CFP title game: Indiana beats Miami for 1st national title, capping 16-0 season

By EDDIE PELLS AP National Writer MIAMI GARDENS, Fla. — Fernando Mendoza lowered his pads into a defender, spun in a full circle, used his hand to keep his balance, then launched himself horizontally and reached the ball over the goal line – an Indiana touchdown and a ready-made poster pic for a title run straight from the movies.

Maybe they’ll call it “Hoosiers.”

The Heisman Trophy winner’s touchdown on Monday night put an exclamation point on a 27-21 victory over Miami that closed out an undefeated season and brought an improbable – maybe impossible? – national championship to a program that had known nothing but losing and indifference for almost 140 years.

“Let me tell you: We won the national championship at Indiana University. It can be done,” said Coach Curt Cignetti, who took over a program with a nation-leading 713 losses and turned it into the game’s biggest winner in the span of two years.

Cignetti, the 64-year-old coaching lifer, started it. Mendoza helped get the Hoosiers over the line. He finished with 186 yards passing, but it was that tackle-breaking, sprawled-out 12-yard touchdown run on fourth-and-4 with 9:18 left that defined this game – and the Hoosiers’ season.

Indiana would not be denied.

“I had to go airborne,” said Mendoza, who had his lip split and his arm bloodied by a ferocious Miami defense that sacked him three times and hit him many more. “I would die for my team.”

Mendoza’s TD gave top-seeded Indiana a 24-14 lead – barely enough breathing room to hold off a frenzied charge by the hard-hitting, 10th-seeded Hurricanes – a team that barely made the College Football Playoff and barely showed up in the first half of the final before coming to life behind 112 yards and two scores from Mark Fletcher.

“They’re the best thing that happened to the University of Miami in 25 years,” said Coach Mario Cristobal, who was part of the title run that put this colorful program on the map in the 1980s and ’90s.

The CFP trophy now heads to the most unlikely of places: Bloomington, Indiana – home of the college that famously boasts the most living alumni (805,000), including billionaire Mark Cuban and several thousand of his closest friends who packed Miami’s home stadium and turned a title-game ticket into a $4,000-or-more splurge.

“It’s way up there, that’s for damn sure,” Cuban said when asked where this ranked among the out-of-nowhere success stories he helped bankroll on his reality show “Shark Tank.”

Indiana finished 16-0 – using the extra games afforded by the expanded 12-team playoff to match a perfect-season win total last compiled by Yale in 1894. President Donald Trump was in the stands for what he said “turned out to be a great game” after a slow start – Indiana led 10-0 at half.

In a fitting bit of symmetry, this undefeated title comes 50 years after Bob Knight’s Indiana basketball team went 32-0 to win it all in that state’s favorite sport.

That hasn’t happened since, and there’s already some thought that college football – in its evolving, money-soaked, name-image-likeness (NIL) era – might not see a team like this again, either.

Players like Mendoza – a transfer from Cal who grew up just a few miles away from Miami’s campus, “The U” – certainly don’t come around often.

Two fourth-down gambles by Cignetti in the fourth quarter, after Fletcher’s second touchdown carved the Hurricanes’ deficit to three, put the QB in position to shine.

The first was a 19-yard-completion to Charlie Becker on a back-shoulder fade those guys have been perfecting all season. Four plays later came a decision and play that wins championships.

Cignetti sent his kicker out on fourth-and-4 from the 12, but quickly called his second timeout. The team huddled on the field and the coach drew up a quarterback draw, hoping the Hurricanes would be in a defense they had shown before.

“We rolled the dice and said, ‘They’re going to be in it again and they were,’” Cignetti said. “We blocked it well, he broke a tackle or two and got in the end zone.”

FERNANDO. MENDOZA.

THE PLAY OF A LIFETIME pic.twitter.com/g3o5nNNslr

— ESPN (@espn) January 20, 2026

Mendoza’s play could very well join John Elway’s “helicopter” run in Super Bowl 32 as one of the greatest examples of a quarterback willing to put everything on the line to win it all. Mendoza might soon have something else in common with Elway: This game did little to diminish his projection as the first pick in the upcoming NFL draft.

“Everyone on the team, including my coach, makes fun of my running style,” Mendoza said. “But it’s fourth down, so you’ve got to put it all on the line. Every player, if they had that opportunity, they’d put their body on the line, too.”

For Miami, it was a very close call.

A team listed 18th in the first CFP rankings moved to 10th and sneaked into the playoff, bringing as many questions about the process as the selection itself.

The Hurricanes proved they belonged all the way. Fletcher was a one-man force, hitting triple digits for the third time in four playoff games and turning a moribund offense into something much more.

His first touchdown run was a 57-yard burst through the right side that pulled Miami within 10-7 early in the third quarter.

But after forcing an Indiana punt deep into Miami territory, Hoosiers lineman Mikail Kamara slid past the ’Canes’ protectors and blocked the kick. Isaiah Jones recovered to make it 17-7. Miami was in comeback mode the rest of the way.

It ended as a one-score game, and the ’Canes, who answered Mendoza’s TD with a 22-yard Malachi Toney touchdown with 6:37 left – the visiting team playing on their home field – moved into Indiana territory before Carson Beck’s heave got picked off by Jamari Sharpe, a Miami native who made sure the only miracle in this season would be Indiana’s.

How big a miracle?

This was a program that was so bad that Coach Lee Corso stopped a game in 1976 to take a picture of a scoreboard when it read “Indiana 7, Ohio State 6.” Indiana lost, 47-7.

There were hundreds of losses in front of half-empty stadiums between then and now.

But those days are over. The Hoosiers – yes, the Hoosiers – are national champions.

“I know nobody thought it was possible,” Cignetti said. “It probably is one of the greatest sports stories of all time.”

"If you were to go at the beginning of the year and say all those opponents and be like 'Would Indiana beat those guys?' I love you, but even you would say no."

—Fernando Mendoza talks to @notthefakeSVP on the power of belief pic.twitter.com/xcPNbBwZ1I

— ESPN College Football (@ESPNCFB) January 20, 2026

This one's for you, Frank

Curt Cignetti dedicated the win to his late father. pic.twitter.com/0IzaWTsApN

— ESPN College Football (@ESPNCFB) January 20, 2026

"I got declined to walk-on at the University of Miami. Full circle moment here playing in Miami."

Fernando Mendoza's full interview with @sportsiren after winning the CFP National Championship pic.twitter.com/2cWbD9sc3H

— ESPN College Football (@ESPNCFB) January 20, 2026

“I love them … they turned around a program … I’m at a loss for words.”@CanesFootball's Mario Cristobal on the message he shared with his team pic.twitter.com/LrfJFrpzM7

— ACC Network (@accnetwork) January 20, 2026