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Earnest student loans help UOP Tigers earn their stripes

Boasting the oldest university charter in California, the University of the Pacific now trains some of the West Coast’s best dentists, pharmacists, and lawyers. Earnest helps UOP students and grads finance their education with smart, affordable student loans. Please note, the University of the Pacific is not affiliated with Earnest and does not endorse Earnest's loans.


An enriching college experience in Northern California

Small class sizes and a dynamic cultural environment

UOP’s picturesque main campus is located in Stockton, CA and features 14 intramural sports clubs, a 32′ tall rock-climbing tower, Morris Chapel, and the popular DeRosa University Center (DUC). The university counts among its esteemed alumni baseball superagent Scott Boras and championship-winning NFL coach Pete Carroll.

Spread across the Capitol Corridor, UOP’s competitive professional programs include the Dugoni School of Dentistry (DDS) in San Francisco, or the McGeorge School of Law (JD) in Sacramento, and the Thomas J. Long School of Pharmacy (PharmD) in Stockton.

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Tigers of all stripes save big

Earnest student loans and student loan refinancing

University of the Pacific Alumni
Earnest simplifies student loan management by providing UOP grads with a seamless consolidation and refinancing experience. You are offered competitive rates based on your unique financial profile, plus the ability to customize your payments to your preferred budget and timeline. No matter where your UOP education leads you—we want to save you money along the way.

University of the Pacific Students
Pacific is committed to breaking down financial barriersㅡaround 84% of students receive financial aid, averaging over $26,000. We encourage you to contact the University of the Pacific Office of Financial Aid to learn more about UOP scholarships, grants, jobs, and other ways to ensure you leave Stockton with new wisdom, friendships, and memories—not student debt.

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Behind the scenes of UOP student loan refinancing

Get the facts before making any decisions

How should I choose a student loan refinancing provider?

When comparing loans, take into account the rates you’re offered, as well as factors like flexibility and customer service from the loan provider. Many companies will outsource your loan servicing.

Which type of loans can I refinance?

You can refinance both Federal and private student loans with Earnest. You’ll effectively consolidate all your loans into one new, lower rate Earnest loan.

What are the benefits of refinancing my student loan(s)?

Many people are able to refinance into much lower interest rates, saving them thousands, if not tens of thousands, of dollars. In addition, Earnest offers in-house support for the life of your loan and a seamless technology platform to manage your loan.

Can I refinance loans that have previously been consolidated or refinanced?

Yes. Previous refinancing or consolidation does not affect the eligibility of your application.

Who should consider refinancing with Earnest?

Refinancing is a great solution for employed or soon-to-be-employed graduates who have high-interest, unsubsidized Direct Loans, Graduate PLUS loans, and/or private loans.

What is the difference between consolidation and refinancing?

Consolidation simply combines multiple student loans into one. That means one monthly payment instead of having to juggle many different ones, sometimes with multiple servicers. When you consolidate, your interest rate will be a weighted average of the interest rates on the loans you combine. You won’t save money— but it can make life easier by reducing the amount of time you spend managing different payments.

Refinancing can be done with one loan or several, and involves getting a new loan with a different (usually lower) rate than before, due to changes in your financial situation. When you refinance, you typically work with a company to pay off the original loan(s) and get a new unified loan at a lower rate.

Recommended reading for UOP students

Stay ahead of the curve with these resources

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Refinancing is easier with Earnest

Rather than looking at student loans as a ball and chain, we see them as a balloon—lifting students to new heights, and enabling incredible opportunities and achievements. Through innovative data science we make that balloon as light as possible, saving clients thousands on every loan. And with exceptional service, we ensure our clients make decisions with confidence. At Earnest, we seek to offer a student loan like no other.