Pacific Oaks College operates as a private nonprofit institution with tuition of $33,360 annually, plus $2,028 for books and supplies. However, comprehensive cost data including room and board, total cost of attendance, and detailed financial aid information are not available, making it difficult to provide a complete picture of educational expenses.
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Net prices are averages and may vary. Based on federal data for first-time, full-time students receiving aid.
| Cost Category | Amount |
|---|---|
| Tuition and Fees | $32,520 |
| Books and Supplies | $2,099 |
| Family Income | Net Price |
|---|---|
| $0–30k | No data |
| $30–48k | No data |
| $48–75k | No data |
| $75–110k | No data |
| $110k+ | No data |
Pacific Oaks College operates as a private nonprofit institution with tuition of $33,360 annually, plus $2,028 for books and supplies. However, comprehensive cost data including room and board, total cost of attendance, and detailed financial aid information are not available, making it difficult to provide a complete picture of educational expenses. The absence of net price data across income tiers prevents analysis of how costs vary by family financial circumstances, though the institution's high Pell share of 55.0% suggests many students receive substantial federal financial aid.
Student borrowing patterns indicate meaningful debt levels, with median debt of $29,105 for graduates, ranking in the 2nd percentile nationally. This debt level is $4,105 above the peer median of $25,000, suggesting higher educational costs or lower aid levels compared to similar institutions. Parent PLUS borrowing averages $10,412 with monthly payments of $137, indicating families supplement student aid with additional borrowing.
How much students borrow and whether debt is manageable given outcomes.
Debt is moderate relative to earnings. Manageable for most graduates, but higher-debt borrowers should plan carefully.
Pacific Oaks College graduates carry substantial debt burdens, with median debt of $29,105 ranking in the 2nd percentile nationally. This debt level is $4,105 higher than the peer median of $25,000, indicating above-average borrowing requirements compared to similar institutions.
Debt distribution ranges from $11,250 at the 25th percentile to $26,250 at the 75th percentile, showing meaningful variation in borrowing needs across students. The debt-to-earnings ratio of 0.55 indicates debt levels represent more than half of annual earnings, requiring careful financial planning for loan repayment.
Parent PLUS debt averages $10,412 with monthly payments of $137, adding family borrowing to student debt obligations. The high debt levels relative to median earnings of $52,485 create repayment challenges, though the institution's strong performance in earnings beyond expectations ($9,008 uplift) helps offset some borrowing concerns.
How cost compares to graduate earnings and value added.
Pacific Oaks College presents a mixed investment profile with strong earnings uplift but challenging debt levels. The institution generates $9,008 in earnings beyond expectations, ranking at the 83.7rd percentile nationally, indicating meaningful value creation for graduates.
Median earnings of $52,485 represent solid middle-class outcomes, particularly given the specialized nature of the institution's programs in education and human development. However, median debt of $29,105 creates a debt-to-earnings ratio of 0.55, requiring careful financial management for successful loan repayment.
The combination of earnings that substantially exceed expectations with higher than average debt levels suggests the institution provides educational value but at considerable financial cost. Graduates earn $2,073 more than peers at similar institutions, partially offsetting the $4,105 higher debt burden.
Pacific Oaks College enrolls 55.0% Pell-eligible students, indicating substantial federal financial aid distribution among the student body. This high Pell share suggests the institution successfully serves lower-income populations, though specific aid amounts and net costs remain unclear due to limited data availability.
The combination of high Pell enrollment with relatively high median debt of $29,105 suggests that federal grants may not fully cover educational expenses, requiring students to supplement aid with borrowing. Parent PLUS borrowing averages $10,412, indicating families contribute additional funding beyond student aid packages.
The 57.8% first-generation student share alongside high Pell enrollment indicates the institution serves populations that may have limited familiarity with college financing options, making financial literacy support particularly important. Without detailed aid data, prospective students should contact the financial aid office directly to understand available institutional scholarships, grants, and work-study opportunities that might supplement federal aid.
