College football’s surprise: Miami and Indiana meet for a title in a matchup nobody saw coming.

MIAMI GARDENS, Fla. (AP) — One program long lived with the distinction of losing more games in the history of college football than anyone. The other has enjoyed its fair share of glory and contempt — albeit all of it old enough to be packaged in grainy documentaries, or retold among the tall tales of an era long gone by.

Indiana and Miami are playing for the national title Monday night, and if that has you scratching your head thinking “Who?” or “What?” then you are not alone.

Even...