When the best record of your opponents you’ve faced to this point is 6-5… that’s a problem
But because of BIG ten scheduling, you’ve got Oregon, Penn state and Indiana only facing 1 real test this year, and that’s Ohio state, who had to go against Penn state and Oregon on the road.
So to me, Indiana should be the one that has to make the CCG to make the playoff. Losing to Ohio State should knock them out completely with how bad their schedule is. But instead, they’ll backdoor their way into the playoff with Penn State.
But the Big 12 is the problem