There are two subdivisions of NCAA football at the Division I level. The one we’ve primarily talked about all season is the FBS subdivision, for Football Bowl Subdivision. All the teams at that level play out the regular season, hoping for an invite to the College Football Playoffs by making it through the season unscathed (but with a strong schedule). Outside the “top” four teams, however, the remaining teams are relegated to playing in a bowl game – if they reach bowl eligibility – or simply staying home for the holidays.
In the FCS (Football Championship Subdivision), however, there is an actual playoff to determine the NCAA champion. The two subdivisions schedule games against each other during the season, which are often used as schedule filler or tune-up games early in the season for the FBS teams. This past season, seven FCS teams were able beat FBS teams, with Temple’s loss to Villanova the biggest upset.