University of the Pacific - Net Price, Tuition, Cost to Attend, Financial Aid and Student Loans

How much does it cost to attend?

Sticker Price

$72,305

Costs for University of the Pacific
Fee	Cost
Tuition	$52,918
Other Fees	$764
Books and Supplies	$1,152
Room and Board	$14,420
Other Expenses Budget	$3,051

Annual Tuition & Costs

The annual tuition to attend University of the Pacific is $52,918. The cost is the same for both in-state and out-of-state students. Room and board fees are an additional $14,420. For educational materials, students should allocate approximately $1,152 for books and supplies plus $764 for other fees charged by the school. Finally, students should budget $3,051 for miscellaneous expenses throughout the year. With all these fees considered, the expected total cost to attend University of the Pacific on a full-time basis is $72,305 per annum.

Housing Costs

On campus room and board is provided by the school at a cost of $14,420 per academic year. Students electing to live off campus elsewhere in Stockton should budget at least this amount.

Books and Supplies

The estimated annual cost for books and educational supplies is $1,152.

Other Living Expenses

If living on-campus, students should budget for $3,051 in additional living expenses. Off-campus students should budget for $4,860 in other miscellaneous living expenses.

All price data is sourced from the 2022/2023 U.S. Department of Education National Center for Education Statistics survey.

Net Price

The average reported annual net price for University of the Pacific for students receiving grants or scholarship aid was $28,164* in 2019/2020. Net price includes tuition and required fees, books and supplies, and average cost for room and board and other expenses.

Average Net Price 2019/2020

$28,164

Below is the average net price by student family income.

Net Price by Income University of the Pacific
Family Income	Net Price Paid
$0 to $30,000	$18,447
$30,001 to $48,000	$17,676
$48,001 to $75,000	$19,749
$75,001 to $110,000	$23,985
$110,000+	$34,948

The net price provides a more realistic estimate of the true cost of attending University of the Pacific, once common grants and scholarships have been taken into account. It's important to note that your net price will fluctuate based on factors such as family income, assets and individual financial need. Net price is the out-of-pocket total cost that students end up paying or financing though student loans.

*Reported Average Annual Net Price for students receiving grant or scholarship aid reported to the U.S. Department of Education's Academic Year 2019/2020 IPEDS Survey. Financial aid is only available to those who qualify. Consult this school's net price calculator for further understanding of your potential net price.

Note that for colleges with no reported on-campus room and board, the average net price has been increased to account for living expenses. This number may not only reflect the net price paid to the school for tuition.

Financial Aid

96% of full-time undergrad University of the Pacific received financial aid in the form of grants, scholarships, fellowships from the institution or from Federal, State or local government agencies. This aid averaged $38,322 per student during the 2019/2020 school year. Grant and scholarship aid does not need to be paid back.

Pell Grants

37 percent of students received aid in the form of Pell Grants from the U.S. Federal Government. The average Pell Grant awarded for 2019/2020 was $5,266. To apply for a Pell Grant to attend University of the Pacific, the first step is to fill out the Free Application for Federal Student Aid (FAFSA).

Student Loans

47% of students received Federal Student Loans averaging $5,157 and 4% of undergrads took out private student loans averaging $20,916.

Finanical Aid University of the Pacific
Type	Avg./Student	Students Receiving
Total Grant and Scholarship Aid	$38,322	96%
Institutional Grants and Scholarships	$31,597	96%
Pell Grants	$5,266	37%
Other Federal Grants	$3,650	25%
State and Local Grants	$8,726	42%
Federal Student Loans	$5,157	47%
Other Student Loans	$20,916	4%

Financial Aid Mix - $72,305 Total Cost

CollegeSimply has modeled example payment coverage for the annual tuition and living expenses of $72,305. Breakdown is based on average grant aid and federal loan aid which will vary based on your family income.

55%

37%

Grants and Scholarships

55% - $38,322

Money granted to you by the U.S. Department of Education, University of the Pacific or other organizations. These are not loans and do not need to be repaid.

Federal Student Loans

7% - $5,157

Low interest student loans funded by the U.S. Department of Education. This amount will need to be repaid.

Out of Pocket Cost

37% - $25,775

Covered by family savings, work or private student loans which you will have to repay.

Student Loans

To gauge a more realistic picture of what it really could cost you out of pocket to go to University of the Pacific, we've modeled a ten year student loan with an original principal value of $112,656. The loan balance of $112,656 is a four year multiple of the $28,164 average net price. This is a estimate of what you could owe upon graduation if you were to qualify for average financial aid and what a degree really may cost. Should you not qualify for financial aid, you may owe significantly more when you graduate. Based on these assumptions, a monthly repayment of $1,223 could be required to pay off your student loan. The total of all payments including interest would sum $146,713.64.

Please note that financial aid is not guaranteed and is only available for qualifying students. Federal Student Loans are not grants and must be repaid with interest. The current Stafford loan interest rate is 5.5%.


Example Loan	$112,656
Stafford Loan Interest Rate	5.5%
Time to Pay Off Student Loan	10 years
Example Monthly Payment	$1,222.61
Total Interest Paid	$34,057.64
Sum of All Loan Payments	$146,713.64

Student Loan Affordability

In order to afford student loan payments and still meet all your other costs of living, it is recommended not to borrow more than you can pay back using 10% of your monthly income earned after graduation. If you're considering attending University of the Pacific, should consider if it will be realistic to make the post graduation loan payments based on your expected salary.

Using the 10% of salary threshold, an annual income of $146,713.64 would be needed to afford a $1,222.61 monthly payment in the example $112,656.00 loan modeled above. This assumes a repayment over 10 years. You can change the terms of this example loan using the student loan calculator below. View statistics about University of the Pacific student loan debt and graduate salaries under student outcomes.

Projected 4 Year Degree Price

4 Year Sticker Price

$289,220

Year	All Residents
1	$72,305
2	$74,558
3	$76,880
4	$79,275

Based on published tuition prices, we estimate the current cost of a 4 year bachelor's degree and living expenses at University of the Pacific to be $289,220 - assuming graduation in normal time. The estimation assumes a 3.1% annual increase over the next 4 years which has been the recent trend for this school.

Credit Hour Cost and Price per Class

Credit Hour and Class Costs at University of the Pacific
	Price Per Credit	3 Credit Class	4 Credit Class
All Residents	$1,605	$4,815	$6,420

Estimated cost for a class at University of the Pacific based on published credit hour prices. Note that not all schools allow single class enrollment. These prices should be used for comparison purposes as to how much it may cost to take a class at University of the Pacific versus other colleges.

Tuition Payment Plans Available

University of the Pacific Payment Plans
Tuition Payment Plan	Yes
Prepaid Tuition Plan	No
Alternative Tuition Plan	Yes
Guaranteed Tuition Plan	No

Tuition History

Historical tuition and price increases for University of the Pacific.

Year	Tuition	Annual Increase
2021	$51,628	2.5%
2020	$50,370	3%
2019	$48,904	3%
2018	$47,480	3.7%
2017	$45,786	3.9%
2016	$44,068	3.9%
2015	$42,414	3.9%
2014	$40,822	3.9%
2013	$39,290	9.8%
2012	$35,770	6.5%
2011	$33,600	4.3%
2010	$32,230	4.4%
2009	$30,880	6.6%
2008	$28,980	6%
2007	$27,350	4.8%
2006	$26,088	5.4%
2005	$24,750	4.9%
2004	$23,600	4.6%
2003	$22,555	4.8%
2002	$21,525	3.9%
2001	$20,725	3.9%
2000	$19,955	3%
1999	$19,365	3%
1998	$18,800	3%
1997	$18,260	6%
1996	$17,220	14.9%
1993	$14,990	3.5%
1992	$14,480	11.4%
1991	$13,000	1.8%
1990	$12,772	6.7%
1989	$11,968	8%
1988	$11,082

Is it Worth the Cost?

To make a comparative assessment if UOP is worth the price, measures of it's relative value for tuition dollar can be examined. We've calculated an academic national percentile rating of 74.01/100 for University of the Pacific. Considering an average net price paid of $28,164, this leads to an overall value ranking of 64/100. This places the school 110th on our national Best Value Colleges ranking as a provider of a very high value education compared to actual overall price paid.

College Savings Calculator

Plan and Save for College

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Student Loan Calculator

Estimate Loan Payments

Modify the loan assumptions to fit your financial situation and likely tuition price. Then calculate your payoff and loan payments for a University of the Pacific student loan.