Pacific College

Costa Mesa, CA

Private for-profit small campus City: Midsize 225 undergrads

Affordability & debt

Average net price
$29,363per year, after aid
Undergraduates with a federal loan
44%
Undergraduates receiving a Pell grant
28%need-based, not repaid
Typical debt at graduation
$22,469federal loans, students who finished
Reducing their balance within 3 years
53%of borrowers who entered repayment

What that debt costs to repay. Typical debt here is about $22,469. At 7% over 10 years — the standard federal plan — that is roughly $261 a month, about $31,306 repaid in total, of which $8,837 is interest.

Stretch the same balance over 25 years and the payment drops to $159 a month — but the total climbs to $47,642, roughly $16,336 more in interest. A smaller payment is not a smaller loan.

An estimate, not financial advice: straight amortization at a fixed rate, ignoring fees, interest accrued while enrolled, and any forgiveness or income-driven plan. Figures on this page are averages and medians — what any one family borrows and pays varies widely. Try your own numbers.

Pacific College’s net price calculator — every college is required to publish one. It is the only way to get a cost estimate based on your family’s own finances rather than an average.

Admissions

Acceptance rate
56%

Context for the class as a whole, not a prediction about any one applicant.

Outcomes

Median earnings
$70,06410 years after entry

Median earnings of former students who received federal aid, measured 10 years after they started.

Campus life

Campus setting
City: Midsize
Residential character
Primarily commuter — most students live off campus

Most common fields of study

  • Health professions99%
  • Business & marketing1%

Share of degrees awarded, by broad field.

What borrowing would really cost

Starting from the typical debt at Pacific College. Change any figure to see your own.

Federal undergraduate loans have recently been near 7%. Private loans are often higher.

Standard plan — 10 years

$261per month

Total repaid
$31,306
Interest paid
$8,837

Longer term — 25 years

$159per month

Total repaid
$47,642
Interest paid
$25,173

Borrow $22,469 and repay it over 25 years instead of 10, and you pay $16,336 more — $47,642 in all, about 2.1× what you borrowed. The monthly payment is smaller; the loan is not.

An estimate, not financial advice. Straight amortization at a fixed rate: it assumes every payment is made on time and the rate never changes, and it leaves out fees, interest that accrues while you’re still enrolled, and any forgiveness or income-driven plan. Planning4College is not a financial advisor and sells no loans. Check real terms with your school’s financial aid office and studentaid.gov.

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Data from the U.S. Department of Education’s College Scorecard and the Equity in Athletics survey. Figures reflect the most recent reporting year available and may be out of date or incomplete — confirm anything decision-critical with the college directly. Official site: Pacific College.