College ROI

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University of the Pacific

Stockton, CA 3,204 Undergrads 74.7% Grad Rate
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Total Cost
$71,515
Sticker Price
Avg Net Price
$25,447
After Aid
Median Earnings
$81,820
4yr Post-Grad

Vs. Peer Institutions

Net Price$25,447
Peer Midpoint: $20,081
Earnings (4yr Post-Grad)Completers only after graduation
$81,820
Peer Midpoint: $60,428
Earnings (10yr Post-Enroll)All enrolled after enrollment
$78,445
Peer Midpoint: $53,763
Graduation Rate74.7%
Peer Midpoint: 58.9%
Average Starting Age20.9
Socio-Economic Diversity
Pell Grant Recipients35.6%
Enrollment Status
Full-Time97.5%
Economic Outcomes
Earn More than HS82.4%

Admissions Profile

Acceptance
71.3%
SAT Avg
1,346
SAT Reading
25th: 59062075th: 710
SAT Math
25th: 59363075th: 770
ACT Composite
25th: 232875th: 32

ROI Sensitivity Analysis
Assuming 4 Years to Graduation

This analysis tests three cost scenarios (Scholarship, Average Net Price, Full Sticker Price) to show how college costs impact your long-term return compared to the average student and a high school graduate.

Lifetime Value Added (NPV)

Institution Lifetime NPV
Vs Median Peer
Vs HS Grad
Zero Cost (Scholarship)$0
+$704k
+$237k
+$220k
Median Cost$25k/yr
+$613k
+$146k
+$128k
Full Cost$72k/yr
+$447k
-$20k
-$38k

ROI Efficiency Metrics

Break-Even Age
Return on Inv. %
Zero Cost (Scholarship)$0
28
∞
Median Cost$25k/yr
35
140%
Full Cost$72k/yr
Never
-15%
Analysis Assumptions:
  • Starting Salary: Estimated from the 4-year post-graduation median earnings (assuming 2% annual growth from graduation).
  • Comparisons: "Vs Median Peer" compares to the median student nationwide in a similar level program. "Vs HS Grad" compares to a median high school graduate.
  • Break-Even: The age at which the college investment net income exceeds the median high school graduate's lifetime earnings.
  • NPV: Net Present Value of all future earnings minus costs and taxes, discounted at 7.8%.

Social Impact ROINew

Measures the societal return on a donor's investment. Calculated as the incremental pre-tax lifetime earnings vs. HS grad, divided by the tax-adjusted donation cost.

Donor Return64%

Gov. Pell Grant ROINew

Measures the government's return on Pell Grants via increased tax revenue. Calculated as the portion of incremental lifetime taxes (discounted at 5.4%) attributed to the Pell Grant investment.

Taxpayer Return-45%
Important Note: Your ROI with any major will depend on the cost you pay to attend the program, and your starting salary. Both vary significantly across institutions. We encourage you to explore the ROI of a specific program variant by selecting the Program title of the credential level you are interested in. You will then have a more detailed return analysis for programs at specific institutions. We also encourage you to use the ROI calculator, or for more sophisticated analysis, the Guided ROI Interview, with your specific estimates of cost and salary.

Program ROI Analysis

Bachelor's Degrees

Median Debt
-
Earnings (4yr)
-
Natl Median: $70,786
Lifetime Value Added
N/A
Applied Mathematics
BachCIP: 2703
Median Debt
-
Earnings (4yr)
-
Natl Median: $91,532
Lifetime Value Added
N/A
Area Studies
BachCIP: 0501
Median Debt
-
Earnings (2yr)
$44,384
Natl Median: $56,625
Lifetime Value Added
-$155k
Arts, Entertainment, and Media Management
BachCIP: 5010
Median Debt
-
Earnings (4yr)
-
Natl Median: $48,240
Lifetime Value Added
N/A
Median Debt
$25,313
Earnings (5yr)
$66,272
Natl Median: $65,466
Lifetime Value Added
-$863
Biology, General
BachCIP: 2601
Median Debt
$21,500
Earnings (4yr)
$83,012
Natl Median: $57,214
Lifetime Value Added
+$137k
Median Debt
$22,750
Earnings (2yr)
$33,993
Natl Median: $93,451
Lifetime Value Added
-$247k
Median Debt
$19,500
Earnings (4yr)
$76,025
Natl Median: $68,257
Lifetime Value Added
+$84k
Chemistry
BachCIP: 4005
Median Debt
-
Earnings (4yr)
-
Natl Median: $65,120
Lifetime Value Added
N/A
Civil Engineering
BachCIP: 1408
Median Debt
$27,000
Earnings (4yr)
$90,510
Natl Median: $86,517
Lifetime Value Added
+$195k
Median Debt
$18,500
Earnings (4yr)
$60,666
Natl Median: $56,359
Lifetime Value Added
-$35k
Median Debt
$16,684
Earnings (4yr)
$77,549
Natl Median: $58,928
Lifetime Value Added
+$96k
Median Debt
-
Earnings (5yr)
$135,717
Natl Median: $109,015
Lifetime Value Added
+$517k
Computer Science
BachCIP: 1107
Median Debt
$23,000
Earnings (4yr)
$147,511
Natl Median: $107,009
Lifetime Value Added
+$626k
Median Debt
-
Earnings (4yr)
$86,150
Natl Median: $68,061
Lifetime Value Added
+$161k
Median Debt
-
Earnings (4yr)
-
Natl Median: $51,490
Lifetime Value Added
N/A
Median Debt
-
Earnings (4yr)
-
Natl Median: $39,775
Lifetime Value Added
N/A
Median Debt
-
Earnings (4yr)
-
Natl Median: $51,642
Lifetime Value Added
N/A
Economics
BachCIP: 4506
Median Debt
-
Earnings (4yr)
$79,510
Natl Median: $82,686
Lifetime Value Added
+$111k
Median Debt
-
Earnings (4yr)
-
Natl Median: $100,647
Lifetime Value Added
N/A
Engineering Physics
BachCIP: 1412
Median Debt
-
Earnings (4yr)
-
Natl Median: $89,154
Lifetime Value Added
N/A
Median Debt
-
Earnings (4yr)
$92,718
Natl Median: $89,619
Lifetime Value Added
+$211k
Median Debt
-
Earnings (5yr)
$109,111
Natl Median: $89,359
Lifetime Value Added
+$320k
Median Debt
-
Earnings (5yr)
$56,973
Natl Median: $48,590
Lifetime Value Added
-$74k
Median Debt
-
Earnings (4yr)
-
Natl Median: $43,765
Lifetime Value Added
N/A
Median Debt
-
Earnings (4yr)
-
Natl Median: $41,367
Lifetime Value Added
N/A
Median Debt
-
Earnings (4yr)
-
Natl Median: $60,190
Lifetime Value Added
N/A
Median Debt
-
Earnings (4yr)
-
Natl Median: $61,911
Lifetime Value Added
N/A
History
BachCIP: 5401
Median Debt
-
Earnings (4yr)
-
Natl Median: $50,680
Lifetime Value Added
N/A
Median Debt
$28,125
Earnings (4yr)
$75,444
Natl Median: $68,069
Lifetime Value Added
+$80k
Median Debt
-
Earnings (4yr)
-
Natl Median: $53,072
Lifetime Value Added
N/A
Mathematics
BachCIP: 2701
Median Debt
-
Earnings (4yr)
-
Natl Median: $69,562
Lifetime Value Added
N/A
Median Debt
$28,000
Earnings (4yr)
$99,573
Natl Median: $92,135
Lifetime Value Added
+$264k
Median Debt
$15,500
Earnings (4yr)
$171,261
Natl Median: $55,693
Lifetime Value Added
+$804k
Music
BachCIP: 5009
Median Debt
$26,017
Earnings (4yr)
$43,093
Natl Median: $42,892
Lifetime Value Added
-$181k
Median Debt
-
Earnings (4yr)
-
Natl Median: $55,012
Lifetime Value Added
N/A
Philosophy
BachCIP: 3801
Median Debt
-
Earnings (4yr)
-
Natl Median: $54,455
Lifetime Value Added
N/A
Physics
BachCIP: 4008
Median Debt
-
Earnings (4yr)
-
Natl Median: $76,786
Lifetime Value Added
N/A
Median Debt
-
Earnings (4yr)
$50,827
Natl Median: $63,293
Lifetime Value Added
-$115k
Psychology, General
BachCIP: 4201
Median Debt
$24,000
Earnings (4yr)
$52,612
Natl Median: $50,706
Lifetime Value Added
-$101k
Median Debt
-
Earnings (4yr)
-
Natl Median: $55,792
Lifetime Value Added
N/A
Median Debt
-
Earnings (4yr)
-
Natl Median: $41,390
Lifetime Value Added
N/A
Median Debt
$23,500
Earnings (4yr)
$61,487
Natl Median: $55,000
Lifetime Value Added
-$28k
Median Debt
-
Earnings (4yr)
-
Natl Median: $53,366
Lifetime Value Added
N/A
Sociology
BachCIP: 4511
Median Debt
$25,000
Earnings (4yr)
$58,275
Natl Median: $52,657
Lifetime Value Added
-$54k
Sports, Kinesiology, and Physical Education/Fitness
BachCIP: 3105
Median Debt
$19,500
Earnings (4yr)
$59,012
Natl Median: $54,562
Lifetime Value Added
-$48k
Median Debt
$22,650
Earnings (4yr)
$69,342
Natl Median: $47,382
Lifetime Value Added
+$33k
Median Debt
-
Earnings (4yr)
-
Natl Median: $51,389
Lifetime Value Added
N/A

Master's Degrees

Median Debt
-
Earnings (4yr)
-
Natl Median: $235,700
Lifetime Value Added
N/A
Median Debt
$183,850
Earnings (4yr)
$162,982
Natl Median: $127,347
Lifetime Value Added
+$739k
Biology, General
MastCIP: 2601
Median Debt
-
Earnings (4yr)
-
Natl Median: $69,830
Lifetime Value Added
N/A
Median Debt
-
Earnings (4yr)
$91,865
Natl Median: $103,485
Lifetime Value Added
+$122k
Median Debt
-
Earnings (4yr)
-
Natl Median: $65,184
Lifetime Value Added
N/A
Median Debt
-
Earnings (4yr)
-
Natl Median: $71,953
Lifetime Value Added
N/A
Median Debt
$102,839
Earnings (4yr)
$95,081
Natl Median: $67,030
Lifetime Value Added
+$150k
Median Debt
-
Earnings (4yr)
-
Natl Median: $138,757
Lifetime Value Added
N/A
Median Debt
$29,182
Earnings (4yr)
$71,126
Natl Median: $63,399
Lifetime Value Added
-$60k
Dentistry
MastCIP: 5104
Median Debt
-
Earnings (4yr)
-
Natl Median: $327,492
Lifetime Value Added
N/A
Education, General
MastCIP: 1301
Median Debt
-
Earnings (4yr)
-
Natl Median: $65,824
Lifetime Value Added
N/A
Median Debt
$33,346
Earnings (4yr)
$82,005
Natl Median: $71,685
Lifetime Value Added
+$36k
Median Debt
-
Earnings (4yr)
-
Natl Median: $133,654
Lifetime Value Added
N/A
Median Debt
-
Earnings (4yr)
$123,810
Natl Median: $120,215
Lifetime Value Added
+$401k
Median Debt
-
Earnings (4yr)
-
Natl Median: $66,523
Lifetime Value Added
N/A
Median Debt
-
Earnings (4yr)
-
Natl Median: $95,627
Lifetime Value Added
N/A
Median Debt
$41,000
Earnings (4yr)
$87,881
Natl Median: $101,000
Lifetime Value Added
+$87k
Median Debt
-
Earnings (4yr)
-
Natl Median: $129,214
Lifetime Value Added
N/A
Psychology, General
MastCIP: 4201
Median Debt
-
Earnings (4yr)
-
Natl Median: $64,711
Lifetime Value Added
N/A
Median Debt
$45,850
Earnings (4yr)
$84,392
Natl Median: $81,408
Lifetime Value Added
+$57k
Median Debt
-
Earnings (4yr)
-
Natl Median: $93,020
Lifetime Value Added
N/A
Median Debt
-
Earnings (4yr)
-
Natl Median: $71,416
Lifetime Value Added
N/A
Sports, Kinesiology, and Physical Education/Fitness
MastCIP: 3105
Median Debt
-
Earnings (4yr)
-
Natl Median: $62,033
Lifetime Value Added
N/A
Median Debt
-
Earnings (4yr)
-
Natl Median: $63,707
Lifetime Value Added
N/A

Doctoral Degrees

Median Debt
$94,868
Earnings (4yr)
$100,222
Natl Median: $99,878
Lifetime Value Added
+$4k
Median Debt
-
Earnings (4yr)
-
Natl Median: $83,031
Lifetime Value Added
N/A
Median Debt
-
Earnings (4yr)
-
Natl Median: $100,573
Lifetime Value Added
N/A
Median Debt
-
Earnings (4yr)
-
Natl Median: $136,696
Lifetime Value Added
N/A

Professional Degrees

Median Debt
$186,962
Earnings (4yr)
-
Natl Median: $85,242
Lifetime Value Added
N/A
Dentistry
ProfCIP: 5104
Median Debt
$349,063
Earnings (4yr)
$156,198
Natl Median: $170,812
Lifetime Value Added
+$417k
Law
ProfCIP: 2201
Median Debt
$147,082
Earnings (4yr)
$114,281
Natl Median: $107,773
Lifetime Value Added
+$109k
Median Debt
$227,653
Earnings (4yr)
$170,067
Natl Median: $138,348
Lifetime Value Added
+$519k
Median Debt
$179,474
Earnings (4yr)
$96,221
Natl Median: $81,641
Lifetime Value Added
-$25k

Other Programs

Median Debt
-
Earnings (4yr)
-
Natl Median: $57,802
Lifetime Value Added
N/A

Note: Lifetime Value Added is the Net Present Value (NPV) of estimated career earnings relative to a median high school graduate (for undergraduate programs) or a median bachelor's degree holder (for graduate programs), accounting for this institution's average cost and taxes. Computed over a career to retirement age.

For graduate programs (Master's, Doctoral, etc.), the calculation assumes a starting age of 22 (after undergraduate completion) and does not include the sunk costs of prior degrees. It represents the value added of the graduate decision moving forward. Note that the institution's average undergraduate net price is used as a proxy for annual cost, which may differ from actual graduate tuition. These Lifetime Value Added results for graduate degrees should not be compared with those for Undergraduate Certificates, Associates or Bachelors.

Completers Only: Federal median earnings data strictly reflects outcomes for students who successfully graduated. Students who do not complete their degree typically earn significantly less and face higher risks of debt default.