Well, you are forgetting about your loans. If you get the max amount for living off-campus, you get $1925 a month while attending Pacific. I'm DEFINITELY not saying it's cheap, but it is managable. If you get into student housing you could be paying as little as ~650 for the Presidio or like ~$850 at Pacific apartments. I forget the exact numbers but those are ballpark.
UoP is expensive but I can say that I have loved every minute of it so far. Good luck with your application choices. I hope you still consider Pacific!