4. J.J. McCarthy - Michigan
Early in the season, J.J. McCarthy was playing as well as anyone and was a real contender for the Heisman Trophy. The second half of the season has not been as strong for him and the Michigan offense. Whether that is by design, as the Wolverines' defense strangled opponents, or if McCarthy is dealing with an injury is unknown. He completed 74.2% of his passes this season with only four interceptions, but Michigan has had one passing touchdown since October 21. They'll need more from McCarthy to beat Alabama.