Navy is coming into this game with an 8-17 record this season and they have been awful in the conference this year at 4-10. Their last win came at home against Army back on January 20 and they have lost their last 8 straight games since then. They have also been awful on the road as they have lost their last 6 straight games on the road with a majority of those losses coming by 8+ points. They are going up against a Loyola MD team that is 6-21 this season and has actually been better in the conference despite being 4-10. They have also been playing much better recently as they have won 2 of their last 4 games. Loyola MD has also been an awful team this season but recently they have been performing much better in the conference than Navy has been. Loyola MD also beat Navy on the road by 4 points earlier this season and their offense has been much better recently as well. They have scored at least 70 points in their last 2 games which is a number that Navy has not cracked in 6 straight games and recently their offense has been much better which will give them the edge here at home against Navy and their awful offense. Loyola MD is going to cover the spread in this game.