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The regular college football season wrapped with a wild slate of conference championship games that scrambled playoff hopes and left the selection committee with a mess to sort out; this article walks through each title game result, the final AP Top-25, and the playoff bracket seedings that followed.

The weekend started with a shock in the Big Ten where Indiana beat Ohio State 13 – 10, a result that flipped a lot of preseason assumptions on their head. The box score was essentially dead even, and the deciding play was a missed field goal late in the game that tipped the scales. Indiana proved it can hang with the elite and climbed the polls accordingly, forcing the committee to adjust their thinking.

Georgia then delivered a dominant SEC performance by downing Alabama 28 – 7, a score that still understates how thoroughly the Bulldogs controlled the contest. Georgia scored in every quarter, held a possession edge of more than 13 minutes, and effectively shut down Alabama’s rushing attack. Alabama finished with a net of -3 rushing yards, casting doubt on whether the Tide’s résumé is strong enough for a playoff spot after that dismantling.

The Big 12 title belonged to Texas Tech, who routed BYU 34 – 7 and continued a season of loud, efficient play. Texas Tech extended a record for games won by 20 points and forced multiple turnovers in the second half that snuffed BYU’s chances. That dominant showing locked Tech into a first-round bye and moved BYU away from the postseason bubble.

In the ACC, Duke pulled off an upset by beating Virginia 27 – 20 in overtime, a result that added another wrinkle to playoff calculations. Virginia rallied late to force extra time, but Duke secured the win with an interception after overtime scoring. An unranked conference champion means the ACC’s path to the playoff was far from guaranteed, and the committee had to weigh that oddity carefully.

The American Athletic Conference title went to Tulane, who beat North Texas 34 – 21, a matchup that had real postseason implications for the winner. North Texas quarterback Drew Mestemaker put up numbers, but three interceptions and two fumbles recovered by Tulane made the difference. With that turnover margin, Tulane positioned itself as a dangerous lower seed capable of upsetting higher-ranked opponents.

James Madison ran away from Troy in the Sun Belt title game, winning 31 – 14 and cementing itself as the Group of Five front-runner for a playoff berth. The Dukes ground out the Trojans with a powerful running game — Wayne Knight rushed for 212 yards — while quarterback Alonza Barnett added 85 rushing yards and a score despite throwing for fewer than 100 yards. That kind of balanced attack reassured voters who had only recently elevated JMU into the rankings.

The AP Top-25 arrived immediately after the conference finals and reflected the shakeups from the weekend. The poll put Indiana at No. 1 and Ohio State at No. 2 despite the Buckeyes’ loss. Georgia sat at No. 3, Texas Tech at No. 4, and Oregon held at No. 5, with the full list continuing through No. 25 to capture the season’s full landscape of contenders and near-misses.

The full AP Top-25 read: 1. Indiana, 2. Ohio State, 3. Georgia, 4. Texas Tech, 5. Oregon, 6. Ole Miss, 7. Texas A&M, 8. Oklahoma, 9. Notre Dame, 10. Miami, 11. Alabama, 12. BYU, 13. Vanderbilt, 14. Texas, 15. Utah, 16. USC, 17. Tulane, 18. Michigan, 19. James Madison, 20. Virginia, 21. Arizona, 22. Navy, 23. North Texas, 24. Georgia Tech, 25. Missouri. These placements fed directly into the committee’s bracket decisions.

The playoff bracket gave first-round byes to the top four seeds: #1 Indiana, #2 Ohio State, #3 Georgia, and #4 Texas Tech. That set up meaningful home-field advantages and clear paths for those programs, but the first-round matchups were far from foregone conclusions. Lower seeds with momentum and turnover-driven defenses can — and often do — produce upsets on neutral or host fields.

First round matchups and hosts were announced with the higher seed hosting each game: #12 James Madison vs. #5 Oregon on Dec. 20 at 7:30pm (TNT/HBO Max), with the winner slated to face Texas Tech; #11 Tulane vs. #6 Ole Miss on Dec. 20 at 3:30pm (TNT/HBO Max), with the winner to play Georgia; #10 Miami vs. #7 Texas A&M on Dec. 20 at 12:00pm (ESPN/ABC), the victor drawing Ohio State next; and #9 Alabama vs. #8 Oklahoma on Dec. 19 at 8:00pm (ESPN/ABC), where the winner will travel to Indiana. Those pairings supply several intriguing stylistic contrasts and immediate tests for higher seeds.

Close calls left some notable programs just outside the field, including Notre Dame, Texas, and Vanderbilt, all of whom finished the regular season with competitive résumés yet fell short in key areas. The selection committee’s choices reflected a mix of conference championships, quality wins, and late-season performances, producing a bracket that mixes established blue-bloods with surging sleepers. Fans should expect an early round full of playoff-level drama and a bracket that could shift quickly with a single upset or breakout performance.

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