Teams with one bowl win combined over the past four years meet when the No. 10 Penn State Nittany Lions and No. 17 Memphis Tigers clash in the 2019 Cotton Bowl on Saturday. The Nittany Lions are seven-point favorites in the latest Memphis vs. Penn State odds, while the Over-Under for total points scored is 60. Before making any Memphis vs. Penn State picks, be sure to check out the college football predictions from the SportsLine Projection Model.

The SportsLine Projection Model simulates every FBS college football game 10,000 times. Over the past four-plus years, the proprietary computer model has generated a stunning profit of almost $4,000 for $100 players on its top-rated college football picks against the spread. It also went a sizzling 8-2 on all picks against the spread during Championship Week. Anyone who has followed it has seen HUGE returns.

Now, it has set its sights on Memphis vs. Penn State. We can tell you it's leaning Under, and it's also generated an against the spread pick that cashes in over 50 percent of simulations! You ABSOLUTELY need to see it before locking in any college football picks of your own.

Who wins Memphis vs. Penn State in the Cotton Bowl? And which side of the spread can you bank on in over 50 percent of simulations? ... Join SportsLine right now to see which side of the Memphis vs. Penn State spread to back on Saturday, Dec. 28, all from the advanced model that has generated a stunning profit of almost $4,000!