Students can avail of scholarships provided by the university, such as ASTA Northern California Chapter - Richard Epping Scholarship, AWA Scholarship Awards, CCNMA Scholarship, and Cal Grant A, if they find educational expenses to be on the higher side. It is interesting to note that, every year, around 97% of students at UP receive some kind of financial aid, while the total amount of assistance/loans provided is $12,785,202. One can visit UP's financial aid page at http://web.pacific.edu/x17330.xml for more information. Notably, a total of 35% of the applicants to University of the Pacific receive the Federal Grant every year. In comparison, 96% of the students are awarded the Student Grant, 96% get the Institution Grant, and 35% of the applicants receive the Pell Grant. While the Federal Grant awardees receive an average aid of $5,267, the State Grant receivers and Institution Grant beneficiaries get $8,184 and $25,894, respectively. And, for the Pell Grant awardees, the average aid amount is $4,871. The annual family income of a candidate is one of the key factors in determining their total eligibility for financial aid. Students whose family income per annum is less than $30,000 will receive a federal aid of $36,724 on average in a year. For the $30,001-$48,000 and $48,001-$75,000 family income brackets, the average aid amount stands at $35,500 and $30,963, respectively. On the other hand, the average federal aid stands at $27,460 for those with an annual family income between $75,001 and $110,000, and at $19,442 for an income more than $110,000. Alternatively, the candidates can also avail of monetary benefits like student loans, apart from financial grants and scholarship schemes to pay for their studies. However, student loans attract a certain rate of interest at which the funds are borrowed. Candidates are also required to repay these loans within a given period. At University of the Pacific, the percentage of candidates who opt to avail of student loans is around 54%.