Cost & financial aid brief
University of the Pacific Tuition, Costs & Financial Aid
How much does University of the Pacific cost after financial aid?
The pricing pattern puts lower average net prices at the bottom of the income range and higher ones at the top. The published cost of attendance is $71,515 (an average across living arrangements), while the average net price for aid recipients is $25,447, leaving an average sticker-to-net gap of $46,068.
Aid covers about 64% of the published cost for the average aid recipient. Across the income bands, average net price is $17,004 in the lowest band, $18,152 in the next-lowest band, $19,209 in the middle band, $24,323 in the next-highest band, and $38,662 in the highest band.
That pattern shows lower average prices targeted toward lower-income bands, rather than describing what any individual family will receive.
The published cost of attendance at University of the Pacific is $71,515 (an average across living arrangements), and aid recipients’ prices vary widely by family income. Average net price is $17,004 for families in the lowest income band, $18,152 in the lower-middle band, $19,209 in the middle band, $24,323 in the upper-middle band, and $38,662 for families in the highest band.
The spread between the lowest and highest bands is $21,658. Azimuth ranks the university #1,007 for affordability among nonprofit four-year institutions.
For the average aid recipient, aid covers about 64% of the published cost. The average net price across all aid recipients is $25,447, which is $1,924 below the peer median of $27,371 for comparable institutions (same type and size).
Published tuition and fees are $57,080. Aid offsets a substantial share of the sticker price, but the income-band figures show why a family-specific estimate still matters.
Among borrowers who completed, median federal student loan debt is $19,500, and 89.4% of federal aid recipients borrow federal loans. That median is $4,699 below the $24,199 peer median for comparable institutions (same type and size).
That debt corresponds to an estimated payment of $222 a month if repaid over ten years. Median Parent PLUS borrowing for parent borrowers is $50,438.
Student loans: what does repayment look like?
Federal loans are part of the financing picture for 89.4% of federal aid recipients at University of the Pacific. Among borrowers who complete, median federal student loan debt is $19,500.
Compared with the $24,199 peer median at comparable institutions (same type and size), the university's median is $4,699 below. Parent PLUS borrowers are a separate parent-borrower population, with median borrowing of $50,438.
The higher peer median and the spread among federal borrowers describe different parts of the borrowing picture.
At University of the Pacific, the financial return picture pairs median earnings of $81,820 four years after completion with borrowing below that of comparable colleges. Azimuth places the earnings figure in the 90th percentile among nonprofit four-year institutions.
Graduates earn about $20,820 more than expects for similar students. Earnings beyond expectations, the gap between what graduates earn and what the model expects for similar students, falls in the 96th percentile according to Azimuth among nonprofit four-year institutions.
Earnings scenarios put earnings at $53,807 in a downside case, $81,820 in a typical case, and $143,554 in an upside case. Median federal student loan debt is $19,500, $4,699 below the $24,199 peer median at comparable institutions (same type and size).
That debt corresponds to an estimated payment of $222 a month if repaid over ten years. Higher-than-expected earnings and lower median debt point in the same direction.
For parent borrowers, a group separate from student federal loan borrowers, median Parent PLUS borrowing is $50,438. For student borrowers, that debt corresponds to an estimated payment of $222 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
- $50,438
- Estimated parent payment
- $641/mo
| Income | Risk level |
|---|---|
| $35,000 | High pressure |
| $50,000 | High pressure |
| $75,000 | High pressure |
| $100,000 | High pressure |
| $150,000 | Caution |
| $200,000 | Safe |
The model holds the parent balance fixed and varies parent income. Read the assumptions and limits.
Student and parent loans: the monthly payments
Financial GPS
What does repayment look like?
- Institution median student debt
- $19,500
- Institution Parent PLUS debt
- $50,438
Federal loans only; private or institutional loans aren’t included.
- Estimated student payment · monthly
- $222/mo
- Estimated Parent PLUS payment · monthly
- $641/mo
- Modeled student + parent payments
- $863/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 $81,820, with a $22,590 annual allowance for basic expenses:
4.5% of income above the allowance · Excellent
- Excellent Under 8% · selected scenario
- Good 8–under 12%
- Concerning 12–20%
- 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.
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.