Head-to-Head Analysis
This analysis was generated using Azimuth's proprietary framework. Our data model transforms federal education data into actionable insights. Learn about founder Daniel Rogers, explore our research methodology, or see how we think about this data.
Updated January 2026 • Abilene, TX & Lacey, WA
When students choose between Abilene Christian University and Saint Martin's University, they're comparing two private institutions that achieve similar outcomes through different approaches. Both schools produce business-focused graduates, but ACU operates in Texas with broad access admission while Saint Martin's serves Washington state with more selective admission.
The key difference emerges in institutional effectiveness: ACU dramatically outperforms earnings predictions while costing significantly less.
Median Student Debt at Graduation
$24,250
federal loans
$22,500
federal loans
Median Parent PLUS Loans
$26,542
borrowed by parents
$22,678
borrowed by parents
ACU is predominantly business-focused, with 27% of graduates earning degrees in business fields. Saint Martin's has a more balanced mix between business (22%) and engineering (21%).
ACU's largest programs include Sports and Kinesiology (72 graduates), Finance (71), and Nursing (67). Saint Martin's emphasizes Business Administration (54), Mechanical Engineering (38), and Psychology (36).
This program composition helps explain why Saint Martin's graduates typically earn more initially, though ACU delivers stronger value relative to student demographics.
For students prioritizing financial value and institutional effectiveness, ACU delivers exceptional outcomes at $9,904/year less than Saint Martin's. While Saint Martin's offers higher raw earnings and engineering programs, ACU's ability to dramatically exceed earnings predictions while serving more challenging student populations makes it remarkable.
The data points to ACU as the stronger financial value — especially for families concerned about college affordability. Saint Martin's remains viable for students specifically drawn to engineering or the Pacific Northwest, but ACU provides better value for the typical student seeking business-focused education.
Key Takeaway
The numbers are close, but the best school depends on your goals, values, and career aspirations.
This comparison was generated using Azimuth's proprietary ROI framework, developed by founder Daniel Rogers. Our methodology transforms federal education data into actionable insights for families.
This comparison uses Azimuth's proprietary ROI model based on U.S. Dept. of Education data. View Full Methodology.
This content is for educational and informational purposes only and should not be construed as financial, investment, or professional advice. Consult a qualified advisor before making any financial decisions.
College Azimuth is a private research initiative and is not affiliated with the U.S. Department of Education or Federal Student Aid.
