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.
Chris Johnson run for a loss of 8 yards to the TCU 38 Chris Johnson fumbled, recovered by Bayl Corey Coleman
Trevone Boykin run for 9 yds to the TCU 49 Trevone Boykin fumbled, recovered by Bayl
Chris Johnson pass complete to KD Cannon for 6 yds to the Bayl 30
Vernon Adams Jr. throws for 366 yards and three touchdowns in No. 17 Oregon's 52-42 victory over Oregon State.
TCU DE Josh Carraway recovers Baylor QB Chris Johnson's fumble and returns it 56 yards for a second-quarter touchdown to tie the game.
Jordy Joseph pass complete to Dontrell Hilliard for 66 yds for a TD