https://www.si.com/college/2023/08/30/college-footballs-inevitable-conclusion-is-a-40-team-mega-alliance
So, does the NFL expand to 40 teams? (Of course not - and there's not going to be any sort of high school draft or ban on transfers (i.e. "you transfer when you're traded"), either.)
Here's an idea:
22 (or 23) bowl games - one for each pair of teams, plus 2 more for the playoff semi-finals, and if they want to make the championship game a "bowl game", that's 23.
At the remaining 90 or so schools, full scholarship football continues as normal, but they have their own NCAA Division I-A (and rename FCS as I-AA) tournament.
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