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Cost & financial aid brief

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# Fresno Pacific University Tuition, Costs & Financial Aid

Updated October 1, 2026

[Overview](/school/fresno-pacific-university/)Cost & aid[Outcomes](/school/fresno-pacific-university/outcomes/)[Admissions](/school/fresno-pacific-university/admissions/)[Majors](/school/fresno-pacific-university/majors/)[Similar schools](/school/fresno-pacific-university/similar/)

**On this page**+

## How much does Fresno Pacific University cost after financial aid?

The average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/) at Fresno Pacific University is $13,630, a reduction of $30,619 from the published cost. Aid covers about 69% of the listed cost for the average aid recipient.

The full published cost of attendance is $44,249, an average across living arrangements. Tuition and fees are $36,660, and room and board are $10,210.

That average net price is $8,717 below the $22,347 median at comparable institutions (same type and size). Azimuth ranks the university #290 for affordability among nonprofit four-year institutions. That result places the affordability pillar in the 80th percentile.

The average price after aid at Fresno Pacific University is $13,630, $8,717 below the median for comparable institutions (same type and size). Azimuth places the university in the 80th percentile for affordability among nonprofit four-year institutions.

Borrowers who finish hold a median of $23,146 in federal loans, $1,854 below the median for comparable institutions. The lowest income band averages $11,133, and the highest averages $20,353. The debt and the price after aid both sit below their peer medians.

After grants and scholarships, the average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/) for aid recipients is $11,133 in the lowest family-income band (under $30,000) and $20,353 in the highest band (over $110,000). The middle bands fall between: $11,929 for families earning $30,001–$48,000, $10,799 for $48,001–$75,000, and $15,744 for $75,001–$110,000.

58.4% of undergraduates receive Pell Grants, providing context for who the lowest band applies to. The spread between the lowest and highest bands is $9,220.

Average net price by family income

**$0–30K**
$11,133

**$30–48K**
$11,929

**$48–75K**
$10,799

**$75–110K**
$15,744

**$110K+**
$20,353

Averages within each income band; individual aid packages vary.

Overall average annual net price: **$13,630**. After grants and scholarships, including living costs. [Source and coverage](#cost-data-notes).

Aid covers about 69% of the published cost for the average aid recipient. Average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/)s range from $11,133 in the lowest income band to $20,353 in the highest, a spread of $9,220.

The middle bands sit at $11,929, $10,799, and $15,744, showing a pricing structure that is lower at lower incomes.

The published cost of attendance at Fresno Pacific University is $44,249 (an average across living arrangements). Azimuth ranks the university #290 for affordability among nonprofit four-year institutions.

After grants and scholarships, the average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/) for aid recipients from families earning under $30,000 is $11,133, for those earning $48,001 to $75,000 it is $10,799, and for those earning over $110,000 it is $20,353. The spread between the lowest and highest bands is $9,220.

Aid covers about 69% of the published cost for the average aid recipient. The average net price across all aid recipients is $13,630, which is $8,717 below the $22,347 median for comparable institutions (same type and size).

Borrowers who complete a degree leave with a median of $23,146 in federal student loans, $1,854 below the $25,000 median for comparable institutions (same type and size). 88.1% of federal aid recipients borrow federal loans.

Parents who borrow hold a separate median of $10,725 in [Parent PLUS](/analysis/ou-what-happens-when-parents-borrow-too/) loans. If repaid over ten years, the median federal debt corresponds to an estimated payment of $263 a month.

## Student loans: what does repayment look like?

Borrowers who complete leave with a median of $23,146 in federal student loans at Fresno Pacific University. Most undergraduates here borrow through the federal loan program, at a share of 88.1%.

The peer median for comparable institutions (same type and size) is $25,000. The median at this university is $1,854 below that level.

[Parent PLUS](/analysis/ou-what-happens-when-parents-borrow-too/) loans represent a separate borrower pool. The median for that group is $10,725.

Four years after completion, federally aided graduates of Fresno Pacific University who are working and not enrolled earn a median of $63,285. That places the figure at the 61st percentile among nonprofit four-year institutions.

The university's median is $7,370 above the peer median for comparable institutions (same type and size), which is $55,915. Graduates earn about $1,111 more than the model expects for similar students.

The gap is at the 59th percentile. Earnings scenarios, estimated from the program mix, span from $51,868 on the downside to $75,478 on the upside.

The typical earnings scenario is $63,285. The median federal debt for borrowers who complete is $23,146.

That amount is $1,854 below the peer median of $25,000. If repaid over ten years, that debt corresponds to an estimated payment of $263 a month.

For the separate population of parent borrowers, median [Parent PLUS](/analysis/ou-what-happens-when-parents-borrow-too/) borrowing is $10,725. For student borrowers, the median federal debt corresponds to an estimated payment of $263 a month if repaid over ten years.

[Repayment figures](#combined-borrowing) are in the Financial GPS card below. [Borrowing populations and model assumptions](#cost-data-notes).

## Parent loans: what can the family afford?

[How Parent PLUS borrowing affects families](/analysis/ou-what-happens-when-parents-borrow-too/)

**Median Parent PLUS debt**
$10,725

**Estimated parent payment**
$136/mo

Modeled Parent PLUS pressure by income

| Income | Risk level |
| --- | --- |
| $35,000 | High pressure |
| $50,000 | High pressure |
| $75,000 | Caution |
| $100,000 | Safe |
| $150,000 | Safe |
| $200,000 | Safe |

The model holds the parent balance fixed and varies parent income. [Read the assumptions and limits](#cost-data-notes).

## Student and parent loans: the monthly payments

Financial GPS

### What does repayment look like?

**Institution median student debt**
$23,146

**Institution Parent PLUS debt**
$10,725

Federal loans only; private or institutional loans aren’t included.

**Estimated student payment · monthly**
$263/mo

**Estimated Parent PLUS payment · monthly**
$136/mo

**Modeled student + parent payments**
$399/mo

Payments use school-wide median balances, not a specific major’s.

#### Student payment as a share of available income

At median graduate earnings of $63,285, with a $22,590 annual allowance for basic expenses:

**7.8%** of income above the allowance · Excellent

1.  Excellent Under 8% · selected scenario
2.  Good 8–under 12%
3.  Concerning 12–20%
4.  High risk Over 20%

How this estimate works

These are modeled earnings scenarios, not observed earnings percentiles. Annual student payments ÷ (earnings − basic-expense allowance). The starting allowance, $22,590, uses the published framework’s 2024 baseline; it is not a current local living-cost estimate. Change it for your budget, including taxes and other obligations. This combines school-level figures for illustration, not a typical individual’s budget or an official school rating. Parent PLUS is separate.

[Read the framework and its limits](/analysis/financial-gps-framework/).

Payment assumptions

Payments are 10-year standard payments on the median balance, before loan fees, used as a yardstick. Rates for newly issued loans may differ, and loans made after July 1, 2026 can repay over a longer term; existing loans keep their original fixed rates.

[Explore your own numbers in Financial GPS](/financial-gps/?tool=student&school=fresno-pacific-university#student-tool)

## Data & methodology

Sources and reporting periods: [methodology](/methodology/).

Analysis and methodology by [Daniel Rogers](/about/#founder), founder of College Azimuth.

Explanatory text is AI-assisted drafting checked against those figures; it is not an additional data source.

Figure notes link to sources and limitations. [About College Azimuth](/about/).

**Net price and borrowing.** The 2023–24 income-band averages include living costs and cover eligible first-time, full-time aid recipients; public-school figures reflect in-state tuition. They are not individual aid offers. Peer matching supplies overall net prices, not matched income-band averages. [College Scorecard data and documentation](https://collegescorecard.ed.gov/data/).

A personal student-risk assessment also needs your major and borrowing plan; these school-level illustrations do not assign you a personal risk zone.

Payments are 10-year standard payments on the median balance, before loan fees, used as a yardstick. Rates for newly issued loans may differ, and loans made after July 1, 2026 can repay over a longer term; existing loans keep their original fixed rates. Private-loan figures from the Common Data Set are separate from these federal repayment illustrations.