I do think that Coach Kelly deserves some consideration as the HCOY. He's finally evolving, and realizing that sometimes, it's better to let your talented underlings make the choices for you, so you don't spread yourself too thinly.
The voters, though, are unlikely to give it to him. They're not exactly that favorable to ND coaches, and he's not going to gain politically correct points the way that Ty Willingham did in 2002.
They'll probably give it to Josh Heupel. He's undefeated, and has UCF in the top 10 in his first year as HC.