We knew a 12-team playoff was coming to college football, but we found out in early December, officially, that it will begin in the 2024 season. College football will have one more year with potential high-stakes regular season games between great teams before those stakes move down the board to more middling squads post-2023.

(It’s entirely possible, pending next year’s results, that the last single regular season game that by itself changed anything about the composition of the postseason field was when Cincinnati beat Notre Dame in 2021. No, I’m not bitter about this, why do you ask?)

The model is identical to the one proposed by the original working group back in the summer of 2021, the one assembled two years prior to examine the feasibility of an expanded field. ND athletic director Jack Swarbrick was on that group, along with Mountain West commissioner Craig Thompson, SEC commissioner Greg Sankey and then-Big 12 commissioner Bob Bowlsby. You might recall expansion appeared imminent after that group’s original announcement until it was revealed that the SEC was poaching the Big 12’s two most valuable properties just weeks later, throwing the whole enterprise into chaos.

The 12-team CFP is one that, unlike all previous iterations of college football’s postseason, contain very clear pros and cons for Notre Dame, the sport’s one relevant independent now that BYU has ended its decade-long dabble with the concept in favor of the Big 12. (In fact, in 2023 the sport will be down to four independents, with only UConn, UMass and Army joining ND in remaining untethered to a football conference.)

Up until now, college football’s postseason was mostly the same for everyone: Win them all and play a schedule mostly consisting of power-conference teams, and as long as the system allows for enough unbeaten teams, you have a chance to be the champ. Any other scenario, and you’re at the whims of good fortune, as well as the polls or a committee. Now, things are changing.

Con: Notre Dame can’t get a bye

The top four seeds in the new CFP, and their accompanying byes, will be reserved for the highest-ranked conference champions in the field. The Irish can’t get one. The rationale is that Notre Dame cannot play in a conference championship game and take the accompanying “risk” (I put this in quote marks because in a 12-team CFP, most of the power teams playing in these games are going to be in the playoff win or lose; the risk will be minimal).

Personally, I’m not much for this concept. After 2025, we all know the CFP will move quarterfinals from the bowl sites, where they will be in 2024 and 2025, to campus sites. (The only reason they will be in those two seasons is because per the CFP contract, they had to play ball with the bowls to expand.) It feels like a bye and a home game is a huge advantage to give to conference champions – who in some extreme cases might be borderline top-10 teams – over teams that most observers would agree are better.

Those byes could also sometimes throw the bracket somewhat out of whack. The Athletic’s Stewart Mandel noted during the final weekend of the season that, if this year’s final rankings were applied to a 12-team playoff field, #2 seed Michigan, who had theoretically earned an easier path by beating Ohio State, would find itself looking at a much more difficult path than the Buckeyes (provided Ohio State dispatched whoever the #11 seed would be, which, safe assumption).

I do understand the desire to reward conference champions, despite its implementation. I wouldn’t blow up that idea. If it were up to me, though, I would add a provision that teams can ‘steal’ a bye, but only by defeating a top-4 conference champion in a non-conference game and also ending the season ranked higher than said champion. This would allow a top-4 Notre Dame to get a bye, yes, but any non-champion would have a path to doing it, and it would in theory encourage aggressive non-conference scheduling.

Pro: A top-5 ND will have a decent path to the semifinals

The upshot to the above issue is that a top-5 Notre Dame will have as manageable a path as you could ask for to reach the semifinals. If ND hits its ceiling of a #5 seed in the new CFP, the Irish will host the weakest team in the field in the first round. This presumably would be the sixth-highest ranked conference champion most years, so you’re looking at a team on the level of Tulane this season.

Maybe just as important, that hypothetical Irish team would then face the lowest-ranked bye team, the fourth-best conference champion, in a quarterfinal. Now that the B1G and SEC have dispensed with any pretense that they’re taking over the sport, that’s likely to be merely a borderline top-10 team. This season, that team would have been Big 12 champion Kansas State, ranked #9. Until KSU upset TCU in the Big 12 title game, that team would have been Clemson, and you might recall that Notre Dame had some reason to believe it can beat the Tigers.

From there, it would be on to the semis and presumably a matchup with the top seed. That part is not ideal. But hey, this CFP is going to be like that; you’re going to have to beat at least 2, and probably 3, elite teams in a row to win. Which brings me to:

Con: It will be harder than ever to win it all

This is more of a big-picture con than one for Notre Dame specifically, but it’s something I wonder if people have fully thought through. Beating 3 elite teams in a row is something very, very few programs are capable of doing. I’d argue Notre Dame is not presently one of them (though hopefully that is changing with Marcus Freeman’s emphasis on recruiting), which, given ND has clearly been a top-10 program the past several years, sums up how difficult it is.

I think this new CFP actually shrinks the number of teams that can win it all, rather than growing the pool. Some would argue recruiting will become less top-heavy because of expansion, but early returns don’t agree: Alabama signed the #3-highest rated class of the Internet era this year, even though every player signing knew through most of their recruiting process that the CFP would be expanding during their time in school. The current On3 2024 recruiting class rankings have Georgia 1st, followed by Alabama, Florida and Ohio State. (ND is 5th.) It does not appear that top recruits were merely waiting for the playoff door to open to the unwashed masses so they could all stop congregating in Tuscaloosa (or Athens or Columbus).

Needless to say, I’m extremely skeptical that a system where teams like Alabama and Ohio State will be all but guaranteed to never miss a playoff again (one was left out in 2022, and the other would have been had USC not neglected to field a defense) will keep players from going to those schools. If anything, the transfer portal and NIL (two areas not really working in tandem to help ND at the moment) might help with parity in the long run, but I don’t think the CFP format will make a dent. The BCS produced a variety of finals every year of its existence until the Saban dynasty took over everything, and it didn’t change recruiting much, so I don’t think this will either.

The verdict: Meh

As far as Notre Dame is concerned, I don’t think the new CFP format will be a big positive or a big negative. The inability to get a bye is somewhat balanced out by creating a manageable path to the semifinals for a top-5 Irish team. However, once the system makes its anticipated change to on-campus quarterfinals for the 2026 season, the thought of a hypothetical top-5 ND having to play on the road against a team any neutral observer would agree they are superior to is pretty annoying.

And in the big picture, the format, combined with the portal and NIL being net negatives for the Irish at the moment (albeit mostly self-imposed net negatives), doesn’t create a lot of excitement that the door is open for a national championship. But I don’t think that is a much different situation than ND is already in.