| AUBURN | -34 | Louisiana Tech |
| Baylor | -23.5 | IOWA STATE |
| Boise State | -14.5 | AIR FORCE |
| BOSTON COLLEGE | -2.5 | Colorado State |
| Bowling Green | -14 | MASSACHUSETTS |
| BUFFALO | -14.5 | Miami (OH) |
| CALIFORNIA | -11.5 | Colorado |
| CLEMSON | -10.5 | North Carolina |
| Florida State | -27.5 | N.C. STATE |
| Fresno State | -3 | NEW MEXICO |
| GEORGIA | -19 | Tennessee |
| INDIANA | -4 | Maryland |
| Iowa | -13.5 | PURDUE |
| KANSAS STATE | -31 | Utep |
| KENTUCKY | -12 | Vanderbilt |
| LOUISIANA-MONROE | -6.5 | Troy |
| LOUISVILLE | -21 | Wake Forest |
| LSU | -47 | New Mexico State |
| MIAMI (FLA.) | -5.5 | Duke |
| MICHIGAN | -7 | Minnesota |
| MICHIGAN STATE | -33.5 | Wyoming |
| Middle Tennessee | -1.5 | OLD DOMINION |
| MISSISSIPPI | -24 | Memphis |
| NAVY | -6.5 | Western Kentucky |
| NEBRASKA | -17.5 | Illinois |
| Nevada | -1 | SAN JOSE STATE |
| Notre Dame | -13 | SYRACUSE |
| OHIO STATE | -13 | Cincinnati |
| PENN STATE | -10 | Northwestern |
| PITTSBURGH | -17 | Akron |
| Rice | -13.5 | SOUTHERN MISS |
| RUTGERS | -11 | Tulane |
| SAN DIEGO STATE | -16 | Unlv |
| South Alabama | -8 | IDAHO |
| SOUTH CAROLINA | -6 | Missouri |
| Stanford | -4.5 | WASHINGTON |
| Tcu | -27.5 | SMU |
| Temple | -6 | CONNECTICUT |
| Texas | -16.5 | KANSAS |
| Texas A&M | -15.5 | Arkansas |
| TOLEDO | -13.5 | Central Michigan |
| TULSA | -4 | Texas State |
| UAB | -11.5 | Fiu |
| USC | -12.5 | Oregon State |
| UTAH | -11.5 | Washington State |
| Utsa | -4.5 | FAU |
| VIRGINIA | -21 | Kent State |
| VIRGINIA TECH | -27.5 | Western Michigan |
| WISCONSIN | -33.5 | Usf |
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Rules and Regulations
Pick three teams that are underdogs. If your team wins the game outright, you get the points they were underdogs by. For example: You pick Texas El Paso to beat Buffalo. If they do, you earn 3 points. We keep a running tally each week and the winner gets a trophy at the end of the year. Pick wisely.