Played around with ChatGPT to get early season lines and odds of win totals. Very, speculative obviously but overall I think a pretty clean picture..
Using Bill Connelly’s final preseason SP+ ratings from August 13 and a 2.5-point home-field adjustment, we can create a clean lookahead line for essentially the entire Rutgers schedule. SP+ currently has Rutgers No. 61 at +2.7 and projects 5.4 wins. Rutgers’ official schedule confirms the home/road locations below.
| Date | Game | SP+ lookahead spread |
| Sept. 3 | UMass | Rutgers -38 |
| Sept. 11 | @ Boston College | Rutgers -2.5 / -3 |
| Sept. 19 | USC | USC -12.5 |
| Sept. 25 | Howard | Rutgers ~-30* |
| Oct. 3 | Indiana | Indiana -20.5 |
| Oct. 17 | @ Maryland | Maryland -5 |
| Oct. 24 | @ Northwestern | Northwestern -5 |
| Oct. 31 | Michigan | Michigan -12 |
| Nov. 7 | @ Wisconsin | Wisconsin -3.5 |
| Nov. 14 | Nebraska | Nebraska -4 |
| Nov. 21 | @ Penn State | Penn State -16 |
| Nov. 28 | Michigan State | Rutgers -3 |
*Howard is FCS and therefore isn’t in the FBS SP+ table, so that’s an estimate rather than a direct SP+ calculation.
The Rutgers season suddenly makes a lot more sense
I’d divide it into four buckets:
Very likely wins:
UMass
Howard
Rutgers favored, but real games:
@ Boston College RU -3
Michigan State RU -3
Games Rutgers can absolutely win:
@ Wisconsin +3.5
Nebraska +4
@ Maryland +5
@ Northwestern +5
Major upsets:
Michigan +12
USC +12.5
Penn State +16
Indiana +20.5
That’s a fascinating setup relative to a 4.5/5.5 win-total discussion.
They have two games that should be close to automatic, two more where they’re actually favored, and four additional games where they’re only about 3.5–5 point dogs. They don’t need some crazy upset of Indiana or Penn State to get to six.
The path to a bowl could simply be:
UMass + Howard + BC + Michigan State = 4
Then go 2-2 against:
Wisconsin / Nebraska / Maryland / Northwestern
…and you’re 6-6 without beating anybody SP+ currently ranks in the top 32.
In fact, SP+ itself landing at 5.4 projected wins is telling. They’re basically sitting directly on the 5-to-6-win knife edge.
The games I’d circle
Boston College is enormous. If Rutgers wins there, they’re overwhelmingly likely to be 3-0 outside the USC game by the end of September. BC is only 82nd in SP+ at -2.5, compared with Rutgers at +2.7.
Then Michigan State at home might be the sneaky biggest game on the entire schedule. SP+ has MSU 62nd at +2.2, essentially identical to Rutgers, which is why home field makes Rutgers about -3.
And Wisconsin is much more winnable than the name implies. SP+ has Wisconsin only 53rd at +3.8, barely one point better than Rutgers on a neutral field. Camp Randall is basically what’s producing that -3.5.
So if you’re looking at this from the perspective of Rutgers over 4.5 wins, I like the structure quite a bit. Over 5.5 is a much more interesting decision because you’re effectively betting that they win BC/MSU and then grab two of those four middle-tier Big Ten games.