Analysis
This University of Phoenix-Hawaii Human Services program delivers earnings that outperform most national competitors but comes with concerning debt levels that significantly limit its value. While graduates earn $39,554 in their first year—placing the program in the 71st percentile nationally and beating the national median by $3,000—they're saddled with $50,140 in debt, which is 59% higher than the typical Human Services program nationally.
The debt burden is particularly problematic given the field's earning trajectory. With virtually no income growth over four years (just 1% increase), graduates face a debt-to-earnings ratio of 1.27, meaning they owe more than their entire first-year salary. This ranks in the bottom 5th percentile nationally for debt levels—a red flag for financial sustainability. In Hawaii's limited market with only two Human Services programs, this one matches the state median for earnings but also the high debt levels typical of the state.
The bottom line: while this program produces competitive earnings for Human Services, the excessive debt load makes it a risky investment. Graduates will likely struggle with loan payments for years while earning salaries that barely grow. Unless your child has compelling reasons to attend this specific program, they'd be better served finding a Human Services degree with lower debt levels, even if it means slightly lower starting salaries.
Where University of Phoenix-Hawaii Stands
Earnings vs. debt across all human services bachelors's programs nationally
Earnings Distribution
How University of Phoenix-Hawaii graduates compare to all programs nationally
Earnings Over Time
How earnings evolve from 1 year to 4 years after graduation
| School | 1 Year | 4 Years | Growth |
|---|---|---|---|
| University of Phoenix-Hawaii | $39,554 | $39,966 | +1% |
| California State University-Monterey Bay | $37,501 | $52,771 | +41% |
| University of Delaware | $32,812 | $51,146 | +56% |
| Fitchburg State University | $45,641 | $48,365 | +6% |
| CUNY New York City College of Technology | $42,839 | $48,162 | +12% |
Compare to Similar Programs Nationally
Human Services bachelors's programs at top institutions nationally
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| School | In-State Tuition | Earnings (1yr) | Earnings (4yr) | Median Debt | Debt/Earnings |
|---|---|---|---|---|---|
 University of Phoenix-HawaiiKapolei | — | $39,554 | $39,966 | $50,140 | 1.27 |
 Goodwin UniversityEast Hartford | $21,198 | $51,659 | — | $35,166 | 0.68 |
 Simpson CollegeIndianola | $46,212 | $46,184 | — | — | — |
 Northeastern UniversityBoston | $63,141 | $45,799 | $37,367 | $26,000 | 0.57 |
| Northeastern University Professional ProgramsBoston | — | $45,799 | $37,367 | $26,000 | 0.57 |
 Metropolitan State UniversitySaint Paul | $9,780 | $45,751 | $48,069 | $31,000 | 0.68 |
| National Median | — | $36,630 | — | $31,573 | 0.86 |
Career Paths
Occupations commonly associated with human services graduates
About This Data
Source: U.S. Department of Education College Scorecard (October 2025 release)
Population: Graduates who received federal financial aid (Title IV grants or loans). At University of Phoenix-Hawaii, approximately 13% of students receive Pell grants. Students who did not receive federal aid are not included in these figures.
Earnings: Median earnings from IRS W-2 data for graduates who are employed and not enrolled in further education, measured 1 year after completion. Earnings are pre-tax and include wages, salaries, and self-employment income.
Debt: Median cumulative federal loan debt at graduation. Does not include private loans or Parent PLUS loans borrowed on behalf of students.
Sample Size: Based on 654 graduates with reported earnings and 1089 graduates with debt data. Small samples may not be representative.