Kyle Pohl passed for 259 yards and three touchdowns as the Zips (5-7, 4-4 Mid-American Conference) closed the season with three straight wins.
Toledo (7-5, 5-3), previously knocked out of the Mid-American race, was hoping to improve its bowl chances with eight wins. Terrance Owens answered Pohl with two scores in the final 5:37, hitting Bernard Reedy from the 28, and guiding a 10-play drive capped by a Marc Remy run from the 3 with 59 seconds left before Cheek and Pratt saved the win.
The Zips trailed 7-0 and 10-7 early, but after three unanswered scores led 24-10 in the third quarter. After Toledo lost the ball on downs in the fourth, Pohl fired a 35-yarder and a 31-17 lead.
Week 12 of the college football season is here, which means Phil Steele, Chris Fallica and Stanford Steve are back to give their best bets in 14 games, including Michigan-Wisconsin and UCLA-USC.
There aren't any big ranked matchups in the Big 12 this week, but Oklahoma and TCU must take care of business on the road if they want to meet later.
Wisconsin will try to stay in control of their playoff destiny against Michigan, while Ohio State will look to make up some ground in the race.
With some SEC outfits taking a nonconference breather, we turn our attention to Mizzou, aiming to win a fifth straight and book a postseason trip.
What would you pay for a good cupcake? Alabama is shelling out $600,000. That money pays for an all-but-guaranteed victory for the Tide, but the real winners are the cupcakes themselves.
It's a must-win game for Pitt, but Virginia Tech has the edge; Wake should manage to squeeze by the Orange.