| ALABAMA | -39 | Fau |
| Arizona State | -27 | NEW MEXICO |
| ARMY | -1 | Buffalo |
| AUBURN | -29 | San Jose State |
| BOISE STATE | -8 | Colorado State |
| BOSTON COL | -1 | Pittsburgh |
| COLORADO | -17 | Massachusetts |
| Duke | -18 | TROY |
| FLORIDA | -38 | E Michigan |
| GEORGIA STATE | -3 | New Mexico St |
| Georgia Tech | -10 | TULANE |
| ILLINOIS | -2.5 | W Kentucky |
| IOWA | -20 | Ball State |
| Kansas State | -15.5 | IOWA STATE |
| KENT STATE | -2.5 | South Alabama |
| KENTUCKY | -6 | Ohio |
| LA-LAFAYETTE | -16 | Louisiana Tech |
| LA-MONROE | -11.5 | Idaho |
| Maryland | -10 | USF |
| MINNESOTA | -14 | Mtsu |
| MISS STATE | -28.5 | Uab |
| Mississippi | -14 | VANDERBILT |
| Missouri | -5.5 | TOLEDO |
| N CAROLINA | -13.5 | San Diego State |
| N.C. STATE | -17 | Old Dominion |
| Navy | -4 | TEMPLE |
| NORTHWESTERN | -2.5 | N Illinois |
| NOTRE DAME | -6 | Michigan |
| OHIO STATE | -12 | Virginia Tech |
| Oklahoma | -23 | TULSA |
| OREGON | -11 | Michigan State |
| Oregon State | -11 | HAWAII |
| PENN STATE | -18 | Akron |
| PURDUE | -2.5 | C Michigan |
| S CAROLINA | -15.5 | East Carolina |
| Smu | -1 | NORTH TEXAS |
| STANFORD | -4 | Usc |
| TENNESSEE | -14 | Arkansas State |
| TEXAS | -4.5 | Byu |
| Texas Tech | -18 | UTEP |
| UCLA | -24 | Memphis |
| UTAH | -7.5 | Fresno State |
| Wash State | -3 | NEVADA |
| WYOMING | -1 | Air Force |
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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.