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 • Frostburg, MD & Fredericksburg, VA
When students choose between Frostburg State University and University of Mary Washington, they're comparing two mid-sized public universities with notably different value propositions. Frostburg offers Maryland affordability with health-focused programs, while UMW provides a Virginia liberal arts experience at a higher price point.
The data reveals a classic cost-versus-outcome tradeoff that makes the 'right' choice highly dependent on individual circumstances and career goals.
Median Student Debt at Graduation
$21,105
federal loans
$20,500
federal loans
Median Parent PLUS Loans
$21,004
borrowed by parents
$26,240
borrowed by parents
Frostburg State is predominantly health-focused, with nursing leading at 142 graduates annually, followed by business administration (91) and psychology (77). The program mix shows 12% Business, 7% Social Sciences, and 6% Education.
University of Mary Washington emphasizes business programs at 16% of graduates, with business administration producing 173 graduates, followed by liberal arts (129) and psychology (102). UMW's broader mix includes 15% Social Sciences and 5% Arts, reflecting a more traditional liberal arts orientation that shapes different career trajectories.
For students prioritizing affordability and health-focused careers, Frostburg State delivers solid value at $5,785/year less with strong institutional effectiveness. UMW offers the stronger overall package for students who can manage the higher cost — better completion rates, higher earnings, and broader program options make it worth the premium for many families.
The data suggests UMW as the more reliable investment, but Frostburg serves students well who need the lower price point and align with its health program strengths. Budget-conscious families should consider Frostburg's affordability advantage, while those prioritizing completion confidence and earning potential should lean toward UMW despite the higher upfront cost.
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.
