The University requires that all Student Accounts be paid in full. Any student account balance (referred to as Student Note Loan) that remains unpaid will be transferred to the Student Loan Department for servicing. Once the account is transferred, the Student Account Note will be entered into our loan system for billing and Credit Reporting on the defaulted debt.

The borrower will be responsible to pay all:

  • Principal, interest and late charges.
  • Credit Bureau reporting, legal actions and assignment to collection agencies.
  • Collection fees (up to 40%) and all legal fees associated with the collection of the debt.
  • All legal fees or costs associated with any bankruptcy

In accordance with California state law, all unpaid balances accrue 10% interest per month on the balance remaining as of the date of transfer. Students are responsible for all fees associated in the collection of the debt.

A student with a balance due to the university will not be allowed any benefits from the university including but not limited to:  

  • Registration for courses.  
  • Diplomas. 
  • Utilization of university housing and meals.

Your Student Note Loan balance must be paid in full to have these benefits reinstated. If you require access to these services immediately, payments must be by cash or cashier's check only.

Contact Student Loans Department

Phone: 209.946.2446
Fax: 209.946.2653

Finance Center, 1st Floor
3622 Stagg Way
Stockton, CA 95211

Mailing Address
University of the Pacific
Attn: Student Loans
3601 Pacific Ave
Stockton, CA 95211​​​​​​​

Office Hours
Monday through Friday from 8:30 a.m.–5 p.m.
Closed 12 p.m.–1 p.m. for lunch
Closed Thursday from 8:30 a.m.–9:30 a.m.