Panthers are a mess. Sub-par defensively and athletically challenged to say the least.
Loyola isn't anything special, but they typically play close games. They are 6-1-1 in their last 8 ATS; UNI is 1-7. Loyola already beat UNI in overtime at their place last month.
Something tells me oddsmakers are baiting us to back the Ramblers here, because this line should be about +8 at most.