CHATTANOOGA, Tenn. (AP) _ Don't call the Massachusetts Minutemen losers anymore. Try national champions.

Marcel Shipp rushed for three touchdowns and 244 yards as 11th-seeded Massachusetts upset top-ranked Georgia Southern 55-43 for its first Division I-AA championship Saturday.

The victory capped an amazing turnaround for the Minutemen (12-3) who rebounded from a 2-9 record in 1997 by winning more games than any other team in school history.

Massachusetts completed a magical season by forcing four-time national champion Georgia Southern (14-1) into seven turnovers, which the Minutemen converted into 31 points.

By the time it was over, Massachusetts set a title game record for points and the teams, two of the top three offenses in Division I-AA, combined for the most points ever in a title game.

Massachusetts jumped on the Eagles quickly, forcing a record four fumbles in the first quarter. The Minutemen never trailed after driving 67 yards in the first two minutes for a 7-0 lead.

Georgia Southern had won its other three playoff games by at least 20 points but never looked comfortable Saturday.

Kole Ayi picked up Greg Hill's fumble on the Eagles' second possession and returned it 9 yards for a TD and a 14-0 lead. Ayi recovered another fumble three minutes later on the Eagles 7, and the Minutemen scored a play later as Jamie Holston hit Adrian Zullo for a TD and a 21-7 lead.

Georgia Southern, which had been looking for its first national title since 1990 and fifth overall, didn't give up despite trailing 38-21 at halftime.

The Eagles held Massachusetts scoreless in the third quarter and kept the ball for most of the quarter in closing to 38-33 on TD runs by Adrian Peterson and Hill. But their final turnover, a fumble by Hill with 13:30 left, set up Shipp's third TD.