by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Chaminade University of Honolulu— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. All figures come from the U.S. Department of Education and IPEDS.
For incoming students at Chaminade University of Honolulu, 39% of freshmen borrow to help pay for their first year, at roughly $7,277 each — a figure that counts both private and federal student loans.
On the federal side, the average loan is $5,217, representing 94.9% of the $5,500 first-year borrowing cap for the typical first-year dependent student. Note that average undergraduate loan amounts shown later do not include private loans — so the full freshman figure above is not directly comparable.
Counting every undergraduate at Chaminade University of Honolulu, 40% borrow through federal student loan programs, for a typical $7,061 each per year. This is 35.3% more than the $5,217 borrowed by freshmen.
Repeating that yearly amount projects to about $14,122 after two years and $28,244 over four years. These projections assume the same federal borrowing each year and exclude private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 40% |
| Average federal loan per year | $7,061 |
| Undergraduates with a federal loan | 654 |
| Total federal loans (one year) | $4,617,739 |
Graduating and withdrawing students at Chaminade University of Honolulu carry a median federal debt of $17,932 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $17,932 |
| Students who completed (graduates) | $23,250 |
| Students who withdrew | $10,717 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
Looking only at the median is misleading — these four percentiles describe the full debt distribution for borrowers at Chaminade University of Honolulu.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,500 |
| 25th percentile | $5,956 |
| 75th percentile | $25,737 |
| 90th percentile (highest-debt students) | $37,376 |
How wide this percentile range is tells you how much borrowing varies across students at Chaminade University of Honolulu.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Chaminade University of Honolulu.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 309 | $28,507 |
| Completed (graduates) | 169 | $31,749 |
| Did not complete | 140 | $24,783 |
On a standard 10-year plan, the median completing borrower would pay about $377.53/mo.
Federal data lets us separate Stafford borrowers from the rest at Chaminade University of Honolulu.
Borrowers With a Stafford Loan This Year
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 247 | $29,227 |
| No Stafford loan this year | 62 | $26,958 |
These figures turn the debt totals into a monthly repayment picture for Chaminade University of Honolulu.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. The official Department of Education two-year default rate for Chaminade University of Honolulu appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 5.9% |
| Borrowers in the cohort | 657 |
This rate follows a borrower cohort from the start of repayment through the two-year window the Department of Education uses.
Borrowing varies by family income, by first-generation status, and by dependency status.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $16,104 |
| Middle income | $19,452 |
| High income | $18,699 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $19,000 |
| Continuing-generation students | $13,999 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $18,500 |
| Independent students | $15,742 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Chaminade University of Honolulu.
Subsidized and Unsubsidized Loans
Subsidized loans pause interest while you are in school; unsubsidized loans do not. That difference compounds over four years, so the type of loan you take matters as much as the amount.
Important to Remember
Declaring bankruptcy does not erase federal student loan debt. If you stop paying, the federal government can garnish a portion of your wages until the loans are repaid.
References
More about our data sources and methodologies.