FYI, in 2014 NIU would get an automatic bid to one of the top 6 access bowls and would playing either LSU or Texas A&M in the Cotton, Fiesta, or Chick-fil-A. They would also still get that big, access bowl payout as well.
The only reason they wouldn't be "getting in over OU, LSU, A&M, and Clemson" is because there are 2 more spots and Louisville wouldn't get in.