Anyone who bets on College Football knows that the end of the year is where the real chaos exists. Betting on college football underdogs is always a worthwhile endeavor, but this is where we can really clean up.

 Week 14 in College Football isn’t just another slate. It’s the last hurrah for a lot of teams, it’s the last ticket being punched for conference title games, or it can make or break someone’s chances to secure first place in their respective conference.

With bowl eligibility and pride combining to give us one of the more volatile NCAAF betting landscapes of the year, it’s time to embrace the insanity. The road to the 2025-26 College Football Championship has been a long and winding one, but we’re almost here. We might as well score some college football upset picks before signing off.

Ready for some winners? Join me as I go over my four favorite college football underdogs for the week.

College Football Week 14 Underdogs 

Team	Spread	Moneyline
Navy Midshipmen	+4 (-105)	+155
Kent State Golden Flashes	+5 (-110)	+175
Georgia Tech Yellow Jackets	+13.5 (-105)	+400
Central Michigan Chippewas	+10 (-105)	+295

Last week wasn’t great for my College Vootball underdog picks, but I did nail one, with the Louisiana Ragin’ Cajuns pulling off an upset at a nice +120 moneyline. I whiffed badly on Delaware and Georgia Southern, but wasn’t too far off the mark with Missouri.

It was a bleak 1-3 record overall, and the goal is to right the ship and deliver some CFB upset winners for week 14.

This week I am high on Navy and Kent State as two legit upset plays. I think there’s logic to both of them flat out winning, while they also look good against the spread. Georgia Tech and Central Michigan are less reliable, but they look really interesting ATS.

Each of these underdog plays stands out as viable options, whether it be straight up or against the spread. Don’t just take my word for it, though. Read on as I analyze each matchup, give reasoning for why I like the pick, and even show you how much these bets can make in a parlay.

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College Football Underdog Picks

Check out our best College Football underdogs this week:

Navy Midshipmen (+155) vs. Memphis Tigers (-190)

Let’s start with the Navy Midshipmen, who literally have the best rushing attack in all of college football. Dual threat quarterback Blake Horvath spearheads a dominant offense that puts up over 30 points per game and is very dangerous on a yards per play basis.

I will be the first to admit that Navy can get into trouble due to their one-dimensional ways. Horvath has just 122 total passes attempted on the year, after all. He still can attack defenses down the field, while running back Alex Tecza helps out on the ground.

The obvious issue here is that this game is on the road and Memphis is pretty darn good, too. The Tigers are a much more balanced offense and they put up over 34 points per game. I think the safest bet in this game is the Over, but Navy is coming off a 41-38 win, so they have proven very recently that they can match wits with other elite offenses.

I think this game shoots out. Memphis is going to be tough to beat on their home field, but the kicker for me here is motivation. The Midshipmen still have a shot at playing in the AAC title game if they can win out. 

Navy also shocked Memphis in a crazy high-scoring game last year, too. The more points we get in this one, the more likely I feel Navy can shock them again and keep their AAC championship hopes alive.

Kent State Golden Flashes (+175) @ Northern Illinois Huskies (-210)

I really like the Kent State Golden Flashes as a straight up underdog in week 14. The biggest reason why is they’ll be going up against a worse Northern Illinois Huskies squad.

The game is on the road where the Golden Flashes are just 1-5 on the year, but they’ve outperformed the Huskies inside the MAC and overall. Kent State is coming off a relatively close game against Central Michigan, and the week before they outlasted Akron in a wild 42-35 thriller.

You really never know which Kent State version will show up, but the Golden Flashes can generate big plays at times and do a terrific job of taking care of the football. They’ve been ghastly on the defensive side of the ball, but I’m not so sure that matters against an utterly inept Northern Illinois offense.

The Huskies got blitzed by Western Michigan (35-19) in their last game, while they have failed to top 22 points in 10 of 11 games on the year. This simply is not a team to be afraid of offensively.

Both teams stink, but Northern Illinois is getting too much credit, seemingly for this game just being in their own backyard. Look for the (slightly) superior Golden Flashes to stage the upset.

Georgia Bulldogs (-600) vs. Georgia Tech Yellow Jackets (+425)

This is my favorite game of the week, as we have the Battle of Georgia, with the mighty Bulldogs coming in as massive betting favorites. I do get it, as Georgia is exceptionally well-coached, they have a stout 10-1 record, and they’ve looked amazing during their seven-game winning streak.

Georgia has been mostly dominant, but they did barely beat Florida (24-20) a few weeks back, and they fell to Alabama (24-21), showing they’re not unbeatable. This is an incredibly balanced team capable of dropping 30+ points on anyone, of course, while they still possess one of the stingier defenses in all of college football.

That said, there is a juicy narrative supporting the Georgia Tech Yellow Jackets, as they look to ice their bitter rivals and put an emphatic stamp on a strong season. Georgia Tech has their warts and they’re coming off a disappointing 42-28 loss to Pittsburgh, but you have to think they may have overlooked that game in anticipation of this one.

The matchup isn’t super favorable, but the Yellow Jackets (32.9 ppg) can compete with Georgia from a scoring perspective, while their ground game is as good as anyone’s. They aren’t as one-dimensional as they’ve been in the past, either, as they rank 18th in yards per pass and 38th through the air, overall.

The nice thing is you don’t need Georgia Tech to win for this bet to hit. You simply need them to rise up and give the Bulldogs a good game. The Yellow Jackets are 2-0 against the spread as the underdog, so I don’t mind taking a chance and betting on them to stay within 13 points.

Toledo Rockets (-390) vs. Central Michigan Chippewas (+295)

Lastly, we have the Central Michigan Chippewas at home against the Toledo Rockets. This game could end up deciding who plays in the MAC title game, as there is currently a four-way tie for second place in the conference.

Both Toledo and Central Michigan are part of that logjam, and they come in with two and three-game winning streaks. Something has to break here, but logic tells me Central Michigan (4-0 at home) will have a distinct advantage by playing this game in front of their home crowd.

Toledo has been very dominant lately. They’ve won their last three games by a combined score of 104-15, so they are firing on all cylinders at the moment. That said, they did lose to Washington State (28-7) prior to this run.

Toledo is a handful. They have a balanced offense capable of hanging 30 points on anyone, and they also sport a nasty defense (5th in scoring) that stifles the run and gets after the quarterback (8th best sack rate).

All of this sounds horrible for Central Michigan, but they’ve been in every single game within their conference. They did get destroyed by Pittsburgh and Michigan earlier this year, but inside the MAC they have either dominated or been a very tough out.

Central Michigan isn’t as balanced or as flashy as Toledo, and they also aren’t as scary on defense. However, they lean into the ground game hard and generate over 174 rushing yards per game. If they can establish the run early and keep the crowd in it, I think there’s a decent chance – especially with what’s on the line – they can at least keep this one close.

College Football Underdog Parlay

• Navy Midshipmen ML (+155)
• Kent State Golden Flashes ML (+175)
• Georgia Tech Yellow Jackets ATS +13.5 (-105)
• Central Michigan Chippewas ATS +10 (-105)

You can parlay my week 14 College Football underdog picks if you wish. Just make sure you’re securing the best College Football odds if you go that route. I don’t normally advocate chasing this many upset picks together, but this exact parlay would bring back $1,174 for every $100 you risk.

Feel free to go full boar with straight up underdog winners for the lot. Just understand that one miss kills the parlay, and make sure you’re using reputable sports betting sites that offer good pricing and special parlay features to make it worth your time.

Want even more picks for the week? Check out our top College Football parlay of the week. And, for the NFL fans out there, we also have the best NFL parlays for the pro side of the conversation.

Best College Football Underdog Picks For Week 14

My message every week is to pick your spots and bet on College Football underdogs individually. It simply is not easy to consistently hit NCAAF upset picks, so targeting them separately is the smart way to go.

If you want one College Football underdog to target, my favorite is Navy. They have a lot on the line for their game with Memphis, they beat them last year, and they have a really good offense. I think this could be their time to shine.

All of my week 14 College Football upset picks have a shot. It’s up to you which ones you bet on and whether you pile them together in a parlay. Want even more advice? Be sure to check in with the top handicappers to see what they have to say for this week’s college football betting slate.