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 • Ferrum, VA & Notre Dame, IN
When students choose between Ferrum College in Virginia and Holy Cross College in Indiana, they're comparing two small private institutions with notably different outcomes despite similar missions. Both serve as accessible pathways to higher education, but the data reveals meaningful differences in cost, completion rates, and career earnings.
The question becomes whether Holy Cross College's higher price point delivers proportional value for families weighing these options.
Median Student Debt at Graduation
$27,000
federal loans
$24,000
federal loans
Median Parent PLUS Loans
$35,650
borrowed by parents
$20,053
borrowed by parents
Ferrum College emphasizes Security & Protective Services programs alongside a diverse mix: 12% Business, 12% Education, and 6% Arts. The largest programs include Criminal Justice (23 graduates) and Teacher Education (21 graduates).
Holy Cross College is predominantly business-focused, with 42% of graduates earning degrees in business fields. Their largest program is Business/Commerce (38 graduates), followed by Psychology (19) and Communication (15).
These different program concentrations help explain the earnings gap between institutions.
For students prioritizing career earnings potential, Holy Cross College delivers meaningfully higher outcomes at a manageable cost premium. Ferrum offers lower upfront costs but saddles graduates with higher total debt and lower earning potential — a problematic combination.
The data points to Holy Cross as the stronger financial value, particularly given its better retention rates and business program strength. However, both schools present completion risks that prospective students must seriously consider.
The right choice depends on program fit, family financial capacity, and individual likelihood of degree completion in these challenging environments.
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.
