The 28 teams are: With 5 wins: Houston, Temple, Oklahoma St, Michigan, Middle Tenn St, UAB, Ohio, SDSU, Stanford, Cal, Florida, Kentucky, Virginia Tech, Western Kentucky, South Carolina, Navy, Tennessee, Arkansas, Oregon St, and Akron.With 4 wins: South Florida, Pitt, Virginia, Northwestern, Illinois, Fresno St, and Wyoming.Washington has 6 wins but plays 13 games so they need 7.Georgia Southern has 8 wins but are in transition to FBS so they can only make a bowl if not enough teams are eligible. Same applies to App St who has 5 wins and Old Dominion who has 4. Those three teams don't really matter because if we get to six wins, we have to receive a bid before them according to the NCAA regulations.