No FCS football playoffs until maybe spring. This is the step below the major programs.

FCS playoffs shelved for fall after conferences opt to wait until spring

The annual FCS playoffs will not be held this fall, even if some schools play a regular season.

The lower half of Division I college football has fallen short of the NCAA's recent mandate that playoffs would require 50% of eligible teams participate in a regular season,

Eight of the 13 FCS conferences aren't playing in the fall, with the CAA, Ivy, MEAC, Northeast, Patriot and SWAC having made announcements last month. The number of schools not playing is nearing 75 out of 127 programs, factoring in a few CAA schools considering independent schedules and Big South members Hampton and Monmouth opting out of playing even if their conference has a regular season.

The Big South, Missouri Valley, Ohio Valley, Southern and Southland conferences are still determining their direction. The Missouri Valley is home to North Dakota State, a winner of three straight FCS national titles -- and eight of the past nine.

https://www.espn.com/college-football/story/_/id/29616189/fcs-playoffs-shelved-fall-conferences-opt-wait-spring