Central Florida: UCF went winless in 2015 (0-12) but ended the school's 13-game losing streak with a season-opening 38-0 home win over South Carolina State (FCS school). The Golden Knights then lost 51-14 at Michigan but impressed by taking Maryland to two OTs before losing in Orlando, 30-24. The Knights will be playing their last non-conference game of the season in Miami on Saturday night against FIU, as the team will open AAC play on October 1 at East Carolina. First-year head coach Scott Frost had his team on the brink of a win over a Power Five team against the Terps, even though surprise QB starter McKenzie Milton (a freshman), struggled in the contest. Milton had some decent moments against the Terps but he turned the ball over three times in the first two quarters and his fourth turnover helped the Terps win in the second OT.

Florida International: The Golden Panthers enter 0-3 with losses to Indiana, Maryland (41-14!) and at UMass last week. Ron Turner is in his fourth season in Miami and checks in with a 10-29 overall record. FIU bested UCF 15-14 last season, as UCF completed one of just two, winless seasons among FBS schools (Kansas also went 0-12). In that game, Panthers QB Alex McGough completed 29 of 38 passes for 260 yards and a TD, while RB Alex Gardner rushed for 75 yards and a score. However,
McGough is still looking for his first TD pass in 2016, after 90 attempts (he has four INTs). The lone bright spot for an FIU offense which is averaging 13.3 PPG (ranks 125th of 128 schools), is Gardner, who has run for 262 yards (5.3 YPC) and three TDs.

The pick: Expect revenge-minded UCF to get the win and cover in this one. During a horrific 0-12 season, FIU was able to edge UCF just 15-14, holding on to win only when the Panthers blocked a 47-yard FG attempt in the game's closing seconds. That loss ended a 10-game home win streak for the Knights, which was the second-longest in school history. Lay the points and make UCF a 10* play.