Annual Costs

Undergraduate Tuition

Tuition for Pacific Union College is $28,839 for the 2017/2018 academic year. This is 4% more expensive than the national average private non-profit four year college tuition of $27,755. The cost is 23% more expensive than the average California tuition of $23,377 for 4 year colleges. Tuition ranks 87th in California amongst 4 year colleges for affordability and is the 58th most expensive 4 year college in the state. Price does not vary by residence.

The school charges an additional fees of $630 in addition to tuition bringing the total effective in-state tuition to $29,469.

Housing Costs

On campus room and board is provided by the school at a cost of $8,148 per academic year. Students electing to live off campus elsewhere in Angwin should budget at least this amount.

Books and Supplies

The estimated annual cost for books and supplies is $1,854.

Other Living Expenses

If living on-campus, students should budget for $3,240 in additional living expenses. Off-campus students should budget for $4,239 in other miscellaneous living expenses.

Total Costs

The annual tuition and living expense budget to go to PUC was $42,711 for the 2017/2018 academic year. The cost is the same for all students regardless of California residence status as there is no in-state discount.

Citation: Price data from the U.S. Department of Education's 2017-2018 and 2016-2017 IPEDS survey response for Pacific Union College and represent reported costs for the 2016-2017 and 2015-2016 academic years.

Costs and Tuition for Pacific Union College
Estimated Budgets
California Resident Total Budget $42,711
   In-State Tuition$28,839
   Other Fees$630
   Room and Board$8,148
   On-Campus Other Budget$3,240
   Books and Supplies$1,854
Non-Resident Total Budget $42,711
   Out-of-State Tuition$28,839
   Other Fees$630
   Room and Board$8,148
   On-Campus Other Budget$3,240
   Books and Supplies$1,854


What it Really Costs

Depending on many factors including student and parent income and assets, the total cost of attendance may be less than the $42,711 published price if scholarship or grant aid is made available to you.

Net Price

The net out-of-pocket total cost you end up paying or financing though student loans is known as the net price. The reported PUC net price for in-state students is $22,738* for the 2014/2015 academic year. This net price includes housing and meal expenses.

Pell Grants and other Grant Aid

100% of Pacific Union College students received grant aid in 2014/2015. The average total aid amount was $16,826. 46 percent of students received aid in the form of Pell Grants from the U.S. Federal Government. The average Pell Grant awarded for 2014/2015 was $4,605. To apply for a Pell Grant to attend Pacific Union College, the first step is to fill out the Free Application for Federal Student Aid (FAFSA).

Net Price and Financial Aid for Pacific Union College
Financial Aid Summary
Average Annual Net Price$22,738*
Percent of Students Receiving Grant Aid100%
Average Total Grant Aid$16,826
Percent of Students Receiving Pell Grants46%
Average Amount of Pell Grant Aid$4,605

Average Net Price by Family Income

The average net total cost of attendance for different levels of family income after federal, state or local government, institutional grant and scholarship aid are awarded. Data last published for the 2014/2015 academic year.

Family Income Avg. Net Price
$0 to $30,000$17,658
$30,001 to $48,000$17,541
$48,001 to $75,000$20,236
$75,001 to $110,000$22,926

Average Financial Aid Mix - $42,711 In-State Total Cost

CollegeCalc has estimated typical coverage of the annual in-state tuition and living expenses of $42,711. Breakdown is based on average grant aid and federal loan aid which will vary based on your family income.


Grants and Scholarships

 43% - $16,826

Money granted to you by the U.S. Department of Education, Pacific Union College or other organizations. These are not loans and do not need to be repaid.

Federal Loans

 18% - $7,226

Low interest student loans funded by the U.S. Department of Education. This amount will need to be repaid.

Out of Pocket

 39% -  $15,419

Covered by family savings, work or private student loans which you will have to repay.

*Reported Average Annual Net Price for students receiving grant or scholarship aid reported to the U.S. Department of Education's Academic Year 2014-2015 IPEDS Survey. Financial aid is only available to those who qualify. Consult this school's net price calculator for further understanding of your potential net price.

Note that for colleges with no reported on-campus room and board, the average net price has been increased to account for living expenses. This number may not only reflect the net price paid to the school for tuition.

Tuition Comparison to Similar Private Colleges in the Region

School Cost vs. Pacific Union College
Saint Marys College of California57.9% more expensive
Menlo College40.9% more expensive
The Master's College and Seminary13% more expensive
Woodbury University29.8% more expensive
Whittier College58.5% more expensive

Cost of a Degree

When considering ability to pay for college, the annual cost is often discussed but it's the "all in" multi-year degree cost which matters in the end. Let's take a look at what it could really cost for four years at Pacific Union College.

Estimated 4 Year Cost at Published Tuition

At the current published rates, an estimated total tuition, fees and living expense price for a 4 year bachelor's degree at PUC is $170,844 for students graduating in normal time. This methodology for estimating the 4 year cost is a straight multiple of the most recent reported annual total cost and does not factor in tuition increases during the time you're in school. It also assumes you receive no grant or scholarship aid and pay the full list price.

A potentially more accurate but less conservative estimate of a degree cost can be made by using the school's annual $23,792 in-state net price as the basis. Applying this cost over 4 would estimate the cost of a degree at $95,168**

If you end up on the "five year plan" and need an additional year to graduate, your five year cost could be as high as $213,555 or $118,960 using an average net price.

**Based on a 4 year multiple of Average Annual Net Price for students receiving grant or scholarship aid reported to the U.S. Department of Education's 2014-2015 IPEDS Survey. Financial aid is only available to those who qualify. Consult this school's net price calculator for further understanding of your potential net price.

Other Costs

Cost Per Credit Hour and Cost for a Class

Some schools offer the ability to take single classes by paying on a per credit hour basis. The reported price per credit hour and estimated cost for one class at Pacific Union College are as follows. Per credit costs are for reference only as many schools will not allow students to pay by credit hour.

Cost per credit hour and per class at Pacific Union College
Price per credit hour$834
Cost for one class (3 credit hours)$2,502
Cost for one class (4 credit hours)$3,336


Student Loans and Debt

The second consideration after understanding the cost of college is determining how to finance it. Some students are fortunate enough to have some form of family financial assistance, but student loans end up financing a significant portion of higher education in the U.S. 78% of Pacific Union College students receive U.S. Federal Student Loans with an average annual Federal Loan aid amount of $7,226. The reported average student debt upon graduation is $42,153.

Example Loan Payments and Costs

How much are student loan payments for Pacific Union College? Obviously this varies based on a number of factors - offsetting financial aid you receive, percentage of fee you pay upfront while enrolled and the interest rate on your loans. We've modeled a sample student loan based on current Stafford loan rates to give you an approximate idea.

The following are the costs for a loan if you borrowed $95,168, 100% of the estimated average net price for a four year program and paid nothing while enrolled. The total of all payments including interest would sum $118,081.66. This could be your effective total out of pocket cost of an education at Pacific Union College. Note that this calculation assumes you don't pay full list price tuition, are part of the reported 100% of students at this school who receive financial aid and you are paying an average annual net price of $23,792. If you do not financially qualify for a reduced net price, your student loan payments could be significantly higher than this example. Use our Pacific Union College student loan calculator below to change loan assumptions and recalculate.

Student loans are not free money and must be repaid. You cannot dismiss student loans by via bankruptcy.

Pacific Union College Student Loan Payments
Example Payments
Monthly Loan Payment$984.01
Amount Borrowed$95,168.00
Interest Rate4.5%
Term10 years
Number of Monthly Payments120
Total Interest Cost$22,913.66
Sum of All Payments over 10 years$118,081.66

Affording Student Loan Payments and Post Graduation Salary

Can I afford to attend PUC? In the end, the answer comes down a determination if you will earn enough to comfortably pay back a student loan with your post graduation salary. This is an extremely important point to consider. In order to afford student loan payments and still meet all your other costs of living, it is recommended not to borrow more than you can pay back using 10% of your monthly income earned after graduation. If you're considering attending Pacific Union College, you need to carefully consider if it will be realistic to make the post graduation loan payments based on your expected salary.

Using the 10% of salary threshold, an annual income of $118,081.66 would be needed to afford a $984.01 monthly payment in the example $95,168.00 loan modeled above. You will need to determine if it is at all realistic that you will be earning this type of salary after graduation. This assumes a loan payback over 10 years. You can change the terms of this example loan using the student loan calculator below.

Estimated Future Cost and Expected Tuition Increase

What will it cost to send your child to Pacific Union College in the future? In the past four years, this school's published in-state tuition and fee total rose from $25,740 to $28,839. This amounts to an average annual price increase of 2.4%. Nationally, university tuition prices are rising around 5% per year. Looking out five, ten, fifteen or eighteen years, these are CollegeCalc's estimates how much you could expect to pay for a 4 year degree assuming tuition increases at the national average rate. Estimated future prices are based on the current 4 year cost of $170,844.00. Use the college savings plan calculator below to perform a more comprehensive analysis on future costs and how much you will need to save for Pacific Union College.

Annual4 Year Degree
Estimated Cost in 5 years for students enrolling in 2024$58,738$234,950
Estimated Cost in 10 years for students enrolling in 2029$74,966$299,863
Estimated Cost in 15 years for students enrolling in 2034 $95,677$382,709
Estimated Cost in 18 years for students enrolling in 2037 $110,758$443,034

Tuition History

What was tuition at PUC five, ten, fifteen or twenty years ago? Hop into our time machine and take a look. Pay attention to how aggressive the school has been with price increases in the past as it provides indication as to how the school may raise tuition in the next few years. Historical tuition and fees for all available data years back to 1987 follows.

YearTuitionAnnual Increase

Comparable Cost for Popular Majors

We've compared the out of state cost of the most popular undergraduate areas of study at Pacific Union College to the national average for all other colleges offering the same major. Use this comparison to determine particular programs where this school offers value relative to other colleges.

Area of Study Graduates vs National Avg
Registered Nursing/Registered Nurse Associate's Degree 89 112% costlier
Biology/Biological Sciences, General Bachelor's Degree 17 6% costlier
Social Work Bachelor's Degree 11 18% costlier
Biochemistry Bachelor's Degree 11 8% cheaper
Communication, General Bachelor's Degree 10 10% costlier
Early Childhood Education and Teaching Bachelor's Degree 7 23% costlier
Elementary Education and Teaching Bachelor's Degree 6 20% costlier
Emergency Medical Technology/Technician (EMT Paramedic) Associate's Degree 5 137% costlier
Health and Physical Education/Fitness, General Bachelor's Degree 5 18% costlier
Environmental Studies Bachelor's Degree 4 13% cheaper
Social Science Teacher Education Bachelor's Degree 4 35% costlier
Psychology, General Bachelor's Degree 4 6% costlier
Computer Science Bachelor's Degree 4 2% costlier
Chemistry, General Bachelor's Degree 3 3% costlier
Fine/Studio Arts, General Bachelor's Degree 3 1% cheaper
French Language and Literature Bachelor's Degree 3 7% cheaper
English Language and Literature, General Bachelor's Degree 2 6% costlier
Spanish Language and Literature Bachelor's Degree 2 1% cheaper
History, General Bachelor's Degree 2 4% costlier
Religion/Religious Studies Bachelor's Degree 2 10% cheaper
Music, General Associate's Degree 2 119% costlier
International and Intercultural Communication Bachelor's Degree 1 17% cheaper
Business/Commerce, General Associate's Degree 1 93% costlier
Cinematography and Film/Video Production Bachelor's Degree 1 0% costlier
Theology/Theological Studies Bachelor's Degree 1 10% costlier
Music Performance, General Bachelor's Degree 1 7% costlier
Graphic Design Bachelor's Degree 1 6% costlier
Biophysics Bachelor's Degree 1 22% cheaper
Photography Associate's Degree 1 95% costlier


Use the calculators below to formulate a college savings plan for Pacific Union College or model a student loan.

College Savings Calculator

Plan and Save for College

Discover how much will you need to start saving now to afford Pacific Union College in the future.

Student Loan Calculator

Estimate Loan Payments

Modify the loan assumptions to fit your financial situation and likely tuition price. Then calculate your payoff and loan payments for a Pacific Union College student loan.

Prepayment Option

About Pacific Union College

Pacific Union College is a four year private college located in Angwin, California.  The school is affiliated with the Seventh Day Adventists faith.  Full time enrollment is 1,288 and part time is 150.

Students attending this school may pursue both undergraduate and graduate degrees.

Pacific Union College
One Angwin Ave
Angwin, California

For Profit / Not For Profit Status

Pacific Union College is a private not for profit institution.

Pacific Union College cost and financial aid data source: U.S. Department of Education https://nces.ed.gov/collegenavigator/?id=120865 IPEDS survey data.