Cost & financial aid brief
Pacific Oaks College Tuition, Costs & Financial Aid
How much does Pacific Oaks College cost after financial aid?
The published tuition and fees at Pacific Oaks College are $32,520. That sticker charge is the amount the university lists before any aid.
56.6% of undergraduates receive Pell Grants. Grants and scholarships lower the cost for aid recipients.
The size of that reduction depends on family income, assets, and other factors. Aid packages are individual offers, not uniform discounts.
Federal Pell Grants reach many low-income undergraduates. State and institutional grants may add further support as well. The final price varies by family because each aid package is different.
Student loans: what does repayment look like?
Federal borrowing is the norm at Pacific Oaks College: 95.1% of federal aid recipients take out federal loans. Among borrowers who complete, the median federal student debt is $29,105.
That median is $4,105 above the peer median of $25,000 for comparable institutions (same type and size). If repaid over ten years, the median debt corresponds to an estimated payment of $331 a month.
Parent borrowers hold a separate median of $12,485 in Parent PLUS loans.
Four years after completing a degree, federally aided graduates of Pacific Oaks College who are working and not enrolled earn a median of $56,852, at the 39th percentile nationally. That is $937 above the $55,915 median for comparable institutions (same type and size).
Graduates earn about $5,282 less than expects for similar students. That result is at the 36th percentile.
Borrowers who finish carry a median of $29,105 in federal loans, which corresponds to an estimated payment of $331 a month if repaid over ten years. That amount is $4,105 above the $25,000 median for comparable institutions.
For the separate population of parent borrowers, median Parent PLUS borrowing is $12,485. The median federal student debt corresponds to an estimated payment of $331 a month if repaid over ten years.
Repayment figures are in the Financial GPS card below. Borrowing populations and model assumptions.
Parent loans: what can the family afford?
How Parent PLUS borrowing affects families
- Median Parent PLUS debt
- $12,485
- Estimated parent payment
- $159/mo
| Household income | Share of income above basic expenses | Risk level |
|---|---|---|
| $35,000 | No room | High pressure |
| $50,000 | No room | High pressure |
| $75,000 | 9.3% | Caution |
| $100,000 | 4.2% | Safe |
| $150,000 | 2.0% | Safe |
| $200,000 | 1.3% | Safe |
The 10-year payment on the median Parent PLUS balance, as a share of household income above basic expenses ($54,640 a year: 200% of the 2026 federal poverty guideline for a household of three). No room is High pressure. Open the parent tool for your own numbers. Read the assumptions and limits.
Student and parent loans: the monthly payments
Financial GPS
What does repayment look like?
- Institution median student debt
- $29,105
- Institution Parent PLUS debt
- $12,485
Federal loans only; private or institutional loans aren’t included.
- Estimated student payment · monthly
- $331/mo
- Estimated Parent PLUS payment · monthly
- $159/mo
- Modeled student + parent payments
- $490/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 $56,852, with a $23,940 annual allowance for basic expenses:
12.1% of income above the allowance · Concerning
- Excellent Under 8%
- Good 8–under 12%
- Concerning 12–20% · selected scenario
- 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, $23,940, uses the published framework’s 2026 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.
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.
Data & methodology
Sources and reporting periods: methodology.
Analysis and methodology by Daniel Rogers, 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.
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.
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.