Additional External Resources

Search For A Scholarship

There are many sources of scholarship listings and databases available to students on the Internet. We recommend that you not pay for any search service. Learn more about scholarships and how to avoid scholarship scams. Here is a helpful guide for scholarship search engines when looking for additional financial resources. Pacifica is not responsible for the quality of information or services offered on the sites listed on this page and we do not endorse or support their products, policies or services.

External Financial Aid Resources

State Resources

Many states offer grants and/or other types of financial aid to their residents, availability varies. Contact the Department of Education in your state for information, or navigate the Department of Education’s web page at http://www2.ed.gov/about/contacts/state/index.html.

All states have created innovative college savings programs designed to meet the savings needs of their citizens. These programs seek to make the savings option easier for the average family. They represent positive, productive and affordable options that can ensure an education. For more information on the State sponsored savings plans log onto http://www.collegesavings.org/index.aspx.

Tribal Benefits:

Pacifica accepts tribal benefits. Several American Indian tribal nations provide tuition assistance for students who are recognized members. For additional information on tribal funding, please visit https://www.doi.gov/tribes/benefits.

Vocational Rehabilitation Benefits:

Pacifica’s programs are approved for individuals who are eligible for benefits administered by the Department of Rehabilitation. For more information visit the California State Vocational Rehabilitation website at http://www.dor.ca.gov. If you live outside the state of California, contact your state office for complete details and eligibility requirements.

Veterans Administration Educational Benefits:

Pacifica’s programs are approved for the training of veterans and other eligible persons under Title 38, U.S. Code. Pacifica is approved to administer Chapter 33 Post-9/11 GI Bill tuition assistance benefits, Yellow Ribbon Scholarships, Chapter 35 Survivors’ and Dependents’ Educational Assistance and Chapter 31 Vocational Rehabilitation Benefits for qualifying veterans. To find out if you are eligible under any of these programs, call 1-888-GIBILL1 or visit http://www.gibill.va.gov/.

For students eligible for education benefits through the Veterans Administration, all previous education and training will be evaluated. Credit will be awarded where appropriate and the program will be shortened accordingly. The student and the Veterans Administration will be notified promptly.

Failure to maintain a cumulative GPA of 3.0 or higher in three consecutive quarters will result in the veteran’s benefits being interrupted and the VA office being notified.

Private Resources:

PRIVATE LOANS
Under these programs, students may borrow up to the cost of attendance (as determined by the Financial Aid Office) less other aid received. These loans are non-federal loan programs that require at least half-time enrollment (minimum of 3 units/quarter at Pacifica), a good credit history, the ability to repay the loan, and US citizenship or permanent resident status. Some loans may require a creditworthy US citizen or permanent resident co-signer. Please note that students are encouraged to review their eligibility for federal student loans before pursuing private education loans, as the terms and conditions may be more favorable. For details on federal student loans and their provisions, please visit http://studentaid.gov. It is important that you make an informed decision regarding the lender and loan program you select. On February 14, 2010, new Truth in Lending Act (TILA) disclosure requirements on private education loans took effect.

US Department of Education regulations on private education loans require that:

1. The lender present full disclosure of the terms and conditions of the loan (including fees, interest rates, repayment amounts) and
2. The school certify a student’s cost of attendance and eligibility prior to the lender disbursing funds and
3. The lender obtains written confirmation through a signed self-certification from the borrower that s/he understands the terms and conditions prior to releasing loan funds to the school.

This new process may extend the processing time for private loans and may delay the release of loan funds to the school. Please allow a minimum of two to three weeks for processing of private alternative loans.

Qualifications:

• Students must be enrolled at least half-time
• Creditworthy (good credit history) or credit ready (no credit history and
• Adhere to cumulative debt limits)
• Sufficient monthly income to repay the loan
• Stable residence and employment history
• U.S. citizen or permanent resident

Interest Rate:
The interest rates are usually variable and may be based on the Prime rate +/- percentage points or a LIBOR rating +/- percentage points depending on the loan program and the lender.

Repayment Options:

• Students generally have three repayment options -refer to terms and conditions for specific options
• Pay interest and principal while in school
• Pay interest-only while in school
• Defer principal and interest and have the interest capitalized (added to your principal)

There may be a minimum payment per month, but it will be adjusted higher depending on the amount borrowed. Repayment period is up to 15 – 25 years depending upon type of loan and the amount borrowed.

Loan Fees:
The guarantee fee is often between 0% and 10%, depending on credit history and the availability of a co-applicant. In addition, some loans have an additional fee added to the principal balance when the loan goes into repayment.

LENDERS
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• Designed for your graduate program and career timeline

Visit https://www.collegeave.com/ to apply.

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• Get instant access to thousands of scholarships that celebrate you with Scholly Scholarships. No need to register and it’s free.
• Sallie Mae® needs to be registered (with the ®) wherever Sallie Mae appears

Visit Scholly ® Scholarships by SallieSM to apply.

Outside Resources

Funding availability for international students is often limited. We strive to provide various resources to our international graduate students. Below is a list of websites to begin your search for scholarships, fellowships and loans.

We encourage you to apply for the Pacifica Graduate Institute Scholarship. Please see Pacifica Scholarship for complete details.

Check out the SmartStudent Guide to studying in USA – This website contains information that is relevant to international students who wish to study and live in the United States. It covers everything from college admission and financial aid, passports and visas, to cultural diversity and living in the US.

International students may qualify for Private Alternative Loans to cover their educational expenses. Most programs require a credit-worthy US Citizen or permanent resident to co-sign. Most loan programs allow students to borrow up to the cost of attendance each academic year. Interest rates vary among programs and lenders.

Please also see the International Students webpage in our Admissions section.

In addition, Canadian students should click here to learn more about the Canadian grant and loan programs available.

* Pacifica is not responsible for the content or services provided on these websites. *