St. Thomas University vs Universal Technical Institute-South Florida Miramar: which has better ROI?
Universal Technical Institute-South Florida Miramar has the better ROI: it clears its 2-year net cost of $57,518 in 12.7 years versus 17.8 years at St. Thomas University, on median earnings of $52,873 vs $54,272 ten years out. (Scorecard, 2026 · our math.)
| Measure | St. Thomas University | Universal Technical Institute-South Florida Miramar |
|---|---|---|
| Net price / yr | $26,312 | $28,759 |
| Total net cost | $105,248 | $57,518 |
| Median earnings, 10 yrs | $54,272 | $52,873 |
| Median debt | $19,125 | $13,124 |
| Payback | 17.8 yrs | 12.7 yrs |
| 20-year net return | $12,992 | $32,742 |
College Scorecard (2026), institution-level · payback and returns are our math. Figures blend all majors.
Which is cheaper, St. Thomas University or Universal Technical Institute-South Florida Miramar?
St. Thomas University, at $26,312 a year after aid versus $28,759 — a gap of $2,447 a year, or $47,730 across the full degree. These are net prices after grants and scholarships, not sticker prices, so they reflect what an aided student pays.
Do St. Thomas University or Universal Technical Institute-South Florida Miramar graduates earn more?
St. Thomas University graduates report a median $54,272 ten years after entry, $1,399 more than the $52,873 at Universal Technical Institute-South Florida Miramar. Both are institution-wide medians from federal tax records, so a high-paying major at the lower school can beat the average at the higher one.
Which leaves students with less debt, St. Thomas University or Universal Technical Institute-South Florida Miramar?
Universal Technical Institute-South Florida Miramar: its completers carry a median $13,124 in federal loans versus $19,125 at St. Thomas University, a difference of $6,001. The figure counts students who finished; it excludes private loans and anyone who left before graduating.
Which graduates more of its students?
70% of students finish at Universal Technical Institute-South Florida Miramar, against 48% at St. Thomas University. Completion matters to the ROI arithmetic because a degree that is never finished still carries its cost and its debt, but earns none of the graduate premium above the $48,360 high-school baseline.