by our College Data Analytics TeamA lot of students will not be asked to pay the full sticker price of a school. Rather, they are offered a financial aid plan that includes a mix of loans, grants, scholarships, and possibly work-study opportunities. The price tag of going to Windward Community College can appear overpowering, but remember that the majority of students obtain some kind of financial assistance.
Just what financial aid solutions can Windward CC provide, and just what are you going to be eligible for? Keep reading for answers. Read on to discover just how much financial aid could be open to you.
Eligibility for aid and scholarships is driven mostly by your household’s income and need. The figures below will help you estimate the aid you might receive from Windward Community College.
Financial aid, in the form of loans, grants, work-study, and scholarships, is one way colleges reduce the cost of attendance so most students can actually afford to attend. Note that some aid is more valuable than the rest, and individual awards are far from uniform.
At Windward Community College, 85% of the incoming full-time class was awarded financial aid some 189 students).
| Type of Aid | % of Freshmen Receiving | Average Amount |
|---|---|---|
| Grant or scholarship aid (all sources) | 83% | $5,646 |
| Institutional grants & scholarships | 59% | $3,048 |
| Federal Pell grants | 47% | $5,639 |
| State/local grants | 18% | $1,413 |
| Federal student loans | 5% | $4,448 |
The best aid is gift aid: grants and scholarships that carry no repayment obligation. Here, around 21% of undergrads got grants or scholarships worth on average $4,971 (among about 582 students).
| Award | % of Undergrads Receiving | Average Amount |
|---|---|---|
| Grant or scholarship aid (all sources) | 21% | $4,971 |
| Federal Pell grants | 15% | $4,256 |
| Federal student loans | 2% | $6,081 |
Among title-IV aid recipients living on campus, grant and scholarship aid averaged $7,353.
Since aid is largely need-based, the real cost of attendance falls steeply for lower-income families.
| Family Income | Average Net Price |
|---|---|
| $0 – $48,000 | $6,797 |
| $30,001 – $75,000 | $8,048 |
| Over $75,000 | $11,275 |
The numbers above are post-aid net prices, so they already account for grants and scholarships.
After grants and scholarships come off the published price, what remains is the net price — the best estimate of true out-of-pocket cost.
| Cohort | Average Net Price |
|---|---|
| On-campus title-IV students | $8,169 |
| Off-campus title-IV students | $7,533 |
To get a personalized net price estimate, try Windward CC’s net price tool: windward.hawaii.edu/paying-for-college/financial-aid/net-price-calculator/.
The median federal debt load at Windward CC comes to $7,175 in federal student debt.
| Metric | Amount |
|---|---|
| Median federal debt (all student-aid borrowers) | $7,175 |
| Median federal debt (graduates only) | $9,500 |
| Typical 10-year monthly payment (graduates) | $100.72/mo |
Spreading the median graduate debt over a standard 10-year repayment schedule works out to roughly the monthly payment shown above.
Looking only at the median can be misleading because it hides the spread. The percentiles below describe the cumulative federal debt distribution for borrowers at Windward CC.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,000 |
| 25th percentile | $3,500 |
| 75th percentile | $12,131 |
| 90th percentile (highest-debt students) | $20,346 |
Outcomes differ by income bracket, by first-generation status, and by whether a student is financially dependent.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $9,500 |
| Middle income | $7,000 |
| High income | $5,500 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $7,924 |
| Continuing-generation students | $5,500 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $9,500 |
Federal data publishes pre-calculated indicators that summarize debt outcomes. Windward CC.
Stafford loans make up the bulk of federal direct lending to undergraduates. The aggregate figures below show how active the program is at Windward CC:
| Metric | Value |
|---|---|
| Stafford loan recipients | 3107 |
| Total Stafford loan amount | $33,439,557 |
Veterans and active-duty service members may qualify for the Post-9/11 GI Bill or DoD Tuition Assistance.
Post-9/11 GI Bill recipients
| Metric | Value |
|---|---|
| GI Bill recipients | 105 |
| Total GI Bill amount | $138,496 |
| Average GI Bill amount per recipient | $1,319 |
Active-duty Tuition Assistance recipients
| Metric | Value |
|---|---|
| DoD Tuition Assistance recipients | 11 |
| Total DoD amount | $10,078 |
| Average DoD amount per recipient | $916 |
References
More about our data sources and methodologies.