The combination of Rutugers' improvement under Greg Schiano and an Ohio State letdown puts me on the Scarlet Knights getting this many points.
Rutgers knocked off Michigan State, 38-27, opening week and hung tough in a 37-21 loss to then No. 17 ranked Indiana in its two games. The Knights' win against the Spartans is made even more impressive after Michigan State defeated Michigan last Saturday. 
The Buckeyes could be in letdown mode after defeating then 18th-ranked Penn State, 38-25, last week. Ohio State loses some of its home field advantage as just 1,600 people will be allowed into 100,000-seat Ohio Stadium. 
Even if Ohio State builds up a huge early lead there may be a reluctance to humiliate Schiano, who was the Buckeyes' associate head coach and defensive coordinator from 2016-18.