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Office of Financial Aid
Knoles Hall, 1st Floor
Mailing Address:
University of the Pacific
Office of Financial Aid
3601 Pacific Ave.
Stockton, CA 95211

Financial Literacy

Financial literacy is the ability to understand and analyze your finances and your financial opportunities, enabling you to participate more fully in the decisions you make by making informed choices. We want our students to have opportunities to be financially literate when they step onto campus, with the goal of producing graduates who are prepared to successfully handle the financial responsibilities of life. 


We are proud to support our students financial goals by partnering with SALT, a financial literacy program designed with you in mind. 

What Is Salt?

Salt is a nonprofit-backed program dedicated to helping you plan for, pay for, and repay the cost of your degree, while preparing you for a successful financial future.

Activating your Salt membership allows you to take advantage of members-only features, like:

  • Money management advice
  • Simple budgeting tool
  • Personalized student loan help from Salt's expert counselors
  • Ways to find free scholarship money to help pay for school
  • Salt Courses -a self-paced, online resource that teaches you practical money management strategies for budgeting, credit cards, banking and more
  • Access to thousands of jobs and internships to jumpstart your career    

Don't wait to join!  You can create your account at any time by visiting  

Be sure to sign up using your University of the Pacific email address to take advantage of these free resources.

Money Management 

Managing your money is just as important as you leave school as when you were attending. The following tips will help you manage your money so that you can meet your household expenses and keep making on-time loan payments.

  • Develop a realistic budget
  • Know your student loan rights and responsibilities
  • Make the most of your grace period
  • Pay the interest that accrues on your loans during periods when you aren't required to make loan payments
  • Understand and limit credit card use

Refer to the Direct Loan Exit Counseling Guide for additional Money Management tips.

Here are some free services that can help you gain a stronger understanding including understanding financial aid, loans, debt, costs and managing a budget:

  • 360 Degrees of Financial Literacy
    360 Degrees of Financial Literacy is a national volunteer effort of the nation's Certified Public Accountants to help Americans understand their personal finances and develop money management skills. It focuses on financial education as a lifelong endeavor-from children learning about the value of money to adults reaching a secure retirement.
  • California Debt Relief
    California Debt's mission is to connect people in debt to experienced relief specialists who can help remove stress, reduce debts and save money.
  • Get Rich Slowly
    Get Rich Slowly was recently named the most inspired financial blog by Money magazine and is devoted to personal finance. The author shares stories about debt elimination, saving money and practical investing. Readers will also find links to personal finance tools, articles, book reviews and software.
  • paybacksmarter
    A free website which explains how student loan repayment works, including calculators which explain in-depth how different repayment plans can impact your monthly payments and your total loan debt.
  • U.S. Financial Literacy and Education Commission is dedicated to teaching all Americans the basics about financial education. Whether you are planning to buy a home, balancing your checkbook, or investing in your 401k, the resources on can help you do it better. Throughout the site, you will find important information from 20 federal agencies government wide.