I went through every schedule These are the ones most likely to finish outside top 25, assuming 4 or more losses is too many to be ranked:
BYU: BYjew dismissed for fornication. If only he'd soaked. Or derfed. At least 7 games are within 5 pts as of today.
SCarolina: Missing a lot on both sides; schedule hits 6-6 to 8-4 based on spreads.
Illinois: 5 opponents within 3ish pt spread, plus an ass kicking by Ohio State. Loss at UW, too. 8-4 likely, but shouldn't be top 25.
Florida: if the Gators get to 9-3 with this schedule, they should be in the playoff. 7-5 or 8-4 most probable. At 8-4, they probably should be ranked anyway.
Boise: mentioned only because the schedule is dreckfest. At Notre Dame is the only P5 game. If ranked, it's the schedule.