Accounting at University of Phoenix-Hawaii

This University of Phoenix-Hawaii accounting program delivers concerning value despite some promising initial metrics. While graduates earn $51,405 in their first year—outperforming the Hawaii median of $50,382 and ranking in the 60th percentile statewide—the program's massive debt burden creates a serious financial obstacle. At $47,435, student debt here is 44% higher than the state median and nearly double the national average of $25,000.

The debt-to-earnings ratio of 0.92 means graduates typically owe nearly a full year's salary, which significantly constrains post-graduation financial flexibility. More troubling is the complete lack of earnings growth—median pay increases by just $600 over four years, suggesting graduates may hit an early career ceiling. This stagnation is particularly concerning given that accounting typically offers steady advancement opportunities.

For Hawaii families, this creates a difficult choice. While the program does outperform University of Hawaii at Manoa's accounting graduates by about $2,000 annually, that modest advantage doesn't justify taking on 44% more debt than the typical Hawaii accounting graduate. Unless your family can significantly reduce borrowing through scholarships or savings, you'd likely achieve better long-term financial outcomes at a less expensive in-state option, even with slightly lower starting salaries.