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Whether you’re about to embark on the Dugoni accelerated DDS program, halfway through your undergraduate career, or in one of the many other graduate programs offered by the University of the Pacific (UOP), it’s worth taking a minute to figure out how to pay for your education there.

Depending on which program you’re a part of, you could find yourself at one of three different campuses across Northern California, so be sure to take into account not just the cost of your program, but the cost of living in your new city.

How much does it cost to attend UOP?

For the 2016-2017 academic school year, UOP undergraduates will pay $44,688 in tuition and fees. Total costs are estimated to be $61,965 but keep in mind that this will vary based on your living situation, meal plan, and personal expenses.

UOP does not have a medical or business school, but is highly ranked in dentistry and offers JD, PharmD, and a number of other graduate programs. PharmD tuition depends on the year in school, as the first two years are three trimesters ($76,562 in the 2016-2017 academic year) while the third is two trimesters ($49,028). Total expenses are estimated to be $94,001 for the first two years and $61,886 for the third.

McGeorge School of Law, located in Sacramento and therefore separate from the main UOP facility in Stockton, costs an estimated $52,830 in tuition for day students and ranges from $39,510 to $44,580 for evening students. Additional expenses like housing and food are estimated to cost $21,744 per year.

The Arthur A. Dugoni School of Dentistry is also separate from the Stockton campus, located in downtown San Francisco. The DDS program lasts for three years, which is distinct from the typical 4-year DDS program and also means tuition is higher per year. For the 2016-2017 academic year, students will pay $104,585. In addition, students will need to pay a number of other significant fees, such as $11,935 for a “student doctoral kit”. Other expenses are estimated to total around $30,000 for the year – particularly high given living costs in San Francisco.

What kind of financial aid does UOP offer?

UOP offers a number of undergraduate scholarships – both those for which students are automatically considered and others that require a separate application. Transfer students have a unique set of scholarships separate from freshman scholarships.

The Regent’s, President’s, Provost’s, Dean’s, and Pacific Scholarships are all merit-based, do not require submission of the FAFSA, are awarded in amounts of from $2,000 to $10,000 per year, and can be renewed for up to four years (of five years for Engineering students). Scholarships that require a special application are available to cover more expenses and may include aspects beyond financial assistance.

The Powell Scholar Program, for example, gives students special access to funds for research and travel, as well as opportunities to conduct research, study abroad, and receive mentoring and leadership development not available to every student. Whether you’re a transfer or not, research the scholarships available to you and be sure to apply for any you’re eligible for.

Pharm D. students are unfortunately eligible for only small academic scholarships from UOP, ranging from $100 to $5,000 per year. McGeorge law students have more options, with scholarships for both first-year for continuing students. First-year students will be considered for scholarships based on their application materials. A large number of endowed scholarships exist for continuing students – criteria for these scholarships range from financial need to your chosen career trajectory.

Admitted DDS students will be considered for institutional scholarships based on their admission application. The school also urges students to research external scholarships through local civic organizations and community agencies. If students have an interest in serving in the military or areas with health care shortages after graduating, they should also look into Commitment Service Scholarships. To fund the remaining costs of the DDS program, students should look into federal and private loans, as well as Health Professions Student Loans, which are preferable because they do not charge interest while in school – but are only awarded to those students who demonstrate appropriate financial need.

What kinds of extras should I expect to pay for at UOP?

Your expenses outside of tuition and housing will depend partially on which UOP campus you’ll be attending. At Dugoni School of Dentistry, for example, you’ll be living in one of the most expensive cities in the country, so expenses like housing, dining out, and entertainment will likely total more than they would in Stockton or Sacramento. That said, you’ll likely save on transportation, as many residents of San Francisco find it easy to go without a car. In Sacramento or Stockton, on the other hand, you’ll probably want a car, and while parking is free on campus, the many other expenses associated with car ownership can add up quickly.

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