Northern Illinois (-11.5) leads Toledo 7-0 after the opening drive. Both teams are 5-0 in MAC play. NIU has a great running game (11th at 243yd/game) and a solid defense (16th at 18.7 points/game). The Huskies have a win over Minnesota and losses to Illinois and Iowa State. That qualifies for a great MAC team.
Toledo, while 5-0 in conference, hasn't been very good at anything. They aren't in the top 50 in any major category. They do own a win over Purdue, but they do have losses to Boise State, Arizona, and Wyoming. One of those is not as respectable as the others.
I'm taking NIU to cover, and I'm liking the under (around 51 or 52 depending the site).
The guys over at JCB say otherwise (Toledo +11.5 at least), and have a great preview for those interested.