If you had asked any college football fan or pundit last year if they believed Indiana's Fernando Mendoza would be a Heisman Trophy finalist, let alone the winner, they probably would've had to look him up first. The 6-foot-4, 230-pound senior threw for 3,711 yards and 24 touchdowns, but his 10 interceptions were the main area of concern. That's why he's on this list and could surprise a lot of folks should he continue his upward trajectory in his fifth college season. Quarterback John Mateer led them there with a relatively average season, throwing for 2,885 yards, 10 touchdowns and 11 interceptions. A Week 2 rematch with the Michigan Wolverines will be the first opportunity to put the college football world on notice.