A 1990 graduate of Southeastern Massachusetts University, Toal swam four seasons for Coach Jim Filippo's men's team, from 1986 through 1990.  At the end of his career, he had qualified for four NCAA Div III National Championships, earning four NCAA All-America Honorable Mention awards and was a two-time record setting New England champion.   As a freshman, Toal was fifth in the 50 Free at the All Division New Englands and qualified for the NCAA Nationals, placing 27th overall.  His career took off as a sophomore when he earned NCAA All-America Honorable Mention in the 50 Free as well as the 400 Free and as part of the Corsairs' 400 medley relay team.  In 1988, Toal had six finishes of at least fourth or better at the Div. III New Englands and qualified for nationals in four events.  Toal won his first New England championship, setting a New England record in winning the 50 Free. An NCAA National qualifier in four events, Toal was 11th in the 400 Free Relay, a 13th in the 50 Free, 14th in 400 medley relay and 18th in the 100 Free.  1990 was his final season at SMU and Toal made the most of it.  At the Div. III New Englands, he was once again the New England champion in the 200 Free Relay, setting a new meet record for a second time.   He was second in the 50 Free and 100 Free, third in the 400 Free Relay, 200 Medley Relay and fourth in the 400 Medley Relay.  In his fourth and final appearance at the NCAA Nationals Toal was an NCAA All-America honorable mention in the 200 Free Relay (10th) and the 400 Free Relay, while competing in a total of five events, with his 17th place in the 50 Free his best effort.