Finance and Financial Management Services at Hawaii Pacific University

Hawaii's limited market for finance programs makes this degree harder to evaluate. While nationally, finance bachelor's graduates typically earn around $53,590 in their first year—the basis for this program's estimate—Hawaii's documented outcomes tell a different story. The University of Hawaii at Manoa, the state's flagship, reports actual first-year earnings of $44,594 for finance graduates, nearly $9,000 below the national figure. That's a meaningful gap in a state where living costs run high and financial sector opportunities are concentrated.

The estimated debt load of $25,812 sits slightly above both the national median for finance programs and Hawaii-specific benchmarks, though the debt-to-earnings ratio of 0.48 remains manageable if earnings materialize near the national estimate. The real question is whether Hawaii Pacific's finance graduates command national-typical salaries or something closer to UH Manoa's reported outcomes. For context, similar private nonprofit programs nationally show this level of debt, but Hawaii's smaller finance sector may not support the same earning potential.

Given the lack of actual outcome data and the visible gap between Hawaii's documented earnings and national figures, you're making a significant financial commitment with substantial uncertainty. If your child plans to work in Hawaii's finance market after graduation, assume earnings closer to the $44,000 range documented at UH Manoa rather than the $53,000 national estimate—that difference fundamentally changes the value calculation.