10-YEAR PAYOFF CURVECumulative economic payoff after graduation
+$36,482at year 10Net gainInvestment not yet recovered
NET GAIN$0UNRECOVERED
Private nonprofit · COLLEGE PAYOFF
University of the Pacific
Stockton, CA · 34 field-and-degree records
Earnings reported for 32 · Federal debt reported for 17
Based onObserved earnings + college priceEstimate10-year payoff
Estimated 10-year payoff
Positive payoff
+$36,482 over 10 years
Modeled from observed year-5 institution earnings and the institution-wide average net price over four years.
8.9 yrsTime to earn back the modeled cost
+13%Estimated return after 10 years
$76,827Observed earnings · year 5
$34,568Highest annual price before payoff reaches $0
The price benchmark is $9,121 per year below this threshold.
Start with your question
What do you want to understand?
ECONOMIC INVESTMENT → PAYBACK
Estimated payoff over ten years.
The scenario counts direct price and earnings forgone upfront, then applies the reported annual earnings premium.
FEDERAL COST DATA
Four ways to read college price.
Annual college-wide figures from the current College Scorecard release. Average net price covers full-time, first-time undergraduates receiving federal aid; public-college figures use in-state students. Program tuition and individual aid offers may differ.
PUBLISHED STUDENT BUDGET · 2024–25
What makes up the annual price?
Sticker-price components reported to IPEDS. Grants and scholarships are not subtracted here.
Living off campus: $17,190 housing and food allowance plus $4,200 in other expenses.
Do not confuse this with net price. Net price subtracts average grants and scholarships. DegreeVerdict continues to use the separately labeled average net price in its standard college ROI scenario.
PRICE SENSITIVITY
The price can change the verdict.
Hold observed earnings constant and see how the modeled ten-year payoff changes as annual price rises.
← Negative payoff$0Positive payoff →
$0Annual price+$138,270
$10,000Annual price+$98,270
$20,000Annual price+$58,270
$25,000Current college-wide context+$38,270
$30,000Annual price+$18,270
$40,000Annual price−$21,730
$50,000Annual price−$61,730
HOW STUDENTS ATTEND · 2023-24
Most students study without distance-education courses.
IPEDS enrollment counts show course delivery across the whole institution. They do not indicate whether a specific degree can be completed online.
Institution-level attendance context from IPEDS. Program delivery is reported separately on degree pages and in the program directory. These figures do not enter ROI.
College identity and local contextAccreditation, institution type, dual enrollment and state prices
COLLEGE AT A GLANCE
Institution details
Current federal characteristics describing the college, not the outcomes of a specific program.
- Accreditor
- Western Association of Schools and Colleges Senior Colleges and University Commission
- Main award level
- Bachelor’s degrees
- Campus setting
- City
- Admissions
- Selective admission
- Delivery
- Campus or mixed delivery
- Federal designation
- No special designation reported
STATE PRICE CONTEXT · 2024
Prices in California run 11% above the U.S. level.
BEA Regional Price Parities compare price levels across states. A value of 100 equals the national average.
What it costs and what graduates earn
$25,447Average net price / year
$71,515Cost of attendance
$19,500Median federal student debt · completer borrowers
$207/moPublished 10-year payment estimate
$76,827Median earnings · year 5 after completion
69.0%Completion rate
71.3%Admission rate
1,346Average SAT score
28ACT midpoint
3,204Student size
Debt covers federal student-loan borrowers who completed. It does not include Parent PLUS or private loans. We show admissions scores only when a valid federal value is available.
What the numbers say about University of the Pacific
What does University of the Pacific cost?
University of the Pacific reports an average annual net price of $25,447 after grants and scholarships. This is an institution-wide average, not an individual aid offer.
What do University of the Pacific graduates earn?
The observed median earnings figure is $76,827 5 years after completion. It describes a federal cohort, not a guaranteed starting salary.
How much federal debt do University of the Pacific graduates have?
Completer borrowers report median cumulative federal student debt of $19,500. Parent PLUS and private loans are not included.
Is every degree at University of the Pacific worth the same?
No. The current release contains 34 field-and-degree records for University of the Pacific; 32 report year-4 earnings and 17 report federal debt. Outcomes can differ substantially by field and degree level.
DEBT AFTER COLLEGE
Are borrowers making progress?
Repayment progress, default and debt at exit describe different federal borrower cohorts. They are shown separately and do not change the ROI estimate.
Source: College Scorecard. Repayment progress is the share of borrowers who reduced principal by at least $1 at the stated measurement point. Debt covers federal student loans; Parent PLUS and private loans are excluded. Cohorts and reporting periods differ across measures.
Who studied here during the year
7,598Students enrolled at any point
3,452Undergraduate students
4,146Graduate students
Unduplicated students enrolled at any point from July 1, 2024 through June 30, 2025. This full-year measure is different from a fall headcount and does not enter ROI.
More student and earnings detailPrice by family income, retention, equity and common industries
WHO PAYS, WHO FINISHES, WHO EARNS
Outcomes are not the same for every family.
These federal cohorts add context that a single college average can hide. Missing figures remain unreported rather than estimated.
Complete within 150% of the expected time
77% received a Pell Grant within eight yearsMedian Parent PLUS debt
725 parent borrowers in the reported cohortMedian federal student debt
70% making progress in repayment after three yearsStudent family incomeMedian earnings after 10 yearsObserved federal cohorts
Lower income$72,078Earnings are not a guarantee
Middle income$81,017Earnings are not a guarantee
Higher income$82,806Earnings are not a guarantee
Three-year repayment progress
Lower income67%
Middle income73%
Higher income78%
Undergraduate student composition
White14%
Black3%
Hispanic29%
Asian34%
Source: College Scorecard, June 2026 release. Parent PLUS debt belongs to parents; student-debt measures exclude Parent PLUS and private loans. Cohort definitions differ by measure.
NATIONAL CONTEXT
How this college compares
Percentiles compare this institution with currently operating colleges that report the same federal measure.
WHAT STANDS OUT
A faster read on this college
These summaries use every reportable field-and-credential record at this institution. They do not fill privacy-suppressed outcomes.
EARNINGS OVER TIME
What graduates earned in later years
$51,476Year 1
$81,820Year 4
$76,827Year 5
Each year can represent a different federal cohort, so the points do not track the same people over time.
Your choice of degree can change the payoff.
Graduate earnings differ by field and credential, even within the same college.
1Multi/Interdisciplinary Studies, Other · Bachelor's Degree$171,2612Pharmacy, Pharmaceutical Sciences, and Administration · First Professional Degree$170,0673Allied Health Diagnostic, Intervention, and Treatment Professions · Master's Degree$162,9824Dentistry · First Professional Degree$156,1985Computer Science · Bachelor's Degree$147,5116Engineering, General · Master's Degree$123,8107Law · First Professional Degree$114,2818Clinical, Counseling and Applied Psychology · Doctoral Degree$100,222Observed year-4 earnings · compare the same field and credential across colleges
Programs that stand out against the same-degree benchmark
This view rewards performance relative to the same field and credential, not simply majors that pay more everywhere.
1Multi/Interdisciplinary Studies, OtherBachelor's Degree · $171,261 reported+208%vs same-degree national median$15,500federal debt2Teacher Education and Professional Development, Specific Levels and MethodsBachelor's Degree · $69,342 reported+46%vs same-degree national median$23,562federal debt3Biology, GeneralBachelor's Degree · $83,012 reported+45%vs same-degree national median$21,500federal debt4Communication Disorders Sciences and ServicesMaster's Degree · $95,081 reported+42%vs same-degree national medianNot availablefederal debt5Computer ScienceBachelor's Degree · $147,511 reported+38%vs same-degree national median$23,000federal debt6Communication Disorders Sciences and ServicesBachelor's Degree · $77,549 reported+32%vs same-degree national median$18,500federal debt
Comparable colleges in CA
Currently operating private nonprofit institutions with the closest combination of annual net price and observed year-5 earnings. Similarity is descriptive, not a quality ranking.
San Diego, CA
National University
- Annual net price
- $22,878
- Observed earnings · year 5
- $73,353
- Modeled 10-year ROI
- +4%
Mount Saint Mary's University
- Annual net price
- $21,413
- Observed earnings · year 5
- $74,255
- Modeled 10-year ROI
- +10%
Saint Mary's College of California
- Annual net price
- $30,378
- Observed earnings · year 5
- $74,189
- Modeled 10-year ROI
- -3%
Pomona College
- Annual net price
- $19,285
- Observed earnings · year 5
- $73,623
- Modeled 10-year ROI
- +11%
Compare fields and degree levels
Showing all 34 field-and-degree records in the current release.
| Major or field | Degree level | Earnings, year 4 | Federal debt | 2024–25 graduates |
|---|---|---|---|---|
| Multi/Interdisciplinary Studies, Other | Bachelor's Degree | $171,261 | $15,500 | Not reported |
| Pharmacy, Pharmaceutical Sciences, and Administration | First Professional Degree | $170,067 | Not available | Not reported |
| Allied Health Diagnostic, Intervention, and Treatment Professions | Master's Degree | $162,982 | Not available | Not reported |
| Dentistry | First Professional Degree | $156,198 | Not available | Not reported |
| Computer Science | Bachelor's Degree | $147,511 | $23,000 | Not reported |
| Engineering, General | Master's Degree | $123,810 | Not available | Not reported |
| Law | First Professional Degree | $114,281 | Not available | Not reported |
| Clinical, Counseling and Applied Psychology | Doctoral Degree | $100,222 | Not available | 11 |
| Mechanical Engineering | Bachelor's Degree | $99,573 | $28,596 | Not reported |
| Rehabilitation and Therapeutic Professions | First Professional Degree | $96,221 | Not available | Not reported |
| Communication Disorders Sciences and Services | Master's Degree | $95,081 | Not available | Not reported |
| Engineering-Related Fields | Bachelor's Degree | $92,718 | Not available | Not reported |
| Business Administration, Management and Operations | Master's Degree | $91,865 | Not available | Not reported |
| Civil Engineering | Bachelor's Degree | $90,510 | $27,000 | Not reported |
| Legal Research and Advanced Professional Studies | Master's Degree | $87,881 | Not available | Not reported |
| Dental Support Services and Allied Professions | Bachelor's Degree | $86,150 | Not available | Not reported |
| Public Administration | Master's Degree | $84,392 | Not available | Not reported |
| Biology, General | Bachelor's Degree | $83,012 | $21,500 | Not reported |
| Educational Administration and Supervision | Master's Degree | $82,005 | Not available | Not reported |
| Economics | Bachelor's Degree | $79,510 | Not available | Not reported |
| Communication Disorders Sciences and Services | Bachelor's Degree | $77,549 | $18,500 | Not reported |
| Business Administration, Management and Operations | Bachelor's Degree | $76,025 | $21,166 | Not reported |
| Human Resources Management and Services | Bachelor's Degree | $75,444 | $28,125 | Not reported |
| Curriculum and Instruction | Master's Degree | $71,126 | Not available | Not reported |
| Teacher Education and Professional Development, Specific Levels and Methods | Bachelor's Degree | $69,342 | $23,562 | Not reported |
| Romance Languages, Literatures, and Linguistics | Bachelor's Degree | $61,487 | $23,750 | Not reported |
| Communication and Media Studies | Bachelor's Degree | $60,666 | $20,485 | Not reported |
| Sports, Kinesiology, and Physical Education/Fitness | Bachelor's Degree | $59,012 | $20,500 | Not reported |
| Sociology | Bachelor's Degree | $58,275 | $25,000 | Not reported |
| Psychology, General | Bachelor's Degree | $52,612 | $24,000 | Not reported |
| Political Science and Government | Bachelor's Degree | $50,827 | Not available | Not reported |
| Music | Bachelor's Degree | $43,093 | $26,017 | Not reported |
| Biomedical/Medical Engineering | Bachelor's Degree | Not available | $26,033 | Not reported |
| Biochemistry, Biophysics and Molecular Biology | Bachelor's Degree | Not available | $27,000 | Not reported |
Graduate counts come from IPEDS and group related majors into the same federal field. Missing earnings or debt values remain labeled as unavailable.
Earnings, price, completion and enrollment are observed federal measures. ROI, payoff and break-even are modeled scenarios built from those measures and fixed assumptions. College payoff is not the payoff of every degree at this school; use the program table for a more precise comparison.