I haven't seen either team play much this season and couldn't even pretend to name a player from either side off the top of my head. That being said, I still expect Rutgers to take it to UCF. Rutgers has a 4 year bowl game win streak going on that I really don't expect to see stopping this year. Coach Greg Schiano knows what he's doing up there and can get it done. It's been surprising to see him fall off as much as they have, but it's hard to argue with the bowl game record.
I predict the Scarlet Knights by 14+, 38-21 Rutgers.
ESPN's Accuscore gave this game a surprisingly close rating.