Florida International's 0-4 record is a bit deceiving and Western Kentucky can't score. The Hilltoppers are near the bottom in college football in points and yards per game. They are averaging 11.6 points in their last six games and haven't scored more than 24 points in a game all season. 

The Panthers nearly upset 21st-ranked Liberty, losing 36-34 on the road. They were impacted by COVID-19, but are coming out of that now. Western Kentucky hasn't won a game by more than 3 points all season. 

The Hilltoppers are 5-17-1 ATS the past 23 times when laying points and have covered just 20 percent of their past 11 games going 2-8-1 ATS. Florida International, on the other hand, has covered 12 of the last 17 times it has been a 'dog.