Both offenses struggled to get things going in the first half. The two teams traded punts on most of the first half possessions before the Bulls added a late field goal to take a 3-0 lead into halftime.
Freshman Stephen Morris started the game at quarterback for the Hurricanes. He completed 8-of-17 passes for 78 yards and threw an interception that led to points for the Bulls.
Both starting quarterbacks were replaced in the third quarter, as USF's B.J. Daniels wasn't able to generate much offense either.
After USF gave the ball back to Miami early in the fourth quarter, Miami turned to another freshman. Storm Johnson took his first carry 71 yards for a touchdown, giving Miami a 14-10 lead.
After the Canes added a Matt Bosher field goal to go up seven, USF freshman walkon Bobby Eveld led the Bulls down on a game-tying touchdown drive that ended with a quarterback sneak from the one yard line with two minutes left in the game.
Despite a late drive by Miami, Harris threw an interception near the end of regulation to end Miami's hopes of a late field goal.
After the game went to overtime, Miami got the ball first and a Bosher field goal gave the Canes a three-point lead.
USF got the ball for their possession in overtime and ran the ball 25 yards on just a few plays to end the game.
The loss gives Miami a 7-5 finish to the regular season. It will now prepare for another late-December bowl game.