The same weekend Indiana fans screamed obscenities in a stadium stairwell after a 19-15 loss to Ohio State and Auburn stunned No. 1 Georgia on a last-second field goal, the real losers weren't on the field — they're the students and families financing the whole operation.

College football's top tier delivered chaos Saturday: Indiana's 22-game win streak died on a boneheaded sideline blunder, and Georgia fell 27-24 to a three-touchdown underdog on the final play. CNN framed Indiana's loss as the "painful side" of arriving as a big-time program. USA TODAY called Auburn's upset proof that "virtually no team and no record is safe." Both outlets missed the actual pain — the nine-figure stadium renovations, the NIL arms race, and the debt loaded onto students who'll never see a luxury suite.

Indiana's downfall came courtesy of Nick Marsh, a Michigan State transfer the program "paid handsomely" to lure through the portal, according to CNN. On fourth down with the game on the line, Marsh caught a pass in the end zone — wide open, "butt naked" as one fan put it — then casually stepped on the white out-of-bounds line. Touchdown negated. Win streak over. Fans descending the Memorial Stadium stairwell lit into the NIL money spent on Marsh, and they weren't gentle about it.

Quarterback Josh Howard, another transfer from TCU, completed just 20 of 40 passes in the loss. The previous hero, Fernando Mendoza, was described by CNN as having "taught people about fiscal responsibility" — an ironic detail for a program now burning cash on portal pickups who can't stay in bounds.

Down in Georgia, the Bulldogs blew a 14-0 lead at home. Gunner Stockton threw two interceptions and fumbled in the final minute, setting up Auburn McPherson's 34-yard game-winner for Auburn. USA TODAY noted Georgia ran for just 113 yards on 28 carries — a stunning no-show from a program that has spent like royalty to stay atop the SEC.

Auburn's win, meanwhile, is an early proof of concept for new coach Alex Golesh, who took over after Hugh Freeze. The Tigers had lost nine straight in the series. Golesh looks like "Vince Lombardi compared to his predecessor," USA TODAY reported. Give it time — the extension and buyout will come.

Here's what neither outlet mentioned: every dollar funneled into transfer portal bidding wars, stadium expansions, and coaching buyouts is a dollar not spent on the students actually paying tuition. The NIL deals fans were cursing in that Indiana stairwell? That's the market universities created when they decided getting on TV was worth any price. The fans screaming about Marsh's contract had it half right — the money is the problem. They just aimed it at the wrong target.

The chaos atop the polls will sort itself out by December. The bill for all this won't.