Lebanon, TN – Before continuing to promote this idea for a Two-championship FBS plan for which a lot of “likes” were received, why does any Court of Law think that young college players betting on games their team or any other college team participates in makes any sense? Nothing but catastrophes await, legal and otherwise if this remains intact after appeals. When fans already suspect a fix is in, they can’t blame it just on the officials anymore. However, bet that they will consider suing the players.
Baseball suspended pitchers on bets regarding a simple ball or strike call in an organized crime scheme. Players made tens of thousands on some such insignificant wagers like these. The great baseball player Pete Rose bet on his team, got suspended from Major League Baseball for life and was denied entry into the Baseball Hall of Fame despite his stellar career.
Example of one scary scenario
How about bets on complete or incomplete passes in a college game? Fear the day that a college player gets caught on betting against his own team. Figure a struggling team trails against an undefeated team. Maybe the QB on the underdog wants to get his head coach fired.
The starting QB makes sure his passes go awry so his team can’t cover the spread to make a few extra bucks directly. What does he care about other than collecting his winnings? It’s now even more about “the Money.” Some grown-up has to lecture that Judge. Let’s hope this decision gets reversed. This could get ugly early and often.
Now on to shedding more light on competitive college football
As posted previously in “To the Delight of many, making the 24-team CFP format work,” it makes no sense for 138 college football teams to play for one national championship. The disparity of talent among so many teams is humungous. Read the analogy on this last post by clicking on the post title. Think of the quality and quantity of quarterbacks alone. If every FBS program possesses four or more QBs on its roster, there are at least 252 ready to step in every season. In reality, probably over 400 FBS QBs fill rosters during any year.
The best go on to the NFL. How many? Three QBs on 32 teams equals 96 QB playing on Sundays. Not all of them turnover in three to five years. Some play as long as over 20 seasons now. The best stay and play. The point is that the majority of 400+ FBS QBs will never be considered good enough to play in the NFL. This demonstrates the disparity of quality quarterback play among 138 college football programs.

Easily determining how to create the Two-championship FBS plans
Just the same way the teams, schools, conferences, coaches and everybody else, including the “athletes” now, make sports decisions. It’s only about the Money, of course! In an analysis of all 134 FBS programs competing in 2024 done by The Knight Commission on Intercollegiate Athletics, it presented a database revealing four key statistics for most of the FBS programs. Syracuse University’s Newhouse School of Public Communications published the results.
In this analysis, the report shows the revenues, expenses, the number of varsity sports programs and the numbers of athletes supported by each school’s athletic department. Note that large private universities like Notre Dame, the University of Southern California, The U of Miami and others legally choose not to divulge their revenues and expenses. Assuredly, however, these programs earn significantly more than the $100 million revenue floor chosen to establish a minimum budget qualification process. The strategy reviewed the revenues and expenses for all schools to determine what programs qualified for among the top 64 to participate in the new proposed FBS-I.
Leaders and cellar dwellers in all conferences
In 2024, the University of Texas topped all athletic programs in revenue with $332M. UL Monroe fell in at the bottom with only $18.2M in earnings. Talk about vast disparity in vying for one common national championship! Do the simple math regarding financial disparity. Among conferences, The Knight Commission reported $2.592 Billion in revenues earned by the Southeastern Conference (16 teams) to lead all FBS conferences. Conference USA sat with the least with $299.7 Million in revenues (12 teams). Understood, but does this seem fair for these two entities to compete for a common national championship? And to think that each SEC team played at least one Football Championship Subdivision (FCS) opponent on their schedule annually for many years. Respective FCS budgets probably fall below ULM’s. The SEC finally decided to terminate this practice at their spring meeting in Miramar, Florida last month.
Also, according to revenues and expenses to fund these FBS programs, among ten FBS conferences reporting in 2024, only four of the ten showed profits. Of course, within each, there were winners and losers among members. And again, financial reports by private institutions remained unavailable and are probably not included in the conference totals.
“Magic numbers” help create college football parity in Two-championship FBS play
As suggested in Collegefootballfan.com’s previous article, to configure a plan to support two 24-team playoffs for “FBS-I” and “FBS-II,” 64 team made the most sense to play a full season of 12 regular season games – seven against common Region foes and five against foes from the other seven regions. At least for FBS-I. Please click here for more details about the original proposal.
The top 64 programs with the most money play one another to finish in the top three of their respective divisions. No conference championship weekend needed. Instead, we propose a “Tie-Breaker Week” to determine outright the top three teams in each region. All go on to play in the 24-team playoffs. Format provided in the article.
A few factors considered beyond The Money
In the final analysis of the existing138 teams, using budgets, geography and histories of conference rivals, whittling down the 138 to 64 had some difficulties. With 74 college football programs remaining, keeping only 64 would leave too many programs outside of FBS-II. So, what would I do if I had some say as a college football “Guru” (come on, give me some credit for attending 740 college football games played by every FBS program and some beyond since 1979), or at least an NCAA committee member? Put all of the remaining 10 in the FCS? No, that doesn’t make any sense.
Maybe an opening for some traditional sakes
However, chopping two from the lot would leave 72 programs for FBS II consumption. That division would also consist of eight regions. Therefore, each would be comprised of nine teams instead! These would play eight regional foes and four games among the other seven regions. This can all be determined by some computer algorithm. It could include some teams contracting to play one another to resume old rivalries over the years blocked vs FBS vs FCS rules. For instance, Oregon vs Oregon State, Washington vs Washington State, and Navy vs Notre Dame. Again, after further analysis of scheduling limitations and parity issues, that could be considered.

Sorry, but someone needs to make some decisions, might as well be…
As “Guru,” I believe that the first decisions made will be received well even by three schools impacted directly. First, eliminate one $100M+ revenue athletic program, Connecticut. No disrespect, but most of their revenue comes from their great basketball program. Football was on the rise under HC Jim Mora, but he’s moved on to Colorado State. They’re not worthy for top tier consideration among 64 top FBS football programs. They fit well in FBS-II. Of course, if basketball, they’re among the top programs.
On the other hand
UMass – Read about this in my book, Fifty Years of Tailgate Tales: The Good, the Fun and the Ugly. The Minutemen just can’t seem to cut it in the FBS. In 16 seasons of FBS football, they have won just 26 games. No disrespect. In “Fifty Years,” the upside to stepping down comes to light. The University of Idaho struggled the same way at this level. The Vandals rejoined the FCS. They resumed old rivalries on a geographical basis. Idaho plays schools they can recruit effectively against and compete with as equals annually.
They left the Sun Belt in 2018 to join the powerful FCS Big Sky Conference. In 2022, 2023 and 2024, they earned bids to the FCS playoffs. Also, they cut costs in travels to many distant games to play as a patsy for Top 20 teams. UMass can go back and do the same against teams like New Hampshire, Rhode Island and Maine. Nothing wrong with that. They won the FCS National Championship in 1998.

Sorry Warhawks; your time is up!
The other team designated to go to the FCS is aforementioned UL Monroe. The lowest budget among all FBS schools by far at $18M in revenues justifies this decision enough. Louisiana Tech is not far off. They earned $22.8M in 2024 followed by Northern Illinois at $29.2 M. Then others come in at over $32M at the least.
On top of that since 1994, when the Warhawks stepped up into the highest level of D1 football, they’ve achieved only one winning season – 8-5 in 2012. That season, they fell in their only bowl at the Independence Bowl in nearby Shreveport to Ohio U, 45-14. Four times they finished 6-6 at their next best. It’s been a dismal 31 years for UL-Monroe in the FBS. The NCAA could welcome them into a more competitive situation among FCS conferences.
Starts with Money, but Performance matters here, too.
Of the 68 teams evaluated eligible to play in FBS-I, the goal comprised to maintain a total of 64 (eight regions of eight teams). In this example, the bottom four derived from their 2025 records only. This infamous “Final Four” came down to Oklahoma State (1-11), Arkansas (2-10), Boston College (2-10), and Purdue (2-10). No tie breakers necessary at the end of 2025. These big spenders rendered the four worst FBS records of all in 2025. They would join FBS-II in 2026 to determine the 64 teams left to compete in FBS-I Division for the next two seasons.
Next step: A German Soccer model
Over my Purchasing career of 40 years including many working for large international chemical companies, I met with, got to know and visited many people from Europe. One German colleague I got to know well not only settled in the US and married a Central Michigan grad, his brother attended LSU and both became avid American football fans. On a trip together in Germany, he talked about his favorite soccer team. I knew little about German soccer, but I did learn something interesting.
His favorite team from his city, played in a lower league than some for the more well-known soccer clubs in Germany. Not really considered a minor league team by our baseball standards. He explained a system where every few years, a review was done regarding where all teams finished within their leagues. The most successful ones at the lower level would be able to join the upper level replacing some of the less competitive teams. They would switch places. A winning season at the lower level was rewarded with a promotion to play at the higher level. I don’t recall the exact trigger they used but envision something like that similar here.
Not a perfect solution, but consider the Two-championship FBS plan for Fun and Fairness
Below, take a look at the two-championship FBS divisions determined after final analysis to select the top 64 teams qualified financially. The eight region members of each in FBS-I were derived next with geographic and historical considerations. In most cases, each has some of its prime, long-term rivals competing in their region. Also, don’t forget, each will play other teams from the other five regions annually. This can be done on a rotating basis, or like the NFL, non-conference or inter-regional games can be based on some kind of format determined on the annual final standings of all teams within each region. That would need to be determined by smart people using computers in the NCAA administration. Not a Guru, or this one any way.
FBS-I
| Region 1 | Region 2 | Region 3 | Region 4 | Region 5 | Region 6 | Region 7 | Region 8 |
| Maryland | Clemson | Alabama | Cinn | ILL | Baylor | BYU | Ariz St |
| Penn St | Duke | Auburn | Kentucky | IND | Houston | Colorado | Arizona |
| Pitt | Ga Tech | Florida | Louisville | Mich St | Okla | Iowa | Cal |
| Rutgers | NC State | FSU | LSU | Michigan | SMU | Iowa St | Oregon |
| Syracuse | North Carolina | Georgia | Minn | Notre Dame | TCU | Kansas | Stanford |
| VA Tech | South Carolina | Miami (F) | Mizzou | N’west | Texas | KSU | UCLA |
| Virginia | UCF | Miss St | Tenn. | Ohio State | Texas A&M | Nebraska | USC |
| WVU | Wake Forest | Ole Miss | Vandy | Wisc. | Texas Tech | Utah | U of Wash. |
FBS-II: more challenging, but final result seems acceptable
The challenge here was to maintain an eight-region format to enable a 24-team playoff. To do this for FBS-II, nine teams needed to be selected in each region. A little more stretching and manipulation required to configure some of these. See what you think. Also, consider changes to come based on the “German soccer model.” Initial suggestion: review every two years.

If one of the four teams in red below, identified because of their upper financial status, posts two winning seasons in a row, they get to move up into FBS-I. That year, they will replace the lowest seeds in FBS-I by record to switch with. In some cases, to offer geographic and historic preferences, some teams may be required in FBS-II to change regions. A little complex, but not impossible to determine. Changing regions that affect schedules could lead to some variety in scheduling which fans may appreciate.
FBS II: Eight regions but nine teams in each; four flex teams eligible for FBS-I
| Region 1 | Region 2 | Region 3 | Region 4 | Region 5 | Region 6 | Region 7 | Region 8 |
| Army | App St | Akron | Ball State | Jax St | Ark St | Air Force | Fresno |
| BC | Charlotte | BGSU | CMU | Kenn | Arkansas | Boise | Hawaii |
| Delaware | Coastal | Buff | EMU | LA Tech | NTSU | Col St | Nevada |
| ECU | FAU | Kent | Mo State | Louisiana | Ok ST | NDSU | Ore St |
| Navy | FIU | Marshall | MTSU | So Ala | Rice | New Mex | Sac St |
| ODU | GA South | NIU | Memphis | So Miss | SHSU | NM State | SDSU |
| Temp | GA State | Miami O | Purdue | Troy | Tulsa | Utah St | SJSU |
| UConn | JMU | Ohio | WKU | Tulane | TXST | UTEP | UNLV |
| USF | Liberty | Toledo | WMU | UAB | UTSA | Wyo | Wash St |
Voice of College football’s most Dedicated Fan
Of course, these are ideas from nobody more than an avid college football fan of the entire sport, not just one team. 740 games to date and every FBS team seen in action at least once; FCS, D-2 and D-3 teams also in our 47-year history and more this upcoming season.
Basically, a major overhaul like this needs a boost with somebody from the 30,000-foot level and not those among the weeds seeking changes. These ideas can hopefully open some eyes to help improve this great sport so many enjoy. A lot to digest here. Think about these. Now, let me go talk some sense into that Judge!
Read our Great History of Games among our First 42 Seasons!
If you haven’t already, please click on the title about this life-long adventure: Fifty Years of Tailgate Tales: The Good, the Fun, and the Ugly on Amazon.com. Among 740 college games attended to date now, we’ve seen all 136 Football Bowl Subdivision (FBS) teams play in person at least once. By the way, in case you aren’t aware, North Dakota State and Sacramento State join the FBS this season. “Fifty Years” tells our story of how we got up to our first 652 games!
Read the reviews on the book page and get your copy today. If you’re trying to follow NILs and transfer portals, read what we predicted in 2023 and more. Hopefully, you’ll understand how much we love this sport and want we propose these changes for it to survive successfully. In addition, we offered solutions to issues occurring that we anticipated when we wrote this book. Please buy your copy today, enjoy it, and read about the many great memories captured. Maybe these will bring back some of the same memories you encountered when we did!
Edited and written by Stephen J. Koreivo, member of Football Writers Association of America (FWAA) and Author of “Fifty Years of Tailgate Tales: The Good, the Fun and the Ugly.”

















































































