Clinical Psychology PhD Costs & Financial Aid

Estimated PhD Program Costs for 2022/2023
Tuition per academic year $39,587
Books, supplies, and/or course fees $4,000
Laptop $2,000

All of the above are estimated expenses and subject to change.

A laptop computer is required for all graduate and professional students. More information about the laptop recommendations for students can be found at the following link: Computer Recommendations. Students do not have to purchase a new laptop if they own a laptop that fulfills the recommendations.

Financial Aid

The following sources of financial aid are available to clinical psychology students, though not all students will receive all types. The school typically offers a number of assistantships and service scholarships.

Assistantships & Scholarships

Students obtain Research Assistant position for years one and two of study. 
Continuing students may apply for teaching assistantships.
Information on SGP program-specific scholarships can be found here.

Federal Work Study

These funds allow eligible students to work on campus or in the community. Indicate your interest when filling out the FAFSA application. The FASFA must be processed by March 1 to qualify for Federal Work Study.

Federal Loans

Federal loans are available to United States citizens and eligible noncitizens who are enrolled at least half-time in a degree program at Pacific University. Eligibility is determined by the information you provide on the FAFSA. A Repayment Estimator is available at

Subsidized Federal Direct Loan

Eligibility for the subsidized Federal Direct Loan is based on financial need, as determined by the information submitted on the FAFSA. The loan principal is deferred, and the government pays the interest on the loan while borrowers are enrolled at least half-time.

Unsubsidized Federal Direct Loan

The unsubsidized Federal Direct Loan is available to students who file the FAFSA and meet general federal student aid eligibility requirements, regardless of financial need. The loan principal may be deferred, but interest accrues once the loan is disbursed.

Interest Rate, Fees & Repayment

  • The new interest rates starting on July 1, 2020 are the following for each loan type:
    • Direct Subsidized Loans and Direct Unsubsidized Loans (Undergraduate Borrower) - 2.75%
    • Direct Unsubsidized Loans (Graduate Borrower) - 4.30%
    • Direct PLUS Loans (Parent/Graduate Borrowers) - 5.30%
  • Fixed interest rate
  • Interest paid may be tax-deductible
  • Fees of 1.069% are deducted from the loan when disbursed to the school.
  • Standard 10-year repayment begins six months after graduation, or ceasing to be enrolled at least half-time. Other repayment options may be available and are described at
  • Deferment, cancellation, forbearance, forgiveness, and discharge information is available at

Federal Direct Loan Program

Doctoral students can borrow up to $35,778 in a federal unsubsidized Stafford loan. Funds come from the U.S. Department of Education and the interest rate is currently 6.00% for Unsubsidized loans and 7.00% for Direct plus loans (percentage based on the 2017-2018 financial aid year). The maximum lifetime borrowing limit for Federal Direct Subsidized & Unsubsidized loans is $224,000.

Other Resources

Alternative Loans

These are loans offered by lenders and institutions for educational expenses. These loans are not guaranteed student loans. Lenders and institutions have varying credit approval criteria that must be met by loan applicants. These loans have a variable interest rate.

Federal Direct Graduate Plus Loans

These loans are also offered by the U.S. Department of Education for educational expenses and have varying credit approval criteria that must be met by the loan applicants. These loans are fixed at 7.00 percent.

Native Hawaiian Health Scholarship Program

If you are Native Hawaiian and interested in serving in medically underserved areas in Hawai'i after graduation, you might be interested in the following program: The Native Hawaiian Health Scholarship Program (NHHSP) addresses access to health care by developing a Native Hawaiian health care workforce of professionals committed to serve the unique health needs of Hawaiian communities. The program recruits and nurtures professionals in-training for primary health care disciplines and specialties most needed to deliver quality, culturally competent health services to Native Hawaiians throughout the State of Hawai‘i. Please visit their website for details and deadlines as they are not affiliated with Pacific University. 


If you have any questions about financial aid, budgeting, repayment or other education-related financial concerns, please contact the Financial Aid Office.


FAFSA is the Free Application for Federal Student Aid.

It is very important that you submit this form to the federal government as soon as possible after Oct. 1.

Be sure to have a copy sent to Pacific University (Federal School Code 003212).

Do not wait to be accepted into a program to apply for financial aid and do not wait until you have filed your income tax returns with the IRS. You should either estimate your income — you will have a chance to correct errors later — or complete your tax returns early. If you wait, it will delay the processing.

You can also fill out a web-based version of the FAFSA. Step-by-step instructions are provided on this site.

Filling out the FAFSA online allows you to get your Student Aid Report (SAR) sooner than with the paper application, and your FAFSA will be more accurate, since the online form has built-in edit checks to catch simple errors.