Story byAustin Curtright, USA TODAY NETWORKMon, January 19, 2026 at 8:37 PM UTC·7 min readIndiana and Miami match up for the 2025-26 national championship on Monday, Jan. 19, with both teams taking unlikely routes to the title game. The Hoosiers went 3-9 in 2023 and have zero 5-star recruits on their roster, but it doesn't mean they aren't talented. They have multiple future NFL draft picks, including Heisman Trophy winner Fernando Mendoza, who's likely to be the first quarterback selected in April. AdvertisementAdvertisementAdvertisementCFP title predictions:: Will Indiana or Miami win national championship?Indiana vs Miami: Who has edge in tonight's CFP national championship?Mendoza has been outstanding in the College Football Playoff, with eight touchdowns to only five incompletions in romps over Alabama and Oregon.