University of the Pacific
Stockton, CA 95211-0197 — Private Nonprofit
Value Score: 70/100 | ROI Score: -66 | Affordability Score: 55/100
Tuition (In-State): $57,080 | Out-of-State: $57,080
Acceptance Rate: 71.3% | Graduation Rate: 68.5% | Retention Rate: 88.5%
Median Earnings (10yr): $78,445 | Median Debt: $19,500
SAT Average: 1346 | ACT Midpoint: 28
Student Body Size: 3,204 (medium)
Pell Grant Recipients: 36.1% | Federal Loan Rate: 40.3%
Average Faculty Salary: $11,952/month
Tuition & Affordability Analysis
In-state tuition at University of the Pacific is $57,080 per year, which is 45% above the national average for private institutions.
Out-of-state students pay $57,080/year — a premium of $0 over in-state rates. Over four years, out-of-state students pay approximately $0 more than their in-state peers.
Estimated four-year tuition cost: $228,320 (tuition only, not including room, board, and fees).
What You Actually Pay: Net Price by Family Income
The sticker price rarely reflects what families actually pay. After grants and scholarships, here is the average net price by family income bracket at University of the Pacific:
- Families earning $0–$30,000: $17,004/year
- Families earning $30,001–$48,000: $18,152/year
- Families earning $48,001–$75,000: $19,209/year
- Families earning $75,001–$110,000: $24,323/year
- Families earning $110,000+: $38,662/year
Low-income families receive an average discount of $40,076/year, paying just 30% of the sticker price.
Admissions Snapshot
University of the Pacific has an acceptance rate of 71.3%, placing it in the Less Selective (70–85%) category. This means roughly 1,123 students apply each year.
The average SAT score of admitted students is 1346, 27% above the national average. This reflects a strong academic student body.
The ACT midpoint is 28, 33% above the national average.
Graduate Outcomes & Return on Investment
68.5% of students at University of the Pacific complete their degree, 10% above the national average. This is a solid graduation rate.
First-year retention rate: 88.5% (9% above the national average). This indicates most students are satisfied enough to return for sophomore year.
Graduates of University of the Pacific earn a median salary of $78,445 ten years after enrollment, 92% above the national average. This represents a $43,445/year earnings premium over the average high school diploma holder, or $1,303,350 in additional lifetime earnings over a 30-year career.
The median student debt at graduation is $19,500, 9% below the national average. On a standard 10-year repayment plan at 5.5% interest, this translates to approximately $212/month, with a total repayment of $25,440 (including $5,940 in interest).
Debt-to-Earnings Ratio: 0.25x. This is an excellent ratio — graduates carry manageable debt relative to their earning power.
Breakeven Point: Based on the earnings premium over high school graduates, a degree from University of the Pacific pays for itself in approximately 6 years. This is a reasonable investment timeline.
Financial Aid Profile
36.1% of students at University of the Pacific receive Pell Grants (federal need-based aid for families earning under ~$60,000), 9% above the national average. This is near the national average, reflecting a typical economic diversity among the student body.
40.3% of students take federal loans, 14% below the national average. This is a moderate borrowing rate.
Average faculty salary: $11,952/month, 37% above the national average. Higher faculty salaries generally indicate greater investment in teaching quality and ability to attract experienced professors.
Student Body & Campus Diversity
University of the Pacific enrolls 3,204 undergraduate students. This mid-sized institution offers a balance between personalized attention and diverse academic offerings.
Diversity Index: 78/100 (higher = more diverse). University of the Pacific has a highly diverse student body with strong representation across multiple racial and ethnic groups.
Student body composition: White 14%, Hispanic 29%, Black 3%, Asian 34%.
University of the Pacific: Medium-Sized Private Institution with Strong Business and Law Programs
- University of the Pacific: A Solid Education with a Questionable Financial Return
- Beyond the Classroom: How UOP Graduates Navigate the Job Market
- Stockton's Gem? Evaluating the University of the Pacific Experience and Outcomes
Report Card: Overall Grade D+
University of the Pacific receives an overall grade of D+ based on six dimensions:
- Academics: D+
- Value: F
- Outcomes: B+
- Affordability: D
College Analysis
University of the Pacific is a Private Nonprofit institution in Stockton, CA with approximately 3,204 students. Academics: Strong in business and law, with a focus on experiential learning. Value: Moderate tuition with a relatively low median debt, but a below-average ROI. Outcomes: Good job placement rates, with a median earnings 10 years after graduation above the national average.
The Verdict: Is University of the Pacific Worth It?
University of the Pacific presents a challenging value proposition. With an out-of-state tuition of $57,080 and a median 10-year earning potential of $78,445, the initial cost is substantial. The median debt of $19,500 is relatively moderate, which is a positive. However, the ROI score of -66 indicates that, on average, graduates are not recouping their investment quickly or effectively compared to national benchmarks. The earnings potential, while respectable, doesn't immediately justify the high sticker price, especially when considering the time it takes to pay off the debt. A rough calculation suggests that even if a graduate dedicates 20% of their median income ($15,689 annually) to debt repayment, it would take approximately 2.5 years to clear the $19,500 debt, assuming no interest. This doesn't account for living expenses or the initial years of lower earnings. While UOP offers strong programs and a good student experience, the financial return on investment appears to be a significant hurdle. It's not an outright bad deal, but it's certainly not a clear financial win. It leans towards being overpriced when viewed purely through a financial lens, making it a questionable investment for cost-conscious students unless significant financial aid is secured or the student pursues a high-earning field.
Return on Investment
While the degree is worth the cost for students in business and law programs, the ROI is below average compared to other institutions.
Debt Reality Check
Median student debt at University of the Pacific: $19,500. Monthly payment on a standard 10-year plan: $221/month. Total repaid: $26,520 ($7,020 in interest).
Breakeven vs high school diploma: 0.4 years. Debt burden: Low. Salary needed for comfortable repayment: $26,520.
Strengths
- Strong focus on experiential learning in business and law programs.
- Good job placement rates and above-average median earnings 10 years after graduation.
Weaknesses
- Below-average ROI compared to peer institutions.
- Moderate tuition with a relatively low median debt.
Academic Profile
SAT Average: 1346. ACT Midpoint: 28. Retention Rate: 88.5%.
University of the Pacific offers a personalized academic experience, distinguishing itself with strong programs in health sciences, business, and the arts. The School of Pharmacy and Health Sciences is a flagship, boasting impressive graduate success rates and state-of-the-art facilities. Similarly, the Eberhardt School of Business is well-regarded, providing practical, hands-on learning opportunities. The Conservatory of Music is another jewel, offering rigorous training within a liberal arts framework. With a student-faculty ratio that encourages close interaction, students benefit from faculty who are accessible and invested in their success. While specific faculty salary data isn't provided, the private, non-profit nature of UOP suggests a commitment to attracting and retaining quality educators. Research opportunities are available across disciplines, often integrated into coursework or offered through dedicated summer programs, allowing undergraduates to engage in meaningful scholarly pursuits. The Academic Success Center provides comprehensive support, including tutoring, writing assistance, and academic advising, ensuring students have the resources to thrive. Pacific also encourages global perspectives through its study abroad programs, allowing students to broaden their horizons academically and culturally. The Honors Program offers a challenging curriculum and enriched experiences for high-achieving students, fostering intellectual curiosity and leadership.
Financial Aid Guide for University of the Pacific
Pell Grant recipients: 36.1%. Students taking federal loans: 40.3%.
Navigating financial aid at the University of the Pacific involves understanding both merit-based and need-based aid. Given its private status, Pacific offers a range of institutional scholarships and grants designed to attract talented students. Merit scholarships are often awarded automatically based on academic achievement (GPA and course rigor) at the time of admission, with no separate application typically required. These can range from a few thousand dollars to a significant portion of tuition. Need-based aid is determined by the FAFSA and, if applicable, the CSS Profile. Pacific aims to meet a substantial portion of demonstrated financial need for its students. For families with an Expected Family Contribution (EFC) of $0, federal Pell Grants could cover a significant portion of tuition, and institutional grants would supplement this. For middle-income families, a combination of institutional grants, federal loans (like the Stafford Loan), and potentially work-study opportunities would likely form the aid package. Work-study positions are available across campus, offering students the chance to earn money while gaining experience. While Pacific is generally not known for aggressive aid negotiation, students with significant changes in financial circumstances or competing offers from similarly ranked institutions may find some room for discussion, though it's not guaranteed. It's crucial to submit all financial aid forms by the priority deadlines to maximize eligibility for all aid types. Scholarship tips include looking for departmental scholarships and external scholarships, as these can significantly reduce the overall cost of attendance.
Hidden Costs at University of the Pacific
- Room and board costs can add an estimated $16,000 to $18,000 annually, depending on the chosen meal plan and housing assignment.
- Textbooks and course materials can easily cost between $1,000 and $1,500 per academic year.
- Student activity and technology fees typically amount to around $1,000 per year, covering essential campus services and resources.
- Transportation costs, including gas, insurance, or public transit passes, can range from $500 to $2,000 annually, depending on commuting needs.
- Parking permits for students living off-campus or with cars can cost upwards of $300 per year.
- Personal expenses, such as toiletries, entertainment, and miscellaneous shopping, can add another $1,500 to $3,000 annually.
Alumni Outcomes & Career Paths
Graduates from the University of the Pacific (UOP) enter a diverse job market, with alumni finding opportunities across various sectors. While specific recruitment data is proprietary, common industries drawing UOP graduates include healthcare, education, technology, and business services. Major employers in the Northern California region that often hire UOP alumni include Kaiser Permanente, Sutter Health, Intel, Oracle, and various school districts within San Joaquin County and surrounding areas. The School of Engineering and Computer Science, and the Eberhardt School of Business are particularly strong feeders into the tech and business sectors, with alumni often landing roles in software development, data analysis, and financial services. The Arthur A. Dugoni School of Dentistry and the School of Pharmacy and Health Sciences place graduates into prominent healthcare systems and private practices throughout California. Graduate school placement rates are generally strong, particularly for students pursuing advanced degrees in health sciences and law, with many matriculating into top-tier programs. Notable alumni include former NFL player and coach Jon Gruden, and former California State Senator Cathleen Galgiani. UOP's Career Services offers robust support, including resume workshops, mock interviews, and career fairs, aiming to connect students with internship and job opportunities. The university benefits from its location, fostering internship pipelines with local hospitals, tech startups in the Sacramento-San Francisco corridor, and educational institutions. Geographic hiring patterns show a strong concentration of alumni within California, particularly in the Bay Area and Sacramento regions, though graduates also find positions nationally.
Campus Life & Culture at University of the Pacific
The student body at the University of the Pacific is diverse, drawing students from across California, the nation, and internationally. It tends to attract students who value a close-knit community, personalized attention from faculty, and a strong foundation in professional programs. Students who thrive here are often engaged, community-oriented, and seek opportunities for leadership and hands-on learning.
University of the Pacific, often called 'UOP' or simply 'Pacific,' cultivates a close-knit community feel on its beautiful, tree-lined campus in Stockton. The vibe is generally friendly and engaged, with a strong emphasis on personal connections. Residential life is a cornerstone, with most first-year students living on campus in residence halls like Anderson Hall or Grace Dodge Hall, fostering immediate friendships and involvement. As students progress, they can explore themed housing or move into apartments and houses in the surrounding neighborhoods, many of which are within walking distance and popular among students. Dining is centered around the DeRosa University Center, offering a variety of options from traditional dining hall fare to grab-and-go spots. Student organizations are abundant, covering everything from academic clubs and cultural groups to service organizations and intramural sports. Pacific has a robust Greek life presence, with several fraternities and sororities that contribute significantly to the social scene and offer leadership opportunities. Athletics, particularly NCAA Division I sports like basketball and football, generate school spirit, with games often drawing enthusiastic crowds. Beyond organized activities, students often gather at campus coffee shops, study lounges, or local Stockton spots. The campus itself, with its iconic Walter E. Smith Bell Tower and the tranquil Faye Spanos Concert Hall, provides a picturesque backdrop for student life. Expect a community where professors know your name and opportunities for involvement are readily available.
Campus Highlights
- The iconic Walter E. Smith Bell Tower, a central landmark and gathering spot.
- The Conservatory of Music, offering world-class training in a liberal arts setting.
- Strong emphasis on health sciences, with a highly respected School of Pharmacy and Health Sciences.
- A vibrant Greek life system that plays a significant role in campus social and leadership activities.
- The picturesque, tree-lined campus that provides a beautiful and engaging environment.
- Close proximity to diverse internship and experiential learning opportunities in the Central Valley and beyond.
- A strong sense of community fostered by a smaller student body and engaged faculty.
Location & Regional Advantages
The University of the Pacific's location in Stockton, California, presents a mixed bag of geographic advantages and challenges. Stockton itself offers a lower cost of living compared to the major coastal hubs of the Bay Area, making it more affordable for students and potentially for recent graduates starting their careers. This affordability can extend the payoff timeline for student debt. Proximity to major industry hubs is a significant advantage; UOP is situated within a reasonable driving distance of the burgeoning tech scene in Silicon Valley and the growing business sectors in Sacramento and the East Bay. This allows students access to internships and job opportunities in diverse fields like technology, healthcare, and government. The quality of life in Stockton is characterized by a more suburban feel, with access to outdoor recreation along the San Joaquin River. While the weather is typical of the Central Valley – hot summers and mild, wet winters – it's generally pleasant. Safety can be a concern in certain areas of Stockton, as with many urban centers, but the university campus itself is generally considered safe. The location's primary career opportunity impact lies in its role as a gateway to the broader Northern California job market. Graduates can leverage their UOP education and regional connections to secure positions in more economically vibrant areas, while potentially benefiting from the lower cost of living during their initial career stages.
How to Get Into University of the Pacific
Gaining admission to the University of the Pacific involves presenting a well-rounded application that highlights academic achievement and personal qualities. While Pacific is not highly selective, demonstrating genuine interest and a strong academic record is key. The admissions office values students who show potential for success both in and out of the classroom. Focus on maintaining a strong GPA, particularly in college preparatory courses. While SAT/ACT scores are not provided, if submitted, aim for scores within the average range of admitted students (which would typically be competitive for a private university of this caliber). Crafting a compelling essay is crucial; use it to showcase your personality, unique experiences, and why Pacific is the right fit for you. Consider essays that explore your passions, leadership experiences, or how you've overcome challenges. Demonstrated interest can be shown through campus visits (virtual or in-person), attending information sessions, and engaging with admissions counselors. Applying Early Action (EA) can be advantageous as it allows you to receive an admission decision sooner without a binding commitment. The application deadline for Early Action is typically in November, with Regular Decision deadlines in January. Ensure all application materials, including transcripts, recommendation letters, and essays, are submitted well before the deadlines.
How University of the Pacific Compares to Similar Schools
Similar schools: Santa Clara University, Loyola Marymount University, University of San Francisco, Saint Mary's College of California
Advantages
- More affordable cost of living in Stockton compared to the immediate Bay Area.
- Stronger focus on specific health sciences programs (Dentistry, Pharmacy) which can lead to stable, well-paying careers.
- Smaller class sizes and potentially more personalized attention due to a lower overall student population.
Disadvantages
- Lower overall national brand recognition and alumni network reach compared to some Bay Area peers.
- Less direct access to the dense concentration of tech and venture capital firms found in Silicon Valley.
- Lower graduation rate (68.5%) compared to some of its more selective peers.
Best For
- Best for students interested in business and law programs with a focus on experiential learning.
- Best for students seeking a diverse campus environment with a significant Asian population.
Avoid If
- Avoid if you are looking for a lower-cost alternative with a higher ROI.
- Avoid if you are not interested in business or law programs.
Frequently Asked Questions about University of the Pacific
How much does it cost to attend University of the Pacific?
In-state tuition at University of the Pacific is $57,080 per year, and out-of-state tuition is $57,080 per year. The median student debt at graduation is $19,500.
What is the acceptance rate at University of the Pacific?
University of the Pacific has an acceptance rate of 71.3%.
What is the graduation rate at University of the Pacific?
University of the Pacific has a graduation rate of 68.5%.
How much do University of the Pacific graduates earn?
The median earnings for University of the Pacific graduates 10 years after enrollment is $78,445. With median debt of $19,500, graduates earn roughly 4.0x their debt level annually.
How big is University of the Pacific?
University of the Pacific has approximately 3,204 students and is classified as a medium institution. It is located in Stockton, CA and is a Private Nonprofit institution.
Is University of the Pacific worth the cost?
University of the Pacific has an ROI score of -66 out of 100. With in-state tuition of $57,080 per year and median post-graduation earnings of $78,445, the data suggests the return on investment may be below average.
Where is University of the Pacific located?
University of the Pacific is located in Stockton, CA. It is a Private Nonprofit institution with approximately 3,204 students.
How much student debt do University of the Pacific graduates have?
The median student debt for University of the Pacific graduates is $19,500. With median earnings of $78,445 ten years after enrollment, graduates can expect a debt-to-income ratio of 25%.
Is University of the Pacific a good college?
University of the Pacific has a graduation rate of 68.5% and median post-graduation earnings of $78,445. Strong focus on experiential learning in business and law programs.
How does University of the Pacific compare to similar colleges?
Moderate tuition with a relatively low median debt. Compared to peer institutions, University of the Pacific offers a strong focus on experiential learning in business and law, but the ROI is below average.
What career prospects do University of the Pacific graduates have?
Graduates are well-positioned for careers in business and law, with good job placement rates and above-average earnings.
What should prospective students know about University of the Pacific?
University of the Pacific is well-positioned in the market for students interested in business and law programs, offering a strong focus on experiential learning.
What makes University of the Pacific stand out?
Good job placement rates with above-average median earnings 10 years after graduation.
What are the pros and cons of attending University of the Pacific?
Diverse student body with a significant Asian population.
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Analysis based on U.S. Department of Education data. Not enrollment advice. Verify information with the institution directly.