Western Kentucky started their season with a loss to Kansas State of Division I-A, and the team was 2–3 after their first five games. They then won six games in a row, to finish their regular season with an 8–3 record (7–1 in conference). Unseeded in the playoffs, the Hilltoppers defeated Murray State, second-seed Western Illinois, and third-seed Georgia Southern to reach the final. This was the first appearance for Western Kentucky in a Division I-AA championship game.
McNeese State finished their regular season with a 9–1 record (6–0 in conference); their only loss was to Nebraska of Division I-A.[3] The Cowboys, seeded first in the tournament, defeated Montana State, Montana, and Villanova to reach the final. This was the second appearance for McNeese State in a Division I-AA championship game, having lost in 1997.
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