or lets say a crazy scenario

Houston who will be 11-1 after they beat UCONN this week plays a 12-0 Cincy team in the AAC title game
If UH wins, they are 12-1 and Cincy is 12-1 and UH the AAC Champ

10-1 OK St plays 10-1 OU this week. Say OK St wins
you have 11-1 Ok State and then 10-2 OU.  OU falls in a second place tie in the Big 12 with Baylor ( provided Baylor beats Texas Tech this week)  Baylor wins the tie breaker since they beat OU head to hear. So you have a 11-1 Ok St team playing a 10-2 Baylor team in the big 12 title game.
If Baylor wins you have a 11-2 Ok St team and a 11-2 Baylor team and Baylor the Big 12 Champ


10-1 Mich host 10-1 Ohio St this week. Say Mich wins, you have a 11-1 Mich team and 10-2 Ohio State team. Mich advances to the big 10 title game against a 9-3 Wisconsin team ( provided Wisconsin beats Minn this week)
Wisconsin beats Mich in Big 10 title game so you have a 11-2 Mich team and a 10-3 Wisconsin team that is the Big 10 Champs.

12-0 Georgia plays 11-1 Bama in SEC title game.  Georgia win or lose is in the playoff.
Bama loses they are out at 11-2.  They win they are in at 12-1 and so are Georgia at 12-1

Oregon is 9-2 and plays 7-4 Oregon St this week, then if they win would be 10-2 and play  a Utah team that should be 9-3 ( if they beat Col this week) in the Pac 12 title game.  The Utah team that just rolled them 38-7 yesterday) If Oregon wins, they are 11-2

Notre Dame wins this week against a bad Stanford team and ND is in at 11-1

SO, if all these situations fall like this, who is the 4th team?
If Bama loses, you have Georgia and ND in, who are the other 2 teams.

You will have a 
Houston 12-1 AAC Champs
Baylor 11-2 Big 12 Champs
Oregon 11-2 Pac 12 Champs
Pitt/Wake Forest either would be 11-2 and ACC Champ ( if both win this week)


then 
Cincy 12-1 AAC runner up
Ole Miss 10-2 (provided they beat Miss St in Egg Bowl)
Ohio State 11-2
Bama with loss 11-2


then a possible 13-0 UTSA team  and  CUSA Champ
ULL a possible 12-1 and Sun Belt Champ if they win out
San Diego St a possible 12-1 and Mt West Champ if they win out
BYU 10-2 if they win out


let the fun began