If conference champs are in, they don't have to be in the top 8.
So if it magically ended today, Washington at 11 is in.
The playoff would look like:
Bama - sec winner
Clemson - acc winner
OU - Big 12 winner
OSU - BIG 10 winner
Wash - Pac 12 winner
ND - At large - ranked 3rd
UGA - At large - ranked 4th
Michigan - At Large - ranked 7th
So UCF at 8 would be left out.
And this is a weird year because Bama and Clemson have been chalk. In years with more parity, ND would have lots of issues getting in.