I guess anything is possible, but I don't see how we end up anywhere other than Memphis if the Liberty Bowl truly wants us. The Liberty Bowl (SEC 8) picks ahead of BBVA (9) and ahead of Indy (10).
Ahead of us:
Bama
Auburn
Missouri
USCe
LSU
aTm
Vandy
Then, its us and UM. The Bears have a better overall record, but we have the same conference record, and have the tie breaker with the head to head win. It's possible that the Liberty Bowl picks us and can do so because of that no better than one win rule. If that happens, the Bears are heading back to Birmingham.