College Football Playoff Predictions: We Asked ChatGPT to Pick the Winners of All 11 Games

The College Football Playoff has leveled up. With a 12-team bracket and campus-site games, December now feels like a mini-bowl season of its own.

Four first-round matchups on December 19 and 20 will decide who moves on to face the rested top four seeds, and who heads home wondering what might have been.

To make sense of the chaos, we recruited ChatGPT as our resident numbers nerd and asked it to march through the entire bracket, picking straight-up moneyline winners for every single game, all the way to the national title.

No spreads to sweat, no advanced calculus required—just simple “who wins?” NCAAF picks designed to keep things as sweat-free and fun as possible. All odds are courtesy of FanDuel.

CFP First Round predictions

Alabama vs Oklahoma

Moneyline prediction: Alabama (-122)
Odds: Alabama -2.5; total 40.5.

FanDuel has Alabama as a short road favorite at -2.5 and -122 on the moneyline, implying only a modest edge over Oklahoma. In a spread range under a field goal, many casual bettors prefer the moneyline route rather than sweating a late one-point win.

The relatively low total of 40.5 suggests a tighter, more possession-driven game where every mistake is magnified. In that kind of environment, backing the small favorite to simply survive and advance makes sense. For a straight-up wager, Alabama is the pick, even in a hostile road atmosphere.

Miami vs Texas A&M

Moneyline prediction: Texas A&M (-176)
Odds: Texas A&M -3.5; total 51.5.

This one sets up as a more traditional favorite-vs-upset scenario. Texas A&M is laying -3.5 with a -176 moneyline, signaling that FanDuel sees the home team as clearly stronger but not invincible. Miami is +3.5 and +146 on the moneyline, the classic “live dog” price if you believe in a road shocker. The total at 51.5 hints at more scoring than in Alabama–Oklahoma, which can invite volatility, but the market still leans solidly toward the Aggies.

For bettors who just want to ride the home favorite to advance, the recommended play is Texas A&M on the moneyline.

Tulane vs Mississippi

Moneyline prediction: Mississippi (-880)
Odds: Mississippi -17.5; total 56.5.

This is where the bracket introduces a true heavyweight mismatch on paper. Mississippi is a massive favorite at -17.5 against the spread and -880 on the moneyline, a price that implies an extremely high win probability. Tulane backers are rewarded with a hefty +580 moneyline if they’re willing to root for a monumental upset. With a total of 56.5, the market expects a fairly high-scoring game, which typically benefits the deeper, more talented roster.

 Laying -880 isn’t for everyone - it’s a lot of risk for a small return - but if you’re simply picking winners, Mississippi is clearly the side.

James Madison vs Oregon

Moneyline prediction: Oregon (-2500)
Odds: Oregon -21.5; total 50.5.

Oregon enters as the biggest favorite of the opening round. FanDuel lists the Ducks at -21.5 with a towering -2500 moneyline, indicating that an upset would qualify as genuine bracket-busting chaos. James Madison offers +21.5 points or a +1100 moneyline for those who love long shots and don’t mind the high risk. The total of 50.5 suggests scoring, but not necessarily a track meet. From a betting strategy standpoint, most casual players won’t be eager to lay -2500, yet if the goal is to make a straight-up prediction on who advances, Oregon is the logical choice.

These first-round games give us a little bit of everything from a betting perspective: near-coin-flip prices in Norman, a mid-tier favorite in College Station, and two lopsided matchups where the underdogs will try to shock the world. If you’re building parlays, you might lean on the heavy favorites as anchors while deciding whether to mix in one of the shorter prices for a bit of extra payout.

Alabama vs Indiana

Prediction: Alabama

From a straight-up perspective, Alabama is the clear side. Historically, the Tide recruit at an elite national level and regularly play one of the toughest schedules in the country, which means they’re battle-tested by the time the postseason arrives. Indiana, by contrast, has traditionally been a middle-to-lower-tier Big Ten program, far less accustomed to this stage and this caliber of opponent. Over four quarters, Alabama’s advantages in size, depth, and overall speed should compound, especially in the trenches.

Texas A&M vs Ohio State

Prediction: Ohio State

This matchup looks closer on paper than some others, but Ohio State still profiles as the more trustworthy straight-up pick. The Buckeyes are a perennial playoff contender with a long track record of Top-10 recruiting classes, explosive offenses, and NFL-level talent at multiple positions. Texas A&M also recruits well, yet has often struggled to turn that talent into consistent national results. In a neutral-site environment, Ohio State’s usual edge at quarterback and receiver, combined with their overall roster depth, leans this toward the Buckeyes.

Mississippi vs Georgia

Prediction: Georgia

Mississippi brings offensive fireworks and can absolutely stress a defense, but Georgia is built specifically to withstand that kind of challenge. Under Kirby Smart, the Bulldogs have established themselves as a modern powerhouse: deep defensive lines, disciplined secondaries, and enough offensive balance to control tempo when needed. Georgia is more accustomed to the pressure of true championship-or-bust expectations and has repeatedly delivered in high-stakes postseason environments.

Mississippi has the upside to make this entertaining, yet over four quarters Georgia’s typical advantages in physicality, depth, and defensive structure make them the more reliable choice.

Oregon vs Texas Tech

Prediction: Oregon

Texas Tech’s spread-heavy approach and willingness to push the ball downfield can create volatility, but Oregon is the more complete program and the safer straight-up pick. In recent seasons, the Ducks have paired high-powered offenses with improving defense and strong line play on both sides of the ball. They’ve also been regular players in conference-title races and New Year’s Six-caliber games, while Texas Tech has more often hovered around the middle of the Big 12.

Over four quarters, Oregon’s usual edge in depth, athleticism, and two-way balance should tell the story.

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Oregon vs  Alabama

Prediction: Alabama

This has classic big-game energy: Oregon’s tempo and offensive creativity against Alabama’s usual blend of size, depth, and blue-chip talent. Oregon typically threatens defenses horizontally and vertically, and if the Ducks dictate pace, this can tilt toward a shootout. However, Alabama is accustomed to high-stakes, playoff-level environments and generally boasts a deeper rotation along both lines. Over four quarters, that can matter more than schematic fireworks.

In a straight-up scenario with no odds attached, I’d lean toward the team more battle-tested against SEC competition. For a moneyline-style pick, Alabama gets the narrow but confident nod to advance.

Ohio State vs  Georgia

Prediction: Georgia

Ohio State’s best path usually runs through explosive passing and dynamic skill talent, which can stress almost any secondary. Georgia, though, is built precisely to withstand that kind of attack: multiple waves of front-seven defenders, disciplined coverage schemes, and an offense capable of grinding out long, demoralizing drives.

Both programs recruit at an elite level, but Georgia’s recent track record in playoff-style games is hard to ignore. They’ve repeatedly shown they can finish tight, physical contests in the fourth quarter. With no point spread to worry about, I’d side with Georgia’s overall defensive edge and big-game pedigree.