College Football Week 4 Picks: ChatGPT Predicts the Winner of Every Big Game

Week 4 of the 2025 college football season is here, and we’ve asked ChatGPT to make moneyline predictions for every AP Top 25 matchup. From SEC showdowns to Big Ten blowouts, here’s who comes out on top.

Ryan Murphy - Managing Editor at Covers.com
Ryan Murphy • Managing Editor
Sep 17, 2025 • 11:28 ET • 4 min read
Miami Hurricanes quarterback Carson Beck (11) carries the football for a touchdown against South Florida.
Photo By - Imagn Images. Miami Hurricanes quarterback Carson Beck (11) carries the football for a touchdown against South Florida.

Week 4 of the college football season is here, and the drama continues to heat up. With shakeups in the Top 25, Heisman hopefuls stepping up, and rivalry showdowns looming, this weekend could rewrite storylines across the nation.

It’s wall-to-wall action, and we’ve got ChatGPT in the war room. The generative AI chatbot has crunched the odds, sized up the matchups, and is dropping fearless NCAAF picks and analysis for every Week 4 game featuring an AP Top 25 team.

Strap in. The fireworks are about to fly.

ChatGPT has gone 53-11 so far this season for +37.23 units. 

NCAAF Week 4 moneyline picks

Matchup Pick
No. 17 Texas Tech Texas Tech vs No. 16 Utah Utah Utah  -146
UAB UAB vs No. 15 Tennessee Tennessee Tennessee  NA
Oregon State Oregon State vs No. 6 Oregon Oregon Oregon  NA
Kent State Kent State vs No. 7 Florida State Florida State Florida State  NA
 No. 22 Auburn Auburn vs No. 11 Oklahoma Oklahoma Oklahoma  -250
Tulane Tulane vs No. 13 Mississippi Mississippi  Mississippi  -450
No. 21 Michigan Michigan vs Nebraska Nebraska Michigan  -137
Purdue Purdue vs No. 24 Notre Dame Notre Dame Notre Dame   -3500
Temple Temple vs No. 18 Georgia Tech Georgia Tech Georgia  -2800
South Carolina South Carolina vs No. 23 Missouri Missouri Missouri  -410
Florida Florida vs No. 4 Miami Miami Miami  -275
No. 9 Illinois Illinois vs No. 19 Indiana Indiana  Indiana  -205
Georgia State Georgia State vs No. 20 Vanderbilt Vanderbilt Vanderbilt   -4500
Sam Houston State Sam Houston vs No. 8 Texas Texas Texas   NA
Michigan State Michigan State vs No. 25 USC USC USC   -1100

Odds courtesy of FanDuel

No. 17 Texas Tech at No. 16 Utah

Moneyline prediction: Utah (-146)
Odds: Utah -2.5; total 57.5.

One of the best early kickoffs of the weekend, and Utah is a short home favorite. The Utes’ defense is legit and typically tightens up in Salt Lake City. Texas Tech’s offense is dangerous, but drive-to-drive consistency can wobble on the road. With a spread under a field goal, we lean on home-field and a sturdier defense. For a straight-up wager at a manageable price, Utah is the pick.

UAB at No. 15 Tennessee

Moneyline prediction: Tennessee
Odds: Tennessee -39.5; total 69.5.

FanDuel’s padlock tells the story: this would be a prohibitive price on the favorite. UAB faces a major talent and depth gap against a Tennessee team that overwhelms at the line of scrimmage. With a spread near 40, oddsmakers expect early control from the Vols and a comfortable second half. Straight up, Tennessee is the call.

Oregon State at No. 6 Oregon

Moneyline prediction: Oregon
Odds: Oregon -35.5; total 55.5.

The rivalry usually brings spice, but the market expects a one-sided script this time. Oregon’s offense is explosive and efficient, and the Ducks have been opportunistic on defense. Oregon State is unlikely to match scores for four quarters. With the moneyline locked and a massive spread, the straight-up pick is Oregon at home.

Kent State at No. 7 Florida State

Moneyline prediction: Florida State
Odds: Florida State -45.5; total 55.5.

One of the weekend’s biggest spreads. Florida State’s speed edge should be overwhelming, and depth on both lines figures to tilt the second quarter onward. Kent State has struggled to sustain offense against Power-Five fronts. With a locked moneyline and a number pushing 50, the straight-up pick is the Seminoles with little drama.

No. 22 Auburn at No. 11 Oklahoma

Moneyline prediction: Oklahoma (-250)
Odds: Oklahoma -6.5; total 48.5.

Intrigue here: Auburn has the athletes to trade blows, but Oklahoma’s balanced offense and home crowd give the Sooners the more reliable floor. With the spread south of a touchdown, the moneyline around -250 reflects solid but not overwhelming separation. Straight up, the pick is Oklahoma to grind out a late-possession win.

Tulane at No. 13 Mississippi

Moneyline prediction: Mississippi (-450)
Odds: Mississippi -11.5; total 61.5.

Tulane is well-coached and rarely beats itself, but the Rebels’ home field and offensive pace are tough to withstand for four quarters. Expect spurts where Mississippi strings scores together and forces Tulane into chase mode. The price is steep, yet the straight-up edge is clear. We’ll back the Rebels on the moneyline.

No. 21 Michigan at Nebraska

Moneyline prediction: Michigan (-137)
Odds: Michigan -2.5; total 45.5.

A physical Big Ten grinder is on deck. Nebraska’s defense can muddy the middle and shorten the game, but Michigan’s ability to sustain drives and avoid negative plays tips a tight matchup. With a moneyline under -140, the Wolverines offer a straightforward straight-up position without needing to sweat the number. Michigan in a possession game.

Purdue at No. 24 Notre Dame

Moneyline prediction: Notre Dame (-3500)
Odds: Notre Dame -24.5; total 54.5.

Unlike some giant spreads on the board, FanDuel does list a moneyline here, and it’s as lopsided as you’d expect. Purdue faces a daunting defensive front and a methodical Irish offense that can lean on short fields. The market implies Notre Dame control throughout. For a straight-up wager, the Irish are the pick.

Temple at No. 18 Georgia Tech

Moneyline prediction: Georgia Tech (-2800)
Odds: Georgia Tech -23.5; total 51.5.

Temple has struggled to sustain offense against better fronts, and that’s a problem against a Georgia Tech team that has quietly built momentum. The FanDuel moneyline reflects a significant gap in roster depth and explosive plays. Straight up, this sets up as a multi-score Yellow Jackets victory.

South Carolina at No. 23 Missouri

Moneyline prediction: Missouri (-410)
Odds: Missouri -10.5; total 47.5.

A tricky SEC tilt. South Carolina has spoiler vibes, but Missouri’s defense and situational offense have been steadier, and home field matters. The Tigers’ moneyline price mirrors that stability. Expect some late field-position exchanges before Missouri closes the door in the fourth. Straight up, we ride with the Tigers.

Florida at No. 4 Miami

Moneyline prediction: Miami (-275)
Odds: Miami -7.5; total 51.5.

One of the night headliners. Miami’s defense has been the differentiator, and the Canes have enough offensive pop to capitalize on short fields. Florida has flashes, but sustaining that level on the road is a tall order. With a moneyline in the mid-200s, the straight-up lean is Miami at home.

No. 9 Illinois at No. 19 Indiana

Moneyline prediction: Indiana (-205)
Odds: Indiana -5.5; total 52.5.

A pivotal Big Ten showdown between ranked foes. Illinois is balanced and dangerous, but Indiana’s home form and situational execution tip the scales slightly. With the spread beneath a touchdown, the moneyline around -205 offers a straightforward straight-up angle. We’ll back the Hoosiers in a tight one.

Georgia State at No. 20 Vanderbilt

Moneyline prediction: Vanderbilt (-4500)
Odds: Vanderbilt -27.5; total 53.5.

Georgia State can be frisky, but this shapes up as a depth mismatch. Vanderbilt’s physicality should show up on both lines, and the FanDuel moneyline underscores that expectation. Straight up, Vanderbilt is the safe side without overthinking it.

Sam Houston at No. 8 Texas

Moneyline prediction: Texas
Odds: Texas -39.5; total 51.5

Another lopsided affair, Texas is a nearly 40-point favorite. Sam Houston is just not built to handle this level of opponent. The Longhorns should control every phase, and the moneyline isn’t posted for obvious reasons. Straight up, Texas is the overwhelming choice.

Michigan State at No. 25 USC

Moneyline prediction: USC (-1100)
Odds: USC -18.5; total 56.5.

The late-night closer features USC as a hefty home favorite. Michigan State enters as a +680 underdog and will need near-perfect execution to spring an upset. The Spartans’ defense can create resistance, but offensive inconsistency has been their Achilles’ heel. USC’s skill players and tempo should eventually overwhelm. At -1100, the moneyline is steep, but straight up, the Trojans are the safe call.

Odds are correct at the time of publishing and are subject to change.
Not intended for use in MA.
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Ryan Murphy Managing Editor at Covers
Managing Editor

Ryan Murphy began his love affair with sports journalism at the age of nine when he wrote his first article about his little league baseball team. He has since authored his own weekly column for Fox Sports and has been a trusted voice within the sports betting industry for the past eight years with stops at XL Media and Churchill Downs. He’s been proud to serve as Managing Editor at Covers since 2022.

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