by our College Data Analytics TeamThis page focuses on the debt students take on to attend University of Hawaii Maui College— 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.
Among first-year students at UH Maui College, 3% of first-year students take on loan debt, borrowing on average $4,884 apiece. This figure includes both private and federally funded student loans.
On the federal side, the average loan is $4,884, or about 88.8% of the $5,500 first-year borrowing cap for the typical first-year dependent student. Remember the all-undergraduate figures below leave out private loans, so they will look lower than this private-plus-federal freshman amount.
Across the full undergraduate body at UH Maui College (freshmen included), 7% use federal student loans to help pay for their education, at an average of $6,998 annually. This is 43.3% larger than the freshman federal average of $4,884.
Borrowing the same amount each year would add up to roughly $13,996 in two years and roughly $27,992 by the fourth year. These figures assume identical federal borrowing each year and omit private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 7% |
| Average federal loan per year | $6,998 |
| Undergraduates with a federal loan | 114 |
| Total federal loans (one year) | $797,750 |
The middle borrower at UH Maui College owes $9,500 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $9,500 |
| Students who completed (graduates) | $13,040 |
| Students who withdrew | $8,000 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for UH Maui College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,750 |
| 25th percentile | $4,749 |
| 75th percentile | $23,460 |
| 90th percentile (highest-debt students) | $39,000 |
The spread between the lowest- and highest-debt deciles summarizes how variable outcomes are at UH Maui College.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for UH Maui College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 119 | $17,999 |
| Completed (graduates) | 22 | $16,000 |
| Did not complete | 97 | $19,306 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $190.26/mo.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at UH Maui College.
Current-Year Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 23 | $14,100 |
| No Stafford loan this year | 96 | $19,527 |
The indicators below describe what the typical debt costs to pay back at UH Maui 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 UH Maui College appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 20.4% |
| Borrowers in the cohort | 602 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
The breakdowns below show median federal debt by income, first-generation status, and dependency.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $12,232 |
| Middle income | $7,125 |
| High income | $5,500 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $9,500 |
| Continuing-generation students | $7,400 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $13,477 |
Federal data publishes the following gap measures for UH Maui 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
Unlike most other debt, federal student loans generally survive bankruptcy — and unpaid balances can lead to wage garnishment — so borrow only what you truly need.
References
More about our data sources and methodologies.