Head-to-Head Analysis
This analysis was generated using Azimuth's proprietary framework. Our data model transforms federal education data into actionable insights. Learn about founder Daniel Rogers, explore our research methodology, or see how we think about this data.
Updated January 2026 • Hilo, HI & Greeley, CO
When students choose between University of Northern Colorado and University of Hawaii at Hilo, they're comparing two regional public universities with notably different cost-benefit equations. Both schools offer broad access to higher education in their respective markets, but UNC commands a premium of $6,394/year while delivering modestly higher earnings outcomes.
The decision hinges on whether the Colorado location and earning potential justify the additional investment, or whether Hawaii's lower cost and island setting provide better value for your specific situation.
Median Student Debt at Graduation
$20,500
federal loans
$20,470
federal loans
Median Parent PLUS Loans
$20,688
borrowed by parents
$22,566
borrowed by parents
Both institutions focus primarily on Health programs, reflecting their roles as regional workforce developers. UNC offers a broader mix with significant strength in Education (13%), Business (9%), and Arts (9%).
Top programs include Business Administration (201 graduates), Teacher Education (200), and Registered Nursing (193). Hawaii-Hilo has a more concentrated approach, with Social Sciences (11%) and Business (9%) complementing its health focus.
Key programs include Nursing (65 graduates), Pharmacy (63), and Psychology (53). This program composition helps explain the modest earnings differences between the institutions.
For students prioritizing cost management, Hawaii-Hilo delivers meaningful savings at $6,394/year less than UNC while maintaining reasonable career outcomes for island-based employment. UNC offers modestly higher earnings potential and better graduation rates, making it the better choice for students who can manage the higher cost and want mainland career opportunities.
The data points to a true tradeoff rather than a clear winner — Hawaii-Hilo for budget-conscious families willing to accept lower earnings, UNC for those prioritizing slightly better outcomes despite concerning affordability. Your choice should align with career location preferences and family financial capacity.
Key Takeaway
The numbers are close, but the best school depends on your goals, values, and career aspirations.
This comparison was generated using Azimuth's proprietary ROI framework, developed by founder Daniel Rogers. Our methodology transforms federal education data into actionable insights for families.
This comparison uses Azimuth's proprietary ROI model based on U.S. Dept. of Education data. View Full Methodology.
This content is for educational and informational purposes only and should not be construed as financial, investment, or professional advice. Consult a qualified advisor before making any financial decisions.
College Azimuth is a private research initiative and is not affiliated with the U.S. Department of Education or Federal Student Aid.
