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1. Oklahoma 12-1
2. Clemson 12-1
3. Georgia 12-1
4. Alabama 11-1
5. Auburn 10-3
6. Ohio State 11-2
7. USC 11-2 - The Trojans are the class of the Pac-12 this year and an upset by WSU or a blowout to Notre Dame away from being a legit Playoff contender. They have a shot at the Top 5 if they can get past Ohio State in Dallas.
8. Penn State 10-2
9. Wisconsin 12-1
10. Stanford 9-4 - I hate punishing teams for losing conference championship games so I won’t do that to Stanford. Plus, two of these losses are against USC so the extra loss doesn’t really mean anything to me.
11. Miami 10-2
12. UCF 12--0
13. Washington 10-2 - Don’t hate me Husky fans. I think the Huskies can play with anyone in the country and were a couple bad breaks away from going 12-0, but they didn’t prove a ton this year yet. They will get their chance against Penn State in the Fiesta Bowl.
14. TCU 10-3
15. Notre Dame 9-3
16. LSU 9-3
17. Northwestern 9-3
18. Michigan State 9-3
19. Washington State 9-3 - The Cougars beat Stanford and USC, but got blown out by Arizona, Cal and Washington. They were super hot and cold, but get a big proving game in the Holiday Bowl against Michigan State.
20. Oklahoma State 9-3
21. Virginia Tech 9-3
22. Memphis 10-2
23. South Florida 9-2
24. Mississippi State 8-4
25. Michigan 8-4
On the edge
San Diego State, Louisville, NCState, South Carolina, Iowa