
Jan. 14 2026 | Isaac Garcia | Sports Editor
On Jan. 19, the college football season will culminate with the College Football Playoff National Championship game in Miami. Both the Miami Hurricanes and Indiana Hoosiers will be looking to win their first championships of the playoff era and in the case of the Hoosiers, their first championship ever. Both teams have made it this far on a physical brand of football that revolves around strong play in the trenches. Both teams rank top ten in the country in rushing defense and have made a run by forcing turnovers and suffocating offenses.
Miami, led by coach Mario Cristobal in his fourth year, opened with a huge win against Notre Dame and continued a strong start before faltering against Louisville and eventually SMU. After that second loss to SMU, they went on a tear to end the regular season, winning each game by three scores or more. After making the playoffs in a debated decision from the committee, being the last team in over Notre Dame, they won a low-scoring 10-3 game against Texas A&M, where the defense came up big and shut down the Aggie offense. In the Cotton Bowl versus Ohio State, the defense again showed up, slowing down Ohio State’s offense and limiting star receivers Jeremiah Smith and Carnell Tate. They would then win a back-and-forth game against Mississippi with quarterback and Georgia transfer Carson Beck running for what would prove to be the winning touchdown with 18 seconds remaining. On offense, Beck is joined by first-year receiver Malachi Toney and running back Mark Fletcher Jr., propelled forward with a bruising offensive line. Defensively, star pass rusher and likely first-round pick in the NFL Draft, Rueben Bain Jr., wrecks offensive gameplans. While Bain gets a lot of the attention, he’s far from the only star on the defense, with Akheem Mesidor, Jakobe Thomas, Keionte Scott and others making the defense an extremely formidable unit. Miami’s success is a bit of a return to form, as they’ve won five national championships, with the most recent being in 2001 behind one of the strongest teams in college football history.
On the other side, Indiana has put together one of the craziest turnarounds the sport has ever witnessed, going from one of the worst programs in the country historically to a national finalist. The job head coach Curt Cignetti has done with the Hoosiers is incomparable to anything seen in recent memory. When Cignetti took over, he inherited a 3-9 program and immediately improved it, leading the team to an 11-1 regular season record and appearance in the college football playoffs. This year, the team has taken yet another step forward with California transfer quarterback and Heisman winner Fernando Mendoza leading the offense with quick processing skills, elite ball placement and solid decision making. Joining him are receivers Elijah Sarratt, Charlie Becker and Omar Cooper Jr., who’ve been incredible all season as reliable targets for Mendoza, keeping the offense a well-oiled machine. The offensive line is led by starting center Pat Coogan, who won MVP of the Rose Bowl quarterfinal, which is unheard of for offensive linemen. Defensively, Indiana is led by Aiden Fisher, Mikail Kamara and D’Angelo Ponds. The Indiana defense is relentless and is excellent at forcing uncharacteristic mistakes by bringing intense pressure, giving an already elite offense more chances to add to the scoreboard. Indiana won the Big Ten, getting a bye to the quarterfinal, where they dismantled Alabama in the Rose Bowl 38-3. They then advanced to the Peach Bowl, where they cruised against the Oregon Ducks, winning 56-22, powered by three forced turnovers and a nearly perfect, five-touchdown performance from Mendoza, thus booking their first trip to the national championship game in school history. Indiana is made up of underrated and overlooked recruits that embody Cignetti’s philosophy of “production over potential.”
So, how do both of these teams match up with each other? Indiana is a clear favorite at the moment, and how could they not be? They’ve been a complete buzzsaw throughout the season and arguably even more so throughout their playoff run. Their execution and attention to detail is almost robotic, making it very difficult to pick against them. However, for how strong they’ve been, they aren’t unbeatable. There have been three instances throughout the season where they were involved in close games that could’ve gone the other way. A 20-15 game against 8-4 Iowa, a 27-24 game against 6-6 Penn State and a 13-10 Big Ten championship game against Ohio State. All three of those teams had something in common. They were able to drag Indiana into a physical, relatively low-scoring game. In those three games, Mendoza didn’t necessarily set the world on fire either, throwing a combined four touchdowns, three interceptions, with a 61.8% completion percentage.
Now, Indiana is obviously built to handle these kinds of games, as they won all three and have the personnel and play style to pull it off. In fact, it’s probably the preferred way for Indiana to play. They’re great at figuratively punching opposing teams in the mouth and demoralizing them, but these three games provide a sort of formula that shows when a team has the personnel and play style to bully Indiana back a bit, they have a shot. Miami definitely has that kind of personnel and it’s shown up when they’ve needed it most. Something else that might bode well for Miami is their ability to win the time of possession battle and keep their offense on the field longer, wearing down the defense over the course of the game and making them difficult to stop late in the game. Not to mention the game is being played in Miami, which will allow the Hurricanes to come in perhaps a bit more rested than the Hoosiers. It’s going to be important that Miami take as much advantage of this as possible with a quick start — or at least not allowing a quick start for Indiana — or else the lead could become insurmountable rather quickly, like it did for Oregon. While Miami has shown it has what it takes to hang with the Hoosiers, Indiana has the best coach and quarterback in the country, and it’s tough to find any glaring weaknesses. Miami probably puts up a decent fight early, but Cignetti simply has Indiana operating on a different level right now and it’s hard to imagine anyone stopping them. They’ve proven no moment is too big for them and there’s no real good reason for that to end now.
Prediction: Indiana wins 31-14 and becomes the first 16-0 team ever.
Contact the author at howlsports@wou.edu










