Here’s a look at where the 12 teams could come from, it’s a little early to figure out the seeding.
The highest-rated non-P4 conference champ is now down to very few contenders.
Boise St has a 3-point loss to #1 Oregon, and has home games against Nevada and Oregon St, and road trips to San Jose St and Wyoming, plus a CCG probably against Colorado St or UNLV. They will probably win out.
Army is undefeated, has road trips to North Texas and Notre Dame (their only ranked opponent), a home game against UTSA and a CCG that’s probably against 2-loss Tulane. Their year-end rivalry game against 2-loss Navy is on Dec 14th, AFTER the playoffs are set.
Sun Belt leader La-Lafayette has a loss to Tulane, but their best win is probably Wake Forest so they likely won’t jump Army or Boise St unless those teams get 2 more losses.
Conference USA and the MAC have nobody will fewer than 2 losses so they won’t be a factor.
I think Army needs to win out to jump Boise State in the standings unless somebody beats Boise St, so if ND beats Army, Boise State would control their playoff fate.
If ND beats FSU, Virginia, and Army (all at home), and wins their road finale at USC, they will seemingly end up in the top-11/12 and, despite their loss to a 4-loss NIU, lock up a spot without playing a CCG; if they lose a game they’re out.
Assuming ND and Boise St make it, that leaves 6 spots available besides the 4 CCG winners from the SEC-B1G-ACC-Big XII.
In the ACC, Miami is undefeated, while Pitt and Clemson have 1 conference loss each and play on Nov. 16th. Miami only has games left at Ga Tech, home against Wake, and at Syracuse. Seemingly the only way for the ACC to get 2 bids is for Miami to win those 3 and then lose the CCG, where as a 1-loss team they’d be in a beauty contest to stay in the Top-11/12.
In the Big XII, BYU is 8-0 with games left at Utah and ASU, and home against Kansas and Houston. The teams with 1 conference loss are Iowa St and Colorado. Similar to the ACC, the only realistic path to 2 bids is BYU getting their first loss in the CCG and surviving a beauty contest against a bunch of SEC and B1G teams.
So it’s very possible the remaining 6 spots will all come from the SEC and the B1G. Get ready for a bunch of ESPN propaganda on how 2-loss aTm/Tenn/LSU/Bama/Ole Miss are more deserving than 1-loss Indiana or 1-loss Penn St.
SEC Contenders and games remaining:
UGA (7-1) plays at Ole Miss, hosts Tenn, UMass, and Ga Tech, plus a probable CCG
Tenn (7-1) hosts Miss St and UTEP, plays at UGA and Vandy
Texas (7-1) hosts Fla and Ky, plays at Ark and aTm
LSU (6-2, 3-1 in conf) hosts Bama, Vandy, and Oklahoma, plays at Florida
aTm (7-2, 5-1 in conf) hosts New Mexico St and Texas, plays at Auburn
Bama (6-2) hosts Mercer and Auburn, plays at LSU and Oklahoma
Ole Miss (7-2) hosts Georgia and Miss St, plays at Florida
Mizzou (6-2) hosts Oklahoma and Ark, plays at S Car and Miss St
Vandy (6-3, 3-2 in conf) hosts S Car and Tenn, plays at LSU
Projecting UGA over Ole Miss and Tenn, and Texas over aTm, I’m thinking UGA, Texas, the LSU-Bama winner and 2-loss Tennessee get 4 SEC spots. I don‘t think they’ll drop the SEC CCG loser out, even if that’s a third loss. If the CCG is a rematch with 1-loss UGA and 1-loss Texas, that’s not an issue.
B1G Contenders and games remaining:
Oregon (9-0) hosts Md and Wash, plays at Wiscy and probable CCG
Indiana (9-0) hosts tCun and Purdue, plays at tOSU
Ohio St (7-1) hosts Purdue, Indiana, and tCun, plays NW’ern at Wrigley
Penn St (7-1) hosts Wash and Md, plays at Purdue and Minny
Without any upsets, I think all 4 of these teams get in as they’d all have no more than 1 loss. If tOSU gets a second loss to Oregon in the CCG, I think they’d still be in the CFP.