Youngstown State finished their regular season with a 9–2 record (4–2 in conference).[5] Seeded eighth in the playoffs, the Penguins defeated ninth-seed Hampton, first-seed Villanova, and third-seed Eastern Washington to reach the final. This was the fifth appearance for Youngstown State in a Division I-AA championship game, having won three titles (1991, 1993, and 1994) against one loss (1992).
McNeese State finished their regular season with a 10–1 record (6–1 in conference).[6] The Cowboys, seeded sixth, defeated 11-seed Montana, second-seed Western Illinois, and fourth-seed Delaware to reach the final. This was the first appearance for McNeese State in a Division I-AA championship game.
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