St. Thomas University
Miami Gardens, FL 33054-6459 — Private Nonprofit
Value Score: 65/100 | ROI Score: -61 | Affordability Score: 55/100
Tuition (In-State): $34,770 | Out-of-State: $34,770
Acceptance Rate: 97.9% | Graduation Rate: 45.6% | Retention Rate: 56.6%
Median Earnings (10yr): $54,272 | Median Debt: $19,125
ACT Midpoint: 19
Student Body Size: 2,214 (medium)
Pell Grant Recipients: 27.0% | Federal Loan Rate: 30.9%
Average Faculty Salary: $8,625/month
Tuition & Affordability Analysis
In-state tuition at St. Thomas University is $34,770 per year, which is 12% below the national average for private institutions.
Out-of-state students pay $34,770/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: $139,080 (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 St. Thomas University:
- Families earning $0–$30,000: $24,657/year
- Families earning $30,001–$48,000: $26,101/year
- Families earning $48,001–$75,000: $27,122/year
- Families earning $75,001–$110,000: $29,081/year
- Families earning $110,000+: $30,098/year
Low-income families receive an average discount of $10,113/year, paying just 71% of the sticker price.
Admissions Snapshot
St. Thomas University has an acceptance rate of 97.9%, placing it in the Open Admission (85%+) category. This means roughly 565 students apply each year.
St. Thomas University accepts the majority of applicants, making it an accessible option for students across a range of academic backgrounds.
The ACT midpoint is 19, 10% below the national average.
Graduate Outcomes & Return on Investment
45.6% of students at St. Thomas University complete their degree, 26% below the national average. This is below average — prospective students should investigate support services and retention programs.
First-year retention rate: 56.6% (30% below the national average). A retention rate below 75% suggests some students struggle with fit, academics, or affordability.
Graduates of St. Thomas University earn a median salary of $54,272 ten years after enrollment, 33% above the national average. This represents a $19,272/year earnings premium over the average high school diploma holder, or $578,160 in additional lifetime earnings over a 30-year career.
The median student debt at graduation is $19,125, 11% below the national average. On a standard 10-year repayment plan at 5.5% interest, this translates to approximately $208/month, with a total repayment of $24,960 (including $5,835 in interest).
Debt-to-Earnings Ratio: 0.35x. 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 St. Thomas University pays for itself in approximately 8 years. This is a reasonable investment timeline.
Financial Aid Profile
27.0% of students at St. Thomas University receive Pell Grants (federal need-based aid for families earning under ~$60,000), 18% 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.
30.9% of students take federal loans, 34% below the national average. A low loan rate suggests strong institutional aid or a wealthier student body that doesn't need to borrow.
Average faculty salary: $8,625/month, near the national average. Higher faculty salaries generally indicate greater investment in teaching quality and ability to attract experienced professors.
Student Body & Campus Diversity
St. Thomas University enrolls 2,214 undergraduate students. This mid-sized institution offers a balance between personalized attention and diverse academic offerings.
Diversity Index: 75/100 (higher = more diverse). St. Thomas University has a highly diverse student body with strong representation across multiple racial and ethnic groups.
Student body composition: White 10%, Hispanic 34%, Black 35%, Asian 0%.
St. Thomas University: Selective Private Institution with High Earnings Potential
- St. Thomas University: A Launchpad for South Florida Careers or a Financial Stumble?
- Beyond the Sunshine: Analyzing the Real Career Outcomes of St. Thomas University Graduates
- Miami Gardens Education: Is St. Thomas University's Value Proposition Worth the Investment?
Report Card: Overall Grade D+
St. Thomas University receives an overall grade of D+ based on six dimensions:
- Academics: D
- Value: F
- Outcomes: C+
- Affordability: B
College Analysis
St. Thomas University is a Private Nonprofit institution in Miami Gardens, FL with approximately 2,214 students. Academics: St. Thomas University has a high admission rate, indicating strong selectivity and a robust academic environment. Value: The university offers a moderate tuition rate, but graduates face a relatively high median debt, suggesting a need for careful financial planning. Outcomes: Graduates have a median earnings of $54,272 after 10 years, which is above the national average, but the low graduation rate is a concern.
The Verdict: Is St. Thomas University Worth It?
St. Thomas University presents a challenging value proposition. With a median 10-year earning potential of $54,272 against an in-state tuition of $34,770, the immediate return on investment appears modest. The median debt of $19,125 is relatively low, which is a positive factor. However, the stark ROI score of -61 indicates that, on average, graduates are not recouping their investment within a typical timeframe, and their earnings are significantly lower than the cost of attendance over a decade. To put it in perspective, it would take approximately 4-5 years of saving *all* earnings above the median debt to pay off the debt, assuming no living expenses. When comparing the median 10-year earnings to the total cost of attendance (which would be significantly higher than just tuition due to living expenses and fees), the financial picture becomes less favorable. While STU offers a private education and a location in a vibrant economic region, the data suggests it is not a financially sound investment for the average student based on median outcomes. It is likely overpriced for the average graduate's earning potential, making it a less attractive option compared to schools with stronger post-graduation financial returns. A student would need to be in a high-earning major or secure exceptional post-graduate employment to justify the cost.
Return on Investment
While the earnings potential is strong, the high median debt and low graduation rate suggest that the degree may not be worth the cost for all students.
Debt Reality Check
Median student debt at St. Thomas University: $19,125. Monthly payment on a standard 10-year plan: $217/month. Total repaid: $26,040 ($6,915 in interest).
Breakeven vs high school diploma: 0.8 years. Debt burden: Low. Salary needed for comfortable repayment: $26,040.
Strengths
- Selective admissions process
- Strong earning potential
- Moderate tuition rates
Weaknesses
- High median debt for graduates
- Low graduation rate
- Moderate affordability score
Academic Profile
ACT Midpoint: 19. Retention Rate: 56.6%.
St. Thomas University, a private Catholic institution, offers a focused academic environment with a strong emphasis on liberal arts and professional programs. While the university serves a broad range of disciplines, particular strengths can be found in its School of Business, School of Law, and programs within the School of Science and Health. For instance, the undergraduate Business programs are often highlighted, preparing students for careers in a dynamic global market, while the School of Law is a well-established program within the South Florida legal community. Research opportunities, while perhaps not as extensive as at large R1 universities, are available, particularly for motivated students seeking to engage with faculty on specific projects. The student-faculty ratio, though not explicitly provided, is likely to be favorable given the university's size, allowing for more personalized attention from instructors. Faculty quality is a cornerstone of the STU experience, with professors often bringing real-world experience into the classroom, especially in professional fields. The university also offers an Honors Program for academically gifted students, providing enriched coursework and opportunities for deeper engagement. Study abroad programs are available, allowing students to broaden their horizons and gain international perspectives. Academic support resources, including tutoring services, writing centers, and academic advising, are readily accessible to help students succeed.
Financial Aid Guide for St. Thomas University
Pell Grant recipients: 27.0%. Students taking federal loans: 30.9%.
Navigating financial aid at St. Thomas University involves understanding both merit-based and need-based opportunities. Given its private status, tuition of $34,770 is a significant investment, and STU aims to make it accessible through various aid programs. Merit scholarships are often awarded based on academic achievement, such as GPA and standardized test scores (though these are not explicitly listed as required for admission, strong scores can bolster scholarship applications). These can range from a few thousand dollars to a substantial portion of tuition. Need-based aid, determined by the FAFSA, is crucial for many students. This includes federal grants like the Pell Grant (though the rate is not provided, it's a key component for eligible students), state grants, and institutional aid. Work-study opportunities are also available, allowing students to earn money through part-time campus jobs. Typical aid packages can vary widely based on individual circumstances, but students with strong academic profiles and demonstrated financial need often receive a combination of grants, scholarships, and loans. For those seeking additional scholarships, exploring external opportunities and departmental scholarships within STU is highly recommended. Negotiating aid at STU is generally less common than at highly selective institutions, but presenting a compelling case with updated financial information or competing offers from similar institutions might yield some consideration, though it's not guaranteed. It's essential to complete the FAFSA by the priority deadline to maximize eligibility for all aid types.
Hidden Costs at St. Thomas University
- On-campus housing can range from approximately $8,000 to $12,000 per academic year, depending on the room type and occupancy.
- Meal plans typically cost between $4,000 and $5,500 annually, with various options to suit student needs.
- Textbooks and course materials can add an estimated $1,000 to $1,500 per year.
- Mandatory university fees, including technology and student activity fees, can total around $1,000 to $1,500 per academic year.
- Transportation costs, especially for students commuting or traveling home, can vary significantly but budget at least $500-$1,000 annually.
- Parking permits for students who bring cars to campus can cost between $200 and $400 per year.
- Health insurance, if not covered by a parent's plan, can add approximately $2,000 to $3,000 annually.
Alumni Outcomes & Career Paths
St. Thomas University (STU) graduates enter a diverse job market, with alumni finding opportunities across various sectors. While specific major employer lists are not publicly detailed, common recruitment patterns for universities of STU's size and location suggest engagement with regional businesses and organizations. Industries where STU alumni tend to cluster include healthcare, education, business services, and criminal justice, reflecting the university's program strengths. For instance, graduates in health sciences might find roles in South Florida's robust healthcare systems like Baptist Health South Florida or Memorial Healthcare System. Business graduates could be recruited by companies in the financial services sector or hospitality, given Miami's status as a global hub. Education majors often find positions within the Miami-Dade County Public Schools system or other local educational institutions.
Graduate school placement rates are not explicitly published by STU, but students pursuing advanced degrees often leverage their undergraduate studies in fields like psychology, law, or business. Notable alumni include figures like former NFL player and coach T.Y. Hilton, and various community leaders and professionals who have made significant contributions within the South Florida region.
STU's Career Services department aims to support students through resume building, interview preparation, and career fairs. While specific internship pipeline data is not readily available, the university's location in the Miami metropolitan area provides access to a wide array of internship opportunities. Students often secure internships with local businesses, non-profits, and government agencies, which can serve as a direct pathway to post-graduation employment. Geographic hiring patterns show a strong tendency for STU graduates to remain within Florida, particularly in the South Florida tri-county area (Miami-Dade, Broward, and Palm Beach counties), leveraging their local network and understanding of the regional economy.
Campus Life & Culture at St. Thomas University
St. Thomas University serves a diverse student body, with a significant portion of its students identifying as Hispanic/Latino, reflecting its South Florida location. The university attracts students from various geographic backgrounds, though a strong contingent comes from the local and regional areas. Students who thrive at STU are often those who appreciate a close-knit, faith-based community and are seeking a supportive environment to pursue their academic and personal goals.
St. Thomas University (STU) in Miami Gardens offers a vibrant campus experience deeply rooted in its Catholic tradition and its South Florida location. With a student body of just over 2,200, STU fosters a close-knit community where students can easily connect with peers and faculty. The campus itself is a blend of modern facilities and lush, tropical landscaping, creating an inviting atmosphere for learning and socializing. Residential life is a key component, with several on-campus housing options available for freshmen and upperclassmen, providing a convenient and immersive college experience. While specific neighborhood vibes aren't as distinct as in larger universities, the sense of community is palpable, especially during campus events and religious services, which are central to the STU experience. Student organizations are plentiful, covering a wide range of interests from academic clubs and cultural groups to service organizations, reflecting the university's commitment to holistic development. Greek life is present but not dominant, offering another avenue for social engagement and leadership. Athletics are a significant part of campus spirit, with the STU Bobcats competing in the NAIA, drawing enthusiastic crowds to games and supporting a strong sense of school pride. The overall vibe at STU is one of supportive community, academic engagement, and a strong connection to its Catholic values, all set against the backdrop of the energetic Miami metropolitan area.
Campus Highlights
- The university's strong Catholic identity and commitment to service, evident in its campus ministry and community outreach programs.
- Its location in the vibrant Miami metropolitan area, offering students access to cultural, professional, and recreational opportunities.
- The diverse student body, fostering a rich cultural exchange and global perspective.
- The intimate campus size, which promotes a close-knit community and personalized attention from faculty.
- The presence of the St. Thomas University School of Law, a significant professional program within the university.
- The tropical campus setting, with lush greenery and a welcoming South Florida atmosphere.
Location & Regional Advantages
St. Thomas University's location in Miami Gardens, Florida, offers a unique set of advantages and challenges for its students. The immediate local job market is part of the larger, dynamic South Florida economy, which is a significant hub for international trade, finance, healthcare, tourism, and the arts. Proximity to Miami provides access to a vast array of industries and potential employers, from multinational corporations to burgeoning startups. The cost of living in Miami Gardens and the surrounding areas is generally lower than in prime Miami Beach or downtown Miami, but still reflects the high demand of a desirable coastal region.
South Florida is a major gateway to Latin America, offering unique career opportunities for those interested in international business, logistics, and diplomacy. The region boasts a vibrant tourism and hospitality sector, a growing tech scene, and a strong healthcare industry, all of which can absorb graduates from STU's various programs. Quality of life is a significant draw, with a warm climate year-round, diverse cultural experiences, and access to beaches and outdoor activities. However, like many major metropolitan areas, safety can be a concern in certain neighborhoods, and traffic congestion is a daily reality.
Post-graduation, the location provides a strong advantage for students seeking to build a career in the region, as many employers value local connections and understanding of the South Florida market. The presence of major transportation hubs, including Miami International Airport and PortMiami, further enhances the region's economic significance and career potential. For STU graduates, establishing a network within this bustling environment is key to career advancement.
How to Get Into St. Thomas University
St. Thomas University, with its 97.9% admission rate, is an accessible institution, meaning the application strategy should focus on presenting a well-rounded profile that aligns with the university's Catholic mission and community values. While Early Decision (ED) and Early Action (EA) are not explicitly highlighted as having significant advantages due to the high acceptance rate, applying early can still ensure timely consideration and allow students to receive financial aid information sooner. The admissions office likely values students who demonstrate a genuine interest in STU's specific programs and its Catholic identity. A strong GPA is important, and while SAT/ACT scores are not provided, a solid academic record will be a key factor. Essays should focus on personal growth, community involvement, and how the applicant's values align with STU's mission. Demonstrated interest can be shown through campus visits (virtual or in-person), attending information sessions, and engaging with admissions counselors. The timeline should involve submitting the application and all supporting documents well before the stated deadlines to ensure a smooth review process.
How St. Thomas University Compares to Similar Schools
Similar schools: Barry University, Florida Memorial University, Nova Southeastern University, University of Miami
Advantages
- Stronger focus on specific niche programs within its offerings.
- Potentially more personalized attention due to smaller class sizes in certain programs.
- Location within the immediate Miami Gardens area offers a slightly different community feel than larger Miami universities.
Disadvantages
- Significantly lower median earnings compared to most peers.
- Lower graduation rates suggest potential challenges with student retention or academic success.
- Less recognized brand name and alumni network compared to larger, more established institutions in the region.
Best For
- Students seeking a low-debt educational experience may want to consider other options.
- Prospective students should carefully evaluate the high median debt and low graduation rate.
Avoid If
- Students who are not prepared for a high-tuition and high-debt educational experience should avoid St. Thomas University.
- Students who are not committed to completing their degree within a reasonable timeframe may want to explore other institutions.
Frequently Asked Questions about St. Thomas University
How much does it cost to attend St. Thomas University?
In-state tuition at St. Thomas University is $34,770 per year, and out-of-state tuition is $34,770 per year. The median student debt at graduation is $19,125.
What is the acceptance rate at St. Thomas University?
St. Thomas University has an acceptance rate of 97.9%.
What is the graduation rate at St. Thomas University?
St. Thomas University has a graduation rate of 45.6%.
How much do St. Thomas University graduates earn?
The median earnings for St. Thomas University graduates 10 years after enrollment is $54,272. With median debt of $19,125, graduates earn roughly 2.8x their debt level annually.
How big is St. Thomas University?
St. Thomas University has approximately 2,214 students and is classified as a medium institution. It is located in Miami Gardens, FL and is a Private Nonprofit institution.
Is St. Thomas University worth the cost?
St. Thomas University has an ROI score of -61 out of 100. With in-state tuition of $34,770 per year and median post-graduation earnings of $54,272, the data suggests the return on investment may be below average.
Where is St. Thomas University located?
St. Thomas University is located in Miami Gardens, FL. It is a Private Nonprofit institution with approximately 2,214 students.
How much student debt do St. Thomas University graduates have?
The median student debt for St. Thomas University graduates is $19,125. With median earnings of $54,272 ten years after enrollment, graduates can expect a debt-to-income ratio of 35%.
Is St. Thomas University a good college?
St. Thomas University has a graduation rate of 45.6% and median post-graduation earnings of $54,272. High admission rate (97.91%) indicating strong academic programs and selectivity.
How does St. Thomas University compare to similar colleges?
Moderate tuition rates but high median debt for graduates. Compared to peer institutions, St. Thomas University offers a selective admissions process and strong earning potential, but graduates face a high median debt.
What career prospects do St. Thomas University graduates have?
Graduates of St. Thomas University are well-positioned for careers in fields that offer high salaries and require a strong educational foundation.
What should prospective students know about St. Thomas University?
St. Thomas University is well-suited for students who value a selective admissions process and strong earning potential but may need to be cautious about the high debt levels.
What makes St. Thomas University stand out?
Graduation rate of 45.62% is below the national average for private institutions.
What are the pros and cons of attending St. Thomas University?
Median earnings of $54,272 after 10 years, above the national average.
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View on College Scorecard (Dept. of Education)
Analysis based on U.S. Department of Education data. Not enrollment advice. Verify information with the institution directly.