The 21 points tied a career high for Summers, who added six rebounds. Carter also had six rebounds.
Jaylen Walker had 13 points and three blocks for Navy (21-10).
Javante McCoy tied a career high with 30 points for the Terriers (21-12). Sukhmail Mathon added 14 points. Ethan Brittain-Watts had 13 points.
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