| Savvy Index | 2025 | ||||
| predictions | week | 1 | |||
| 08/25/25 | |||||
| top 25 | Last week: 4-1 Season: 4-1 | wins | losses | game values | notes |
| FCS | Montana St. | 14 | revised 8/27/2025 | ||
| 7 | Oregon | 45 | |||
| California | 24 | ||||
| Oregon St. | 28 | ||||
| Colorado St. | 20 | ||||
| Washington | 37 | ||||
| FCS | Idaho | 17 | I’m not high on either one | ||
| Washington St. | 36 | of these new coaches. | |||
| FCS | Bucknell | 7 | |||
| Air Force | 35 | ||||
| Wyoming | 34 | Akron is better this year but | |||
| Akron | 14 | the 7 point spread by experts is too low. | |||
| Hawai’i | 1 | 0 | 24 | I dunno . . . Hawai’i looks | |
| Arizona | 33 | better than we all thought. | |||
| FCS | N Arizona | 8 | |||
| 24 | Arizona St. | 42 | |||
| FCS | Alabama A&M | 10 | |||
| Arkansas | 41 | ||||
| FCS | S E Missouri | 21 | |||
| Arkansas St. | 33 | ||||
| FCS | Tarleton St | 1 | 0 | 14 | If Tarleton can defend Army’s |
| Army | 40 | flexbone, this will be a tight game. | |||
| Auburn | 27 | Experts favor Auburn but the Tigers played only | |||
| Baylor | 28 | four road games last year and were 1-4. | |||
| FCS | Fordham | 10 | |||
| Boston Col | 44 | ||||
| FCS | Lafayette (Penn) | 14 | Lafayette should be top 35 in | ||
| Bowling Green | 37 | FCS but BGSU is a solid FBS. | |||
| FCS | Portland St. | 10 | |||
| 13 | BYU | 51 | |||
| App State | 31 | … but watch this one because Charlotte | |||
| Charlotte | 24 | is emerging quickly. | |||
| Nebraska | 28 | ||||
| Cincinnati | 20 | ||||
| 24 | LSU | 28 | There’s chaos in the Bayou | ||
| 8 | Clemson | 32 | and new life in Death Valley. | ||
| Georgia Tech | 30 | ||||
| Colorado | 28 | ||||
| FCS | C Conn St. | 10 | |||
| Connecticut | 37 | ||||
| FCS | Delaware St. | 13 | Savvy sees an easy Delaware win | ||
| Delaware | 41 | but I think it will be much closer. | |||
| FCS | Elon | 10 | Bookies say Duke by | ||
| Duke | 40 | a spread of 34.5. | |||
| FCS | Long Island | 6 | |||
| Florida | 47 | ||||
| FCS | Bethune-Cookman | 10 | |||
| Florida Intl. | 35 | ||||
| 10 | Alabama | 32 | Oddsmakers like | ||
| Florida St. | 24 | Alabama by more than 13. | |||
| Georgia So. | 28 | Experts favor Fresno St. but | |||
| Fresno St. | 0 | 1 | 24 | I agree with Savvy. GSU wins. | |
| Marshall | 10 | ||||
| 3 | Georgia | 45 | |||
| FCS | Stephen F Austin | 17 | Houston was 4-8 last year | ||
| Houston | 35 | but will get to a bowl this year. | |||
| FCS | W Illinois | 0 | The battle of two programs headed in | ||
| 18 | Illinois | 50 | opposite directions. | ||
| Old Dominion | 17 | ||||
| Indiana | 35 | ||||
| FCS | Albany | 7 | |||
| Iowa | 37 | ||||
| FCS | S Dakota | 10 | S Dakota is an FCS national champ | ||
| 14 | Iowa St. | 1 | 0 | 37 | contender but ISU is too strong. |
| FCS | Weber St. | 10 | Vegas says JMU by | ||
| James Madison | 45 | just 25.5. | |||
| FCS | Wagner | 0 | |||
| Kansas | 1 | 0 | 49 | ||
| FCS | N Dakota | 17 | |||
| Kansas St. | 0 | 1 | 44 | ||
| FCS | Merrimack | 10 | Don’t be surprised if Merrimack wins. | ||
| Kent St. | 35 | KSU football is a big mess right now. | |||
| Toledo | 31 | Toledo beat an SEC on the road | |||
| Kentucky | 24 | last year. Vegas favors Kentucky. | |||
| FCS | Maine | 7 | Liberty spread of 25.5 and game | ||
| Liberty | 46 | points of 53.5 will both be over. | |||
| Rice | 21 | ||||
| Louisiana | 35 | ||||
| FCS | E Kentucky | 10 | Eastern Kentucky is a pretty | ||
| 17 | Louisville | 45 | good FCS program but not like UL. | ||
| FCS | St. Francis PA | 13 | I think Savvy is a little too | ||
| LA Monroe | 39 | conservative with this margin. | |||
| FCS | S E Louisiana | 21 | |||
| LA Tech | 35 | ||||
| Florida Atl. | 21 | ||||
| Maryland | 38 | ||||
| Temple | 30 | Identical ratings. Home team gets the nod. | |||
| Massachusetts | 31 | Both teams gave up 35+ ppg last year. | |||
| FCS | Chattanooga | 17 | |||
| Memphis | 44 | ||||
| 2 | Notre Dame | 32 | Sunday. Bookies only give Notre | ||
| 25 | Miami Fl | 21 | Dame a 2.5 margin. | ||
| New Mexico | 10 | ||||
| 9 | Michigan | 44 | |||
| W Michigan | 17 | WMU has trouble vs | |||
| Michigan St. | 31 | Big 10 teams. | |||
| FCS | Austin Peay | 21 | |||
| Middle Tenn | 35 | ||||
| Buffalo | 21 | I tend to agree with bookies who | |||
| Minnesota | 30 | say this will be an 18 pt UM win. | |||
| Georgia St. | 13 | ||||
| 5 | Mississippi | 46 | |||
| FCS | C Arkansas | 10 | Central Arkansas is pretty strong | ||
| 16 | Missouri | 44 | but Mizz has an SEC roster. | ||
| FCS | VMI | 7 | |||
| Navy | 42 | ||||
| FCS | Bryant | 13 | |||
| New Mexico St. | 37 | ||||
| TCU | 30 | Monday | |||
| N Carolina | 27 | ||||
| E Carolina | 13 | ||||
| N Carolina St. | 35 | ||||
| FCS | Holy Cross | 14 | |||
| N Illinois | 32 | ||||
| FCS | Lamar | 17 | |||
| N Texas | 38 | ||||
| 4 | Texas | 24 | Experts favor OSU by 15. | ||
| 1 | Ohio St. | 30 | Have they seen Arch yet??? | ||
| FCS | Illinois St. | 14 | Illinois St can score but | ||
| 20 | Oklahoma | 45 | can the Red Birds get stops? | ||
| FCS | Tenn-Martin | 17 | OSU’s completely rebuilt program | ||
| Oklahoma St. | 42 | needs this to be a big win. | |||
| Nevada | 10 | ||||
| 6 | Penn St. | 46 | |||
| FCS | Duquesne | 7 | |||
| Pittsburgh | 32 | ||||
| Ball St. | 21 | ||||
| Purdue | 33 | ||||
| Ohio | 27 | Upset prediction. Bookies | |||
| Rutgers | 17 | show Rutgers by 15. | |||
| UNLV | 1 | 0 | 34 | UNLV came within a hair of | |
| Sam Houston | 0 | 1 | 21 | being upset by FCS Idaho St. last week. | |
| FCS | Stony Brook | 14 | Experts say San Diego St. | ||
| San Diego St. | 38 | is favored by less than 20. | |||
| C Michigan | 20 | Oddsmakers say SJSU by 12.5 | |||
| San Jose St. | 35 | but it will certainly be more. | |||
| FCS | E Texas A&M | 0 | |||
| 11 | SMU | 54 | |||
| FCS | Morgan St. | 10 | |||
| S Alabama | 37 | ||||
| Virginia Tech | 21 | Sunday game. | |||
| 19 | S Carolina | 27 | |||
| Mississippi St. | 30 | I disagree with Savvy and everyone | |||
| S Miss | 28 | else. SoMiss wins this under new coach Huff. | |||
| 23 | Syracuse | 24 | This is a Syracuse upset | ||
| 12 | Tennessee | 28 | in the making. | ||
| UTSA | 17 | ||||
| Texas A&M | 37 | ||||
| E Michigan | 20 | ||||
| Texas St. | 38 | ||||
| FCS | Ark Pine Bluff | 0 | |||
| 21 | Texas Tech | 54 | |||
| FCS | Nicholls | 17 | Nicholls is suddenly an | ||
| Troy | 30 | FCS title contender. | |||
| Northwestern | 21 | Tulane is pretty | |||
| Tulane | 27 | tough at home. | |||
| FCS | Abilene Christian | 17 | |||
| Tulsa | 41 | ||||
| FCS | Alabama St. | 16 | This game has a moderate | ||
| UAB | 41 | upset rating. | |||
| Jacksonville St. | 30 | Both programs have new coaches. | |||
| UCF | 27 | Savvy says JSU wins in upset. | |||
| Utah | 20 | Utah is nearly a consensus favorite | |||
| UCLA | 28 | but Savvy is solid on UCLA. | |||
| Missouri State | 14 | ||||
| USC | 47 | ||||
| 15 | Boise St. | 40 | USF’s secondary will lead | ||
| USF | 17 | Boise St. to a ton of points. | |||
| UTEP | 24 | Both programs should be | |||
| Utah St. | 32 | much improved in 2025. | |||
| FCS | Charleston S. | 7 | |||
| Vanderbilt | 42 | ||||
| Coastal Car | 27 | ||||
| Virginia | 30 | ||||
| Kennesaw St. | 17 | ||||
| Wake Forest | 35 | ||||
| Miami Oh | 17 | UW will have a tougher time | |||
| Wisconsin | 25 | against Mi (O) than most people think. | |||
| FCS | N Alabama | 9 | |||
| W Kentucky | 1 | 0 | 47 | ||
| FCS | Robert Morris | 10 | I doubt founder Robert Morris will | ||
| W Virginia | 41 | miss the plane. Just sayin’. | |||
| Savvy Index vs the betting lines | |||||
| Predicting winners: | same as betting lines | ||||
| Point spreads: | Savvy 1 game better | ||||
| Total game points: | Savvy -3 games | ||||