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 • Ave Maria, FL & Miami Gardens, FL
When students choose between St. Thomas University in Miami Gardens and Ave Maria University in southwestern Florida, they're comparing two small Catholic institutions with very different financial realities.
Both schools serve similar populations and offer business-focused programs, but the hidden cost lies in family borrowing patterns. Ave Maria's families face significantly higher Parent PLUS debt loads despite the school's lower sticker price — a classic parent trap scenario.
Median Student Debt at Graduation
$20,776
federal loans
$19,125
federal loans
Median Parent PLUS Loans
$37,017
borrowed by parents
$13,272
borrowed by parents
St. Thomas University is predominantly business-focused, with 35% of graduates earning degrees in business fields.
Ave Maria has a more balanced mix: 20% Business, 9% Social Sciences. St.
Thomas's largest programs include Registered Nursing (92 graduates annually) and Business Administration (57), reflecting its professional orientation. Ave Maria's top programs include Business Administration (24), Psychology (21), and Theological Studies (17).
Both institutions emphasize career preparation, but St. Thomas concentrates more heavily on high-demand professional fields.
For students prioritizing financial outcomes and family debt management, St. Thomas delivers higher earnings with significantly lower parent borrowing requirements.
Ave Maria offers a higher graduation rate and may appeal to students seeking a more traditional liberal arts environment with theological studies options. The data points to St.
Thomas as the stronger financial value — the combination of better earnings and lower family debt burden creates a compelling advantage. However, the right choice depends on your program interests, family financial capacity, and whether you value Ave Maria's higher completion rates enough to justify the substantial additional family investment.
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.
