by our College Data Analytics TeamThis page focuses on the debt students take on to attend Hawaii Medical College: median debt, the percentile spread, total borrowing including PLUS loans, and the cost to repay. The data below is drawn directly from federal sources.
At Hawaii Medical College specifically, 93% of new students use loans toward freshman-year expenses, for an average of $9,159 each, across private and federal loan sources.
The typical federal loan comes to $9,108. This meets or exceeds the $5,500 cap on first-year federal borrowing for the typical dependent freshman. Note that average undergraduate loan amounts shown later do not include private loans — so the full freshman figure above is not directly comparable.
Looking at all undergraduates at Hawaii Medical College, freshmen included, 73% take out federal student loans, with a mean of $8,179 each per year. It comes to 10.2% below the $9,108 typical freshmen borrow.
Borrowing the same amount each year would add up to roughly $16,358 by year two and around $32,716 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 | 73% |
| Average federal loan per year | $8,179 |
| Undergraduates with a federal loan | 159 |
| Total federal loans (one year) | $1,300,420 |
The middle borrower at Hawaii Medical College owes $10,500 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $10,500 |
| Students who completed (graduates) | $13,000 |
| Students who withdrew | $6,438 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
Half of all borrowers fall between the 25th and 75th percentiles shown below for Hawaii Medical College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,554 |
| 25th percentile | $4,750 |
| 75th percentile | $9,500 |
| 90th percentile (highest-debt students) | $9,500 |
How wide this percentile range is tells you how much borrowing varies across students at Hawaii Medical College.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Hawaii Medical College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 46 | $8,332 |
The indicators below describe what the typical debt costs to pay back at Hawaii Medical College.
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 Hawaii Medical College is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 0% |
| Borrowers in the cohort | 6 |
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 | $9,653 |
| Middle income | $10,556 |
| High income | $12,683 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $10,357 |
| Continuing-generation students | $10,556 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $9,653 |
| Independent students | $11,469 |
Federal data publishes the following gap measures for Hawaii Medical College.
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.