Penn State vs. Rutgers prediction: Fade the Nittany Lions as a big chalk

Penn State is currently in the No. 12 spot in this week's College Football Playoff rankings. If the playoff expanded from four to 12 teams, Penn State would be the last team left standing. Penn Staters play Rutgers on Saturday.

Rutgers is a +19 favorite against Penn State. The Nittany Lions are on a 4-0 ATS run. Rutgers is 7-3 ATC on the season. It's expected to be cold in New Jersey on Saturday afternoon. Rutgers' defense has given up more than 17 points just twice in the last nine games. Michigan State, Minnesota and Iowa have scored more that 21 points on Rutgers. They also lost to the Wolverines and Buckeyes. There's a wind chill in mid-30s at kickoff. For Rutgers, the weather and defense are the main reasons to back them.