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HAWAI'I CC COVID-19 INFORMATION
In response to the COVID-10 pandemic, Hawai'i Community College has implemented Required Prevention Measures and changes to campus operations to keep our community safe. Find more information about what you need to do to stay safe, please visit hawaii.hawaii.edu/covid-19.

Financial Aid Award Description

Your financial aid award is determined by taking the Cost of Attendance minus Expected Family Contribution (EFC) = Financial Need.

Cost of Attendance - Expected Family Contribution (EFC) = Financial Need

When your need is determined, a financial aid award package is prepared from the programs that are available. What is awarded depends on the program guidelines, your financial need, and the funds that are available for each program.

The cost of attendance budget* is composed of:

  • Tuition
  • Fees
  • Room & Board
  • Books & Supplies
  • Transportation
  • Personal Expenses

The expected family contribution (EFC) is calculated by the U.S. Department of Education according to a formula established by the Federal Government. The information you submit on the FAFSA is what is used to determine your EFC. The EFC is not an amount that you are expected to pay to the college; it is a measure of your ability to pay and is used in determining financial need.

An outside resource is any aid that is received from external/private scholarships, grants, and other benefits that is used for educational expenses.

The unmet need is the financial need that is not met after a financial aid award package is created, including any outside resources that are reported.

The budget varies depending on residency, living status and enrollment**.

For Example,

for the 2020-2021 academic year, a full-time (12+ credits) student budget is:

Please Note: The example below is for illustration purpose only. Actual tuition, fees, budget, etc. will vary


Hawaii Resident: Full Time

Full-Time On-Campus
Resident
Off-Campus
Resident
With Parents
Resident
Tuition ($131.00 per credit) (12 crs) $3,144 $3,144 $3,144
Fees $60 $60 $60
Books & Supplies $1,340 $1,340 $1,340
Meals & Housing $9,978 $11,667 $5,175
Personal Expenses $2,694 $2,694 $2,694
Transportation $1,234 $2,468 $2,468
Total Cost of Attendance $18,450 $21,373 $14,881

Hawaii Resident: 3/4 Time

3/4 Time On-Campus
Resident
Off-Campus
Resident
With Parents
Resident
Tuition ($131.00 per credit) (11 crs) $2,882 $2,882 $2,882
Fees $60 $60 $60
Books & Supplies $1,005 $1,005 $1,005
Meals & Housing $7,484 $8,750 $3,881
Personal Expenses $2,021 $2,021 $2,021
Transportation $926 $1,851 $1,851
Total Cost of Attendance $14,377 $16,569 $11,700

Hawaii Resident: 1/2 Time

1/2 Time On-Campus
Resident
Off-Campus
Resident
With Parents
Resident
Tuition ($131.00 per credit) (8 crs) $2,096 $2,096 $2,096
Fees $60 $60 $60
Books & Supplies $670 $670 $670
Meals & Housing $4,989 $5,834 $2,588
Personal Expenses $1,347 $1,347 $1,347
Transportation $617 $1,234 $1,234
Total Cost of Attendance $9,779 $11,241 $7,995

Hawaii Resident: Less Than 1/2 Time

< 1/2 Time On-Campus
Resident
Off-Campus
Resident
With Parents
Resident
Tuition ($131 x 5) $1,310 $1,310 $1,310
Fees $60 $60 $60
Books & Supplies $1,340 $1,340 $1,340
Meals & Housing N/A N/A N/A
Personal Expenses N/A N/A N/A
Transportation $2,468 $2,468 $2,468
Total Cost of Attendance $5,178 $5,178 $5,178

 

Non-Resident: Full Time

Full-Time On-Campus
Non-Resident
Off-Campus
Non-Resident
With Parents
Non-Resident
Tuition ($345.00 per credit) (12 crs) $8,280 $8,280 $8,280
Fees $60 $60 $60
Books & Supplies $1,340 $1,340 $1,340
Meals & Housing $9,978 $11,667 $5,175
Personal Expenses $2,694 $2,694 $2,694
Transportation $1,234 $2,468 $2,468
Total Cost of Attendance $23,586 $26,509 $20,017

Non-Resident: 3/4 Time

3/4 Time On-Campus
Non-Resident
Off-Campus
Non-Resident
With Parents
Non-Resident
Tuition ($345.00 per credit) (11 crs) $7,590 $7,590 $7,590
Fees $60 $60 $60
Books & Supplies $1,005 $1,005 $1,005
Meals & Housing $7,484 $8,750 $3,881
Personal Expenses $2,021 $2,021 $2,021
Transportation $926 $1,851 $1,851
Total Cost of Attendance $19,085 $21,277 $16,408

Non-Resident: 1/2 Time

1/2 Time On-Campus
Non-Resident
Off-Campus
Non-Resident
With Parents
Non-Resident
Tuition ($345.00 per credit) (8 crs) $5,520 $5,520 $5,520
Fees $60 $60 $60
Books & Supplies $670 $670 $670
Meals & Housing $4,989 $5,834 $2,588
Personal Expenses $1,347 $1,347 $1,347
Transportation $617 $1,234 $1,234
Total Cost of Attendance $13,203 $14,665 $11,419

Non-Resident: Less Than 1/2 Time

< 1/2 Time On-Campus
Non-Resident
Off-Campus
Non-Resident
With Parents
Non-Resident
Tuition ($345.00 x 5 crs) $3,450 $3,450 $3,450
Fees $60 $60 $60
Books & Supplies $1,340 $1,340 $1,340
Meals & Housing N/A N/A N/A
Personal Expenses N/A N/A N/A
Transportation $2,468 $2,468 $2,468
Total Cost of Attendance $7,318 $7,318 $7,318

 

Pacific Islander: Full-Time

Full-Time On-Campus
Pac Islander
Off-Campus
Pac Islander
With Parents
Pac Islander
Tuition ($196.50 per credit) (12 crs) $5,502 $5,502 $5,502
Fees $60 $60 $60
Books & Supplies $1,340 $1,340 $1,340
Meals & Housing $9,978 $11,667 $5,175
Personal Expenses $2,694 $2,694 $2,694
Transportation $1,234 $2,468 $2,468
Total Cost of Attendance $20,808 $23,731 $17,239

Pacific Islander: 3/4 Time

3/4 Time On-Campus
Pac Islander
Off-Campus
Pac Islander
With Parents
Pac Islander
Tuition ($196.50 per credit ) (11 crs) $4,323 $4,323 $4,323
Fees $60 $60 $60
Books & Supplies $1,005 $1,005 $1,005
Meals & Housing $7,484 $8,750 $3,881
Personal Expenses $2,021 $2,021 $2,021
Transportation $926 $1,851 $1,851
Total Cost of Attendance $15,818 $18,010 $13,141

Pacific Islander: 1/2 Time

1/2 Time On-Campus
Pac Islander
Off-Campus
Pac Islander
With Parents
Pac Islander
Tuition ($196.50 per credit) (8 crs) $3,144 $3,144 $3,144
Fees $60 $60 $60
Books & Supplies $670 $670 $670
Meals & Housing $4,989 $5,834 $2,588
Personal Expenses $1,347 $1,347 $1,347
Transportation $617 $1,234 $1,234
Total Cost of Attendance $10,827 $12,289 $9,043

Pacific Islander: Less Than 1/2 Time

< 1/2 Time On-Campus
Pac Islander
Off-Campus
Pac Islander
With Parents
Pac Islander
Tuition $4,716 $4,716 $4,716
Fees $60 $60 $60
Books & Supplies $1,340 $1,340 $1,340
Meals & Housing N/A N/A N/A
Personal Expenses N/A N/A N/A
Transportation $2,468 $2,468 $2,468
Total Cost of Attendance $8,584 $8,584 $8,584

 


FEDERAL Loan and Work Study Options (Based on an Academic Year)

Federal Work Study

$4,500

 

Dependent Student

Federal Subsidized Loan

Federal Unsubsidized Loan

First-Year

$3,500

$2,000

Second-Year

$4,500

$2,000

Independent Student

Federal Subsidized Loan

Federal Unsubsidized Loan

First-Year

$3,500

$6,000

Second-Year

$4,500

$6,000

At Hawaii Community College, federal student loans are not automatically awarded. A student will need to turn in a loan request form which may be found on our web site, http://hawaii.hawaii.edu/financialaid/loans. NOTE: Any borrower who has 0-24 credits earned at Hawaii Community College and/or who has never received a Federal Student loan will have a 30-day delay in the disbursement of funds as required by the Department of Education. Also, any loan certified for one semester is required to have two (2) disbursements in the semester.

Federal student loans need to be paid back. Here is an example of the estimated amount you will owe after graduating from a 2-year program:

Estimated Loan Payments (2-Year Programs)

Estimated total federal loan debt

$20,000

Estimated monthly payment

$230/month

Private loans have different criteria than the Federal Subsidized and Unsubsidized. Please contact the private lenders for more information.

Here is an example of a student's award for the 2019 - 2020 academic year based on a resident living off-campus, with an Expected Family Contribution (EFC) of zero, and enolled at full-time:

Please Note: The example below is for illustration purpose only. actual tuition, fees, budget, etc. will vary

Financial Aid Award

Fall 2019

Spring 2020

Federal Pell Grant

$6,195

$3,098

$3,097

SEOG

$500

$250

$250

HawaiiCC Opportunity Grant

$1,500

$750

$750

 

Cost of Attendance

$26,352

 

 

- EFC

- 0

 

 

= Financial Need

= $26,352

 

 

- Financial Aid Offered

- $8,195

 

 

- Outside Resources (ex. external scholarships)

- $1,500

 

 

= Unmet Need

= $16,657

 

 

NOTE: The initial awards are based on full-time enrollment. If a student plans to attend ¾ or ½ time, then the award will be adjusted.

* The cost of attendance is only an ESTIMATION of what it will cost to attend Hawaii Community College. It is not guaranteed that you will receive financial aid up to the total cost of attendance.

** Some aid programs require you to be registered in a certain amount of credits, and dropping a class will result in your awards being revised.