Chaminade University of Honolulu

Financial Aid

Chaminade’s Hawaiʻi Guarantee is More than a Promise; It’s a Pact

When Nanea Chu was gearing up to graduate from Parker High School on Hawaiʻi Island, she knew she wanted to continue her education at college but didn’t necessarily have a school in her home state in mind. Nanea was actually considering going someplace much farther away, unsure if she could bear the cost of studying in her home state.

“I was going to go to Rhode Island for school,” she said.

Nanea said she was considering attending the Rhode Island School of Design, an institution with high tuition rates but in a state with a lower cost of living. Depending on the aid package, traveling all the way to Providence for college could have ended up being cheaper than staying in Hawaiʻi. 

“I didn’t think that I would be able to afford it if I chose to stay here,” she said.

Layla Becker also knew she wanted to go to college following her graduation from James Campbell High School. She initially zeroed in on two private universities on Oʻahu. It was a toss-up, but a trusted advisor recommended she give Chaminade a closer look.

“I only applied to two schools originally,” Layla said. “I had an environmental science teacher in high school who was talking to me a bunch about college and he recommended Chaminade to me because he had family that went.”

There were, of course, a lot of other factors to consider, yet both Layla and Nanea ultimately chose to study at Chaminade University of Honolulu, in part due to the university’s new Hawaiʻi Guarantee Scholarship, a commitment the university launched the year they both applied.

Now in its fourth year, the Hawaiʻi Guarantee Scholarship is helping new generations of Hawaiʻi students afford a Chaminade University education.

The Guarantee is a promise the university makes to resident first-time college students graduating from local high schools. The admissions and financial aid offices work with enrolling students to ensure that the tuition rate these incoming students pay matches the institutional in-state tuition rate residents would pay to go to public universities.

It’s one way Chaminade University is striving to be as accessible as possible, understanding why it’s important that Hawaiʻi high school graduates have the option to pursue a Chaminade education regardless of means.

The Guarantee works in tandem with the university’s efforts to ensure students graduate in four years, keeping costs down while helping everyone in the Chaminade family pursue their dreams and goals without unnecessary delay or expense. Today, Chaminade University boasts the state’s highest four-year graduation rate.

Both Nanea and Layla said Chaminade’s Hawaiʻi Guarantee program played a significant role in swaying their decisions to stay in the state and attend the university. They agree that the next wave of graduating high school seniors in Hawaiʻi should give the Guarantee a closer look.

“I would definitely recommend Chaminade,” Layla said.

A private university education at an in-state public price

Chaminade University is Hawaiʻi’s only private Catholic university. We fulfill the Marianist mission of promoting personal and community well-being through education, and we are particularly committed to serving Native Hawaiians and residents of the state even as we welcome students, staff, and faculty from everywhere.

The school’s devotion to serving Hawaiʻi is what ultimately inspired the Hawaiʻi Guarantee Scholarship program. Both Nanea and Layla are on course to graduate at the end of the current academic year. Now seniors, they are among the first cohort of students to receive Chaminade’s Hawaiʻi Guarantee Scholarship.

As noted earlier, the Guarantee is a sort of pact Chaminade makes with qualifying students. Through the Guarantee, Chaminade University will work to match Hawaiʻi’s in-state tuition rate for any qualifying local first-year student.

Incoming students apply for the Hawaiʻi Guarantee Scholarship by first submitting the Free Application for Federal Student Aid (FAFSA). Via the Guarantee, Chaminade will adjust students’ tuition rates after institutional aid is factored in to ensure that what the students pay matches in-state public university tuition costs. The adjusted tuition rate only rises when the in-state tuition rate goes up.

It’s a big deal–the Guarantee can bring annual tuition costs down by as much as two-thirds.

All Hawaiʻi graduating high school seniors, incoming university freshmen, and first-time Hawaiʻi college students are eligible for Chaminade’s Hawaiʻi Guarantee Scholarship. Applicants must be seeking their first bachelor’s degree and enroll as full-time students.

In addition, all majors are eligible, with the exception of Chaminade’s nursing degree programs. The scholarship is also renewable for three years.

For Nanea, the Guarantee meant she could choose to stay close to home and avoid relocating thousands of miles away to study her chosen field, which was graphic design at the time she was shopping for colleges. She later switched her major to interior design, impressed by Chaminade’s tough but excellent interior design program.

“It takes a lot of discipline and you can’t procrastinate whatsoever really, or it’ll really catch up to you,” she explained.

Meanwhile, Layla said the Guarantee helped convince her to choose Chaminade over other universities to pursue a degree in criminal justice.

Nanea said Chaminade’s Hawaiʻi Guarantee “definitely was a big factor in staying here” versus flying off to the mainland.

Layla said it was the same with her, even after she learned that she could couple the scholarship with Veterans Affairs benefits she qualified for through her father’s service in the military.

“It piqued my interest and I definitely was more persuaded to choose Chaminade because at the time I didn’t know I qualified for VA benefits,” Layla shared.

Peace of mind in pursuit of knowledge

With an up to two-thirds decrease in tuition costs, the Guarantee is significant and designed to give every Hawaiʻi resident a chance at being a part of the Chaminade University community.

As the university says on its Hawaiʻi Guarantee Scholarship website, “We’re giving you and your family financial peace of mind, so you can focus on achieving your goals and stepping into your future with confidence and purpose.”

Abigail Hurgo, Chaminade’s assistant vice president of enrollment management, told KHON TV in a recent interview that the Hawaiʻi Guarantee Scholarship is an important program the university is proud to offer because “it makes it affordable for students to have a great private education here at Chaminade.”

As some of the first students to receive the award, both Nanea and Layla wholeheartedly agree.

“It’s helped me a lot because, besides tuition, I did choose to dorm for two years on campus and that actually brought down the overall cost by a lot for me,” Layla said. “So, I got to experience more as a college student.”

Likewise, Nanea said the new opportunity to pursue her studies at Chaminade at the in-state tuition rate saved her from having to make a very tough decision–leaving the state. It’s a decision she said a lot of graduating high school seniors in Hawaiʻi are forced to consider if they choose to continue on to college.

“I didn’t want to have to go away, obviously,” Nanea explained. “I was really avoiding it, but when it really comes down to it, I feel like a lot of locals are pushed out towards the mainland because of money costs, especially when it comes to school.”

The Guarantee completely changed the equation for her, Nanea said. “Having an opportunity like that is super important.”

Chaminade to Host Free FAFSA Workshop

Need help completing your FAFSA?

With the deadline approaching for college financial aid, Chaminade University will host a free workshop Jan. 8 for Hawaii students and families who need assistance completing the Free Application for Federal Student Aid—or FAFSA.

The workshop, free and open to the public, will be held from 5:30 p.m. to 8:30 p.m. at the University’s Vi & Paul Loo Student Center.

Attendees will get one-on-one assistance from counselors, and laptops will be provided so the FAFSA can be completed on-site.

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“We hope that college students and their families take advantage of this stress-free FAFSA completion event, where we’ll help you fill out your application from start to finish,” said Chaminade University President Lynn Babington, Ph.D.

“Whether you’re applying to Chaminade or any other college, our expert Financial Aid and Admissions staff will be on hand to guide you through every step of the process.”

Completing the FAFSA is a key step in the college admissions process, giving students a clear picture of the financial resources available to support their education. It’s not just about loans—students also need the FAFSA to qualify for free funding like grants and even scholarships.

Chaminade hopes to hold additional FAFSA workshops in the near future, but dates are still being worked out.

Those interested in attending on Jan. 8 are asked to RSVP, and students and family members are encouraged to have their Federal Student Aid IDs before the event.

To set up a free Federal Student ID, click here. And to contact Chaminade’s Financial Aid Office for more immediate questions, click here.

Yin and Yang

Thirty years later, two middle school besties will graduate in ’24

The last time they graduated was in 1994 from Mililani High School. And when May 2024 comes around, Rita Aponte ’24 and KerryLynn Vea ’24 will again don their caps and gowns, as they prepare to cross the stage of the Waikiki Shell to receive their bachelor’s degrees.  

BFFs since high school, Aponte and Vea were able to pursue their university degrees, thanks to Bank of Hawaii’s College Assistance Program (CAP), which allows its employees to get back on the path to obtaining their first four-year undergraduate degree with tuition reimbursement.  

Draped with lei, Rita Aponte, left, and KerryLynn Vea posed for their graduation photo from Mililani High School in 1994.

“The Bank started this program in 2016, and I started the following year,” says Aponte, Manager of Loan Operations with Bank of Hawaii. “And my bestie, KerryLynn, is also on this journey with me since we both always wanted to get our degrees.”  

Both Aponte and Vea chose to start their families at a young age, hindering them from attending college. The two friends since middle school always had plans to return to university, but family obligations and full-time jobs prevented them from entering the college system.

“I get emotional when I talk about CAP,” says Vea, who was in the credit union industry for 20 years before joining Bank of Hawaii in 2016 and is now its Assistant Vice President-Mortgage Compliance Analyst. “Before CAP, I was resigned not to get my college degree, rationalizing to myself, ‘Oh well, I don’t need a degree since I already have a career.’”  

The American Council of Education estimates that approximately 20 percent of graduate students and six percent of the much larger number of undergraduates receive some financial assistance from their employers to attend school. As many as a third of undergraduates in fields like business and engineering also receive tuition aid, which, on average, covers about one-third of the annual cost paid by post-secondary students.  

Initially, when Aponte and Vea enrolled in Bank of Hawaii’s CAP initiative, they were limited to four specific start times a year (January, April, July and October). Today, new applicants have the flexibility to enroll for courses on a monthly basis throughout the year, which is consistent with Chaminade’s online Flex program.  

“I’ve worked at credit unions where tuition assistance was always included in the employee manual book, but I never once saw it used,” Vea says. “Bank of Hawaii, on the other hand, vigorously promotes CAP and they champion it, putting funding behind it with no strings attached. The program is a 100 percent benefit to all employees.”  

Bank of Hawaii’s executives said they needed a partner that understood the Bank’s vision of what they wanted to achieve with its CAP program. However, they also wanted to make sure that the online learning experience was customized to the specific needs of the Bank’s employees since they wanted CAP to be “a real pillar and cornerstone of what Bank of Hawaii is all about.”

“We thought it was not only important to train our employees in specific banking-related issues, but also to help them expand their overall educational base,” says Peter Ho, Bank of Hawaii’s Chairman, President and Chief Executive Officer, in a video release. “From an education standpoint, the important thing is to really help shape the individual’s mind and spirit—and that’s what education is all about; that’s what college is all about.”  

Although, Aponte and Vea didn’t experience the traditional campus setting, they were able to take their classes online, via Chaminade’s Flex program model, allowing students to take one or two courses at a time—or more if they choose—as they work toward their degree. And the pace of coursework rests with them. They can complete online courses in as few as six weeks. Or, they can take their time, wrapping up a course in six months. Flex students are also able to complete courses wherever they are, even on the go.  

“It was a real struggle during the holiday season,” Aponte recalls. “Even when we went on vacation to Disney World, algebra came along with me.”  

KerryLynn Vea takes a break from her studies with her new son.
KerryLynn Vea takes a break from her studies with her six-week old granddaughter Ellie in 2018.

The Flex Online Undergraduate program is WSCUC-accredited (WASC Senior College and University Commission) and has a broad range of study disciplines, including business administration, criminology and criminal justice, historical and political studies, education and psychology. It is designed with working adults in mind, distancing itself from rigid term schedules and due dates to give students the flexibility they need to achieve a work-life-school balance and make progress toward reaching their goals.  

“I started at Leeward Community College for a semester and a half, but scheduling was really difficult,” Vea says. “I just couldn’t do it all with a full-time job, a family and attending classes; it was a lot.”  

Nor could Aponte.

“I didn’t think a college degree was in the books for me,” Aponte asserts. “It was always nagging at me to get my bachelor’s, but I used time and cost as excuses not to pursue it. And now I’m motivated to finish this and I can’t wait.”  

Thirty years will have elapsed by the time Aponte and Vea attain their bachelor’s degree, and through the three decades, they’ve raised families, enjoyed successful careers and supported each other through both good times and bad.  

“Getting the bachelor’s degree with Rita couldn’t get any better,” Vea says. “I always say I’m the Yin because I’m more subdued and quieter, and she’s the Yang because she’s more outgoing and vocal. We might be opposites, but through this college process, we’ve depended on each other and have been each other’s greatest cheerleader.”      

Paying for College: That’s Where Financial Aid Comes In

Jeff Scofield, Dean of Financial Aid

Jeff Scofield, dean of financial aid at Chaminade, knows that looking for help to pay for college can oftentimes seem daunting for students—and their parents. There’s the paperwork. The requirements.

And, of course, there are the questions. Do I qualify? Will I have enough? And where do I begin?

That’s why Scofield, who started at Chaminade in March, is on a mission to simplify the financial aid process at the university. In addition to getting students the financial aid information they need as early as possible, he and his team are working to streamline the process so families can have peace of mind.

He’s also working to let prospective students know financial need shouldn’t be a barrier to attendance.

“The importance of financial aid can’t be understated. It gives students and their families the opportunity to pursue higher education,” Scofield said. “We know if students can’t get their financial hurdles resolved, either they can’t get here to begin with or they can’t stay. The financial piece becomes more of a burden. We’re trying to remove barriers so students can concentrate on their studies.”

That’s critically important at Chaminade, where 97% of undergraduates get some type of financial aid.

During the 2020-21 academic year, nearly $16 million in aid was distributed to Chaminade undergraduates at the university, with an average of $15,000 in grants and scholarships awarded to each student. In addition, students received federal loans, alternative loans and federal work-study.

Scofield also has a message for the community: every donation to the University helps.

“There’s plenty of need. And for some students, it’s not thousands of dollars they need to make the difference, it’s hundreds of dollars,” Scofield said. “We can help make up that difference for students.”

Scofield comes to Chaminade’s Financial Aid office with nearly 40 years of experience in higher education, including most recently as the assistant vice president of student financial services at Seattle University. Prior to that, he served as director of financial aid at the University of Hawaii at Hilo.

It was that time on Hawaii Island that solidified his love for the islands and its people.

When he learned Chaminade was looking for a financial aid dean, he jumped at the chance to return, immediately doing his homework on the university and its mission. What he found, he said, was an institution that “gets it” when it comes to financial aid—and that’s not always easy to find.

Chaminade, he said, understands that financial aid is core to helping students achieve their dreams.

Financial aid counselor helping student with financial aid options and resources

It’s about excellence as much as it is about equity.

“Everybody I’ve talked to here has said, ‘Oh this is so important,’” he said.

Scofield leads a five-member financial aid team at Chaminade. His first order of business at the University, he said, was “listening more than talking.” He wanted to understand what was working when it came to financial aid, what wasn’t working and what needed to be fixed first.

He said he quickly realized that his highest priority needed to be streamlining the financial aid application process, and moving a long list of paper forms online. “If we can get more things automated and processes streamlined, it gives us more time to spend time with that student who’s really in an emergency,” he said. “Or we can have more time for student counseling and outreach.”

He acknowledged that revamping the system won’t happen overnight.

But the Financial Aid team has already made substantive changes that students and parents will notice. And he said the University is also working with a third-party vendor to debut an easy-to-use scholarship administration portal—a one-stop-shop for applying for scholarships and getting updates on awards.

He said he’s also eyeing a host of procedures to simplify and forms to digitize.

“It’s about doing anything we can,” he said, “to improve and speed up our processing.”