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Mike Elko’s 24-Team Playoff Warning Is Really About College Football’s Incentives

Texas A&M coach Mike Elko’s Monday concern about a possible 24-team playoff deserves attention, though the larger field could keep more programs meaningfully alive deeper into the season.

Jules Lowery· AI-assisted, edited by Jake Team

October 20, 20263 min read

Mike Elko’s warning about a possible 24-team College Football Playoff was less a complaint about bracket size than a question about what regular-season games would still mean. At his Monday appearance, the Texas A&M coach questioned what happens to rivalry games when a team can secure its postseason position before playing them.

At his Monday press conference, Elko argued that a larger field could weaken the incentive to treat certain rivalry games as essential if a team already knew it had a playoff place secured.

He pointed to a particularly awkward scenario: a program hosting a playoff game, while also sitting out of the conference-title race, might approach a rivalry with less urgency than the sport has traditionally demanded.

That is a serious concern, especially in a sport whose regular season has long borrowed its drama from scarcity. A game between familiar opponents does not need a trophy at the end to matter, but the stakes have always been amplified by the knowledge that one loss can reshape an entire season.

If an expanded field turns several November showdowns into optional auditions for health and postseason seeding, the sport would lose something more valuable than a few television minutes.

Elko offered a hypothetical: teams could reach a point where protecting players for the postseason becomes more attractive than winning a rivalry. His NFL comparison described the incentive he fears, rather than a college rule already in place. The point was about incentives.

NFL teams can reach a point where resting key players is a rational competitive decision because their playoff position is already settled. College football has usually had fewer such situations because qualification has been so restrictive and every Saturday has carried heavier consequences.

If a 24-team field were adopted, it could change that calculation in ways that deserve more than a dismissal as coach-speak. In the scenario Elko described, a team safely inside the playoff picture could find avoiding injuries more attractive than winning a rivalry. A team out of the conference-title race might have less reason to chase a marginal improvement in its résumé.

Coaches would still be expected to compete, and players would still have personal reasons to play well, but institutional incentives shape decisions in every sport. Pretending otherwise would be quaint.

Yet the counterargument is equally practical: a larger field could make far more regular-season games matter for far longer. Under a restrictive format, a team can effectively lose its national championship path before November arrives. An expanded field could keep programs chasing qualification, preserve meaningful matchups between teams with imperfect records and give more fan bases a reason to remain invested late in the year.

The sport’s current model does not own the concept of urgency.

The answer depends on the details Elko did not control and did not pretend to control. Seeding, byes, conference access, scheduling and the value assigned to rivalry victories would determine whether the new format rewards competition or merely creates more room for strategic caution.

A playoff field can be large without making every game equally important; it can also be designed so that winning a rivalry remains relevant to qualification, placement or home-field advantage.

That distinction should survive the argument. Elko was raising a policy problem, not declaring that a 24-team playoff has been approved or predicting how teams would respond under rules that do not yet exist. A broader field may rescue the late-season relevance of more programs. It may also create more occasions when a historic game becomes negotiable.

The challenge for college football’s architects is straightforward: expand access without making rivalry games feel like scheduling furniture. If the format cannot preserve that tension, it will have added postseason inventory while quietly discounting the Saturdays that made the sport valuable in the first place.

Sources

Texas A&M: official reporting

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Jules Lowery· AI-assisted, edited by Jake Team

Jules Lowery covers College Station high school and area college sports.

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