University of
the Pacific
Private College in Stockton, CA. Six-year graduation rate 69%. Median 10-year earnings $78,445.
Students who entered University of the Pacific reach a median of $78,445 ten years later, which puts this school in the upper band of undergraduate earnings outcomes. Completion is a strength: 69% of students finish within six years. Debt at graduation runs to a median of $19,500, neither a bargain nor a burden. On economic mobility, 4.3% of students travel from the bottom income quintile to the top.
Earnings: College Scorecard, median ten years after entry across students who received federal aid — completers and non-completers alike.
- ✓ Debt-to-income ratio 0.25 — healthy (below the 0.40 threshold)
- ✓ 3-year loan default 0.0% — below national benchmark
Admissions
71% of applicants get in, so the odds favor most reasonably prepared students. 7,780 applications came in, enough to make the rates below reasonably stable year to year. Only 14% of admitted students enroll — the great majority of admits go elsewhere or nowhere. The score bands below rest on the 21% of enrolled first-years who submitted an SAT score — a self-selected group, and not a cutoff.
Test score bands (middle 50% of submitters)
These bands describe the enrolled first-years who submitted a score, not the entering class. Where most students apply test-optional the submitters are a self-selected, higher-scoring group.
| Test | 25th–75th percentile | Submitted |
|---|---|---|
| SAT Evidence-Based Reading | 590–710 | 162 (21%) |
| SAT Math | 593–770 | |
| ACT Composite | 23–32 | 40 (5%) |
IPEDS Admissions · 2024
Apply at University of the Pacific →Academics
69% of students finish within six years, putting completion well above the national norm. Retention is strong at 88%, and first-year attrition is where most degrees are lost. The two rates sit near each other: few students who return for a second year are missing from the six-year completion figure. The 13:1 student-faculty ratio is small enough that seminar-sized classes are the norm. As a private nonprofit four-year college, the relevant comparison is other four-year schools rather than the national average across all institutions.
Financial Aid
IPEDS Student Financial Aid · 2023-24 · grant and loan rates against 3,247 degree- or certificate-seeking undergraduates
Average net price — what students actually pay after grant aid — is $31,670 a year, at the high end of undergraduate cost. The income table below is the number that matters — $17,004 at $0–30k versus $38,662 at $110k+. Grant aid is widespread — 96% of students receive it, averaging $38,449. Federal borrowing reaches 41% of students.
Entering first-year students
A different, smaller group than the rates above: full-time students in their first year of college anywhere. The grant series here also excludes the "other sources" counted in the all-undergraduate figure, so the two are not comparable.
IPEDS Student Financial Aid · 2023-24 · 771 students
Net price by family income
The same students as the headline above, limited to those who received Title IV federal aid — a narrower group, with a lower overall average. IPEDS publishes no combined figure across these bands, so they should not be averaged into one.
| Family income band | Average net price |
|---|---|
| $0–30k | $17,004 |
| $30–48k | $18,152 |
| $48–75k | $19,209 |
| $75–110k | $24,323 |
| $110k+ | $38,662 |
IPEDS Student Financial Aid · 2023-24
Federal student loans went to 1,326 of these 3,247 students, totalling $8,741,039 — an average of $6,592 each.
IPEDS Student Financial Aid · 2023-24
Local housing costs
Typical rents near campus (San Joaquin County) — budget these against any cost-of-attendance housing estimate.
HUD Fair Market Rents (40th-percentile gross rent incl. utilities) · FY2026
Veterans & GI Bill
VA GI Bill Comparison Tool (Veterans Affairs GIDS)