The NCAA has playoffs in every other sport and every other division. Div. ! football doesn't have a higher graduation rate than those other sports and schools, so the argument that adding just 4 addition games to complete a playoff would hurt academics comes off as utopian silliness.
Just 4 additional games, with at most 1 team playing 3 of them, otherwise no more than 2 extra games for any team. Only 5 teams in the country would have any extra games, hardly a threat to academic standards. If that were a legitimate concern they could always set it up where any hours accumulated for practice and travel during the playoffs be offset by equivalent reductions in the spring football sessions for the affected teams. You do realize that college athletes in any sport have workouts and routines during the offseason?
addition = additional