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 • Santa Clara, CA & San Francisco, CA
When students choose between University of San Francisco and Santa Clara University, they're comparing two paths to Silicon Valley careers at different price points. Both schools offer business-focused programs in the Bay Area's competitive job market.
But Santa Clara delivers significantly higher earnings outcomes — $109,183 versus $89,812 at the median. The data reveals a clear tradeoff between upfront affordability and long-term earning potential in one of America's most expensive regions.
Median Student Debt at Graduation
$19,162
federal loans
$23,000
federal loans
Median Parent PLUS Loans
$56,271
borrowed by parents
$44,413
borrowed by parents
USF is predominantly business-focused, with 30% of graduates earning degrees in business fields. Santa Clara has a more balanced mix: 25% Business, 14% Social Sciences, 13% Engineering.
USF's largest programs include Registered Nursing (260 graduates annually) and Business Administration (137). Santa Clara's top programs include Finance (149 graduates) and Communications (122).
Santa Clara's engineering component — 13% of graduates — helps explain the higher earnings trajectory, as tech-sector opportunities command premium salaries in the Bay Area.
For students prioritizing long-term earning potential and willing to invest more upfront, Santa Clara University delivers meaningfully higher career outcomes at $19,371 more in median earnings. USF offers solid business programs at $11,464/year less, making it the better choice for cost-conscious families seeking Bay Area opportunities without excessive borrowing.
The data points to Santa Clara as the stronger long-term investment — graduates earn enough extra to more than offset the higher costs. But the right choice depends on your family's financial capacity, risk tolerance, and career ambitions.
If you can manage the investment, Santa Clara's earnings advantage creates lasting financial benefits.
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.
