Head-to-Head Comparison
Colgate University vs University of San Francisco
- Colgate Wins
- 18
- Tied
- 16
- San Francisco Wins
- 20
Direct Answer
For overall financial value, Colgate University offers a significantly safer investment tier. With an annual cost of $28,786 vs University of San Francisco's $41,431, Colgate University delivers strong outcomes at a fraction of the price. For students prioritizing lower student debt over initial institution prestige, Colgate University's lower price point delivers a highly efficient debt-to-earnings path.
54 data points compared · Sources: College Scorecard, Opportunity Insights, Times Higher Education, IPEDS
When to Pick Each School
Colgate
- Lower cost: Average net price of $28,786, roughly $12,645 a year less
- Higher grad rate: 91% of students finish, the higher completion rate of the pair
- Less debt: Median debt of $15,000, the lower of the two
- More selective: Admits 14% of applicants, which makes for a more competitive peer group
San Francisco
- Higher earnings: Median earnings of $89,812 ten years after enrollment, 5% more than Colgate University
- Social mobility: Chetty mobility rate of 2.7%, the stronger record of moving students up the income ladder
The Actual Decision
What are you really choosing between?
Colgate graduates concentrate in Social Sciences (34% of degrees); San Francisco in Business & Marketing (18%). If you already know the field you want, the choice is mostly made for you.
Based on each school's share of degrees by field (College Scorecard). It shows where graduates actually concentrate, not the only path a school offers.
Which School Fits You?
Pick University of San Francisco over Colgate University. Median earnings of $89,812 ten years after enrollment vs $85,139.
Pick Colgate University over University of San Francisco. Net price $28,786 vs $41,431.
Pick University of San Francisco over Colgate University. 2.7% mobility rate vs 0.9%.
Pick Colgate University over University of San Francisco. 91% completion rate vs 71%.
Key Metrics at a Glance
Graduation Rate
Earnings (10yr)
Avg Net Price
Median Debt
The Analysis
Verdict
Colgate University and University of San Francisco are close on paper, but Colgate University wins the head-to-head, leading on 4 of the core measures (selectivity, cost, earnings, completion, mobility, and debt). The right pick still depends on how you weight them.
Getting in
Colgate University is the harder admit. It takes 14% of applicants, while University of San Francisco takes 62%. Its entering class also posts the higher average SAT, 1,508 to 1,295.
So what: If test scores and a high-scoring peer group matter to you, Colgate University sets the higher bar. The less selective school is easier to get into, which can work in your favor rather than against it.
What it costs
On price, Colgate University comes out ahead. Its average net price after aid is $28,786, about $12,645 a year below University of San Francisco's $41,431. Graduates of Colgate University also borrow less: median debt of $15,000, against $23,000.
So what: Over four years, the gap adds up to about $50,580 before any change in aid. Choosing Colgate University leaves that money available for graduate school, savings, or simply less borrowing.
What graduates earn
Ten years after enrollment, University of San Francisco graduates report median earnings of $89,812, compared with $85,139 at Colgate University. That is a 5% advantage. Set against borrowing, Colgate University has the lower debt-to-earnings ratio, 0.18x to 0.26x.
So what: An earnings gap of 5% this early in a career tends to widen, since raises build on the higher base. Of the measures on this page, this one carries the most financial weight.
Finishing the degree
Colgate University graduates a larger share of its students, 91% versus 71%. More of its students stay on track to a degree.
So what: A completion gap of 20% is a risk measure. Students at the school with the lower rate face higher odds of leaving with debt and no degree, the most expensive outcome in higher education.
Moving people up
University of San Francisco does more to move students up the income ladder. Its Chetty mobility rate is 2.7%; at Colgate University, it is 0.9%. University of San Francisco also enrolls the larger share of low-income students: 5.9% come from the bottom income quintile, versus 2.4%.
So what: For first-generation and low-income students, University of San Francisco offers the stronger statistical shot at reaching the top of the income distribution. The gap is wide enough to weigh in any access-minded decision.
Recommendation
Bottom line: pick Colgate University to keep costs and debt down; pick University of San Francisco for the higher earnings ceiling.
Data certainty: High. Both schools report 6 of 6 core signals used here, so every comparison above matches reported data against reported data.
Counterintuitive Insights
The cheaper school is not the lower-earning one here. Colgate University saves about $12,645 a year, yet University of San Francisco graduates earn $4,673 more ten years after enrollment. The cost advantage and the earnings premium sit at different schools, so your time horizon decides which counts more.
Colgate University is harder to get into, with a 14% admit rate, but University of San Francisco posts the higher mobility rate, at 2.7%. Selectivity and income mobility measure different things; here, the easier admit does more for the low-income students it enrolls.
Their academic identities diverge. Colgate University concentrates enrollment in Social Sciences, Biology & Biomedical, Computer Science & IT, while University of San Francisco leans toward Business & Marketing, Health Professions, Psychology. That split shapes which recruiters come to campus and what your classmates study.
Who Should Look Elsewhere
- Business and consulting-track students: Colgate University has less business program depth, and University of San Francisco offers the stronger options.
- Cost-conscious students: net price of $41,431 runs well above Colgate University's $28,786.
- Students minimizing debt: median debt is $23,000, against $15,000 at Colgate University.
- Students who want a smaller campus: University of San Francisco's enrollment of 5,287 far exceeds Colgate University's 3,180.
Full Data Breakdown
Inside the admissions office
Colgate holds onto its admits more tightly: 29% of admitted students enroll, versus 6% at San Francisco — a sign of how often it wins head-to-head choices. Both reward applying early, but the binding round pays off more at San Francisco (49.4% Early Decision admit rate vs 19.5%). Early Decision is binding, so it only makes sense if the school is a clear first choice.
Source: each school's published Common Data Set, via collegedata.fyi.
Overview 5 metrics
Admissions 4 metrics
Admissions Strategy (Common Data Set) 6 metrics
Cost & Financial Aid 9 metrics
Academics 5 metrics
Student Body 6 metrics
Outcomes 6 metrics
Social Mobility (Chetty) 4 metrics
Social Capital 3 metrics
Research (Times HE) 4 metrics
Online Education (IPEDS) 2 metrics
The Overviews
Colgate University
Hamilton, NY · Private nonprofit
With an acceptance rate of just 14%, Colgate University attracts students who are serious about their education and ready to engage deeply with their studies. This school is a great fit for those interested in fields like Social Sciences, Biology, Psychology, Computer Science, and Physical Sciences. The tight-knit community and emphasis on critical thinking make it a place where students can really thrive.
After graduation, Colgate alums see an impressive median earnings of $85,139 after ten years. This strong financial outcome reflects not just the quality of education, but also the commitment of students to leverage their degrees in meaningful ways. While the Pell Grant rate sits at 13%, the majority of students manage to find success in their careers, illustrating that hard work and dedication pay off.
On the practical side, the net price after aid stands at $28,786, which is manageable compared to the potential earnings. The median debt of $15,000 is relatively low, suggesting that most students graduate with a solid financial footing. Those who tend to thrive here are motivated individuals seeking a challenging academic environment and who value the connections made during their time at Colgate.
University of San Francisco
San Francisco, CA · Private nonprofit
Students at the University of San Francisco can expect to earn an average of $89,812 within ten years of graduation. This strong earning potential reflects the university's focus on practical skills and career readiness. With an acceptance rate of 62%, the university maintains a balance of accessibility and selectivity.
The Chetty/Opportunity Insights data is not available for this institution, but the outcomes for graduates suggest a solid return on investment. The graduation rate stands at 71%, indicating that a significant majority of students complete their degrees. This completion rate, combined with the potential earnings, points to a pathway for upward mobility.
Tuition at the University of San Francisco has a net price of $41,431, which is a notable consideration for prospective students. Graduates carry a median debt of $23,000, which is relatively manageable compared to national averages. Students who thrive here often pursue programs in Business, Health Professions, and Social Sciences, aligning their education with market demand and job opportunities.
Rankings They Appear On
Colgate University is featured on the Best Biology Colleges in New York ranking.
Top Degree Programs
Colgate's top program is Sociology (34% of enrollment), while San Francisco leads with Business Administration (18%).
Career Pathways
Program strengths at these schools feed into careers like Software Developer, Data Scientist, Cybersecurity Analyst (for Colgate) and Registered Nurse, Nurse Practitioner, Physician Assistant (for San Francisco).
The two schools feed different job markets. Colgate University is strongest in Biology & Biomedical, Computer Science & IT, while University of San Francisco concentrates in Business & Marketing, Health Professions. Those concentrations determine which recruiters show up on campus and where alumni cluster by industry. Match the school's program strengths to the field you plan to enter.
Frequently Asked Questions
Is it harder to get into Colgate University or University of San Francisco?
Colgate University is harder to get into, admitting 14% of applicants compared with 62% at University of San Francisco.
Which is more affordable, Colgate University or University of San Francisco?
Colgate University is more affordable, with an average net price of $28,786 after aid versus $41,431 at University of San Francisco.
Do Colgate University or University of San Francisco graduates earn more?
University of San Francisco graduates earn more: median earnings of $89,812 ten years after enrollment, versus $85,139 at Colgate University.
Which has a better graduation rate, Colgate University or University of San Francisco?
Colgate University has the higher graduation rate, 91% versus 71%.
Colgate University vs University of San Francisco: which is better for social mobility?
University of San Francisco is the stronger driver of upward mobility, with a Chetty mobility rate of 2.7% versus 0.9%.
Should you choose Colgate University or University of San Francisco?
It depends on what you weigh most. Choose Colgate University if affordability and lower debt come first; choose University of San Francisco if you're optimizing for post-grad earnings. The two schools win on different measures, so the better fit is the one whose strengths match your priorities.
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