FIU

The Panthers' offseason hinges on whether JJ Kohl can single-handedly elevate a program that lost quarterback Keyone Jenkins and key skill position talent. FIU's JP+ rating of -7.2 points ranks 108th nationally, with the offense (-4.5, 115th) dragging down an improved defense (-2.7, 104th) and respectable special teams unit (-0.1, 77th). The transfer portal reshuffled the deck significantly — 21 departures cost 89.2 PPA while 16 arrivals added 81.8 PPA back, headlined by Kohl's arrival from Appalachian State. Jenkins transferred to UCF along with receiver Alex Perry (Illinois) and tight end Dallas Payne, creating holes throughout the offensive depth chart.

JP+ projects just 1.2 wins for the Panthers, who face a brutal three-game slate against South Florida, FAU, and Buffalo that offers little margin for error. Kohl's 81.8 PPA dwarfs the production of any departed player, suggesting the former Appalachian State signal-caller represents FIU's best hope for offensive competency in what could be another lost season. If Kohl adapts quickly and the defense maintains its relative strength, the Panthers might exceed those modest expectations. If the quarterback transition stumbles, FIU could be staring at another winless campaign.