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The penultimate Wednesday of MACtion includes the UMass Minutemen hosting the Northern Illinois Huskies. Massachusetts (0-9, 0-5 MAC) is the lone winless team left in FBS and is coming off a 44-10 defeat to Akron last Tuesday. NIU (2-7, 1-4 MAC) suffered a Nov. 5 loss to Toledo, 42-3, to secure a losing record this year after back-to-back seasons with winning records and bowl victories. Northern Illinois has won all three prior matchups.

Kickoff is at 7 p.m. ET from Warren McGuirk Alumni Stadium in Amherst, Mass. NIU prevailed in the last meeting in 2024, taking the home contest, 34-20. The Huskies are 10.5-point favorites in the latest Northern Illinois vs. UMass odds, while the over/under for total points scored is 43.5. Before making any UMass vs. Northern Illinois picks, check out the college football predictions from the SportsLine Projection Model

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The model simulates every FBS game 10,000 times. Since its inception, it has generated a betting profit of over $2,000 for $100 players on its top-rated college spread football picks. Anybody following its college football betting picks at sportsbooks and on betting sites could have seen strong returns.

Now, the model has set its sights on UMass vs. Northern Illinois. You can visit SportsLine now to see the picks. Here are the FBS college football odds and trends for NIU vs. Massachusetts:

UMass vs. Northern Illinois spread

NIU -10.5 at DraftKings Sportsbook

UMass vs. Northern Illinois over/under

43.5 points

UMass vs. Northern Illinois money line 

NIU -441, UMass +338

UMass vs. Northern Illinois picks

See picks at SportsLine

UMass vs. Northern Illinois streaming 

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How to make Northern Illinois vs. UMass picks

SportsLine's model has simulated Massachusetts vs. NIU 10,000 times and is going Over 43.5 total points. The last two NIU road games have hit the Over as the average point total in those games was 57 points. For UMass, it has seen three straight contests go over as both squads are projected to eclipse their season averages in scoring by at least five points.

The teams combine for 48 points as the Over hits in almost 60% of simulations.

The model also says one side of the spread hits nearly 60% of the time. You can only get the pick at SportsLine.   

So who wins UMass vs. Northern Illinois, and which side of the spread hits almost 60% of the time? Visit SportsLine now to see which side of the Northern Illinois vs. UMass spread to jump on, all from the advanced model that finished up over $2,000 on its FBS college football picks since its inception, and find out.