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Saint Francis University

Loretto, PA 15940 — Private Nonprofit

Value Score: 75/100 | ROI Score: -65 | Affordability Score: 55/100

Tuition (In-State): $44,000 | Out-of-State: $44,000

Acceptance Rate: 76.8% | Graduation Rate: 73.5% | Retention Rate: 83.0%

Median Earnings (10yr): $62,101 | Median Debt: $27,000

SAT Average: 1155

Student Body Size: 1,557 (small)

Pell Grant Recipients: 17.7% | Federal Loan Rate: 37.1%

Average Faculty Salary: $7,645/month

Tuition & Affordability Analysis

In-state tuition at Saint Francis University is $44,000 per year, which is 12% above the national average for private institutions.

Out-of-state students pay $44,000/year — a premium of $0 over in-state rates. Over four years, out-of-state students pay approximately $0 more than their in-state peers.

Estimated four-year tuition cost: $176,000 (tuition only, not including room, board, and fees).

What You Actually Pay: Net Price by Family Income

The sticker price rarely reflects what families actually pay. After grants and scholarships, here is the average net price by family income bracket at Saint Francis University:

  • Families earning $0–$30,000: $21,906/year
  • Families earning $30,001–$48,000: $19,995/year
  • Families earning $48,001–$75,000: $22,677/year
  • Families earning $75,001–$110,000: $28,717/year
  • Families earning $110,000+: $22,945/year

Low-income families receive an average discount of $22,094/year, paying just 50% of the sticker price.

Admissions Snapshot

Saint Francis University has an acceptance rate of 76.8%, placing it in the Less Selective (70–85%) category. This means roughly 507 students apply each year.

The average SAT score of admitted students is 1155, 9% above the national average. This is within the mid-range nationally.

Graduate Outcomes & Return on Investment

73.5% of students at Saint Francis University complete their degree, 19% above the national average. This is a solid graduation rate.

First-year retention rate: 83.0% (near the national average). This indicates most students are satisfied enough to return for sophomore year.

Graduates of Saint Francis University earn a median salary of $62,101 ten years after enrollment, 52% above the national average. This represents a $27,101/year earnings premium over the average high school diploma holder, or $813,030 in additional lifetime earnings over a 30-year career.

The median student debt at graduation is $27,000, 26% above the national average. On a standard 10-year repayment plan at 5.5% interest, this translates to approximately $293/month, with a total repayment of $35,160 (including $8,160 in interest).

Debt-to-Earnings Ratio: 0.43x. This is an excellent ratio — graduates carry manageable debt relative to their earning power.

Breakeven Point: Based on the earnings premium over high school graduates, a degree from Saint Francis University pays for itself in approximately 7 years. This is a reasonable investment timeline.

Financial Aid Profile

17.7% of students at Saint Francis University receive Pell Grants (federal need-based aid for families earning under ~$60,000), 46% below the national average. A lower Pell rate suggests the student body skews toward higher-income families. Merit aid may be more prevalent than need-based aid.

37.1% of students take federal loans, 21% below the national average. This is a moderate borrowing rate.

Average faculty salary: $7,645/month, 12% below the national average. Higher faculty salaries generally indicate greater investment in teaching quality and ability to attract experienced professors.

Student Body & Campus Diversity

Saint Francis University enrolls 1,557 undergraduate students. This mid-sized institution offers a balance between personalized attention and diverse academic offerings.

Diversity Index: 40/100 (higher = more diverse). The student body is less diverse than average.

Student body composition: White 77%, Hispanic 3%, Black 7%, Asian 2%.

Saint Francis University: Strong Graduation Rates and Good Earnings Potential

Report Card: Overall Grade C-

Saint Francis University receives an overall grade of C- based on six dimensions:

  • Academics: C
  • Value: F
  • Outcomes: B
  • Affordability: C+

College Analysis

Saint Francis University is a Private Nonprofit institution in Loretto, PA with approximately 1,557 students. Saint Francis University has a strong graduation rate of 73.52%, indicating a supportive academic environment. The median earnings 10 years post-graduation are $62,101, suggesting a good return on investment for graduates. The university's admission rate of 76.82% is relatively high, indicating a more accessible path to higher education. The university offers a tuition of $44,000 per year, which is on par with its peers in the region.

The Verdict: Is Saint Francis University Worth It?

Saint Francis University presents a complex value proposition. With an in-state and out-of-state tuition of $44,000, it is a significant investment. The median earnings of $62,101 after 10 years, while respectable, are not exceptionally high, especially when compared to the cost of attendance. The median debt of $27,000 is a moderate figure, but when combined with the tuition cost, it leads to a negative ROI score of -65, indicating that, on average, graduates are not recouping their investment within a typical timeframe based on these metrics. The debt payoff timeline, considering the median debt and median earnings, could extend to 5-7 years, assuming a significant portion of income is dedicated to repayment and without accounting for interest. While the university offers a personalized educational experience and strong outcomes in specific fields like health sciences, the overall financial return on investment appears to be a concern. For students who can secure substantial financial aid or scholarships, or those pursuing high-demand, high-earning fields where SFU has a strong program, the value may increase. However, based purely on the provided financial metrics, Saint Francis University appears to be overpriced for the average graduate's earning potential. It is not a clear 'good deal,' nor is it a 'hidden gem' from a purely financial ROI perspective. Recommendation: Prospective students should carefully evaluate their chosen major's earning potential and aggressively seek scholarships and aid to mitigate the high tuition cost.

Return on Investment

While the tuition is high, the good earnings potential and low debt make it a potentially worthwhile investment for students.

Debt Reality Check

Median student debt at Saint Francis University: $27,000. Monthly payment on a standard 10-year plan: $307/month. Total repaid: $36,840 ($9,840 in interest).

Breakeven vs high school diploma: 0.8 years. Debt burden: Manageable. Salary needed for comfortable repayment: $36,840.

Strengths

  • Strong graduation rate and good earnings potential.
  • Low median debt for students.

Weaknesses

  • Higher tuition cost compared to some peers.
  • Limited resources and opportunities due to its small size and rural location.

Academic Profile

SAT Average: 1155. Retention Rate: 83.0%.

Saint Francis University's academic environment is characterized by a strong emphasis on personalized attention and a commitment to its Franciscan heritage, which translates into a liberal arts core and a focus on ethical development alongside professional training. While the university offers a broad range of programs, notable strengths lie in its health sciences, including Physician Assistant (PA) studies, Physical Therapy, and Nursing, which consistently attract strong applicant pools and boast impressive placement rates. The School of Business, with programs like Accounting and Management, also benefits from faculty with real-world experience. Research opportunities are available, particularly for undergraduates, often integrated into coursework or through faculty-mentored projects, allowing students to gain hands-on experience. The student-faculty ratio, while not explicitly provided, is likely favorable given the university's size, suggesting ample opportunity for direct interaction with professors. Faculty quality is a key component, and while specific salary data isn't available, the university's commitment to attracting and retaining qualified educators is evident in its program offerings and student outcomes. The Honors Program provides a challenging academic path for high-achieving students, offering enriched coursework and opportunities for independent study. Study abroad programs, though perhaps not as extensive as at larger institutions, are available and encouraged to broaden students' perspectives. Academic support is robust, with services like the Academic Success Center offering tutoring, writing assistance, and academic advising to ensure students have the resources they need to thrive.

Financial Aid Guide for Saint Francis University

Pell Grant recipients: 17.7%. Students taking federal loans: 37.1%.

Navigating financial aid at Saint Francis University involves understanding both merit-based and need-based aid, with a strong emphasis on merit scholarships to attract students. Given the sticker price of $44,000 for both in-state and out-of-state tuition, most students will rely on some form of financial assistance. Merit scholarships are often awarded automatically based on academic achievement (GPA and potentially standardized test scores, though these are not currently a primary focus for admission). These can range significantly, potentially covering a substantial portion of tuition for high-achieving students. Need-based aid, determined by the FAFSA, is also crucial. Families with an Expected Family Contribution (EFC) below a certain threshold will likely qualify for federal grants like the Pell Grant (though the Pell Grant rate is not provided, it's a standard federal offering). State grants, if applicable to Pennsylvania residents, will also be factored in. Saint Francis also offers institutional grants and scholarships, which are often a blend of academic merit and demonstrated financial need. Work-study opportunities are available, providing students with part-time jobs on campus to help cover living expenses. Typical aid packages can vary widely; for instance, a student with strong academic credentials and moderate financial need might receive a combination of merit scholarships and institutional grants totaling $20,000-$30,000 or more. For families with higher incomes but still demonstrating need, aid might be more heavily weighted towards loans and work-study. Negotiating aid at Saint Francis is possible, particularly if you have a competing offer from a similarly ranked institution, but it's generally more effective for students with strong academic profiles or unique circumstances. It's always advisable to contact the Financial Aid Office directly to discuss your specific situation and explore all available options.

Hidden Costs at Saint Francis University

  • Room and board costs can add an estimated $12,000 - $15,000 per academic year, depending on the chosen meal plan and housing assignment.
  • Textbooks and course materials can easily cost $1,000 - $1,500 annually, with some specialized programs requiring more expensive resources.
  • Student activity fees, technology fees, and other miscellaneous campus fees can total around $500 - $1,000 per year.
  • Transportation costs, especially for students commuting home or traveling for internships, can range from $500 to $2,000+ annually depending on distance and frequency.
  • Personal expenses, including toiletries, laundry, entertainment, and snacks, can add $1,500 - $3,000 per year.
  • Parking permits for students living off-campus or commuting can cost $100 - $300 annually.
  • Health insurance, if not covered by a parent's plan, can add $2,000 - $4,000 per year.

Alumni Outcomes & Career Paths

Saint Francis University, located in Loretto, PA, prepares graduates for a range of career paths, though specific employer and industry data is not as robust as at larger institutions. While major national recruiters may not have a consistent presence, regional employers in healthcare, education, and business are more likely to engage with SFU graduates. The university's strong emphasis on health sciences means that graduates in nursing, physician assistant studies, and health sciences often find opportunities with healthcare systems like UPMC Altoona, Conemaugh Health System, and various smaller hospitals and clinics throughout Pennsylvania. Business and accounting graduates may find roles in regional accounting firms such as Sisterson & Co. LLP or in local businesses. Education graduates are typically placed in school districts across Cambria, Blair, and surrounding counties. Graduate school placement is a notable strength, particularly for students in pre-med and other health science tracks, with alumni attending various medical, dental, and graduate programs. Career services at Saint Francis University focus on personalized guidance, resume building, and interview preparation, aiming to connect students with internship opportunities. While a formal, extensive internship pipeline with major corporations isn't a hallmark, students are encouraged to seek out local and regional internships. Geographic hiring patterns show a strong tendency for graduates to remain within Pennsylvania, particularly in the central and western regions, though some may venture to larger metropolitan areas like Pittsburgh or Philadelphia for broader opportunities. Notable alumni are found across various fields, including business, healthcare, and public service, contributing to the university's network within the state.

Campus Life & Culture at Saint Francis University

Saint Francis University attracts a student body primarily from Pennsylvania and surrounding Northeastern states, fostering a regional community with a growing national presence. Students who thrive here often appreciate a smaller, more intimate learning environment, value a strong sense of community, and are drawn to the university's Franciscan mission and commitment to service.

Saint Francis University, nestled in the scenic hills of Loretto, Pennsylvania, offers a close-knit campus community with a strong Franciscan tradition that permeates daily life. The 'vibe' here is often described as friendly, supportive, and academically focused, with a palpable sense of community fostered by its relatively small size of around 1,500 students. Residential life is a cornerstone, with most freshmen and sophomores expected to live on campus. Housing options range from traditional dormitories like Schwab Hall, known for its freshman community, to apartment-style living for upperclassmen, providing a progression as students mature. The university's commitment to its Franciscan values is evident in its service-oriented clubs and organizations, such as the Campus Ministry and various volunteer groups that engage with the local community. Social life isn't dominated by a massive Greek system; instead, it's built around campus events, intramural sports, and student club activities. Athletics play a significant role, with the Red Flash competing in the NCAA Division I Northeast Conference, fostering school spirit at games and events. Dining services are managed by Sodexo, offering various meal plan options in the Aquinas Dining Hall and grab-and-go spots, catering to different dietary needs and preferences. The campus itself, with its iconic Immaculate Conception Chapel and the serene atmosphere of the surrounding landscape, encourages a reflective and engaged student experience. Expect a community where students know each other, faculty are accessible, and a sense of belonging is a primary focus.

Campus Highlights

  • The Franciscan tradition, emphasizing service, community, and spiritual development, is deeply integrated into the university's ethos.
  • The stunning natural beauty of the Loretto, PA campus provides a serene and inspiring environment for learning.
  • Strong and reputable programs in Health Sciences, particularly Physician Assistant (PA) and Physical Therapy, are a major draw.
  • The intimate campus size fosters a close-knit community where students and faculty often form strong bonds.
  • NCAA Division I athletics, the Red Flash, provide opportunities for both student-athletes and spirited fan engagement.
  • The Immaculate Conception Chapel serves as a beautiful and central spiritual and architectural landmark on campus.
  • A commitment to undergraduate research allows students to engage in meaningful scholarly work alongside faculty.

Location & Regional Advantages

Saint Francis University's location in Loretto, Pennsylvania, offers a unique set of advantages and challenges for its students. Situated in a more rural setting within Cambria County, the immediate local job market is modest, primarily consisting of small businesses, educational institutions, and healthcare providers. However, this location provides a lower cost of living compared to major metropolitan areas, making the overall financial burden of attending and graduating potentially more manageable. The university's proximity to larger regional centers like Altoona (approximately 20 miles) and Johnstown (approximately 30 miles) offers access to more diverse employment and internship opportunities, particularly in healthcare (UPMC Altoona, Conemaugh Health System) and some manufacturing. While not directly adjacent to major industry hubs, the university is within a few hours' drive of Pittsburgh, a growing hub for technology, healthcare, and advanced manufacturing, and Philadelphia, a major center for finance, healthcare, and pharmaceuticals. This requires graduates seeking opportunities in these larger cities to actively network and potentially relocate. The quality of life in Loretto and the surrounding Laurel Highlands region is characterized by a slower pace, access to outdoor recreation (hiking, skiing), and a strong sense of community. Safety is generally high in this rural environment. The geographic isolation means that students and alumni must be proactive in seeking out internships and job opportunities beyond the immediate vicinity, leveraging career services and personal networks to connect with employers in more distant, dynamic markets.

How to Get Into Saint Francis University

Saint Francis University's admission rate of 76.8% suggests a moderately selective admissions process, meaning that while they are looking for qualified students, there is room for a range of academic profiles. The university does not appear to offer Early Decision (ED) or Early Action (EA) options, indicating a standard application timeline is the norm. The admissions committee likely values a holistic review, considering not just GPA but also the rigor of coursework, extracurricular involvement, and personal essays. While specific GPA ranges aren't published, aiming for a GPA of 3.0 or higher, with a strong upward trend, would be advisable. Since SAT/ACT scores are not provided as averages, it's reasonable to assume they are either optional or not heavily weighted, placing more emphasis on other application components. Your essay is a critical opportunity to showcase your personality, values, and why Saint Francis is the right fit for you. Consider reflecting on the university's Franciscan mission, your personal growth experiences, or how you plan to contribute to the campus community. Demonstrated interest is often a factor; engaging with the university through campus visits (virtual or in-person), attending information sessions, and connecting with admissions counselors can positively impact your application. The typical application deadline is likely in the spring (e.g., March or April), with rolling admissions potentially extending beyond that. Focus on submitting a complete application well before the priority deadline to ensure full consideration for both admission and scholarships.

How Saint Francis University Compares to Similar Schools

Similar schools: Seton Hill University, Carlow University, King's College (PA), Gannon University

Advantages

  • Strong emphasis and outcomes in specific health science programs (e.g., Physician Assistant, Nursing)
  • Smaller class sizes and more personalized attention due to lower student-faculty ratio
  • Strong sense of community and alumni network within Pennsylvania

Disadvantages

  • Lower overall national brand recognition compared to larger universities
  • Limited geographic reach for post-graduation employment outside of Pennsylvania
  • Fewer resources and program diversity compared to larger institutions

Best For

  • Prospective students interested in large-scale research opportunities may find the university's small size limiting.
  • Students seeking a diverse campus environment may prefer larger institutions with more cultural and ethnic diversity.

Avoid If

  • Students looking for a more urban or suburban location may want to consider other options.
  • Those seeking a lower tuition cost may find more affordable alternatives.

Frequently Asked Questions about Saint Francis University

How much does it cost to attend Saint Francis University?

In-state tuition at Saint Francis University is $44,000 per year, and out-of-state tuition is $44,000 per year. The median student debt at graduation is $27,000.

What is the acceptance rate at Saint Francis University?

Saint Francis University has an acceptance rate of 76.8%.

What is the graduation rate at Saint Francis University?

Saint Francis University has a graduation rate of 73.5%.

How much do Saint Francis University graduates earn?

The median earnings for Saint Francis University graduates 10 years after enrollment is $62,101. With median debt of $27,000, graduates earn roughly 2.3x their debt level annually.

How big is Saint Francis University?

Saint Francis University has approximately 1,557 students and is classified as a small institution. It is located in Loretto, PA and is a Private Nonprofit institution.

Is Saint Francis University worth the cost?

Saint Francis University has an ROI score of -65 out of 100. With in-state tuition of $44,000 per year and median post-graduation earnings of $62,101, the data suggests the return on investment may be below average.

Where is Saint Francis University located?

Saint Francis University is located in Loretto, PA. It is a Private Nonprofit institution with approximately 1,557 students.

How much student debt do Saint Francis University graduates have?

The median student debt for Saint Francis University graduates is $27,000. With median earnings of $62,101 ten years after enrollment, graduates can expect a debt-to-income ratio of 43%.

Is Saint Francis University a good college?

Saint Francis University has a graduation rate of 73.5% and median post-graduation earnings of $62,101. 77.26% of students are white, indicating a predominantly white student body.

How does Saint Francis University compare to similar colleges?

The university has a low median debt of $27,000, which is lower than the national average. Compared to peer institutions, Saint Francis University offers a slightly higher median earnings but at a higher tuition cost.

What career prospects do Saint Francis University graduates have?

Graduates of Saint Francis University are well-positioned for careers in education, healthcare, and non-profit sectors.

What should prospective students know about Saint Francis University?

Saint Francis University is well-placed in the regional market, offering a balance of affordability and quality education.

What makes Saint Francis University stand out?

The university is located in a rural area, which may affect access to certain resources and opportunities.

What are the pros and cons of attending Saint Francis University?

The university's size category is small, which could mean more personalized attention but also limited resources.

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Analysis based on U.S. Department of Education data. Not enrollment advice. Verify information with the institution directly.