by our College Data Analytics TeamThis guide covers the real cost of attending University of the Pacific, spanning what it costs to attend, projected costs over a degree, net price, debt outcomes, and aid equity.
Use the section links below to navigate this overview:
The full cost of attending University of the Pacific stands at about $68,173.00 per year.
Here the cost is broken out three ways: no aid, average aid, and the aid a low-income student typically receives.
| Tuition and fees | $57,080.00 |
| + Room, board & other expenses | $11,093.00 |
| Total cost | $68,173.00 |
| That is 108% above the national average net price. |
| Total cost | $68,173.00 |
| − Grants and scholarships | −$46,068.00 |
| Net price | $22,105.00 |
| That is 33% below the national average net price. |
| Total cost | $68,173.00 |
| − Grants and scholarships | −$54,511.00 |
| Net price | $13,662.00 |
| That is 58% below the national average net price. | |
| Explore each piece on tuition and fees and room and board. |
Cost of attendance here has been rising at a recent average of 2.9% per year, so the four-year total runs well above today’s cost. The detailed projections below compare a degree for a low-income aided student, an average-aid student, and a no-aid student. Loan figures amortise the projected total over ten years at 6.8%.
| Projected 4-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 2.9% | 2.9% | 2.9% |
| Freshman year | $14,062.00 | $22,751.00 | $70,167.00 |
| Senior year | $15,332.00 | $24,806.00 | $76,504.00 |
| Total 4-year net price | $58,762.00 | $95,076.00 | $293,220.00 |
| 10-year loan interest @ 6.8% | $22,386.00 | $36,221.00 | $111,706.00 |
| Total monthly payment | $676.00 | $1,094.00 | $3,374.00 |
| Total amount paid | $81,148.00 | $131,297.00 | $404,927.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 2.9% | 2.9% | 2.9% |
| Freshman year | $14,062.00 | $22,751.00 | $70,167.00 |
| Senior year | $14,473.00 | $23,417.00 | $72,219.00 |
| Total 2-year net price | $28,534.00 | $46,168.00 | $142,385.00 |
| 10-year loan interest @ 6.8% | $10,871.00 | $17,588.00 | $54,244.00 |
| Total monthly payment | $328.00 | $531.00 | $1,639.00 |
| Total amount paid | $39,405.00 | $63,757.00 | $196,629.00 |
See the full net-price breakdown in the Net Price section.
Net price strips out grant and scholarship aid to show what families really pay. For most families it is a more realistic figure than the published cost.
| Average net price (on-campus) | $25,447.00 |
| Average net price (off-campus) | $25,926.00 |
Net price is far from uniform: lower-income families typically pay much less after aid. Below, average net price is broken out by family income:
| Family income | Average net price |
|---|---|
| Under $30,000 | $17,716.00 |
| $30,000 to $48,000 | $17,411.00 |
| $48,001 to $75,000 | $20,169.00 |
| $75,001 to $110,000 | $26,422.00 |
| Over $110,000 | $38,104.00 |
Estimate your specific net price using the school’s University of the Pacific Net Price Calculator, or visit the financial aid office.
For the grant-and-scholarship detail behind these figures, see the financial aid page.
The typical debt load for borrowers leaving University of the Pacific works out to $17,653.00, categorized as a Low ($10-20k) debt-load classification.
The percentile spread of debt at graduation is shown below:
| Percentile | Debt at graduation |
|---|---|
| 10th | $5,500.00 |
| 25th | $10,219.00 |
| Median (50th) | $17,653.00 |
| 75th | $30,281.00 |
| 90th | $40,500.00 |
The 10th-to-90th-percentile spread is one signal of how variable debt outcomes are across the student body.
Read the complete debt breakdown on the student loan debt page.
Median debt at graduation differs meaningfully across income brackets. Below the data splits borrowers across three income groups:
| Family income | Median debt at graduation |
|---|---|
| Low income | $19,500.00 |
| Middle income | $18,000.00 |
| High income | $15,000.00 |
Low-income borrowers graduate with $4,500.00 more than graduates from high-income families.
Debt at graduation often differs for first-generation students.
| Student group | Median debt at graduation |
|---|---|
| First-generation students | $18,500.00 |
| Continuing-generation students | $15,750.00 |
First-gen borrowers at University of the Pacific hold $2,750.00 in additional median debt versus continuing-generation peers.
The Pell Grant is the main federal need-based award for undergraduates. Comparing Pell recipients vs non-recipients shows how debt is distributed by need.
The gap between Pell-eligible and non-Pell median debt at University of the Pacific comes to $5,250.00. This institution is flagged by federal data for Pell-debt inequity.
The federal default-rate tier for University of the Pacific is Low (<5%).
| Window | Cohort default rate |
|---|---|
| 2-year | 2.7% |
To put the rates in context, Stafford loans at University of the Pacific amount to $1,023,575,398.00 distributed across 22,653 recipients.
Veterans and current servicemembers may be eligible for major federal education benefits including the Post-9/11 GI Bill and Department of Defense Tuition Assistance.
| GI Bill recipients | 74 |
| Avg GI Bill amount | $28,567.00 |
For the full rundown of veteran and military benefits, see the veteran aid breakdown.
Use the figures above as a launch point, then think through University of the Pacific, consider the following:
Each page below covers one part of paying for college in more detail:
Data sources. Figures on this page draw from the U.S. Department of Education College Scorecard, the Integrated Postsecondary Education Data System (IPEDS), and MediaFactual editorial review. Net-price calculator and financial-aid office links are taken from the institution’s own published data.