Applying to college is an exciting time for your next step in life, but it can also be a lot of work. If you’re interested in attending University of the Pacific, though, there’s another option to apply.  

With Niche Direct Admissions, you could be accepted into Pacific immediately, no need to submit a personal essay and no application fee. You might even find out you’re eligible for a merit-based scholarship at the same time.  

What is direct admissions? It’s an approach more colleges have started offering in recent years alongside traditional applications. If you meet certain criteria, you’re in. Some colleges, including Pacific, will also waive the application fee for this method. Learn about it and other common college admission terms here.  

It may sound too good to be true, but it is a real option. To help you get through the process, here’s a guide to Niche Direct Admissions.  

Navigating Niche’s website

If you head to Niche’s website, you’ll see that the company does a lot more than just direct admissions. Its overall goal is to help students like yourself compare colleges and universities across the U.S. 

You can use the website’s search function to research colleges you’re interested in and learn more about admissions, average cost for attendees, campus life and so on. It also grades colleges on factors including value, professors and diversity. You may be interested to hear Pacific scores A’s in all three! 

If you’re looking for more information, you can also check out Niche’s blog, indexed scholarship list or student reviews.  

Using Niche Direct Admissions

Signing up for a Niche profile is a quick process. You only need to provide some demographic information, your desired major, your current GPA and, optionally, your SAT or ACT scores. Once you’ve made your profile, you can find Pacific’s Niche page and indicate your interest there.  

Once you’ve done all that, Niche will immediately let you know if you qualify for acceptance at Pacific. This works because Pacific has given Niche minimum requirements for applicants. If you meet those criteria, then you’re in!  

Getting scholarships with direct admission

If you are accepted into Pacific through Niche Direct Admission, you may also receive a merit-based scholarship at the same time. This scholarship is funded by Pacific, meaning that it’s bundled with your acceptance and cannot be transferred to other direct admission acceptances.  

If you’re accepted without being offered a scholarship, don’t fret. Those are entirely separate from need-based financial aid determined when you file a FAFSA form. You may still be eligible for state or federal assistance. Filing FAFSA still helps determine your eligibility for state or federal assistance, scholarships and the Federal Work-Study program.  

OK, I’ve been accepted to Pacific. What’s next?

If you qualify for acceptance to Pacific and have indicated on Niche that you’re interested in attending, Pacific’s admission team will send you an email with your next steps. You will also need to submit your transcripts to verify information provided on Niche. Admission offers depend on this being accurate.  

Keep in mind that a drop in your GPA after being accepted may affect your admission to Pacific.  

Is direct admission binding? You may be hesitant about taking this next step, still trying to figure out if Pacific is the right campus for you. Keep in mind that filling out this paperwork isn’t a binding decision. You can still choose to commit to another college without consequence.  

This would also be a great time to schedule a visit, see Pacific’s scenic campus and learn more about what your academic journey could look like.  

If Pacific seems like the right choice, then all you need to do is complete those next steps and put down a deposit to secure a spot in the incoming class.  

A few other things to keep in mind

Signing up for an account on Niche is free, only takes a few minutes and can save you a lot of time. Still, here are a few final things to keep in mind before you do.  

You can get into most but not all majors at Pacific through this approach. Certain programs, including some majors in the Conservatory of Music, have additional requirements that make them ineligible for direct admission.  

To see if your desired major is eligible for direct admission, check its page on our website. If its application requirements include something non-standard (an interview or an audition), then it is likely not. Pacific’s admission office can help you if you are still uncertain.    

If you aren’t accepted into Pacific through this method but really see yourself here, consider submitting a traditional application. Writing a personal statement is a good way to stand out from the crowd. 

Advanced Placement (AP) classes are often seen as a cornerstone of academic success in high school, but are they truly worth it? If you are a high school student planning your future, AP classes present a unique combination of challenges and rewards.  

This article explores the value of AP classes, how they prepare you for college, and what to consider before enrolling. It also highlights how AP credits are accepted at the University of the Pacific and compares AP classes with International Baccalaureate (IB) programs. 

What are AP classes? 

AP classes are college-level courses provided in high schools through the College Board’s Advanced Placement Program. They cover a wide range of subjects, including biology, calculus, history, and literature, and are designed to challenge you with rigorous academic content. At the end of each course, you take an AP exam to demonstrate your mastery of the material. 

The curriculum of AP classes is standardized across schools, ensuring consistency in content and assessment. These courses require critical thinking, problem-solving, and time management skills, making them an excellent preview of college academics. 

Why take AP classes? 

1. Academic challenge

AP classes offer advanced learning that goes beyond the standard high school curriculum. They help you develop skills needed for college, such as analytical thinking and in-depth research, while fostering a sense of achievement. 

2. College credit potential 

One of the most significant advantages of AP classes is the opportunity to earn college credits. Depending on the college and the score achieved on the AP exam, you can bypass introductory courses, saving both time and money. For example, scoring a 4 or 5 on an AP exam might translate into three or more college credits. 

At University of the Pacific, students can receive college credit for various AP exams. Credit policies vary by subject and score, so it’s essential to consult Pacific’s general education page for the most up-to-date information. 

How important are AP classes for college admission? 

1. Impact on application 

Taking AP classes demonstrates academic ambition and a willingness to challenge yourself—qualities that college admissions officers value. While not mandatory, a strong AP course record can make your application stand out. 

2. Admission perspective

Danny Ramirez, assistant director of admission at the University of the Pacific, emphasizes the importance of being strategic when considering AP courses: 

“If you can manage the workload of AP courses, then you should take them. These classes provide valuable preparation for college.  Choose the courses you can manage and excel in—that’s what truly matters to college admissions officers.” 

Additionally, AP classes can impact eligibility for merit scholarships and placement in Pacific’s honors programs. Students are encouraged to speak with an admission counselor to learn how AP scores factor into these opportunities. 

3. What about IB classes?

International Baccalaureate (IB) classes are another advanced academic option. Like AP, IB classes provide rigorous coursework, but they emphasize a global perspective and require participation in a broader program, including research projects and community service. 

AP vs IB: Which is right for you?

• AP classes: Flexible, subject-specific courses offering the potential for college credit based on exam scores. 

• IB classes: Part of a comprehensive program with a focus on critical thinking, research, and international perspectives. 
• The best choice depends on your academic strengths, interests, and college goals. Students interested in earning college credit should research how their prospective colleges, including Pacific, accept AP and IB credits. 

How to maximize the benefits of AP classes

Performance tips

Success in AP classes requires dedication and strategy. Stay organized, seek help when needed, and use resources like AP prep books and online practice exams. 

AP exams

Registering for AP exams is straightforward via the College Board’s website. Preparing thoroughly can lead to higher scores and better chances of earning college credit. 

Sending AP scores to colleges

You can send your scores directly to colleges through the College Board’s portal. Many institutions require official score reports for credit evaluation. 

Final thoughts

AP classes offer significant benefits, from academic growth to college credit opportunities, making them a worthwhile consideration for many students. However, they are not a one-size-fits-all solution. Students and their parents should evaluate personal goals and resources before committing to these challenging courses. 

Research the AP and IB classes available at your high school and consult with academic advisers to determine the best path forward. To learn more about advanced placement opportunities, visit the College Board’s AP website and University of the Pacific’s AP credit policy. 

Figuring out student loans doesn’t have to be stressful. At Pacific, we make the process easier with guidance every step of the way. Here’s what you need to know to get started. 

Understanding your financial aid offer 

First, review your financial aid offer letter. It was sent to your Pacific email as well as the email you used to apply. The offer letter is a comprehensive breakdown of the resources and aid that will be available to you. Here are the different components of this letter: 

• Gift aid: This includes scholarships and grants, which are funds you don’t have to repay.  

• Cost of attendance: This outlines the estimated costs for one year at Pacific, including direct costs (tuition, fees, room and board) and indirect costs (transportation, books and personal expenses). 

• Net Cost: This is the remaining amount you may owe after scholarships and grants are applied. 

• Student Loans: Borrowed funds that must be repaid with interest. 

Focusing on federal student loans 

For most students, federal student loans are a primary source of financial aid. These loans, offered by the U.S. Department of Education, come with several benefits, including fixed interest rates and flexible repayment options. 

• Eligibility: New first-year students can typically borrow up to $5,500 per academic year. This amount may increase in subsequent years. 

• Subsidized vs. unsubsidized: Subsidized loans are need-based, and the government pays the interest while you’re in school. Unsubsidized loans accrue interest from the moment they’re disbursed.    

The loan application process 

• Accessing federal student loans: You must complete the Free Application for Federal Student Aid (FAFSA). Your financial aid offer letter will indicate the loan amounts you’re eligible for. 

• Accepting loans: You’ll need to accept your loans through the MyPacific portal.  

• Loan requirements: Accepting your loan isn’t automatic. You must complete a Master Promissory Note (MPN) and loan entrance counseling to fully understand your loan obligations. 

Key considerations and timelines 

• Confirmation deadline: Remember that your confirmation of enrollment is due May 1. 

• Loan acceptance timeline: While you can accept loans at any time after receiving your offer, you should finalize all loan paperwork by early July to ensure funds are applied to your bill. 

• Parent PLUS Loans: If additional funds are needed, parents can consider the Federal Parent PLUS Loan, which allows borrowing up to the remaining cost of attendance. Applications for this loan open on April 15. 

• Outside scholarships: If you receive scholarships from external sources, notify the financial aid office. Those funds may affect your overall aid package. 

• Housing costs: Be aware that student loans may help cover housing costs, but this varies depending on your individual aid package. 

Navigating your options 

• Payment plans: Pacific offers monthly payment plans to help manage your out-of-pocket expenses. Consider this option if paying in full is challenging. 

• Seeking assistance: Don’t hesitate to contact Pacific’s Office of Financial Aid with any questions. We’re here to provide personalized guidance and support. 

• FERPA: If you want your parents to discuss your financial aid details with us, be sure you complete a FERPA release form. 

Understanding your financial aid offer and student loan options is important for making informed decisions about your college education. By familiarizing yourself with each of these steps, you can confidently navigate the financial aid process and focus on your academic journey at Pacific. 

If you have any questions about your financial aid options, contact Pacific’s Office of Financial Aid: 

• financialaid@pacific.edu  

• 209.946.2421 

The journey to your college education is filled with excitement, anticipation and a lot of financial planning. If you’re exploring ways to cover the costs, the federal parent PLUS loan is a common option. It’s a credit-based federal loan that your parent or guardian can take out. This guide will walk you through each step, ensuring easier navigation of the PLUS loan application process. 

Step 1: Head to the Federal Student Aid website – your central hub 

The Parent PLUS Loan application for the 2025-26 academic year opens April 15. Just like completing your FAFSA, your journey begins at the Federal Student Aid website.  This website is the official portal for all federal student aid. Remember, this loan is specifically for parents, so you will need them to log in using their own FSA ID and password, not your own. This is an important distinction – using a student login will lead to processing errors. 

Step 2: Locating the PLUS loan application 

• Once logged in, look for the “loans and grants” tab.  

• Within this section, find “get a loan” and then select “grad PLUS and parent PLUS.”  

• You’ll be presented with various loan options, but for this purpose, choose the “direct PLUS loan application for parents.” 

Step 3: Verification and credit check preparation 

Before diving into the application, your parent will need to verify that they haven’t placed a freeze on their credit report. If their credit is frozen, they’ll need to contact the credit bureaus to temporarily lift the freeze. This step is essential because the PLUS loan requires a credit check. 

Step 4: Entering essential details – award year and student information 

The next step involves specifying the award year for which they’re applying. Your parent will also need to provide your student information, including your Social Security number and potentially your date of birth. Ensure this information is accurately displayed before moving on. 

Step 5: Designating the school 

Your parent will need to indicate the school where the loan proceeds should be sent. Search for the institution by state and name (e.g., California, University of the Pacific). They will need to double-check that they’ve selected the correct school before proceeding. 

Step 6: Specifying application type and loan amount 

Choose “new” if this is their first time applying for a PLUS Loan. Then, your parent will need to decide how much they want to borrow. There are a few options: 

• Maximum amount: This allows the school to determine the maximum loan amount based on your cost of attendance and other financial aid. 

• Specific amount: If they know the exact amount you need, enter it here. Remember to factor in the loan fees, which as of March 2025 are approximately 4%. They can use the calculator provided on the web page to ensure your family borrows enough to cover the actual costs. 

• Unknown amount: While this option exists, it’s not recommended. Schools will likely follow up, which will delay the process. 

Step 7: Defining the loan period and deferment options 

In this section, specify the loan period, typically one academic year (e.g., August 2025 to May 2026). It’s important to understand that PLUS Loan applications are for one school year only, not for the entire duration of your education.  

Your parent will also be asked about deferment. This allows them to postpone payments while you’re enrolled at least half-time and for an additional six-month grace period after you graduate or stop attending school. Electing deferment is generally recommended.  

It’s important to remember that PLUS Loans still accrue interest during deferment periods. This means that while your parent is not required to make payments, the loan balance is still growing due to interest. 

Step 8: Loan usage and disbursement 

Your parent will need to indicate whether they want the loan to cover other education-related charges, such as lab fees. Then, they will decide whether to receive any excess funds or have them sent directly to you, the student. 

Step 9: Relationship and other verifications 

Your parent will need to clarify their relationship with you (biological, adoptive or step-parent) and confirm your citizenship status. Only U.S. citizens, nationals, permanent residents or other eligible non-citizens are eligible for the PLUS Loan. 

Next, your parent will need to verify their address, contact and employer information. Finally, they’ll authorize the Department of Education to conduct a credit check. 

Step 10: Review, submit and credit decision 

Your parent will need to carefully review all the information they’ve entered before submitting the application. They will receive an immediate credit decision: 

• Approved: Proceed to complete the master promissory note (MPN). 

• Denied: Your parent will have options that include appealing the decision, using an endorser or increasing your unsubsidized loan. 

If approved, complete the MPN on Federal Student Aid website. This is a legally binding agreement to repay the PLUS loan. 

By following these steps, your parent can confidently navigate the Parent PLUS Loan application process and make the first steps in your educational journey at Pacific. Remember, Pacific’s Office of Financial Aid is here to help, so reach out with any questions.  

Contact Pacific’s Office of Financial Aid: 

• financialaid@pacific.edu  

• 209.946.2421 

We know college is a significant investment. That’s why at Pacific we’re committed to providing you with the resources and support you need to navigate the financial aid process. In this guide, we’ll provide you with insights and information to help you manage your investment in your Pacific education.  

FAFSA: Your first step 

The Free Application for Federal Student Aid (FAFSA) is necessary for accessing need-based grants and loans. While not required for merit scholarships, filing the FAFSA is highly recommended for other reasons. For example, having a FAFSA on file can save you time and trouble if your family’s finances change. Remember, you’ll need to file the FAFSA each year you attend college. Don’t forget to keep an eye on important FAFSA deadlines as well. 

Maintaining financial aid eligibility 

To keep your financial aid, you need to meet satisfactory academic progress (SAP) standards. This means maintaining a 2.0 cumulative GPA and successfully completing 67% of your courses. While an occasional withdrawal won’t derail your progress, it’s essential to stay on track and seek support if you’re struggling academically. 

Be aware that withdrawing from classes can impact your SAP percentage, and while it’s sometimes necessary, frequent withdrawals can jeopardize your financial aid. If you encounter circumstances that prevent you from meeting SAP requirements, Pacific offers an appeal process where you can submit an explanation, accompanied by supporting documentation, regarding the circumstances that impacted your academic performance. 

Exploring financing options 

Pacific offers various options to help families cover remaining costs beyond scholarships, grants and federal loans. These include: 

• Monthly payment plan: Choose between a three-month or five-month plan, with a small enrollment fee and no interest. 

• Federal parent PLUS loan: This loan is in the parent’s name and requires a credit check. If a parent’s credit is denied, options include appealing the decision, applying with a cosigner or exploring an increase in the student’s loan eligibility. 

• Private loans: These loans are typically in the student’s name and often require a cosigner. Compare interest rates and terms carefully before choosing a private loan. 

Work-related scholarships 

Pacific offers two different programs to help students manage their educational expenses: 

• Federal work-study: Provides part-time employment opportunities to help students earn money for college costs. To receive federal work-study, you must apply and be accepted into a job position, the award is earned through paychecks and is not applied directly to your tuition bill. 

• Pacific’s College Corps Program: Offers students the opportunity to perform community service while earning course credit and a living allowance to help with educational expenses. 

Maximizing scholarship opportunities 

Be sure to look for as many scholarship possibilities as possible. Pacific offers a variety of merit-based and need-based scholarships. To increase your chances of receiving scholarships, apply early, explore external scholarship opportunities and maintain good grades. Applicants typically maintain a GPA of 3.5 or higher. 

For international students, merit scholarships are the primary source of financial aid offered by Pacific. Explore private loan options and contact Career Services for on-campus job opportunities, as there may be visa-related work restrictions. 

Stay informed and seek support 

Review your financial aid offer and billing statements carefully. If you notice any discrepancies or have questions, contact Pacific’s Office of Financial Aid immediately. Don’t wait until it’s too late to address any issues. 

College is an investment in your future, and Pacific is here to support you every step of the way. Take advantage of the resources available, stay informed and don’t hesitate to reach out to the financial aid office for guidance.  

If you have any questions about your financial aid options, contact Pacific’s Office of Financial Aid: 

• financialaid@pacific.edu  

• 209.946.2421 

Once you’re admitted to University of the Pacific one of the first things you’ll receive next is your financial aid offer. In this guide and video, we will walk you through your offer letter, breaking down each section of your offer letter so you can understand more about the process. If you’re not familiar with all the financial aid terms be sure to check out this blog story as well.  

1. First steps

Before you receive your offer letter, make sure you’ve taken care of these steps: 

• Ensure your FAFSA is filed: You’ll need to have a 2025-26 FAFSA on file with Pacific’s school code (001329) to receive your financial aid offer. 

• Parents, complete the FERPA release form: To discuss your student’s financial aid details with the Financial Aid Office, ensure your student completes a FERPA release form. You can find the link in the offer letter email, at the bottom of the offer letter itself or on Pacific’s Financial Aid website. 

• Check your email and online portals: Once processed, you’ll receive an email notification with a link to your offer letter. You can also access it by checking your Pacific email account, the email account you used to apply to Pacific, by logging into pacific.awardletter.com with your Pacific Net credentials or through the financial aid section of myPacific. 

2. Understanding your offer letter 

Let’s break down everything that’s in your offer letter: 

Scholarships and grants

• The top section outlines your merit-based scholarships and need-based grants (if applicable). 

• These are awarded annually, with amounts broken down per semester (fall and spring). 

• This is gift aid, meaning you don’t have to repay it. 

Cost of attendance

• Direct costs: These are billed directly by the university and include tuition and fees, as well as housing and food. 

• Indirect costs: These are estimated expenses not billed by the university, such as transportation, books, supplies and personal expenses. 

• The letter calculates your net cost after deducting gift aid from direct costs. This gives you an initial estimate of your potential out-of-pocket expenses for your first year. 

• Important note: All students are automatically charged for school health insurance. Complete the health insurance waiver (available in June) if you have alternative coverage to avoid this cost. 

Federal student loans

• This section details the federal student loans you’re eligible to borrow in your name for your first year. 

• The maximum amount for qualifying first-year students is $5,500, divided equally between fall and spring semesters. 

• The letter recalculates your estimated remaining cost after factoring in potential loan amounts.

Housing

• Pacific has a two-year residency requirement for new students. 

• If you have exceptional circumstances (including financial hardship), you can petition for an exemption through the Residential Life and Housing Office. 

• Note: If you receive need-based grant aid (specifically the UOP Tuition and Housing Grant) and are approved to live at home, the grant amount may be reevaluated. 

Payment options

• Pacific offers a monthly payment plan with three or five monthly installments per semester. 

• There’s no interest charged, only a small enrollment fee ($25 for the three-month plan and $75 for the five-month plan). 

3. Next steps 

Navigating your offer letter and applying for loans properly is an important task, here are some things to keep in mind when you’ve finished. 

• Review your offer carefully and compare costs. 

• Watch our other financial aid webinars to learn more about managing your investment in Pacific. 

• Contact the Financial Aid Office if you have questions: 

• financialaid@pacific.edu  

• 209.946.2421 

Filling out the Free Application for Federal Student Aid (FAFSA) can feel a bit daunting. But many common beliefs about the FAFSA are simply myths. Let’s debunk these misconceptions and clarify the realities to help you maximize your financial aid potential. 

Myth 1: It’s too late to file your FAFSA

Reality: Pacific’s priority filing deadline helps the Office of Financial Aid send out timely financial aid offers, but it isn’t too late to file your FAFSA.  Financial aid offers are sent out every week when new FAFSA forms are received.  You will still be reviewed for all available federal, state and institutional aid resources so file your FAFSA today, so you don’t leave money on the table.

Myth 2: You only need to file the FAFSA once

Reality: You must file the FAFSA every year while you are in school to ensure that your financial situation is up-to-date and you will be eligible for the appropriate amount of aid. Don’t fall into the trap of thinking one application covers your entire college career. 

Myth 3: The FAFSA is too hard to fill out

Reality: While it may seem intimidating, the FAFSA has been streamlined to make it significantly faster and easier. Recent updates include skip logic, a tool that automatically skips unnecessary questions based on your answers to previous questions, and direct IRS data retrieval, which simplifies income reporting.  

Myth 4: You won’t qualify for aid because you make too much money

Reality: This is a common and costly misconception. Filing the FAFSA opens access to federal loan options, which are available regardless of income. Additionally, you might qualify for need-based aid even if you think you won’t. The FAFSA provides a baseline for determining your eligibility and establishes a foundation for special circumstance reviews. If your financial situation changes unexpectedly, having a completed FAFSA can be crucial. It acts as an “insurance plan” for unforeseen hardships. 

Myth 5: Grades, ethnicity or age will disqualify you from aid

Reality: Need-based aid is primarily determined by household income and assets. Your academic performance, ethnicity and age do not disqualify you from receiving aid. While age can affect the information you need to provide, it does not bar you from eligibility. The FAFSA focuses on financial need, not personal demographics. 

Additional clarifications: 

• Divorced parents: The parent who provides the most financial support should be listed on the FAFSA. If support is equal, list the parent with the higher income and assets. 

• Proactive filing: Even if you’re unsure if you’ll qualify, filing the FAFSA is a proactive step that can open doors to various aid options. 

• Financial aid counseling: Don’t hesitate to reach out to your school’s financial aid counseling team. They are there to help you navigate the process and answer your questions. 

By understanding the realities behind these myths, you can approach the FAFSA with confidence and maximize your chance of securing the financial aid you need. 

Contact Pacific’s Office of Financial Aid if you have questions: 

• financialaid@pacific.edu  

• 209.946.2421 

When you apply to college, you’re going to run across some unfamiliar financial aid terms. FAFSA, Pell grants, subsidized loans and unsubsidized loans, it’s enough to make your head spin!  

To help you make sense of it all, we’ve put together this list with some of the most common financial aid terms you’ll run across.  

Term: FAFSA (Free Application for Federal Student Aid) 

Definition: The U.S. Department of Education form that you and your family complete to determine if you’re eligible for federal student aid, including grants, loans, scholarships and work-study programs. University of the Pacific and the state of California also use FAFSA information to award additional aid for eligible students.  

Term: Need-based aid

Definition: Financial aid offered based on a demonstrated financial need, determined by FAFSA information. 

Term: Merit-based aid 

Definition: Financial aid offered based on a student’s achievements, such as academic performance, leadership, artistic talent or athletics. 

Term: Grants 

Definition: Money for college that you don’t need to repay. Grants are usually awarded based on financial need demonstrated in your application.  

Term: Pell Grant 

Definition: A federal grant offered to undergraduate students with exceptional financial need. It does not have to be repaid.  

Term: Cal Grant 

Definition: A California-specific grant offered to low- and middle-income students who meet certain eligibility requirements, attend qualifying schools and submit FAFSA or a California Dream Act application. To be considered for a Cal Grant at Pacific, your high school or community college needs to submit a Cal Grant GPA Verification Form. 

Term: Scholarships 

Definition: Similar to grants, scholarships also do not need to be repaid. They are often offered based on merit (such as academic or athletic achievement) but can also be given based on need or other criteria.  

You can find scholarships through your college applications, but you may also be eligible for scholarships offered by outside sources.  

Term: Federal Work-Study 

Definition: A program that funds part-time job opportunities for students with financial need, helping them work to pay for educational expenses.  

Term: Subsidized loan 

Definition: A federal student loan where the government pays the interest when you are enrolled in school (at a minimum of half-time) and for the first six months after you leave school. These are offered based on demonstrated financial need.  

Term: Unsubsidized loan 

Definition: A federal student loan where you’re responsible for all interest, which starts accumulating while you’re in school. Unlike subsidized loans, you do not need to demonstrate financial need.  

Term: Parent PLUS loan 

Definition: A federal loan that your parent or guardian can borrow to help you pay for college. To qualify for this loan, your parent or guardian must meet eligibility requirements and not have an adverse credit history.

Term: Private loans 

Definition: Loans from banks, credit unions or other private lenders that you can use to pay for college. These usually have higher interest rates than federal loans and may be less flexible with repayment than federal loans. 

Term: CSS Profile 

Definition: An online application that some universities use to offer institutional aid (financial aid offered directly by a college). Pacific does not accept the CSS Profile.  

Term: Cost of Attendance (COA) 

Definition: The total estimated cost to attend a university for one school year. This amount includes tuition, fees, food and housing, books, supplies, transportation and some personal expenses. 

Term: Net Price 

Definition: The cost you pay to attend college after subtracting the amount covered by grants, scholarships and other aid. 

Term: Expected Family Contribution (EFC) 

Definition: This has been supplanted by the Student Aid Index starting with the 2024-2025 FAFSA.  

The EFC is an indicator of the financial strength of a student’s household and a tool to determine need-based aid eligibility. The amount is calculating using provided FAFSA information about family income, assets and household details 

Term: Student Aid Index (SAI) 

Definition: The updated version of the EFC, starting with the 2024-25 FAFSA. The SAI is used to determine how much financial support you may need.  

Term: Offer letter or award letter 

Definition: The document a college sends you to explain what financial support you’re eligible to receive. It may list grants, scholarships, work-study and loans based on your eligibility.  

Term: Verification 

Definition: When a college asks you to provide documentation to confirm information provided on your FAFSA. Not all students are selected for verification. Verifying your information is a routine process and doesn’t necessarily mean that you’ve made a mistake.  

Term: Satisfactory Academic Progress (SAP) 

Definition: The requirement that students maintain a certain GPA and complete enough credits each year to keep receiving financial aid. To meet this requirement, Pacific students must maintain a cumulative 2.0 GPA and pass 67% of all units attempted. 

Term: Disbursement 

Definition: When financial aid funds are paid to your college to cover costs like tuition, fees and on-campus housing and food. Any remaining funds are refunded to you to use on other educational expenses. 

Admitted Student Day is more than just a campus tour; it’s your chance to get to know Pacific. You will get a look inside classrooms, meet our professors and tour campus housing.  

“I think what will stand out the most to students is the opportunity to meet with current, specific students and faculty face to face, ask them their questions and get a feeling for what it is like to be a Pacific Tiger,” said Andew Merenda, director of campus visits and events. “I think many students will walk away with a positive impression of the university and will be able to picture themselves here.” 

Here’s a quick guide to help you make the most of the day. 

Morning activities

Plan to arrive early for Admitted Student Day to get acquainted with our beautiful campus. Check-in opens at 8:15 a.m. at Burns Tower, located at the university’s Pacific Avenue entrance. 

Early birds can enjoy a complimentary breakfast. Free parking is available all day. Enter the campus from the Pacific Avenue entrance and follow the signs that direct you to our parking lots. Knoles Lawn, located behind Burns Tower, will be the central gathering place for the day’s events, including the Presidential Welcome, lunch, information booths and the closing reception. 

Beginning at 9 a.m., our Tiger Team will be on hand to guide you on campus and housing tours that will depart from Burns Tower every 15 minutes. A special information session for transfer students will also be offered. 

Must-see events 

Academic previews and special interest sessions will begin at 11 a.m. There will be a second set of sessions in the afternoon.  These previews will allow you to step into classrooms and talk with professors about what you can expect in your major. 

The special interest sessions offer a closer look at Pacific’s support offerings like Career Services and academic tutoring and provide opportunities to meet with Residential Life and about the next steps for housing.  

 You can also join the Office of Financial Aid for a presentation to help you better understand your financial aid options and for an opportunity to get your questions answered. 

Sample questions you can ask current students 

Make the most of your visit to Pacific by being curious, exploring all the opportunities available and asking questions of current students. Don’t be shy! You can also ask our Tiger Team members anything. They’ll be wearing orange polos and are ready to assist you throughout the day. 

Campus life questions: 

• What’s the social scene like on campus?  

• What are some must-join clubs or organizations?  

• How do students usually spend their weekends?  

• What’s the food like in the dining halls?  

• Any favorite spots? 

• What’s it like living in the residence halls? 

Academic life questions: 

• What types of opportunities do departments offer that you can take advantage of as a student? 

• How can you get support finding an internship or connecting with research opportunities? 

• What do you like most about your major or classes at Pacific?  

• How accessible and helpful are the professors?  

• What is your favorite class so far, and why?  

• How does academic advising work here?  

• Are there good resources for tutoring or academic help? 

• What are ways that you can get more involved as a student? 

Celebrate your decision!  

When you confirm your enrollment during Admitted Student Day, you’ll get to ring the iconic Burns Tower bells for all to hear. 

“After ringing the bell, confirmed students will then step into the 360-photo booth where orange and black confetti will rain down on them as we capture the thrill and excitement of this unforgettable moment,” Merenda said. 

Plus, you’ll get a voucher to pick up some Pacific spirit gear at the University Bookstore, located in the DeRosa University Center.  

If you haven’t registered yet, check your email for your invitation and the registration link.

If you have any questions before the event, contact Andrew Merenda, Director of Campus Visit Programs and Events, at amerenda@pacific.edu or 209.932.2835.