Serious playoff implications in late September. It is Saturdays like this that make college football’s decision-makers so protective of the regular season.

Week five features two high-stakes, top-10 matchups on Saturday night. No. 4 Ohio State visits No. 9 Penn State, where the Buckeyes will be greeted by the famous Beaver Stadium whiteout – one of the most electric atmospheres in college football. No. 7 Stanford kicks off at the same time at No. 8 Notre Dame, the first time in 33 meetings the Cardinal and Fighting Irish have both been in the top 10.

Now is a good time for the requisite reminder that one loss won’t put any team out of the playoff race with selection Sunday not until Dec. 2.

Still, these should be big. The last two seasons the winner of the Ohio State-Penn State game has gone on to win the Big Ten East and the conference championship (though neither of those teams made the playoff). There are still plenty of significant challenges left for the Buckeyes and Nittany Lions, the two highest-scoring teams in the country.

The impact of Stanford-Notre Dame in the playoff race is more nuanced. The Cardinal, with their challenging schedule, could be the most attractive team out of the Pac-12 for the College Football Playoff selection committee, especially with No. 11 Washington having already lost to No. 10 Auburn.

Notre Dame could box out the entire Pac-12 with a win, but the independent Irish have to make their case without winning a conference title.

The selection committee’s first rankings are still more than a month away, but Saturday night’s results from State College and South Bend will play a big role in shaping them.

The picks:

THURSDAY

North Carolina (plus 18)

at No. 16 Miami

Hurricanes made a quarterback switch in last week’s game, but have not committed to start Malik Rosier or N’Kosi Perry ...

MIAMI 35-14.

SATURDAY

Louisiana-Lafayette (plus 49)

at No. 1 Alabama

The line started at about 53 points. Maybe Nick Saban will have mercy on former assistant Billy Napier, now the Ragin’ Cajuns’ head coach ...

ALABAMA 56-10.

Tennessee (plus 31½)

at No. 2 Georgia

It was only two years ago coach Butch Jones and the Vols beat the Bulldogs for a second straight season. Life comes at you fast ... GEORGIA 55-10.

Syracuse (plus 22) at No. 3 Clemson

Syracuse is looking for its first 5-0 start since its undefeated 1987 season ...

CLEMSON 48-21, BEST BET.

No. 4 Ohio State (minus 3½)

at No. 9 Penn State

Nittany Lions had issues stopping the run in first halves against Pitt and Illinois; That won’t work against the Buckeyes ...

OHIO STATE 34-28.

Mississippi (plus 12½) at No. 5 LSU

Two FBS quarterbacks with at least 100 attempts have yet to throw an interception and LSU’s Joe Burrow is one of them (Boise State’s Brett Rypien is the other) ... OLE MISS 31-28.

Baylor (plus 23½)

at No. 6 Oklahoma

Sooners will be thrilled to see anyone but Army on the other side of the field ...

OKLAHOMA 49-24.

No. 7 Stanford (plus 4½)

at No. 8 Notre Dame

Cardinal offense has been boom-or-bust, fueled by big plays; Irish defense has been pretty good at limiting explosive plays ...

NOTRE DAME 27-21.

Southern Mississippi (plus 28) at No. 10 Auburn

Eagles and Tigers have played just once since 1993, with Auburn winning in 2008 ...

AUBURN 38-14.

No. 20 BYU (plus 17)

at No. 11 Washington

Huskies LB Ben Burr-Kirven leads the Pac-12 in tackles at 13.25 per game ...

WASHINGTON 31-10.

No. 12 West Virginia (minus 3½) at No. 25 Texas Tech

Mountaineers and Red Raiders have combined to complete 72 percent of their passes ... WEST VIRGINIA 45-35.

Pittsburgh (plus 15)

at No. 13 UCF

Knights have scored at least 30 points in each of their 16 straight victories ... UCF 42-31.

No. 14 Michigan (minus 14)

at Northwestern

Wildcats offense, already shaky, will be without leading rusher Jeremy Larkin, who retired from football this week with a neck/spine condition ...

MICHIGAN 30-13.

South Carolina (plus 1)

at No. 17 Kentucky

Typical Kentucky would lose this game; These Wildcats are different ...

KENTUCKY 27-20.

No. 18 Texas (minus 8½)

at Kansas State

Longhorns have not won in the Little Apple since 2002, with five straight losses ...

TEXAS 31-14.

No. 19 Oregon (minus 3)

at No. 24 California

How do the Ducks bounce back from giving away the Stanford game? ...

OREGON 35-21.

Central Michigan (plus 28½)

at No. 21 Michigan State

Last nonconference game for the Spartans shouldn’t be a problem ...

MICHIGAN STATE 45-21.

Virginia Tech (plus 5) at No. 22 Duke

Hokies beat Florida State and lose to Old Dominion and are now underdog to Duke. Strange days indeed ... VIRGINIA TECH 24-21, UPSET SPECIAL.

Florida (plus 7½)

at No. 23 Mississippi State

After leading the Bulldogs for nine seasons, Gators coach Dan Mullen now faces them ...

MISSISSIPPI STATE 31-20.

Florida State (minus 6) at Louisville

Been a rough start for both, but the Cardinals could be in big trouble ...

FLORIDA STATE 21-13.

TWITTER REQUESTS

Army (plus 9) at Buffalo –

@andrewside89

Bulls QB Tyree Jackson, 6-foot-7, 245 pounds, an intriguing NFL prospect ...

BUFFALO 31-24.

Utah (minus 1) at Washington State – @VegasAggie

Utes got a tough draw from the Pac-12 schedulers, getting Washington, Stanford, Oregon and Washington State from the North Division ...

UTAH 30-27.

Iowa State (plus 10½) at TCU – @joshdub–

Horned Frogs have not lost three straight since 2013 ... TCU 34-21.

Last week: 21-5 straight; 14-12 against the spread.

Season: 70-18 straight; 47-40-1 against the spread.

Upset specials: 2-2 (straight up).

Best bets: 2-2 (against the spread).

Holly Hart/AP File

Penn State running back Miles Sanders (24) finds a hole in the first quarter against Illinois during an NCAA college football game on Sept. 21 in Champaign, Ill.