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Office of Financial Aid
Knoles Hall, 1st Floor
Mailing Address:
University of the Pacific
Office of Financial Aid
3601 Pacific Ave.
Stockton, CA 95211

Federal Student Loan Repayment Information

Planning for your loan repayment doesn't have to be stressful. By exploring information below about your federal loan repayment options, you will be better prepared to begin repayment. Please feel free to come and speak with a Financial Aid Counselor if you have additional questions. For your most updated loan information including the name of your loan servicer please visit:  

Repayment Types

There are many different payment options once you have completed your degree, most common types of repayments are:   

Traditional: A fixed payment set out over the course of 10 years (120 months) to satisfy total loan debt (No loan forgiveness). 
Graduated:  A payment that starts minimally but gradually increases over the course of 10 years (120 months - no loan forgiveness).  
Income-Based Repayment: Payments that are calculated based off of income, documentation is required prior to approval for this program. Payment will not exceed 15% of monthly income (balance forgiven after 25 years of repayment)  More information about Income Based Repayment can be found here:  

These are just a few payment options, please review more payment options at:
Federal Student Loan Repayment Guide

By using your specific Department of Education PIN ,  you may find your loan information and estimate payment amounts  by visiting:



Loan Forbearance and Deferment:
Forbearance: Generally approved due to financial hardship, interest will still accrue on the loans.
Deferment: Appropriate for a student who is unemployed, active military or other economic hardship. Interest does not accrue when a loan is in deferment.


To assist students determine what their payments will be under each plan, it may be necessary to guide them through any of these calculators.