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 • Loretto, PA & Crestview Hills, KY
When students choose between Thomas More University and Saint Francis University, they're comparing two small private colleges with similar missions but vastly different track records. Both serve working-class students in Appalachian regions — Thomas More in Kentucky's Northern Kentucky corridor, Saint Francis in rural Pennsylvania.
The critical difference isn't cost, but completion: Saint Francis graduates nearly twice as many students who start there.
Median Student Debt at Graduation
$27,000
federal loans
$26,236
federal loans
Median Parent PLUS Loans
$38,844
borrowed by parents
$21,436
borrowed by parents
Thomas More is predominantly business-focused, with 31% of graduates earning degrees in business fields. The largest programs include Business Administration (84 graduates), Nursing (49), and Liberal Arts (43).
Saint Francis has a more health-focused mix, with Rehabilitation and Therapeutic Professions leading (50 graduates), followed by Allied Health (45) and Accounting (27). These program concentrations help explain why Saint Francis graduates typically earn $2,717 more at the median despite serving similar student populations.
For students prioritizing completion likelihood, Saint Francis delivers nearly double the graduation rate despite modest additional cost. Thomas More offers better value for students who do graduate — delivering stronger earnings relative to expectations — making it the better choice for highly motivated students confident in their ability to persist.
The data points to Saint Francis as the safer investment for most families, but the right choice depends on your academic preparation, support system, and risk tolerance. If completion is uncertain, Saint Francis provides better odds of reaching the finish line.
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.
