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Cost & financial aid brief

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# University of Hawaii at Manoa Tuition, Costs & Financial Aid

Updated October 21, 2026

[Overview](/school/university-of-hawaii-at-manoa/)Cost & aid[Outcomes](/school/university-of-hawaii-at-manoa/outcomes/)[Admissions](/school/university-of-hawaii-at-manoa/admissions/)[Majors](/school/university-of-hawaii-at-manoa/majors/)[Similar schools](/school/university-of-hawaii-at-manoa/similar/)

**On this page**+

## How much does University of Hawaii at Manoa cost after financial aid?

The published cost of attendance at University of Hawaii at Manoa is $26,433 (an average). In-state tuition and fees are $12,186, and room and board are $14,658.

Out-of-state students pay $34,218 in tuition and fees. For the average aid recipient, the average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/) is $15,664, meaning aid covers about 41% of the published cost.

The average net price is $30 above the $15,634 median at comparable institutions (same type and size). Azimuth ranks the university #362 for affordability among nonprofit four-year institutions. That places the affordability pillar in the 74th percentile.

The affordability pillar is at the 74th percentile among nonprofit four-year institutions. For aid recipients here, that average is $15,664, $30 above the median of $15,634 for comparable institutions (same type and size).

The lowest income band averages $10,675, and the highest band averages $22,562. Borrowers who complete a degree hold a median of $18,500 in federal student loans, $1,576 below the median for comparable institutions.

At University of Hawaii at Manoa, average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/)s step upward across the reported family-income bands, leaving the lowest band with the lowest listed cost. The average net price is $10,675 for the lowest band; $12,246 for the next; $14,469 for the middle; $18,760 for the next-highest; and $22,562 for the highest band.

26.2% of undergraduates receive Pell Grants, a financial-access measure that provides context for the lowest band. The spread between the lowest and highest bands is $11,887.

Average net price by family income

**$0–30K**
$10,675

**$30–48K**
$12,246

**$48–75K**
$14,469

**$75–110K**
$18,760

**$110K+**
$22,562

Averages within each income band; individual aid packages vary.

Overall average annual net price: **$15,664**. After grants and scholarships, including living costs. [Source and coverage](#cost-data-notes).

For aid recipients, the published cost of $26,433 at University of Hawaii at Manoa compares with an average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/) of $15,664, a difference of $10,769 after grants and scholarships. Aid covers about 41% of the published cost for the average aid recipient.

Pricing is not uniform across reported incomes: lower-income bands have lower average net prices, and higher-income bands have higher ones. That pattern shows aid is more concentrated, on average, in the lower-income bands rather than applied as the same discount across families.

The sticker-to-net reduction and the income pattern point in the same direction: aid recipients with lower reported incomes face lower average prices after grants and scholarships.

The published cost of attendance at University of Hawaii at Manoa is $26,433 (an average across living arrangements), and aid-recipient costs vary across family-income bands. Average [net price](/analysis/is-college-worth-it-part-1-the-net-price-illusion/), what aid recipients pay after grants and scholarships, is $10,675 in the lowest family-income band, $12,246 in the lower-middle family-income band, $14,469 in the middle family-income band, $18,760 in the upper-middle family-income band, and $22,562 in the highest family-income band.

The spread between the lowest and highest bands is $11,887, while Azimuth ranks the public university #362 for affordability among nonprofit four-year institutions. For the average aid recipient, aid covers about 41% of the published cost, or average savings of $10,769.

Across all aid recipients, the average net price is $15,664. The peer median net price, the middle value for comparable institutions (same type and size), is $15,634, putting the university’s average $30 above that benchmark.

Aid covers a substantial portion of the published cost, though the overall average sits above the comparable-school median. Among borrowers who completed, median federal student loan debt at completion is $18,500.

The peer median debt for comparable institutions (same type and size) is $20,076, making the university’s median $1,576 below that figure; 74.0% of federal aid recipients borrow federal loans. That debt corresponds to an estimated payment of $210 a month if repaid over ten years.

Median [Parent PLUS](/analysis/ou-what-happens-when-parents-borrow-too/) borrowing is $30,988 for parent borrowers.

## Student loans: what does repayment look like?

Federal borrowing is common at University of Hawaii at Manoa, though the typical federal debt of completers sits below the comparable-school midpoint. Among federal-loan borrowers who completed, median federal student loan debt is $18,500, and 74.0% of federal aid recipients take federal loans.

The peer median, the middle value for comparable institutions (same type and size), is $20,076, making the university's median $1,576 below it. For the separate parent-borrower population, median [Parent PLUS](/analysis/ou-what-happens-when-parents-borrow-too/) borrowing is $30,988.

The earnings scenarios show a wide range at University of Hawaii at Manoa: $41,906 in the downside scenario, $61,903 in the typical scenario, and $84,177 in the upside scenario, all four years after completion. Among federally aided completers who are working and not enrolled, median earnings are $61,903 four years after completion.

Azimuth places that figure in the 56th percentile among nonprofit four-year institutions. [Earnings beyond expectations](/analysis/a-value-added-approach-to-college-outcomes/), the gap between what graduates earn and what the model expects for similar students, sit in the 59th percentile among nonprofit four-year institutions.

Graduates earn about $1,372 more than the model expects for similar students. Median federal student loan debt at completion is $18,500, compared with $20,076 at comparable institutions of the same type and size; it is $1,576 below the peer median.

That debt corresponds to an estimated payment of $210 a month if repaid over ten years. Lower debt and above-expected earnings point in the same direction, though modeled earnings vary widely by scenario.

Parent borrowing is a separate part of the cost picture: parents using [Parent PLUS](/analysis/ou-what-happens-when-parents-borrow-too/) have median borrowing of $30,988 at University of Hawaii at Manoa. The median federal debt corresponds to an estimated payment of $210 a month if repaid over ten years.

[Repayment figures](#combined-borrowing) are in the Financial GPS card below. [Borrowing populations and model assumptions](#cost-data-notes).

## Parent loans: what can the family afford?

[How Parent PLUS borrowing affects families](/analysis/ou-what-happens-when-parents-borrow-too/)

**Median Parent PLUS debt**
$30,988

**Estimated parent payment**
$394/mo

Modeled Parent PLUS pressure by income

| Household income | Share of income above basic expenses | Risk level |
| --- | --- | --- |
| $35,000 | No room | High pressure |
| $50,000 | No room | High pressure |
| $75,000 | 23.2% | High pressure |
| $100,000 | 10.4% | High pressure |
| $150,000 | 5.0% | Safe |
| $200,000 | 3.3% | Safe |

The 10-year payment on the median Parent PLUS balance, as a share of household income above basic expenses ($54,640 a year: 200% of the 2026 federal poverty guideline for a household of three). No room is High pressure. [Open the parent tool for your own numbers](/financial-gps/?tool=parent&school=university-of-hawaii-at-manoa#parent-tool). [Read the assumptions and limits](#cost-data-notes).

## Student and parent loans: the monthly payments

Financial GPS

### What does repayment look like?

**Institution median student debt**
$18,500

**Institution Parent PLUS debt**
$30,988

Federal loans only; private or institutional loans aren’t included.

**Estimated student payment · monthly**
$210/mo

**Estimated Parent PLUS payment · monthly**
$394/mo

**Modeled student + parent payments**
$604/mo

Payments use school-wide median balances, not a specific major’s.

#### Student payment as a share of available income

At median graduate earnings of $61,903, with a $23,940 annual allowance for basic expenses:

**6.6%** of income above the allowance · Excellent

1.  Excellent Under 8% · selected scenario
2.  Good 8–under 12%
3.  Concerning 12–20%
4.  High risk Over 20%

How this estimate works

These are modeled earnings scenarios, not observed earnings percentiles. Annual student payments ÷ (earnings − basic-expense allowance). The starting allowance, $23,940, uses the published framework’s 2026 baseline; it is not a current local living-cost estimate. Change it for your budget, including taxes and other obligations. This combines school-level figures for illustration, not a typical individual’s budget or an official school rating. Parent PLUS is separate.

[Read the framework and its limits](/analysis/financial-gps-framework/).

Payment assumptions

Payments are 10-year standard payments on the median balance, before loan fees, used as a yardstick. Rates for newly issued loans may differ, and loans made after July 1, 2026 can repay over a longer term; existing loans keep their original fixed rates.

[Explore your own numbers in Financial GPS](/financial-gps/?tool=student&school=university-of-hawaii-at-manoa#student-tool)

## Data & methodology

Sources and reporting periods: [methodology](/methodology/).

Analysis and methodology by [Daniel Rogers](/about/#founder), founder of College Azimuth.

Explanatory text is AI-assisted drafting checked against those figures; it is not an additional data source.

Figure notes link to sources and limitations. [About College Azimuth](/about/).

**Net price and borrowing.** The 2023–24 income-band averages include living costs and cover eligible first-time, full-time aid recipients; public-school figures reflect in-state tuition. They are not individual aid offers. Peer matching supplies overall net prices, not matched income-band averages. [College Scorecard data and documentation](https://collegescorecard.ed.gov/data/).

A personal student-risk assessment also needs your major and borrowing plan; these school-level illustrations do not assign you a personal risk zone.

Payments are 10-year standard payments on the median balance, before loan fees, used as a yardstick. Rates for newly issued loans may differ, and loans made after July 1, 2026 can repay over a longer term; existing loans keep their original fixed rates. Private-loan figures from the Common Data Set are separate from these federal repayment illustrations.