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 • Hackettstown, NJ & Chicopee, MA
When students choose between College Of Our Lady Of The Elms and Centenary University, they're comparing two similar-sized private colleges with different career orientations. Both charge around $20,000/year in net price and serve broad-access student populations.
The key difference lies in career preparation: Elms channels students into health sciences careers, while Centenary prepares graduates for business and professional fields. The earnings data reflects these different pathways.
Median Student Debt at Graduation
$23,163
federal loans
$25,000
federal loans
Median Parent PLUS Loans
$22,725
borrowed by parents
$28,117
borrowed by parents
Elms is predominantly health-focused, with nursing as its flagship program graduating 114 students annually, followed by social work and communication disorders. The program mix includes 12% business and 8% education.
Centenary has a more business-oriented approach, with 33% of graduates earning degrees in business fields. Its largest programs include business administration (109 graduates), design and applied arts, and criminal justice.
These program concentrations directly influence the career trajectories and earning potential graduates can expect.
For students prioritizing business careers and slightly higher earnings potential, Centenary University delivers modestly better outcomes at a comparable cost. Elms offers the stronger choice for students committed to health sciences, particularly nursing, despite the concerning debt burden.
Both schools present financial risk with high total debt loads exceeding $45,000. The data points to Centenary as having a slight financial edge, but the right choice depends on career goals above all else.
Neither offers a clear path to strong economic returns, making program fit and graduation likelihood the decisive factors for students considering these options.
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.
