I believe Miami is preppier.
St. Joe's school spirit is basketball related.
I don't believe that St J is a commuter school.
The poster likely got some merit aid at St. Joe's and minimal at Miami though this may not be the case.
The best bet is for you to visit. Philly is a diverse area and it is my understanding that St. Joe's is in a good area and has easily assessable off campus student housing unlike other parts of Philly.
If you have specific St. Joe's questions, PM me with them and your email address and I can have my friend email you with the answers. I know both their daughter and the parents have been thrilled with the St. Joe's experience so far.