by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Kapiolani Community College— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. These figures are reported by the Department of Education and IPEDS.
For incoming students at Kapiolani CC, 6% of first-year students take on loan debt, for an average of $5,179 each, across private and federal loan sources.
The average federally funded loan is $5,179, amounting to 94.2% of the $5,500 cap on first-year federal borrowing for the typical dependent student. Bear in mind the undergraduate averages later on cover federal loans only, whereas this freshman total folds in private loans too.
For undergraduates overall at Kapiolani CC, 9% rely on federal student loans toward their education, borrowing on average $6,131 annually. This works out to 18.4% above the freshman federal average of $5,179.
Carrying that yearly figure forward comes to roughly $12,262 over two years and about $24,524 over a four-year span. The estimate holds federal borrowing constant and does not count private or Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 9% |
| Average federal loan per year | $6,131 |
| Undergraduates with a federal loan | 340 |
| Total federal loans (one year) | $2,084,575 |
Graduating and withdrawing students at Kapiolani CC carry a median federal debt of $6,352 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $6,352 |
| Students who completed (graduates) | $9,229 |
| Students who withdrew | $5,500 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
Half of all borrowers fall between the 25th and 75th percentiles shown below for Kapiolani CC.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,812 |
| 25th percentile | $3,500 |
| 75th percentile | $12,000 |
| 90th percentile (highest-debt students) | $20,490 |
How wide this percentile range is tells you how much borrowing varies across students at Kapiolani CC.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Kapiolani CC.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 438 | $17,938 |
| Completed (graduates) | 84 | $19,566 |
| Did not complete | 354 | $17,260 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $232.66/mo.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at Kapiolani CC.
Stafford vs Non-Stafford (any year)
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 420 | — |
| No Stafford loan | 18 | — |
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 96 | $16,375 |
| No Stafford loan this year | 342 | $19,051 |
The indicators below describe what the typical debt costs to pay back at Kapiolani CC.
The default rate measures how many borrowers fall behind and ultimately fail to repay their federal loans. The federal two-year cohort default rate for Kapiolani CC follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 10.8% |
| Borrowers in the cohort | 423 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
Median debt differs by income tier, first-generation status, and whether the student is financially dependent.
Borrowing by Income Tier
| Income tier | Median federal debt |
|---|---|
| Low income | $8,000 |
| Middle income | $5,500 |
| High income | $5,500 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $6,400 |
| Continuing-generation students | $6,233 |
Dependent vs Independent Borrowers
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $9,500 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at Kapiolani CC.
Subsidized vs. Unsubsidized Loans
With an unsubsidized loan, interest starts adding up the day the loan is disbursed, including during school. Subsidized loans, by contrast, do not accrue interest while you are enrolled at least half-time, which makes them the less expensive option when you qualify.
Important to Remember
Federal student loans are not discharged in bankruptcy in all but the rarest cases, and the government can withhold part of your income or tax refund if you default.
References
More about our data sources and methodologies.