Head-to-Head Analysis
This analysis was generated using Azimuth's proprietary framework. Our data model transforms federal education data into actionable insights. Learn about founder Daniel Rogers, explore our research methodology, or see how we think about this data.
Updated January 2026 • San Francisco, CA & Stockton, CA
When students choose between University of San Francisco and University of the Pacific, they're comparing two California private universities with notably different approaches to cost and outcomes. USF commands a premium price in San Francisco's competitive market, while Pacific offers more affordable access from its Stockton campus.
The earnings data shows USF graduates typically out-earn Pacific graduates by $11,367 annually, but this comes at a significantly higher upfront investment that shapes the value equation.
Median Student Debt at Graduation
$23,000
federal loans
$19,500
federal loans
Median Parent PLUS Loans
$44,413
borrowed by parents
$50,438
borrowed by parents
USF is predominantly business-focused, with 30% of graduates earning degrees in business fields. Pacific has a more balanced mix: 16% Business, 9% Social Sciences, 9% Engineering.
USF's largest programs include Registered Nursing (260 graduates annually), Business Administration (137), and Psychology (134). Pacific's top programs include Business Administration (109 graduates), Biology (99), and Multi/Interdisciplinary Studies (83).
These program concentrations help explain some of the earnings differences, with USF's nursing and finance focus supporting higher median outcomes.
For students prioritizing earnings potential and can manage the higher cost, USF delivers notably higher career outcomes in the competitive San Francisco market. Pacific offers strong value through lower upfront costs while still achieving solid earnings outcomes, making it the better choice for families prioritizing affordability.
The data shows both schools provide good return on investment, but USF edges ahead on raw earnings while Pacific wins on accessibility. The right choice depends on your financial capacity, program interests, and whether the earnings premium justifies the significant cost difference.
If you can afford USF without excessive debt, the earnings advantage makes it compelling.
Key Takeaway
The numbers are close, but the best school depends on your goals, values, and career aspirations.
This comparison was generated using Azimuth's proprietary ROI framework, developed by founder Daniel Rogers. Our methodology transforms federal education data into actionable insights for families.
This comparison uses Azimuth's proprietary ROI model based on U.S. Dept. of Education data. View Full Methodology.
This content is for educational and informational purposes only and should not be construed as financial, investment, or professional advice. Consult a qualified advisor before making any financial decisions.
College Azimuth is a private research initiative and is not affiliated with the U.S. Department of Education or Federal Student Aid.
