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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

Types of Financial Assistance for Dental Hygiene Students

Academic Merit Scholarships

  • Academic Merit Scholarships are a four-year commitment, renewable each year based on GPA maintenance requirements.
  • Scholarships are determined holistically, with factors such as High-School attended, curriculum rigor, extracurricular activities, leadership, and demonstrated interest all being factors.
  • Please select any of the below scholarships for an overview of general requirements: 

For Incoming 2019/2020 Freshmen Students 

Powell Scholarship            $41,000 (annually)  $164,000 (four-year value)
Regent's Scholarship $22,000 (annually) $88,000 (four-year value)
President's Scholarship $18,000 (annually) $72,000 (four-year value)
Provost's Scholarship $14,000 (annually) $56,000 (four-year value)
Pacific Scholarship $10,000 (annually) $40,000 (four-year value)

For Incoming 2019/2020 Transfer Students

Academic Distinguished Scholarship $16,000 (annually) $32,000 (two-year value)
Academic Excellence Scholarship  $14,000 (annually) $28,000 (two-year value)
Academic Merit Scholarship  $12,000 (annually) $24,000 (two-year value)

 * Transferable credits are welcomed from ALL colleges.

External Scholarships


Loan Eligibility

  • Federal Direct Loans are available to students regardless of income reported on the FAFSA.
  • The actual loan amounts and types of loans (subsidized, unsubsidized or a combination of both) that you are eligible to receive each year is determined by Pacific.
  • The amounts are based on such factors as your cost of attendance, expected family contribution (EFC), other financial aid and grade level in school.


  • You must enroll at least half-time to receive financial aid.
  • For undergraduates, professional Pharmacy students, teaching credential students, and graduate students in the Speech-Language Pathology and Physical Therapy programs, a minimum of six units per semester is considered half-time and 12 units is full-time. For students in other graduate programs, four units is considered half-time and eight units is full-time.
  • We must review your financial aid eligibility whenever there is a change in your enrollment, such as a drop from full-time to part-time status. Aid must also be reviewed if you withdraw or take a leave of absence.

Withdrawal From a Semester or the University

  • Students intending to completely withdraw from a semester or from Pacific will have to initiate the process in the Office of the Registrar.
  • The withdrawal date used by Financial Aid for return in the Return of Title IV Aid calculation and the effective date used by Student Accounts for tuition refunds are based on the date of your notification to the Office of the Registrar.

Loan Repayment

  • Federal student loans are required by law to provide a range of flexible repayment options, including but not limited to, income-based repayment plans and loan forgiveness benefits, which other student loans are not required to provide.

Loan Obligation

You are obligated to repay the full amount of the loan regardless of the following:

  • Whether you complete the program or finish within the regular time for completion.
  • Unable to obtain employment upon completion.
  • Dissatisfied with or believe you did not receive the education or other services you purchased.

Student Loan Code of Conduct

  • Pacific has developed a Code of Conduct in compliance with federal regulations.
  • The Financial Aid Office staff members comply with the Code of Conduct.
  • Click here for more information.

Federal Direct Stafford Loan

  • The Federal Direct Loan Program allows you to borrow directly from the federal government, through the University, to pay college costs.
  • There is a government loan fee of 1.066% removed from the total Stafford loan amount upon disbursement (payment to your student account).
  • Undergraduate students must be enrolled in at least 6 units to be considered for financial aid assistance.
  • Students who demonstrate financial need may qualify for a subsidized Stafford Loan; others may qualify for an unsubsidized loan.
  • The interest rate on the Federal Direct Stafford Loan is fixed for the life of the loan.
  • Loan Basics for Students
Interest Rates and Fees for Direct Loans
Loan Type Borrower Type   Loans first disbursed on or after 7/1/18 and before 7/1/19
Direct Subsidized/Unsubsidized Loans Undergraduate 5.05%
Loans first disbursed on or after 7/1/17 and before 7/1/18
Direct Subsidized/Unsubsidized Loans Undergraduate 4.45%
Loan Type First Disbursement Date Loan Fee
Direct Subsidized Loans and Direct Unsubsidized Loans On or after 10/1/16 and before 10/1/17 1.069%
On or after 10/1/17 and before 10/1/18 1.066%

Understanding Capitalized Interest

  • Capitalized interest is interest that accrues on your initial loan amount while you are still enrolled.
  • The chart below demonstrates an example of the difference between paying your loan monthly interest payments vs. deferring interest payments until after you graduate.
  • Additional information about the Federal Direct Stafford loan can be found here.

$3,500 loan: 6.8% and Interest: 4 years in school

Capitalize Interest

Interest Paid While in School

Amount Borrowed: $3,500 $3,500
Monthly Interest Payment (while in school): $0 $19.84
Interest to Capitalize: $952 $0
Principle Balance at Repayment: $4,452 $3,500
Estimated Monthly Payment (once in repayment): $50 $50
Total Payments: $5,950 $5,302
Total Interest Paid: $2,450 $1,802
Total Savings: N/A $648


Federal Direct PLUS Loan (Parent Loan)

Interest Rates and Fees for Direct Loans
Loan Type Borrower Type   Loans first disbursed on or after 7/1/18 and before 7/1/19
Direct PLUS Loans Parent(s) 7.60%
Loans first disbursed on or after 7/1/17 and before 7/1/18
Direct PLUS Loans Parent(s 7%
Loan Type First Disbursement Date Loan Fee
Direct PLUS Loans  On or after 10/1/17 and before 10/1/18 4.264%

For more information on loans, please review the following:

Disbursement & Refund

  • Loan proceeds will be deposited in your student account at the beginning of each term
  • Check your account periodically to see if your loans have been disbursed.
  • Go to, click on insidePacific and sign in, locate manage your account and click on the link, and select recent payments and credits.
  • If you borrow to help cover other expenses you will be sent a credit refund.  Your refund may be sent via paper check or direct deposit.  

Questions about the refund process should be directed to Student Accounts:

  • (209)946-2517 or 
  • Your financial aid file must be complete before financial aid funds can be disbursed (ie. Accept loans, Entrance Counseling Session, Promissory Note)

Private Loans 

  • Please direct all private loan questions to our Stockton campus and we would be happy to asisst you (209.946.2421/school code: 001329-00).
  • Students may choose to arrange financing through a private loan program to supplement their University Financial Aid.
  • Professional students with good credit histories or no credit history may usually borrow on their own.
  • Larger amount or more favorable terms may be available if the student applies with a creditworthy co-signer.
  • Ordinarily, the borrower or a co-borrower must be a U.S. citizen or permanent resident. Information about private loan programs is available on the Internet.
  • There are also online tools to help you compare private loan options, which can be found here.

Credit Checks

If you think you may wish to apply for a private loan, it is advisable to obtain a copy of your credit report now to ensure it is accurate. The major national credit reporting agencies are: