Understanding Pacific Oaks College Tuition, Fees, and Financial Aid Options
Financing higher education can be daunting, but Pacific Oaks College aims to make it accessible for students through a variety of financial aid options. This article provides a detailed overview of Pacific Oaks College's tuition, fees, and financial aid programs, including scholarships, grants, and loans, to help prospective and current students navigate their educational investment.
Tuition and Fees at Pacific Oaks College
Pacific Oaks College tuition is $33,360, which includes both tuition and fees, also referred to as the sticker price. Compared with the national average cost of tuition of $46,950, Pacific Oaks College is cheaper. Pacific Oaks College expects to align tuition and fees annually to support enhancements in teaching, learning, and student support services. The following schedule of tuition and fees is effective for the 2025-2026 Academic Year, beginning with the Fall 2025 semester. Pacific Oaks College reserves the right to add or change any of the fees or charges listed below at any time and without prior written notice.
Additional Expenses to Consider
When comparing the costs of different institutions, it's important to consider the total cost and the net price. The total cost includes the sticker price, plus the cost of food and housing, books and supplies, and transportation and personal expenses. The net price is the average cost of the university after aid and scholarship funds are discounted from the total cost. Get an accurate estimate of your total expenses studying at Pacific Oaks College with our Cost Calculator.
Understanding Fees
Fees differ by institution and may fund library services, student gym facilities, student centers, technology resources, and campus health centers.
Financial Aid Options at Pacific Oaks College
Pacific Oaks College demonstrates a strong commitment to educational accessibility, with 88% of undergraduate students receiving some form of financial assistance. Education is an investment in yourself and your future. While securing financing can be a challenge, Pacific Oaks College is committed to helping identify the best way to fund your educational journey.
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Financial aid refers to funding that students can use to pay for college and is generally awarded based on need or merit.
Types of Financial Aid
Pacific Oaks College offers various types of financial aid, including:
- Grants and Scholarships: Gift aid that doesn't need to be repaid.
- Work-Study Programs: Part-time employment opportunities on campus.
- Student Loans: Federal and private loan options available.
Need-Based Aid
Need-based aid is determined by your or your family’s demonstrated ability to pay for college, as calculated by the Free Application for Federal Student Aid, known as the FAFSA. Need-based self-help aid includes federal loans and work-study. 55% of students receive federal Pell grants for demonstrated financial need.
Merit-Based Aid
Merit-based aid, also called non-need-based aid, is awarded for a specific talent or athletic or academic achievement.
Applying for Financial Aid: The FAFSA
The FAFSA (Free Application for Federal Student Aid) is the main application for financial aid at Pacific Oaks College. The results of the FAFSA are used to calculate your financial aid award. The FAFSA is submitted to the federal Department of Education. You should complete/renew your FAFSA annually any time after October 1st. If you completed a FAFSA last year, complete a renewal FAFSA. You must e-sign your FAFSA with your pin.
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FAFSA Deadlines and Renewal
You will need to submit a new FAFSA to the federal Department of Education after October 1st for the following year. Once you register for classes for the following fall (usually in early spring), we will check for your FAFSA.
Verification Process
My Student Aid Report says I am selected for verification. Pacific Oaks College will need additional documents from you. You may contact us immediately to provide the documents, or you may wait for us to notify you that we need them. You will also be required to fill out a Verification Worksheet. We may need your taxes, if you filed any, and your parent(s’) taxes.
Understanding Your Award Letter
An award letter in a written estimate of the maximum aid you are eligible for, for the current academic year. Once received you have the option to accept, adjust or decline the individual fund sources outlined on your award letter. Your aid will not be processed until you return your award letter to the Financial Aid office with your decision. If you are new to Pacific Oaks College, we will send you an award letter shortly after you are accepted to the College, as long as we have a complete FAFSA on file.
Student Loans: Stafford, PLUS, and Alternatives
Primary funding source for graduate students include the Federal Direct Unsubsidized Stafford and Graduate PLUS Loans. Complete the FAFSA (Free Application for Federal Student Aid) online at www.fafsa.ed.gov.
Stafford Loans
A subsidized Stafford Loan is a loan in which the government pays the interest for a student while he/she is in school and during the grace period. The grace period begins upon a student dropping below a halftime enrollment status unless the loan’s full grace period eligibility has already ended. An unsubsidized Stafford Loan accrues interest immediately upon disbursement. However, a student does not have to start repaying it until six months after his/her last date of attendance or dropping below halftime. It’s recommend, however, that you begin paying the interest each month to minimize total interest owed. When you leave school, the accrued interest on the unsubsidized loans will be capitalized (added to the principal). For undergraduate students the subsidized Stafford loan is a need based loan and is determined based on the Expected Family Contribution (EFC) calculated on your FAFSA. In some cases a student’s EFC may be beyond the range of subsidized Stafford loan eligibility.
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Loan Options
- Sallie Mae: Fixed APR 2.89% to 17.49% with autopay; Variable APR 4.37% to 16.99% with autopay.
- College Ave: Fixed APR 2.89% to 17.99% with autopay; Variable APR 4.24% to 17.99% with autopay.
- Ascent Funding: Fixed APR 2.89% to 15.61% with autopay; Variable APR 4.34% to 15.25% with autopay.
Student Loan Debt
How much student loan debt you accumulate can affect your financial life long after college ends. Ideally, your total student loan debt should fall below your anticipated starting salary once you graduate. At Pacific Oaks College, the median federal loan debt among borrowers who completed their undergraduate degree is $29,105. The median monthly federal loan payment (if it were repaid over 10 years at 5.05% interest) for student federal loan borrowers who graduated is $309.
Refunds and Stipends
Refunds can be expected within 14 calendar days after your financial aid is posted to your student account. You cannot receive your refund prior to the start of any semester. Refunds are generated based on a credit balance created when the amount of your financial aid exceeds the total amount of your tuition and fees for the semester. A stipend means a refund check has been issued.
Direct Deposit
Yes. Once you are an active student, and you would like to receive your refund via direct deposit into your bank account, then you will need to submit the Direct Deposit Authorization form accessible via the Student Gateway. If we do not have a direct deposit form on file for you, then a paper check will automatically be issued.
Scholarships and Grants at Pacific Oaks College
Through the generosity of numerous donors who believe in the mission of Pacific Oaks College, we are pleased to offer scholarship assistance to support your academic journey and to reward your academic excellence. In addition, the federal and state government provides funds to eligible students. The award amounts of these grants varies based on need and the funds do not need to be paid back.
Types of Scholarships
Scholarships are a type of funding that you don’t need to pay back. Need-based scholarships take a student’s financial status into account. Merit-based scholarships are awarded to students for academic or athletic achievement. You might also qualify for a scholarship based on your community service involvement, unique hobbies or traits, your personal background, or a parent’s employer or military affiliation. Some students receive enough in scholarship money to cover their tuition and living expenses. See the types of scholarships and grants available at Pacific Oaks College below.
Resources and Support for Students
Pacific Oaks has teamed up with i3, a new program that provides our students with the knowledge and tools necessary to manage student loans and make responsible financial decisions. Counselors help students navigate through forms, rules, and regulations required to responsibly meet financial obligations. Student loans may seem to be a convenient option for students, but it is important to know how loan fees and interest rates can increase your total amount owed.
Financial Aid Office
For more information, contact our Financial Aid office at 800.645.8603.
Additional Support
Pacific Oaks is proud to be a yellow ribbon school and it is a privilege for us to provide support for those who serve. In keeping with our values of equality and inclusion, Pacific Oaks seeks to attract a diverse group of students who will thrive in this learning environment.
Important Considerations
Course Additions and Drops
Students will be assessed the appropriate fees associated with his/her add or drop. A student may need to make an additional payment even if he/she has already received a financial aid refund check. An outstanding balance on your account as a result of adding or dropping a course may prevent you from obtaining transcripts or future course registration.
Account Holds
Holds on a student’s account generally mean there is something pending that is required. Holds can come from any number of departments to include Student Accounts, the Registrar and/or Admissions.
Net Price
The average net price at Pacific Oaks College is calculated based on various factors per year after grants and scholarships are applied.
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