Savvy Index   2025       predictions week   14 seldom     11/23/25           last week: 50 – 14                          season: 610 – 197 wins losses game values notes 6 Oregon 10 1 33 Is Oregon too banged up to win this   Washington 8 3 23 tough game on the road?               Oregon St. 2 9 10 The Beavers need an annoucement on   Washington St. 5 6 39 coaches or the portal is going to blow wide open.               Arkansas St. 5 6 33 Savvy Index has a strong disagreement   App State 5 6 21 with experts who favor App St.             25 Arizona 8 3 30 Savvy and the oddsmakers both pick   Arizona St. 8 3 21 Arizona. That surprises me but not much.               Missouri 7 4 37 No, no, no! Arkansas has been within three points of   Arkansas 2 9 21 upsetting three ranked teams. The ‘Backs win this one!             13 Alabama 9 2 33 Are you kidding me Vegas?   Auburn 5 6 16 Alabama by just 3.5??               Houston 8 3 31 Upset … bookies   Baylor 5 6 26 favor Baylor.               Ohio 7 4 32     Buffalo 5 6 14                 UCF 5 6 13 I’m sorry BYU but I still haven’t been 8 BYU 10 1 37 able to adjust to your qb wearing number 47.             24 SMU 8 3 39 I hope Cal elevates Harsin to head coach   California 6 5 15 so no one else has to put up with him.               Toledo 7 4 31 With Toledo’s schedule and high performance   C Michigan 7 4 17 marks, the Rockets may be ranked next week.             19 James Madison 10 1 43 Coastal Carolina has given up   Coastal Car 6 5 14 96 points in just the last two games.               Air Force 3 8 33 Continuity gives AFA   Colorado St. 2 9 21 an edge over struggling CSU.               UTEP 2 9 27 Vegas says Delaware will   Delaware 5 6 24 win by more than one touchdown.             20 Wake Forest 8 3 33 Bookies favor Duke.   Duke 6 5 19                 W Michigan 7 4 32 Both of these teams have played well this season.   E Michigan 4 7 17 It’s just that WMU has, well, played weller.               Florida St. 5 6 28 Indians with no arrows play   Florida 3 8 23 Gators with no teeth.               E Carolina 7 4 33 FAU has been red hot the past month   Florida Atl. 4 7 24 and is ripe to post an upset.             7 Georgia 10 1 36 UGA won by just 44-42 last year   Georgia Tech 9 2 21 at home. Now, GTU is at home. This game is an upset candidate.               Wyoming 4 7 16 Wyoming seldom wins on the road.   Hawai’i 7 4 30 Hawai’i seldom loses at home.               Northwestern 6 5 27 Bookies favor Illinois but Savvy says qb Stone   Illinois 7 4 20 won’t give away interceptions and NWU wins.               W Kentucky 8 3 32 WKU is really good and … well …   Jacksonville St. 7 4 22 there’s a reason Jacksonville is called JV State.             11 Utah 9 2 42 Experts see a two possession Ute win.   Kansas 5 6 10 Savvy sees a 30+ margin.               Colorado 3 8 17 Neither team can stop the run   Kansas St. 5 6 39 so offenses should flourish.               Kennesaw St. 8 3 37 Despite experts’ setting this spead at   Liberty 4 7 17 2.5, KSU will win by at least 3 tds.               LA Monroe 3 8 19     Louisiana 5 6 34                 Kentucky 5 6 33 Betting lines favor Louisville but that   Louisville 7 4 19 just isn’t going to happen.               Georgia So. 5 6 32 Upset… bookies say   Marshall 5 6 29 Marshall by 6.5.               Bowling Green 3 8 30 The issue isn’t whether or not Umass can win…   Massachusetts 0 11 20 can it score 11 points and beat its season average?               Navy 8 2 24 Navy’s Blake Horvath can run but his   Memphis 8 3 33 4% interception rate is among the worst in FBS.               Ball St. 4 7 17 If Ball State could pass without interceptions,   Miami Oh 6 5 28 it would be a bowl team this year.             1 Ohio St. 11 0 32 Vegas sets the spread at two touchdowns 23 Michigan 9 2 14 but it will by more than three.               Maryland 4 7 21 Michigan State hasn’t given up. Now,   Michigan St. 3 8 30 we’ll find out if the A.D. has.               Wisconsin 4 7 28 Experts favor UM but Wisconsin is   Minnesota 6 5 15 has some terrific momentum right now.             10 Mississippi 10 1 37 I personally think MSU keeps this   Mississippi St. 5 6 20 Within 8 points and maybe an upset.               LA Tech 6 5 21 I agree with Mizz State admins —-   Missouri State 7 4 31 they deserve a bowl game.               Iowa 7 4 27 Keep an eye on this one because   Nebraska 7 4 17 Iowa won by just three points last year.               UNLV 9 2 36 Vegas … can’t you even rate your own team?   Nevada 3 8 17 The Rebs will win by 15+ not 9.5.             25 San Diego St. 9 2 30 New Mexico has won its last   New Mexico 8 3 17 five games so this should be competitive.               Middle Tenn 2 9 23     New Mexico St. 4 7 28                 N Carolina 4 7 24 UNC is 131st in the   N Carolina St. 6 5 28 nation for yards per game.               Kent St. 4 7 24     N Illinois 3 8 27                 Temple 5 6 17 UNT leads the nation 21 N Texas 10 1 44 in total offense.               LSU 7 4 17 LSU looks very confused to me. I know—- 9 Oklahoma 9 2 31 interim coach, but it shouldn’t be this bad.               Iowa St. 7 4 37 OSU better name an elite head coach soon or   Oklahoma St. 1 10 13 this roster will portal out.               Georgia St. 1 10 10     Old Dominion 8 3 46               14 Miami Fl 9 2 29 I disagree with everyone and 16 Pittsburgh 8 3 24 say Pitt will upset Miami.             3 Indiana 11 0 43 Purdue will lose by a lot but battle   Purdue 2 9 13 well throughout the game.               Penn St. 5 6 36     Rutgers 5 6 17                 Florida Intl. 6 5 36 Everyone seems to start a winning streak after beating   Sam Houston 2 9 17 Oregon State, but SHSU’s win streak ends this week.               Fresno St. 7 4 35 If you’re looking for a “gimme”, take   San Jose St. 3 8 16 the over on bookies’ 2.5 spread.               Clemson 6 5 24     S Carolina 4 7 27                 Troy 7 4 24 What happened to SoMiss last   S Miss 7 4 28 week? Time to rebound.             5 Notre Dame 9 2 41 Stanford can run, can’t pass, and has only   Stanford 4 7 13 Surpassed 20 points three times in 2025.               Boston Col 1 10 32 The battle to see who is the   Syracuse 3 8 24 prettiest of two ugly sisters.               Cincinnati 7 4 34 Vegas favors UC although the ‘Kats have   TCU 7 4 24 lost three straight.             12 Vanderbilt 9 2 36 Oddsmakers say Tennessee but I agree   Tennessee 8 3 27 Savvy Index that Vandy is better.             2 Texas A&M 11 0 32 Longhorn fans aren’t going 17 Texas 8 3 22 to like this one.               S Alabama 4 7 32     Texas St. 5 6 30                 Charlotte 1 10 10   22 Tulane 9 2 40                 UAB 3 8 25 Tulsa… if you wana win your third straight, be   Tulsa 4 7 34 sure to check UAB for knives before the game.               UCLA 3 8 14 I only talked to two USC grads after Troy lost to Oregon. 18 USC 8 3 43 I was polite. I ordered fries.               Rice 5 6 20     USF 8 3 41                 Boise St. 7 4 30 Experts favor BSU but   Utah St. 6 5 29 Savvy is solid with USU.               Army 5 5 21 Army has 891 passing yards all season.   UTSA 6 5 34 UTSA’s McCown to McCuin is over 1400 by themselves.               Virginia Tech 3 8 14 Not much doubt about 15 Virginia 9 2 34 this game.             4 Texas Tech 10 1 39     W Virginia 4 7 17              
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