand bucks, I don’t know how much they’re worth. But, we’re already paying these dudes. Why can’t we give them these shoes?”

That’s a valid question, coach.

Many players are being paid six to seven figures per season to play, and are paid that sum regardless of performance, but handing out a pair or two of shoes that your team is already sponsored by is a no-no.

Good luck trying to make that make any sense.

The funniest piece in all of this is that someone at Florida likely had to tell Sumrall shortly after he was hired that he wasn’t allowed to hand out shoes. The look on his face when he was told that had to have been priceless.





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Demond Williams Jr. Entering Portal Could Start NIL Legal Battle With Washington

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A fresh NIL deal signed last week is now at the center of a potential legal battle as Washington challenges the quarterback’s attempt to leave football program.

Demond Williams Jr. signed a new NIL contract with Washington just days ago to return for the 2026 season as the Huskies starting quarterback. On Tuesday night, the football program was shocked to see on social media that Williams had announced his intentions to enter the transfer portal. 

In a post on Instagram, Williams said that entering the portal was “best for me and my future” where he proclaimed that he was now planning on leaving Seattle. 

But there’s one big problem for the quarterback, and it all centers around the revenue-sharing contract he signed with the school. 

Trinidad Chambliss’ Ole Miss Future Hinges On NCAA Waiver — New NIL Deal Raises Stakes With Potential Lawsuit

His announcement came as a shock to those within the Washington football building, according to multiple sources. When you consider the fact he just signed a new deal, it’s not hard to imagine the reactions within the program. 

Sources also told OutKick that the school has no reason to let Williams out of his agreement, which could end up carrying a heavy financial burden if taken to court. Right now, Washington is exploring its options when it comes to legal remedies around the situation. 

The crux could come down to whether Washington will now have the rights to his NIL, meaning he would not technically be able to sign the same type of agreement with a different school. This could also mean the Huskies would own Demond’s rights pertaining to NIL, which could lead to Williams paying the school a substantial amount of money to play somewhere else next season. 

After passing for over 3,000 yards and 25 touchdowns last season, the Huskies negotiated a new deal for Williams, which he had signed within the past week. 

Now, we could have a major battle playing out while the transfer portal continues to produce interesting storylines, along with seven-figure deals. 

In the case of Washington, the school uses a template that is provided by the Big Ten in signing Demond Williams. If you remember, this is the same type of agreement that Wisconsin used two years ago when signing Xavier Lucas. 

Wisconsin Accuses Miami Of Tampering With Xavier Lucas, Has Full Support Of Big Ten

The Wisconsin transfer ended up leaving Madison, and then enrolling at Miami as a non-student athlete in hopes of skirting the contract. 

The school said that Xavier Lucas entered into a ‘binding two-year NIL agreement’ with Lucas, along with a deal also executed between the DB and the Badgers collective. 

Washington Prepared To Legally Fight To Uphold Contract

For Demond, the school could come after him for liquidated damages in this case. According to multiple sources, Washington is prepared to fight this through legal remedies, while also looking into other schools for potential tampering. 

One prominent NIL attorney spoke with OutKick on Tuesday night, and had this to say about where we are now in terms of contracts with schools, compared to past years. 

“This isn’t like it was when you were dealing with collectives and funneling money. You are now dealing with legitimate contracts and legitimate attorneys or general counsel from major universities. The stakes are larger, which means the liability is greater. 

“If you don’t have real attorneys from the players’ side reviewing your contract, you’re opening yourself to potential litigation.” 

Jon Sumrall Has A ‘Common Sense’ Way To Fix College Football, Hopes To Replicate Ole Miss’ NIL Strategy

Also, officials at Washington are gathering evidence that another school made contact with Williams after he had signed his new deal with the Huskies. 

Even though this does play out behind the scenes every so often, this has been a hot-button topic around athletic departments on Tuesday night. There have been plenty of threats made by athletes, through their representatives, in these cases before pertaining to negotiations. 

But, having an athlete sign a deal, and then potentially be shopped around in this era might not end up turning out how Demond Williams might’ve hoped. 





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Ole Miss’ Chambliss: ‘A little frustrated’ NCAA yet to rule

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SCOTTSDALE, Ariz. — Quarterback Trinidad Chambliss already agreed to a deal to return to Ole Miss next season. Now, he has to wait to see if he’ll be eligible to play.

Chambliss, one of the breakout college football stars of 2026, filed a medical redshirt waiver for a sixth year of eligibility on Nov. 16. He has yet to receive a definitive answer from the NCAA, although it gave a verbal denial for the waiver in December.

“It has been a little frustrating,” Chambliss told ESPN on Tuesday ahead of the Rebels’ College Football Playoff semifinal Thursday against Miami. “But I can’t let that overtake what my mindset is right now and that’s to win a football game and beat Miami. So I would say I’m a little frustrated, but I can’t let that take over me.”

Chambliss is coming off one of the season’s defining performances in one of its wilder games, as he threw for 362 yards in a 39-34 quarterfinal win over Georgia, which included 20 fourth-quarter points for the Rebels. If he were to return next season, he’d be set to earn millions of dollars, something he didn’t get when he left Division II Ferris State for Ole Miss last year. Entering the season, he was slated to back up Austin Simmons.

Chambliss’ lawyer, Tom Mars, mentioned in a letter to the NCAA on the quarterback’s behalf that his client would “suffer irreparable harm” if he’s not granted the waiver. The crux of Chambliss’ case is that he’s asking for a medical redshirt year from his sophomore season at Ferris State. He supplied 91 pages of medical documents that showed he was battling a respiratory issue and hired Mars to help his case. The NCAA is seeking contemporaneous notes that detail his care.

Mars expressed his frustration with the pace of the case to ESPN on Tuesday night.

“It’s been more than seven weeks since Ole Miss provided the NCAA with all the information they needed to make a decision,” he said. “If the NCAA believes its bylaws clearly required more than what was provided, or that the information wasn’t sufficient to justify a waiver, one has to wonder why they still haven’t made a decision.”

Mars said that he and other lawyers have been working for the past week on immediate contingency plans in the event the waiver is denied.

When asked by ESPN how he’d plead his case to the NCAA, Chambliss responded: “I would just say we have evidence and we have an actual reasoning. There’s some kids that don’t have a reasoning on why they should get another year. And I mean, I have an actual case.

“It’s legit, and I hope that they can find whatever in their hearts or in their minds that they can see that and see that I’m a great guy. I’m all for college football and I feel like this year has proven that I’m good for college football and I think that I should deserve another year.”

Chambliss also reflected on what the money in the contract he agreed to with Ole Miss would mean to him and his family.

“It would mean a lot,” he said. “Not everything is about money, but that sure does help. And for me to be in the position that I’m right now, all the hard work and sacrifice that I put in to get to where I am right now, I feel like I’ve earned that. And I feel like with the waiver being approved, I’ve earned the right to have the success or whatever comes with it. And that if it’s NIL or any other things, then so be it.”

Chambliss’ public commitment to return to Ole Miss for 2026 provided another mile marker of momentum. This all came a few weeks after the school appeared fragile in the wake of Lane Kiffin’s departure to LSU.

But two CFP wins and a flurry of returners such as Chambliss, star tailback Kewan Lacy and a handful of star defensive players have fortified Ole Miss for the future.

“We’re committed to him and I’ll leave that to the legal people, who have kind of looked into the case, and whether or not it has legs,” Ole Miss quarterback coach Joe Judge said. “And obviously they felt very strongly about it. So when they told us like, ‘Hey, this is something that absolutely should be ruled in his favor.’ Then we said, ‘Let’s be committed to our player and back him up.'”



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Auburn lands its QB as USF star Byrum Brown commits via transfer portal

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Updated Jan. 6, 2026, 12:36 p.m. ET



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