
When the Football Bowl Subdivision had a four-team playoff, I said many times that it was really little more than an invitational. There are currently 136 teams in the FBS, and four is a ridiculously small sample size.
That the field has grown to 12 does make it seem much more like a tournament – although Notre Dame might feel differently since the Fighting Irish were left out.

So, what’s next – 16? Maybe. The deadline to alter the format is set for January 23, 2026, and I wouldn’t be at all surprised if the CFP grew by at least 33 percent. That would make room for more Power 4 teams while still holding a spot for those pesky Group of 6 programs.
What’s funny, though, is that the rest of the NCAA has had this whole playoff thing figured out for a while now. And the FCS, Division II and Division III all provide templates worth considering.
The FCS will crown its champion next Monday when Montana State meets Illinois State in Nashville. That contest will cap off a 24-team playoff (out of 129 members) that features 11 conference champions and 13 wildcards. The top eight seeds earn first round byes.
Division II’s 32-team tourney ended with Ferris State highlighting a 16-0 season with a 42-31 thrashing of Harding in the title tilt.
Sixteen conference champions and 16 wildcards filled out the bracket.
And Division III? UW-River Falls and North Central will clash Sunday night at Tom Benson Hall of Fame Stadium in Canton, Ohio, in the season finale.
They are the survivors of a robust 40-team field that saw 27 conference champions and 13 at-large selections earn berths.
Admittedly, I didn’t watch the selection shows for FCS, Division II or Division III, nor did I troll social media for reactions of schools that were left out of the fields. I kinda figure, though, there wasn’t much room for complaints. In fact, I’m sure there were plenty of teams that received invites with no chance at all of going all the way.
And you know what? I love that for them.
One of the joys of the NCAA Basketball Tournament is cheering for a Cinderella team, even though you know that Cinderella team ultimately won’t get a fairytale ending.
The University of Maryland-Baltimore County (UMBC) became to first No. 16 seed to beat a No. 1 seed when it stunned top-ranked Virginia, 74-54, in 2018. We remember that, while forgetting that the Retrievers followed up with a 50-43 loss to Kansas State.
Anyway, I used to think a 16-team format was perfect for big-time college football. Upon further review, however, I now believe all FBS conference champions should be in a 24-team CFP. That would still leave 14 at-large spots.
If such a tournament were in place this year, Tulane, Duke, Indiana, Texas Tech, Kennesaw State, Western Michigan, Boise State, Georgia and James Madison would’ve gotten automatic bids as conference champions. (The Pac-12 would’ve had to sit this one out since it only had two football-playing members. It’ll be up to eight in 2026).
Using the final BCS pre-bowl rankings as a guide, the 15 wildcard teams in 2025 would be Ohio State, Oregon, Ole Miss, Texas A&M, Oklahoma, Alabama, Miami, Notre Dame, BYU, Texas, Vanderbilt, Utah, Southern Cal, Arizona and Michigan.
Now, do I think MAC champion Western Michigan could run the table and win the national championship? Of course not.
But shouldn’t the Broncos be given the opportunity – against all odds – to pull off at least one juicy upset? Sure. Plus, they deserve a piece of the huge money pie the CFP generates.
I mean, yes, the Power 4 conferences feature teams with huge advantages over the Group of 6, both talent-wise and financially. Put any Group of 6 champion in a Power 4 league and they wouldn’t be champions.
But …
All FBS schools play under the same banner, which is the National Collegiate Athletic Association. And if the NCAA holds a championship tournament for each of its classifications, it’s only fair that it’s open to all conference champions.
There has been talk over the past few years about some sort of “Super League” that would put elite programs in a separate class from the rest of the FBS. If that happens and those schools want to have their own private playoff, fine.
But until and unless it comes to pass, I say give the little guys a chance – even if they have little or no chance.
In the meantime, enjoy this season’s quarterfinals. Here’s hoping for four good ones.

