The new era of college football based around name, image and likeness payments has changed how rosters are built and which programs can compete at the top. The Indiana Hoosiers came out of nowhere in 2024, reaching the College Football Playoff in Curt Cignetti's first year as head coach. Then, with some help on the NIL front, they brought in Fernando Mendoza through the transfer portal. Mendoza went on to win the Heisman Trophy, and the Hoosiers went 16-0 and won the National Championship. Just a few months after Texas head coach Steve Sarkisian said undefeated teams were a thing of the past. There are plenty of other examples: Texas Tech, with the support of billionaire Cody Campbell, built up one of the top defenses in the country and reached the playoff. NIL can dramatically change a program's fortunes overnight.…