by our College Data Analytics TeamThis guide covers the real cost of attending University of Hawaii-West Oahu, including attendance costs, projected four- and two-year degree costs, average net price, debt outcomes, and how aid is distributed across income levels.
If you want to dig into a particular figure, jump to any section below:
Cost of attendance at University of Hawaii-West Oahu ranged from $18,190.00 and $31,150.00 across residency tiers.
The lower figure reflects the in-state rate and the higher figure the out-of-state rate: close to $18,190.00 in-state against $31,150.00 out-of-state.
The blocks below show what you would pay with no aid, with average aid, and as a low-income student.
| Tuition and fees | $7,584.00 |
| + Room, board & other expenses | $10,606.00 |
| Total cost | $18,190.00 |
| That is 6% below the national average net price. |
| Total cost | $18,190.00 |
| − Grants and scholarships | −$8,083.00 |
| Net price | $10,107.00 |
| That is 47% below the national average net price. |
| Total cost | $18,190.00 |
| − Grants and scholarships | −$10,736.00 |
| Net price | $7,454.00 |
| That is 61% below the national average net price. |
| Tuition and fees | $20,544.00 |
| + Room, board & other expenses | $10,606.00 |
| Total cost | $31,150.00 |
| That is 62% above the national average net price. |
| Total cost | $31,150.00 |
| − Grants and scholarships | −$8,083.00 |
| Net price | $23,067.00 |
| That is 20% above the national average net price. |
| Total cost | $31,150.00 |
| − Grants and scholarships | −$10,736.00 |
| Net price | $20,414.00 |
| That is 6% above the national average net price. | |
| Go deeper on the components with tuition and fees and living costs. |
The tables below project a full degree at the current published cost. Below, the cost is projected across a degree for three students at once — low-income with aid, average aid, and no aid. The repayment figures use a ten-year loan at 6.8%.
| Projected 4-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 0% | 0% | 0% |
| Freshman year | $7,454.00 | $10,107.00 | $18,190.00 |
| Senior year | $7,454.00 | $10,107.00 | $18,190.00 |
| Total 4-year net price | $29,816.00 | $40,428.00 | $72,760.00 |
| 10-year loan interest @ 6.8% | $11,359.00 | $15,402.00 | $27,719.00 |
| Total monthly payment | $343.00 | $465.00 | $837.00 |
| Total amount paid | $41,175.00 | $55,830.00 | $100,479.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 0% | 0% | 0% |
| Freshman year | $7,454.00 | $10,107.00 | $18,190.00 |
| Senior year | $7,454.00 | $10,107.00 | $18,190.00 |
| Total 2-year net price | $14,908.00 | $20,214.00 | $36,380.00 |
| 10-year loan interest @ 6.8% | $5,679.00 | $7,701.00 | $13,859.00 |
| Total monthly payment | $172.00 | $233.00 | $419.00 |
| Total amount paid | $20,587.00 | $27,915.00 | $50,239.00 |
| Projected 4-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 0% | 0% | 0% |
| Freshman year | $20,414.00 | $23,067.00 | $31,150.00 |
| Senior year | $20,414.00 | $23,067.00 | $31,150.00 |
| Total 4-year net price | $81,656.00 | $92,268.00 | $124,600.00 |
| 10-year loan interest @ 6.8% | $31,108.00 | $35,151.00 | $47,468.00 |
| Total monthly payment | $940.00 | $1,062.00 | $1,434.00 |
| Total amount paid | $112,764.00 | $127,419.00 | $172,068.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 0% | 0% | 0% |
| Freshman year | $20,414.00 | $23,067.00 | $31,150.00 |
| Senior year | $20,414.00 | $23,067.00 | $31,150.00 |
| Total 2-year net price | $40,828.00 | $46,134.00 | $62,300.00 |
| 10-year loan interest @ 6.8% | $15,554.00 | $17,575.00 | $23,734.00 |
| Total monthly payment | $470.00 | $531.00 | $717.00 |
| Total amount paid | $56,382.00 | $63,709.00 | $86,034.00 |
| See the full net-price breakdown in the Net Price section. |
Net price strips out grant and scholarship aid to show what families really pay. For most families it is a more realistic figure than the published cost.
| Average net price (on-campus) | $10,327.00 |
| Average net price (off-campus) | $10,666.00 |
Net price varies sharply by family income, dropping as need-based aid grows. The table below shows the average net price by family-income bracket:
| Family income | Average net price |
|---|---|
| Under $30,000 | $8,030.00 |
| $30,000 to $48,000 | $6,161.00 |
| $48,001 to $75,000 | $10,881.00 |
| $75,001 to $110,000 | $13,331.00 |
| Over $110,000 | $16,928.00 |
Get a tailored estimate from the University of Hawaii-West Oahu Net Price Calculator, or visit the financial aid office.
Want to know how that aid is awarded? See the grants & scholarships detail.
The median amount borrowed by graduates of University of Hawaii-West Oahu works out to $11,848.00, placing the school in the Low ($10-20k) debt-load classification.
Across borrowers, debt at graduation distributes like this:
| Percentile | Debt at graduation |
|---|---|
| 10th | $2,750.00 |
| 25th | $4,762.00 |
| Median (50th) | $11,848.00 |
| 75th | $18,249.00 |
| 90th | $27,714.00 |
How far apart the 10th and 90th percentiles sit tells you how uneven debt outcomes are.
Explore borrowing, repayment, and default in detail on the student loan debt page.
Median debt at graduation differs meaningfully across income brackets. Below the data splits borrowers across three income groups:
| Family income | Median debt at graduation |
|---|---|
| Low income | $12,500.00 |
| Middle income | $11,775.00 |
| High income | $11,000.00 |
Low-income borrowers graduate with $1,500.00 more debt than high-income graduates.
First-gen students typically face different financial-aid contexts than students whose parents attended college.
| Student group | Median debt at graduation |
|---|---|
| First-generation students | $11,587.00 |
| Continuing-generation students | $12,315.00 |
Pell Grants are the federal government’s primary need-based undergraduate aid program. Comparing Pell recipients vs non-recipients shows how debt is distributed by need.
The median debt gap between Pell and non-Pell graduates of University of Hawaii-West Oahu is $1,981.00. The Department of Education flags this school for a Pell-debt-inequity pattern.
The default-rate classification at University of Hawaii-West Oahu is Low (<5%).
| Window | Cohort default rate |
|---|---|
| 2-year | 4.7% |
To put the rates in context, Stafford loans at University of Hawaii-West Oahu total $66,361,541.00 over 4,665 loan recipients.
Veterans and active-duty students can access dedicated federal education aid including the Post-9/11 GI Bill and Department of Defense Tuition Assistance.
| GI Bill recipients | 251 |
| Avg GI Bill amount | $5,225.00 |
| DoD Tuition Assistance recipients | 34 |
| Avg DoD Tuition Assistance | $2,310.00 |
For the full rundown of veteran and military benefits, see the veteran aid breakdown.
The figures above are a starting point — as you weigh University of Hawaii-West Oahu, 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.