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How could a mid-major qualify for the College Football Playoff?

Fiesta Bowl champ UCF would have had a difficult time challenging for a spot in the four-team playoff.

Fiesta Bowl champ UCF would have had a difficult time challenging for a spot in the four-team playoff.

In other words, all of the stars would have to align. A mid-major qualifying for the coming four-team playoff would only happen in an extremely rare scenario, much like Wichita State securing a No. 1 seed in the tournament.