The set-up: Outright upset? Very possible! Memphis comes in with confidence and momentum after beating Cincinnati 29-24 in the AAC Championship Game. Memphis is led by QB Brady White, who had 3,560 passing yards with a 33:9 TD:INT. The Tigers average 39.3 PPG and they won't be lacking for motivation here after going 0-4 in their last four bowl games. The Nittany Lions are led by QB Sean Clifford, who has 2,561 yards passing and a 22:6 TD:INT. Penn State only averages 30.3 PPG.

The pick: Of importance to note in my opinion is the fact that Memphis is 4-1 ATS in its last five when playing with two weeks or more of rest, while Penn State is just 5-6 ATS as a favorite this season. The Tigers have played three ranked opponents since November and they're 3-0. I think the long lay off benefits the offense of the underdog here. That said, grab the points.

8* BLOWOUT on Memphis.