Semifinal No. 2: Indiana vs. Oregon

From Gemini

“In the context of the 2025 college football season, Miami (FL) is widely regarded as having the harder schedule compared to Indiana.
While both teams were highly successful this season—with Indiana entering the playoffs undefeated and Miami securing signature wins—the statistical consensus across major rating systems ranks Miami's path as more difficult.
Strength of Schedule (SOS) Comparison
| Rating System | Miami (FL) Rank | Indiana Rank | Harder Schedule |
|---|---|---|---|
| TeamRankings | #5 | #1 | Indiana* |
| Sports Betting Dime | #34 | #50+ | Miami |
| Sagarin (Week 11) | ~#25 | #50 | Miami |
| Colley Matrix | #21 | #27 | Miami |
*Note: Some "live" rankings like TeamRankings heavily weight the specific teams played so far. Because Indiana played (and beat) more top-tier opponents in the Big Ten and early playoff rounds, their "played" SOS rose significantly.
Key Reasons for the Difference
* Non-Conference Strength: Miami’s schedule was front-loaded with difficult matchups, including an early-season battle against Notre Dame and a late-season game against Texas A&M. Indiana’s non-conference schedule was generally viewed as more favorable.
* Conference Play: Indiana plays in the Big Ten, which is often considered deeper than the ACC. However, Indiana's 2025 conference rotation avoided some of the biggest "powerhouse" matchups (like Ohio State or Oregon) until very late in the season/postseason, whereas Miami faced high-end competition consistently.
* Playoff Run: Because Indiana reached the Peach Bowl as the #1 seed and Miami played a first-round road game at Texas A&M, their "final" strength of schedule numbers are very close. Miami's postseason path—beating Texas A&M, Ohio State, and Ole Miss—is arguably the hardest three-game stretch in the country.
Summary
If you are looking at the regular season, Miami clearly had the harder schedule. If you include the entire postseason, it becomes a toss-up, but most metrics still give the slight edge to Miami due to their non-conference challenges.”

bottom line. We played and beat better competition.
 
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