by our College Data Analytics TeamBelow is the data on what it actually costs to attend Hawaii Pacific University, covering the cost range, projected degree costs, net price, debt at graduation, default rates, and aid distribution patterns.
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The total published cost of attendance at Hawaii Pacific University comes to about $49,980.00 per academic year.
Below, the published cost is shown three ways — the full sticker price with no aid, the net price after the average grant package, and the net price for low-income students who typically receive the most aid.
| Tuition and fees | $34,392.00 |
| + Room, board & other expenses | $15,588.00 |
| Total cost | $49,980.00 |
| That is 52% above the national average net price. |
| Total cost | $49,980.00 |
| − Grants and scholarships | −$21,017.00 |
| Net price | $28,963.00 |
| That is 12% below the national average net price. |
| Total cost | $49,980.00 |
| − Grants and scholarships | −$24,916.00 |
| Net price | $25,064.00 |
| That is 24% below the national average net price. | |
| Go deeper on the components with tuition and fees plus room and board. |
Costs have trended upward in recent years at about 4.6% annually, so the projections below total more than one year of attendance. These tables carry the cost across a degree for three cases: low-income w/ aid, average aid, and no aid. Loan math assumes ten-year repayment at 6.8% interest.
| Projected 4-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 4.6% | 4.6% | 4.6% |
| Freshman year | $26,228.00 | $30,308.00 | $52,301.00 |
| Senior year | $30,054.00 | $34,730.00 | $59,931.00 |
| Total 4-year net price | $112,449.00 | $129,942.00 | $224,234.00 |
| 10-year loan interest @ 6.8% | $42,839.00 | $49,503.00 | $85,425.00 |
| Total monthly payment | $1,294.00 | $1,495.00 | $2,580.00 |
| Total amount paid | $155,288.00 | $179,445.00 | $309,659.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 4.6% | 4.6% | 4.6% |
| Freshman year | $26,228.00 | $30,308.00 | $52,301.00 |
| Senior year | $27,446.00 | $31,716.00 | $54,730.00 |
| Total 2-year net price | $53,674.00 | $62,024.00 | $107,031.00 |
| 10-year loan interest @ 6.8% | $20,448.00 | $23,629.00 | $40,775.00 |
| Total monthly payment | $618.00 | $714.00 | $1,232.00 |
| Total amount paid | $74,122.00 | $85,652.00 | $147,806.00 |
Read more in the net-price section.
Net price reflects the true cost to attend after grant and scholarship aid is deducted. For most students, this is the more useful number than published tuition because it reflects the real out-of-pocket cost.
| Average net price (on-campus) | $29,657.00 |
| Average net price (off-campus) | $30,557.00 |
Net price is not the same for every family — it falls as financial need rises and grant aid increases. The breakdown below splits average net price across income brackets:
| Family income | Average net price |
|---|---|
| Under $30,000 | $26,082.00 |
| $30,000 to $48,000 | $28,770.00 |
| $48,001 to $75,000 | $28,932.00 |
| $75,001 to $110,000 | $32,793.00 |
| Over $110,000 | $34,920.00 |
Estimate your specific net price using the school’s Hawaii Pacific University Net Price Calculator, or check with the financial aid office.
Curious how grants and scholarships are distributed? Explore the financial aid breakdown.
Typical debt at graduation from Hawaii Pacific University works out to $12,000.00, landing it in the Low ($10-20k) burden tier.
Here’s how debt at graduation distributes across borrowers:
| Percentile | Debt at graduation |
|---|---|
| 10th | $3,500.00 |
| 25th | $5,500.00 |
| Median (50th) | $12,000.00 |
| 75th | $25,000.00 |
| 90th | $34,500.00 |
The spread between the 10th and 90th percentiles reflects how variable debt outcomes are at this school.
Dig deeper into debt on the student-loan-debt breakdown.
Median debt at graduation differs meaningfully across income brackets. Below, debt is broken out by low, middle, and high family income:
| Family income | Median debt at graduation |
|---|---|
| Low income | $12,500.00 |
| Middle income | $12,000.00 |
| High income | $11,790.00 |
On average, low-income graduates leave with $710.00 in extra median debt compared with high-income peers.
First-generation college students often carry different debt loads than their continuing-generation peers.
| Student group | Median debt at graduation |
|---|---|
| First-generation students | $12,151.00 |
| Continuing-generation students | $11,482.00 |
First-generation graduates from Hawaii Pacific University hold $669.00 more median debt than continuing-generation peers.
Pell Grant eligibility is a useful proxy for low-income status among undergraduates. The Pell vs non-Pell debt gap reveals how borrowing differs by need.
The Pell-versus-non-Pell median debt difference at Hawaii Pacific University is $2,738.00. This institution is flagged by federal data for Pell-debt inequity.
The federal default-rate classification for Hawaii Pacific University is Low (<5%).
| Window | Cohort default rate |
|---|---|
| 2-year | 3.0% |
To give some context for these rates, Stafford loans disbursed at Hawaii Pacific University reach $320,406,043.00 distributed across 14,855 borrowers.
Veteran and active-military students often access dedicated federal aid programs like the Post-9/11 GI Bill and DoD tuition assistance.
| GI Bill recipients | 624 |
| Avg GI Bill amount | $21,393.00 |
| DoD Tuition Assistance recipients | 272 |
| Avg DoD Tuition Assistance | $2,029.00 |
Dig into veteran education benefits on the veteran aid breakdown.
Beyond the data above, it helps to ask a few questions when weighing Hawaii Pacific University, a few questions are worth asking:
For a closer look at any of these topics, follow the links below:
Data sources. Figures on this page draw from the U.S. Department of Education College Scorecard, the Integrated Postsecondary Education Data System (IPEDS), and MediaFactual editorial review. Net-price calculator and financial-aid office links are taken from the institution’s own published data.