#19 Oklahoma at #1 Georgia headlines week 4 Savvy Index predictions – Savvy Game Line

  Savvy Index   2026       predictions week 4         9/21/26       rank  accuracy last week:        65-11                       this season: 227 – 33 wins losses game value   14 Oregon 2 1 34 Oregon’s defense is better than USC”s in stopping 20 USC 4 0 31 the run and the Duck secondary already has 5 interceptions.               Oregon St. 1 2 35 Oregon St. qb Braden Atkinson   UTEP 1 2 19 is 2nd in the nation for most passing yards.               Minnesota 2 1 25 UW may be 3-0 but its  against weak opponents. The   Washington 3 0 28 Huskies are performing far below Savvy Index projections.               Arizona 2 1 33 Experts say the margin will be just 10.5 but   Washington St. 1 2 21 WSU rush defense ranks 129th in the nation.               UNLV 0 2 36     Akron 1 2 17                 S Carolina 2 1 21 This is a big, big upset chance 7 Alabama 3 0 32 according to Savvy Index metrics.               Tulsa 3 0 23 Tulsa is climbing fast while   Arkansas 1 1 32 Arkansas is dropping like a rock.               Kennesaw St. 1 1 31     Arkansas St. 1 2 24                 Vanderbilt 3 0 24 Vandy has a higher ranking   Auburn 2 1 30 but Auburn has better Savvy metrics.                Colorado 2 1 24 Colorado is 6th in the nation   Baylor 2 1 32 for giving the ball up on fumbles.               Virginia Tech 3 0 32 Virginia Tech is way   Boston Col 2 1 13 above expectations this year.               USF 3 0 43 Bowling Green has the worst rush defense in the nation   Bowling Green 0 3 15 and is also second in the nation for most fumbles.               Robert Morris 2 1 6     Buffalo 1 2 40                 Clemson 2 1 34 Oddsmakers favor   California 2 1 22 Cal. but Savvy is firm on Clemson.               Louisiana 2 1 33 Louisiana scored 30 on   Charlotte 0 3 21 USC so expect a lot of points vs Charlotte.               Kansas St. 3 0 31 I think Savvy and the experts are too lean   Cincinnati 3 0 24 with their one possession spread.               Liberty 2 1 30 Liberty has been above the Savvy spread twice.   Coastal Car 1 1 16 C Carolina has yet to beat the Savvy spread.               William & Mary 1 3 0   22 Duke 3 0 51                 N Carolina Central 0 5 3 In the preseason, this would have been a 21 pt difference.   E Carolina 1 2 46 But, NCC has fallen so fast that its ballooned to 43 points.               Lindenwood 1 2 20 Lindenwood should finally show   E Michigan 1 3 33 an aerial attack and keep the margin reasonable.             8 Mississippi 3 0 31 Upset … that is if you agree 21 Florida 3 0 27 with oddmakers that say Florida will win.               Long Island 0 4 11 Long Island has played the   Florida Intl. 1 2 41 hardest schedule in FCS               C Arkansas 2 2 3     Florida St. 1 2 59                 Rice 1 2 20 The betting lines say just 44.5   Fresno St. 2 1 37 combined points. It will be much higher.             19 Oklahoma 2 1 21  Georgia is just plain head and 1 Georgia 2 0 33  shoulders better than Oklahoma.               N Illinois 0 3 21 Georgia State has   Georgia St. 1 1 31 been on fire all year.               Houston 2 1 43 Georgia So. only lost to   Georgia So. 1 2 16 Clemson by 2 possessions.               Northwestern 2 0 17 Indiana hasn’t shown all of its cards yet 6 Indiana 3 0 32 but the Hoosiers will against a rising NW team.             12 Utah 3 0 30     Iowa St. 2 1 17                 Middle Tenn 2 1 24 Middle Tenn is better this year but JSU qb   Jacksonville St. 2 2 30 Caden Creel is one of the most prolific dual threats in the country.               Ball St. 1 2 23 This is the showdown for dominance   Kent St. 1 2 24 in the MEAC – said no one ever.               S Alabama 2 1 17 Careful here … S Alabama is one of   Kentucky 2 1 38 the hottest teams on Savvy Index.               Wake Forest 2 1 21   24 Louisville 2 1 31                 Florida Atl. 2 1 31     LA Monroe 0 3 20               16 Texas A&M 2 1 31 Two big losers last week 18 LSU 1 1 32 will deliver a fierce game.               Gardner-Webb 1 3 17     Marshall 2 1 35                 UCLA 3 0 26 Upset alert. UCLA is predominantly a rushing team   Maryland 2 1 23 but Maryland is 7th best in the nation for stopping runs.               C Michigan 2 1 7   5 Miami Fl 3 0 46                 Connecticut 2 1 24 Upset … Vegas   Miami Oh 1 2 21 favors Miami O.             15 Iowa 2 0 19 I personally think 10 Michigan 3 0 21 Iowa wins this.               Nebraska 3 0 28     Michigan St. 2 1 13                 Missouri 3 0 21 Mississippi State qb Kamario Taylor   Mississippi St. 3 0 27 is second in the nation for most td passes thrown.               Air Force 1 1 28 Air Force is grounded. The Falcons have    Nevada 1 2 23 attempted only 22 passes so far this season.               New Mexico 2 1 36 New Mexico is 10th   New Mexico St. 1 1 17 in the nation for rush defense ypc.               App State 3 0 21 High upset alert. ASU coach Dowell Loggains   N Carolina St. 1 2 32 has finally had time to implement his program and it’s working.               Houston Christian 2 1 14     N Texas 1 2 52                 Stonehill 1 3 7     Ohio 1 2 43                 Illinois 2 1 14   4 Ohio St. 2 1 38                 James Madison 3 0 34     Old Dominion 1 2 17                 Wisconsin 2 1 15 Wisconsin wants to pass and open things up more. 13 Penn St. 3 0 32 Penn St. has an amazing pass defense.               Bucknell 1 3 0 Bucknell has qb Christoper 23 Pittsburgh 3 0 54 Dietrich but not much else.             2 Notre Dame 3 0 39     Purdue 1 2 14                 Howard 1 2 3 Howard opponents have scored   Rutgers 0 3 42 11 times through the air already.               Massachusetts 3 0 31 UMass has a nice win over Big 10 Rutgers   Sacramento St. 1 3 24 but the other two wins were against FCS teams.               Missouri State 1 2 16 It seems to me that oddsmakers too often   SMU 2 1 41 underestimate Missouri State. Now, Vegas shows 34.5 spread.               Georgia Tech 1 2 35 Stanford has a Hall of Fame former qb as general manager and   Stanford 1 2 21 it’s greatest upset qb of all time as its head coach yet the offense averages less than 17 ppg.               Army 1 1 31 Temple is much better than   Temple 0 3 24 last year but not enough to win this week.             3 Texas 3 0 28 This is Texas’ first road game. 11 Tennessee 3 0 24 The ‘horns didn’t travel well last season.               Incarnate Word 2 1 21 Incarnate Word is routinely beating   Texas St. 1 2 41 the odds but not enough to win this game.               Sam Houston 1 2 10 My personal opinion is the spread will be 17 Texas Tech 3 0 41 less than the experts’ 35.5 margin.               San Diego St. 1 2 24 San Diego State’s turnovers   Toledo 2 1 26 have been a big, big problem.               S Miss 1 2 27 Oddmakers give Tulane   Tulane 1 2 28 a three possession spread.               Navy 1 1 36 Watch this one because   UAB 1 2 18 UAB has a high upset rating.               TCU 2 1 32     UCF 2 1 21                 Troy 2 1 28 Upset.   Utah St. 0 3 24 Experts favor USU by 3.               Colorado St. 2 1 29 Upset.   UTSA 1 1 27 UTSA commits more than 11 penalties per game.               Delaware 1 1 10 Although Virginia is a run-first team,   Virginia 2 0 37 the Cavs average FIVE passing tds per game.               Mercyhurst 1 3 17 Two of Mercyhurst’s losses   W Kentucky 0 3 40 have come against FBS opponents.               Boise St. 2 1 32     W Michigan 2 1 24                 Oklahoma St. 1 1 27 No one has stopped W Virginia rb Michael Hawkins   W Virginia 2 1 29 who averages 7.3 ypc and 2 rushing tds per game.               Hawai’i 1 2 33 Hawai’i qb Micah Alejado is in the   Wyoming 1 2 14 top five nationally of most passing stats.