by our College Data Analytics TeamThis page focuses on the debt students take on to attend University of Phoenix-Hawaii, including completion-adjusted borrowing and a standard repayment estimate. The data below is drawn directly from federal sources.
Looking at all undergraduates at UOPX - Hawaii, freshmen included, 30% take out federal student loans, at an average of $8,493 per year.
Borrowing at that rate every year works out to about $16,986 after two years and $33,972 across a four-year program. The estimate holds federal borrowing constant and does not count private or Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 30% |
| Average federal loan per year | $8,493 |
| Undergraduates with a federal loan | 3 |
| Total federal loans (one year) | $25,479 |
The middle borrower at UOPX - Hawaii owes $16,690 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $16,690 |
| Students who completed (graduates) | $31,553 |
| Students who withdrew | $9,178 |
Withdrawn-student debt matters because those borrowers carry the loans without the degree that helps repay them.
Half of all borrowers fall between the 25th and 75th percentiles shown below for UOPX - Hawaii.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,442 |
| 25th percentile | $5,227 |
| 75th percentile | $31,067 |
| 90th percentile (highest-debt students) | $45,688 |
The gap between the 10th and 90th percentile is the clearest single measure of how widely borrowing varies at UOPX - Hawaii.
The figures above count only the students own federal loans. Adding PLUS loans (borrowed by parents or graduate students) gives a fuller picture of total borrowing at UOPX - Hawaii.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 12024 | $10,000 |
| Completed (graduates) | 4246 | $9,327 |
| Did not complete | 7778 | $10,591 |
Completers face an estimated standard 10-year monthly payment on their PLUS-inclusive debt of roughly $110.91/mo.
Stafford loans are the federal direct-loan program most undergraduates use. The breakdown below separates borrowers who used Stafford loans from those who did not at UOPX - Hawaii.
Stafford vs Non-Stafford (any year)
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 11889 | $10,000 |
| No Stafford loan | 135 | $8,640 |
Stafford This Year vs Not
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 7472 | $8,000 |
| No Stafford loan this year | 4552 | $15,534 |
Repayment burden translates the debt figures into what a borrower actually pays each month. UOPX - Hawaii.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. The official Department of Education two-year default rate for UOPX - Hawaii is shown below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 14.3% |
| Borrowers in the cohort | 239729 |
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.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $15,000 |
| Middle income | $19,953 |
| High income | $18,466 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $16,500 |
| Continuing-generation students | $17,970 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $13,141 |
| Independent students | $17,105 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at UOPX - Hawaii.
The Difference Between Subsidized and Unsubsidized Loans
Unsubsidized federal student loans accrue interest every month — even while you are still enrolled. Unless you pay that interest as it builds, the balance you owe at graduation can be noticeably higher than the amount you originally borrowed.
Did You Know?
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.