I consider this line short. Youngstown State is on a season-best five-game win streak. The Penguins are showing defensive improvement holding their last four opponents to 70 points or fewer. They are tough at home, too, going 8-3-1 ATS during their last 12 home contests. 
Youngstown State averages three points more per game than IUPUI and plays much better defense. The Jaguars rank 288th in scoring defense allowing 75.5 points a game. They are 327th in defensive field goal percentage. 
The Jaguars have failed to cover five of the last six times they've gone against an above .500 opponent.