I know they're both 4 letters, but NCAA and Navy are 2 distinct words.Once again. This is literally from the Navy Athletics site. The team in question. You'd think they would understand how the system works.
Navy needs to beat SMU on Saturday to become bowl eligible. The Army-Navy game is after bowl selections are announced.
Navy Travels to Dallas to Battle 25th-Ranked SMU in Final AAC Tilt - Naval Academy Athletics
Navy and #25 SMU meet for the 25th time on the gridiron and for the 9th and final time as conference foes (SMU is moving to the ACC next year) when the two squarenavysports.com
As I mentioned earlier, FSU went to a bowl ~5 years ago when they actually weren't eligible. There's no evidence that the teams themselves know all the bowl rules. Minnesota can't be eligible before Army-Navy unless the NCAA changes their rules or their rules are ignored.