Illinois at Indiana spotlight week four Savvy Index predictions

  Savvy Index   2025    
  predictions week 4 09/14/25  
         
top 25 last week: 55 – 15 season: 204 – 43 wins losses game values notes
  Oregon St. 0 3 10 Experts set the spread
2 Oregon 3 0 52 at 34.5.
           
  Washington 2 0 43 Washington State can’t stop the run.
  Washington St. 2 1 13 Guess what the Huskies like to do.
           
  Boise St. 1 1 36  
  Air Force 1 1 21  
           
FCS Duquesne 1 2 14 Keep an eye on Akron because
  Akron 0 3 40 the Zips are starting to compete.
           
  N Texas 3 0 36 Experts favor Army but
  Army 1 1 24 NoTexas will win this.
           
  Arizona St. 2 1 27 The schedule doesn’t get any
  Baylor 2 1 31 easier after this for Arizona State.
           
  Troy 1 2 28 Upset … Vegas really
  Buffalo 2 1 20 likes Buffalo in this one.
           
  Rice 2 1 29 Charlotte has among the highest
  Charlotte 1 2 20 negative trends on Savvy.
           
  Syracuse 2 1 26 Oddsmakers say Clemson by
  Clemson 1 2 28 over 17 but it will be less.
           
FCS Wagner 0 3 12  
  C Michigan 1 2 39  
           
  Wyoming 2 1 21  
  Colorado 1 2 24  
           
  UTSA 1 2 37  
  Colorado St. 1 1 23  
           
  Ball St. 1 2 21  
  Connecticut 1 2 32  
           
  N Carolina St. 3 0 33 Bookmakers favor
  Duke 1 2 21 Duke by a field goal.
           
10 BYU 2 0 32 E Carolina is playing better than
  E Carolina 2 1 14 expected except for poor rushing.
           
  Louisiana 1 2 33 Each of these teams has at
  E Michigan 0 3 24 least 10 negative trends on Savvy.
           
  Delaware 2 1 24 FIU will win but Delaware’s
  Florida Intl. 2 1 34 Nick Minucicci is worth watching.
           
  Kent St. 1 2 7  
9 Florida St. 2 0 52  
           
FCS Maine 0 3 17 Do we really have to play this game?
  Georgia So. 1 2 42 Can’t someone just call it in?
           
  Temple 2 1 14  
23 Georgia Tech 3 0 41  
           
  Fresno St. 3 1 31  
  Hawai’i 3 1 17  
           
6 Illinois 3 0 32 Indiana’s Fernando Mendoza looks
22 Indiana 3 0 21 like a Heisman candidate.
           
FCS Murray St. 0 3 14  
  Jacksonville St. 1 2 28  
           
  W Virginia 2 1 28 Upset prediction … WVU has positive
  Kansas 2 1 24 momentum; Kansas is negative.
           
  Arkansas St. 1 2 27  
  Kennesaw St. 1 2 26  
           
  James Madison 1 1 27 Liberty will eventually get things
  Liberty 1 2 21 going but when?
           
  Bowling Green 2 1 20 Drew Pyne finally found a home and
12 Louisville 2 0 37 is doing well at Bowling Green.
           
  S Miss 2 1 27 I personally think SoMiss wins
  LA Tech 2 1 28 this by more than 6.
           
FCS S E Louisiana 2 1 7 SE Louisiana is pretty
18 LSU 3 0 40 good for an FCS.
           
  Arkansas 2 1 34 Memphis has played well but
  Memphis 3 0 27 Arkansas is a much tougher opponent.
           
  Florida 1 2 14 I like Savvy’s 22 point spread more than
7 Miami Fl 3 0 36 Vegas’ 7.5 even tho I’m not a Miami fan.
           
  UNLV 3 0 38 Neither team is playing well.
  Miami Oh 0 2 14 Vegas says UNLV by just 3.5.
           
  Marshall 1 2 31 Experts set the spread
  Middle Tenn 1 2 20 at just 2.5 favoring Marshall.
           
  Tulane 3 0 23  
5 Mississippi 3 0 35  
           
  N Illinois 1 1 14 Neither team has played
  Mississippi St. 3 0 32 a strong schedule.
           
  S Carolina 2 1 14  
21 Missouri 3 0 33  
           
FCS Tenn-Martin 0 3 14  
  Missouri State 1 2 40  
           
19 Michigan 2 1 31 To me, this looks like an
  Nebraska 3 0 20 upset win for Nebraska.
           
  Purdue 2 1 15 Purdue is much better this year
13 Notre Dame 0 2 39 but NDame is better – and hungry!
           
FCS Gardner-Webb 2 1 10 This should be the start of a
  Ohio 1 2 39 nine-game win streak for Ohio.
           
  Auburn 3 0 17 Oklahoma has given up one
8 Oklahoma 3 0 35 touchdown all year.
           
  Tulsa 1 2 24 I think Savvy is a little modest
  Oklahoma St. 1 1 31 in this seven point spread.
           
24 Iowa 2 1 26 Very high upset rating.
  Rutgers 3 0 20  
           
  California 3 0 39 Bookies say Cal by 13.5
  San Diego St. 1 1 12  
           
FCS Idaho 0 1 10  
  San Jose St. 0 2 35  
           
  Coastal Car 1 2 20 Coastal Carolina leads Savvy with
  S Alabama 1 2 30 bad trend lines … 19 of them!
           
  SMU 2 1 24 Bookies say TCU by 6.5 but
  TCU 2 0 35 SMU won’t get that close.
           
  UAB 2 1 17 Lots of offense but this game is
16 Tennessee 2 1 56 going to be over by halftime.
           
  Sam Houston 0 3 9 Any questions?
14 Texas 2 1 41  
           
FCS Nicholls 1 2 17  
  Texas St. 2 1 44  
           
  N Carolina 2 1 28 Experts favor UCF.
  UCF 2 0 25  
           
  Michigan St. 3 0 21 Given his back story, It’s good to see
  USC 3 0 40 MSU’s Aiden Chiles excelling now.
           
FCS S Carolina St 2 1 13  
  USF 2 1 41  
           
20 Texas Tech 3 0 28 Utah has yet to be tested so
25 Utah 3 0 30 favoring the Utes seems risky.
           
FCS McNeese St. 1 2 12 What a great job Mendenhall
  Utah St. 2 1 47 has done at Utah State.
           
  LA Monroe 1 1 21  
  UTEP 1 2 30  
           
  Georgia St. 1 2 17 I doubt Georgia State gets to 17
  Vanderbilt 3 0 39 points … not even to 12.
           
  Stanford 1 2 17 Virginia … one of the
  Virginia 2 1 33 hottest teams in the country.
           
FCS Wofford 0 3 13 Wofford has lost 3 games by combined 4 pts.
  Virginia Tech 0 3 42 Will VaTech be better now that Fry was fried?
           
  Maryland 3 0 25 Vegas favors Wisconsin but
  Wisconsin 2 1 21 Savvy says this will be an upset.
           
  Nevada 1 2 18 Chubba Purdy just isn’t
  W Kentucky 2 1 37 cutting it as Nevada qb.
           
  Toledo 2 1 40 Both teams have played good but
  W Michigan 0 3 13 Toledo has played gooder.
  Savvy Index vs the betting lines        
  Predicting winners:    1% better than betting lines      
  Point spreads:     17 games better than betting lines      
  Total game points:     17 games worse than betting lines      
         

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