by our College Data Analytics TeamA lot of students will not be asked to pay the full, advertised sticker price of a school. Instead, they will be given a financial aid offer that will include a combination of scholarships, grants, loans, and work-study. The total cost of going to Pacific University can seem overpowering, but remember that the majority of students are given some form of financial assistance.
What financing options does Pacific offer, and what will you qualify for? Keep scrolling for more information. Keep scrolling to find out just how much financial aid will be open to you.
Your financial aid package, which may contain grants and scholarships, will be determined on your financial need. The information provided on this page can help you determine how much aid you may receive from Pacific University.
Financial assistance, available as scholarships, loans, and work-study, is a way schools lower the price of attendance so many students can enroll. Keep in mind that certain forms of assistance are more beneficial than others, and aid amounts differ from student to student.
At Pacific University, 99% of entering full-time freshmen got some type of financial assistance around 397 students).
| Type of Aid | % of Freshmen Receiving | Average Amount |
|---|---|---|
| Grant or scholarship aid (all sources) | 98% | $37,139 |
| Institutional grants & scholarships | 97% | $34,413 |
| Federal Pell grants | 31% | $5,506 |
| State/local grants | 16% | $6,500 |
| Federal student loans | 92% | $5,397 |
The best aid is gift aid: grants and scholarships that carry no repayment obligation. At Pacific, roughly 91% of the undergraduate population received grant aid that averaged $34,437 (among about 1472 awardees).
| Award | % of Undergrads Receiving | Average Amount |
|---|---|---|
| Grant or scholarship aid (all sources) | 91% | $34,437 |
| Federal Pell grants | 28% | $5,436 |
| Federal student loans | 81% | $6,788 |
For students living on campus and receiving title-IV aid, grants averaged $37,101.
How much a family pays depends heavily on income, because most aid is awarded on the basis of financial need.
| Family Income | Average Net Price |
|---|---|
| $0 – $48,000 | $24,024 |
| $30,001 – $75,000 | $27,382 |
| Over $75,000 | $39,413 |
Each amount is the average cost remaining once grant aid is subtracted, by income band.
After grants and scholarships come off the published price, what remains is the net price — the best estimate of true out-of-pocket cost.
| Cohort | Average Net Price |
|---|---|
| On-campus title-IV students | $35,273 |
| Off-campus title-IV students | $35,350 |
To get a personalized net price estimate, try Pacific’s NPC: www.pacificu.edu/financial-aid-scholarships/net-price-calculator.
The median student at Pacific graduates with $17,036 of cumulative federal debt.
| Metric | Amount |
|---|---|
| Median federal debt (all student-aid borrowers) | $17,036 |
| Median federal debt (graduates only) | $23,223 |
| Typical 10-year monthly payment (graduates) | $246.2/mo |
At a typical 10-year repayment schedule, the median graduate would pay about the monthly figure above.
Percentiles reveal the spread — half of all borrowers fall between the 25th and 75th percentiles. The figures below chart the debt distribution at Pacific.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $5,415 |
| 25th percentile | $9,025 |
| 75th percentile | $27,000 |
| 90th percentile (highest-debt students) | $34,500 |
Debt outcomes are not uniform — they shift with income, first-generation status, and dependency.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $14,034 |
| Middle income | $17,750 |
| High income | $17,762 |
First-Gen vs Continuing-Gen Median Debt
| Cohort | Median federal debt |
|---|---|
| First-generation students | $16,750 |
| Continuing-generation students | $17,566 |
Dependent vs Independent Students
| Cohort | Median federal debt |
|---|---|
| Dependent students | $19,000 |
| Independent students | $12,500 |
A handful of calculated indicators summarize the debt outlook at Pacific.
Most undergraduate borrowing runs through the federal Stafford loan program. The aggregate figures below show how active the program is at Pacific:
| Metric | Value |
|---|---|
| Stafford loan recipients | 14517 |
| Total Stafford loan amount | $679,400,162 |
The GI Bill and DoD Tuition Assistance are the main federal aid routes for veterans and service members.
Post-9/11 GI Bill recipients
| Metric | Value |
|---|---|
| GI Bill recipients | 86 |
| Total GI Bill amount | $3,010,305 |
| Average GI Bill amount per recipient | $35,004 |
References
More about our data sources and methodologies.