Our Deferred Start Program Helps Create Student Success

We’ll Hold Your Place While You Complete Your Tuition Assistance Steps

Sometimes students don’t have the necessary funds to start college immediately, so we’re here to help you through that process. We will hold your admissions spot while you apply for tuition assistance through our partners such as Hana Lima, Parents & Children Together, and the American Job Center Hawaii. When you have those funds, your college costs will be 95% paid for and you’ll be enrolled for the very next start.

We purposely keep our tuition costs low so these programs can help cover most of the cost. This will help reduce your stress level while you go through the process of getting the funds you need to succeed, and we’ll be there to help you every step of the way.

Students must be persistent and get the information requested back to these organizations as soon as possible. The faster you complete their requirements, the sooner you can start college and begin earning what you deserve. 

Talk to Your Admissions Counselor

During your talks with your Admissions Counselor, you can decide if you want to be placed on Deferred Start status, which gives you the time to gather the necessary funds to start college.

Required Documentation & Paperwork

It’s critical you complete the required documentation they will request from you quickly. The sooner you get approved, the faster you’ll be able to start on the path to your new career.

Remember We're Here to Help You Succeed

If you have questions along the way outside of these programs, your Admissions Counselor is there for you. Don’t hesitate to reach out to them and talk about what you can expect when you start college.

It's Time For College

Once you’ve completed your tuition assistance programs, we’ll schedule an onboarding time and place you into the next start at the front of the line. Easy!

Career College of the Pacific: Student Reviews

Dawn T.
Dawn T.
CMA Program
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"I was drawn to CCOPH on account of the quick and inexpensive courses, but what I came to find is how easy it is to relate to each of my classmates (and even the instructors!)...CCOPH encourages us to be self-directed learners. I appreciate that I can work at my own pace."
Lisa L.
Lisa L.
B/C Program
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"Before deciding to go back to school, I decided I wanted a career change. To make a difference in my life...My instructors and classmates are very supportive. I like my instructors. We all know we are not alone, we are going through this journey together." 
Kimi H.
Kimi H.
B/C Program
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"It was hard to decide whether or not to go back to school but Travis was great and so far its been positive. The teachers are very supportive and I love my free computer. Mahalo CCOP!"
Siam L.
Siam L.
CMA Program
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"Mahalo Pili for all your help in getting me going. The price is right, but what you get is so much more. REALLY LIKE IT HERE!"
Melissa K
Melissa K
CMA Program
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"Career College of the Pacific is a school that with help you get your certifications in the classes you take. Here at Career college of the pacific there is so many opportunities with them to help you get a new start for a new career path."
Brandee Y.
Brandee Y.
CMA Program
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"It has been a warm welcome, helpful resources offered, and wonderful staff and teachers. They help be attain career goals and help encourage the push needed to be at my best. I would advise many to check it our, its a lifelong relationship."
Kayla S.
Kayla S.
B/C Program
Read More
"great place to start. helped me understand. VERY affordable and online. admissions was really nice and free uniform and exam. wow"

Great Reasons To Choose Career College of the Pacific Today

  • An Affordable, Quality Vocational Education Experience
    • At Career College of the Pacific we want to ensure that our students have access to an education that is easy to afford and yet offers an exceptional degree of quality.  We offer discounts to students who pay in full and extend additional discounts to military personnel and their spouses. 
  • Real-World Skills Taught Here
    • Education should prepare you for a career, not just provide you with theories and information you won’t use after graduation. Career College of the Pacific focuses exclusively on skills you’ll need for your new career. Students will graduate with the skills they need to succeed.
  • Supportive Instructors and Staff
    • Our instructors and staff have years of experience in helping students just like you navigate the educational challenges we face here in Hawai’i today. We’re here to help ensure you are prepared for your certification exams and your new career.
  • Easy-to Understand & Customized Learning Materials
    • Whether you’re in the medical or technological programs, your material has been customized just for you.  From our interactive learning platform that offers real-life scenarios to using actual certification exam test questions we ensure you are prepared to enter your new career prepared and ready for success.
  • Career Placement Services
    • After your graduation our support doesn’t stop there like most schools!  We offer career placement support for our students to help them find a job fast.  Our relationship with island professionals helps us match students with the right working environment.

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Your future begins today.

Free Financial Aid Support. No Payments & No Money Down. Certification Training. We make college affordable for you. Contact us today for more information.

Contact Us Today To Get Started On Your New Career!

In submitting this form I consent to being contacted by Career College of the Pacific by phone and text message. Your information is confidential and will only be used by the college for contact purposes.

© 2023 Career College of the Pacific. All Rights Reserved.

  • Students applying through the American Job Center Hawai’i are not eligible for simultaneous enrollment and attendance. In order to qualify, students must first be placed on a deferred start if they opt to apply for AJCH funds.
  • Scholarship and Grant funds are not available for the CNA program.
  • Money Back Guarantee program is for long-term programs only. CNA programs do not qualify for the Money Back Guarantee program.
  • PersonAbility™ is a registered trademark of the National Healthcare Association.
  • Income specifications are based on the median average salary for the State of Hawai’i as defined by the Bureau of Labor Statistics, as cited on the Allied Health Schools website. Program pricing applies solely to individual programs.
  • Program costs, taxes, and other fees are subject to change without notice at the time of publication. For the most current information, please consult with your admissions advisor.
  • Interest is calculated at a rate of 19% monthly, in addition to the balance of outstanding funds over the duration of the program, and is subject to change without notice.
  • The Career College of the Pacific assists students with computer discount programs and, in certain cases, offers students the use of college-owned computers during their enrollment. These computers remain the property of the Career College of the Pacific until the student’s graduation. Students who withdraw, drop out, or fail to complete the program are obligated to return the computer system within 10 days. Failure to do so will result in the system’s cost being deducted from any refund due.
  • The maximum number of billing and coding certifications is two, and CompTIA is four. The college covers the cost of a single certification exam, as outlined in the student catalog. The monthly payment estimates provided are examples and do not represent actual monthly costs. The estimates are based on average calculations for students with poor to medium credit scores and are derived from total tuition costs. The actual cost may vary once the third-party finance company has conducted a credit check and taken other factors into account. Pricing is subject to change without notice, and all monthly pricing is based on examples and not actual students. The Career College of the Pacific makes no guarantees regarding any monthly payment, is not obligated to provide one, and the student agrees to assume all risks associated with third-party financing.
  • Computer Loan Program for Eligible Students at Career College of the Pacific

    1. Objective: The aim of this policy is to support eligible students at Career College of the Pacific by providing a computer system on loan. This initiative is designed to assist students with their academic studies. The computer system remains the property of Career College of the Pacific until the student graduates and meets all academic and financial obligations.

    2. Eligibility Criteria: To be eligible for this program, students must meet certain income criteria. Specifically, the household income of the student should not exceed 130% of the Federal Poverty Guideline amounts for Hawaii. The specific income limits based on household size are as follows:

    • For a 1-member household: $20,319
    • For a 2-member household: $27,378
    • For a 3-member household: $34,437
    • For a 4-member household: $41,496

    3. Application Process: Students interested in this program should request a computer system from their admissions counselor. To support their request, students must provide documentation that verifies their income and household size. This should include a copy of their most recent tax return.

    4. Terms and Conditions of Use:

    • The computer system, provided on loan, remains the property of Career College of the Pacific and should be primarily used for educational purposes related to the student’s studies at Career College of the Pacific.
    • Students are required to maintain the computer system in good working order.
    • In case of damage or loss, students will be responsible for the cost of repair or replacement.
    • Improper use of the computer system may lead to the termination of the loan agreement.

    5. Completion of Loan:
    Upon graduation and completion of all academic and financial obligations to Career College of the Pacific, the ownership of the computer system will be transferred to the student.

    6. Non-compliance: Failure to comply with the terms and conditions of this policy may lead to the termination of the loan agreement, and the student will be required to return the computer system immediately to Career College of the Pacific. If a student fails to return the computer system at their own expense, collection action may be initiated against the student. This includes all court and legal fees associated with the collection process.

Financial Aid Guarantee Program Disclaimer & Information

Disclaimer: Career College of the Pacific is committed to ensuring that all students have the opportunity to pursue their educational goals through our Financial Aid Guarantee program. Qualification for financial aid is subject to approval through Climb Credit. All students will qualify for financial assistance; however, the specific terms of the aid, including down payment amounts and payment schedules, are determined by Climb Credit based on individual creditworthiness. Students may be offered different financial aid packages, which could include either no initial down payment with deferred payments post-graduation or a plan requiring 10% down with monthly payments spread over 24 months commencing 30 days after program start date. Career College of the Pacific does not have any influence over Climb Credit’s decision-making process regarding the assignment of financial aid terms. Please refer to Climb Credit’s policies and terms for full details.

Financial Aid Program Guarantee

At Career College of the Pacific, we are committed to making education accessible. We’re proud to partner with Climb Credit to offer two distinct financial aid programs to our students:

Deferred Payment Plan: Eligible students may qualify for a program that requires no down payment with payments deferred until after graduation. Eligibility for this program is based on the applicant’s creditworthiness as determined by Climb Credit.

Immediate Repayment Plan: Students who do not qualify for the deferred payment plan may be eligible for an immediate repayment plan that includes a 10% down payment with monthly installments beginning 30 days after the start of classes.

All students are guaranteed to qualify for one of these two financial aid programs, but the specific terms, including down payment and payment schedule, are based on the comprehensive credit assessment carried out by Climb Credit. The 10% down payment is the minimum required to commence any of our programs, and this down payment amount is part of the total program cost.

Please note that Climb Credit is an independent entity, and while Career College of the Pacific facilitates the financing process, the final determination of financing terms and eligibility lies solely with Climb Credit. We encourage all prospective students to review the terms and conditions provided by Climb Credit thoroughly to understand the obligations and commitments associated with the financing offered.

For more information, please contact our Financial Aid Office or visit Climb Credit’s website to learn more about your options and the application process.

This disclaimer is subject to changes and updates, and the most current version can be found on our website or obtained by contacting our office directly. Career College of the Pacific does not guarantee the accuracy of information provided by external organizations.

Financial Aid Guarantee Disclaimer

At Career College of the Pacific, we are committed to making education accessible to all. That’s why we offer a unique Financial Aid Guarantee: If you meet our eligibility criteria and we cannot secure financial aid on your behalf, we will waive your tuition fee.

Eligibility Criteria for Financial Aid Guarantee:

    • Submission of all required financial aid application forms by specified deadlines.
    • Compliance with all financial aid interview and document submission requests.
    • Demonstrated financial need, as determined by a standard needs analysis system.
    • Acceptance into an eligible program of study.

Terms and Conditions:

    • The Financial Aid Guarantee applies only to tuition fees; other fees and expenses are not covered.
    • This offer applies only if financial aid is denied due to circumstances beyond the student’s control. Students who are ineligible for financial aid due to past academic performance, disciplinary actions, or similar factors are not covered by this guarantee.
    • The guarantee is valid for one academic program at a time and is subject to review and renewal for each subsequent program.
    • Students must not have previously declined financial aid for which they were eligible.
    • The waiver of tuition under the Financial Aid Guarantee is provided in the form of a scholarship or grant administered by Career College of the Pacific.

Additional Details:

    • This guarantee does not apply if financial aid is available but the student elects not to take it.
    • The waiver is not transferable and has no cash value.
    • If the student becomes eligible for financial aid after the tuition waiver has been applied, the waiver will be rescinded, and the financial aid will be applied to the student’s account.
    • Career College of the Pacific reserves the right to modify or discontinue this guarantee at any time without prior notice, subject to applicable laws and regulations.

We encourage all prospective students to speak with our financial aid advisors to understand all the financial options available to support their education goals.

Flash Sale Terms & Conditions

Eligibility: This flash sale is exclusively available for new enrollments in the Medical Assisting and Medical Billing and Coding programs at Career College of the Pacific.

Enrollment Process: Eligible students must complete the entire enrollment process, including submission of all required documentation and payment of tuition. Only students who successfully complete the enrollment process will qualify for the flash sale offer.

Payment Terms: This offer is valid only for students who pay their tuition fees in full at the time of enrollment. Students opting for financing or installment payment plans will not be eligible for the flash sale discounts.

Duration of the Sale: The flash sale is valid on Wednesday, March 13th, and applicable to enrollments made on this date only. The college reserves the right to extend or terminate the sale at its discretion.

Limitations: The flash sale offer cannot be combined with any other promotions, scholarships, or financial aid packages. Students who have previously enrolled in, withdrawn from, or completed any program at Career College of the Pacific are not eligible for this offer.

Refund Policy: Tuition fees paid under the flash sale are subject to the standard refund policy of Career College of the Pacific. In case of withdrawal from the program, refunds will be processed as per the existing college policies without any exceptions for flash sale participants.

Changes to the Offer: Career College of the Pacific reserves the right to modify, suspend, or terminate the flash sale offer at any time without prior notice. Any changes will be communicated through official channels.

Disputes: Any disputes related to the flash sale will be resolved in accordance with the dispute resolution procedures outlined in the Career College of the Pacific’s catalog. Career College of the Pacific reserves the right to make the final decision on all disputes, consistent with state laws where the college is located and the policies detailed in the college catalog.

By participating in this flash sale, the student agrees to these terms and conditions. It is the responsibility of the student to fully understand and comply with all the terms outlined above.

**Meet or Beat Tuition Guarantee:

At CCOP, we are committed to providing not only exceptional education but also the best value for our students. For any prospective student considering private vocational training on the island of Oahu, we offer a “Meet or Beat” tuition guarantee. Should you find a lower tuition price for a comparable program offered by another private vocational college located on Oahu, we promise to meet or beat that tuition price, ensuring you receive the best possible deal.

Terms and Conditions:

This offer is subject to the review and approval of our admissions team and senior college administrators to ensure that comparisons are fair and the programs are truly comparable in terms of duration, curriculum, accreditation, and outcomes.
This guarantee is applicable only to similar offerings from other private vocational colleges located on the island of Oahu.
Limitations apply. The offer does not cover additional costs such as fees, supplies, or accommodations.
This is a limited-time offer, valid until April 15th. Prospective students must submit proof of the competitor’s lower tuition by this date to qualify for the price match.

Money Back Guarantee

1. Introduction

The Institution and the Student hereby mutually covenant to adhere to this Agreement, delineating the terms and conditions under which the Student may partake in the Guarantee associated with the Programs.

2. Eligibility for the Money Back Guarantee

2.1 First Exam Attempt and Timeframe

• The Institution shall underwrite the cost of the Student’s initial certification exam attempt exclusively.

• The primary exam must be undertaken within ten (10) business days subsequent to the successful completion of their externship requirement.

• A maximum temporal window of 65 calendar days from the first exam is allocated for three exam attempts.

• In the event of an inability to retake the exam within the stipulated timeframe, a detailed explanation must be submitted to, and receive approval from, the instructor. Special circumstances will be subject to review and approval by the Director of Education and the College President.

2.2 Passing Grade

• The Student shall maintain a minimum cumulative GPA of 3.0, calculated at the end of their respective module, throughout the Program.

2.3 Externship Completion

• Successful completion of the externship requirement necessitates that the Student completes the prescribed number of hours and secures a satisfactory review from the externship site.


2.4 Additional Exam Attempts

• Subsequent exam attempts beyond the initial shall be financially shouldered by the Student.

• Documentary evidence of each exam attempt, provided by the National Healthcareer Association (NHA), must be conveyed to their instructor.

• The 65-day window for retakes commences from the date the Student undertakes their first exam.

2.5 Student Engagement and Communication

• The Student shall exhibit proactive engagement in successfully completing their NHA certification exam and maintaining communication with their instructor. The obligation of maintaining regular communication resides with the Student.

• The Student shall adhere to all mandatory revision and support sessions, maintain a 95% attendance record throughout the course, and sustain a 3.0 GPA as defined above.

2.6 Emergencies and Special Circumstances

• Situations such as family emergencies or occurrences outside the scope of this Agreement, which hinder adherence to these guidelines, are subject to review and approval by the Director of Education and the College President.

2.7 Appeals Process

• Any appeals related to the Guarantee shall be adjudicated by the student appeal process as enunciated in the Student Catalog.

3. Financial Obligations

3.1 Exam Fees

• The Institution will finance the first attempt at the certification exam.

• All fees and related costs for subsequent exam attempts are the onus of the Student and shall be transacted directly between the NHA and the Student.

3.2 Refund Mechanism

• Refunds shall be processed within a temporal framework of ninety (90) days from the determination of eligibility.

• Upon initiation of the refund process, the Student shall receive an email confirmation at their registered email address.

3.3 Cancellation Policy

• The cancellation policy is meticulously outlined in the Enrollment Agreement and the Student Catalog, to which the Student has acceded upon enrollment.

3.4 Obligations upon Refund

• Should a refund be issued, the Student is obliged to return all computer equipment and materials provided by the Institution during the tenure of the Program.

3.5 Compliance

• The Student agrees to adhere to all financial obligations and policies as outlined herein, in the Enrollment Agreement, and in the Student Catalog. Non-compliance may result in penalties, additional fees, or cessation of participation in the Program and subsequent participation in the Guarantee.

3.6 Dispute Resolution


• Any financial disputes arising under this Agreement shall be resolved as per the dispute resolution mechanism propounded in the Enrollment Agreement and Student Catalog.

4. Student Commitments and Compliance

4.1 Engagement

• The Student agrees to immerse fully in the Program, ensuring attendance, participation, and assignment completion as stipulated in the Student Catalog.

4.2 Adherence to Policies

• The Student shall adhere to all administrative and academic policies of the Institution.

4.3 Violation of Policies

• Any infraction of the policies contained within the Student Catalog shall invalidate the Student from participation in the Program.

4.4 GPA Maintenance

• The Student consents to maintain a minimum cumulative GPA of 3.0 to retain eligibility for the Money Back Guarantee.

5. Application for the Money Back Guarantee

5.1 Application Submission

• The Student is obliged to submit a formal application to invoke the Money Back Guarantee within a stipulated timeframe of 10 days from the date of the official NHA notification of the third failed exam attempt.

5.2 Documentation Requirements

• The application must be concomitant with all pertinent documentation, as specified and required by the Institution, to validate the claim for the Money Back Guarantee.

5.3 Verification of Information

• The Institution expressly reserves the right to verify all information provided within the application and accompanying documentation.

5.4 Discrepancy and Violation Checks

• An application may be denied if discrepancies are identified in the provided information or if the Student is adjudged to be in violation of any terms set forth in this contract or the Student Catalog.

6. Refund Process

6.1 Approval and Processing Timeframe

• Upon approval of the application, the Institution shall process the refund within ninety (90) days.

6.2 Method of Refund

• The refund shall be issued via the original payment method used by the Student, and details of the mechanism will be communicated upon approval of the application.

6.3 Alternative Support Mechanisms


• The Institution reserves the right to offer alternative support mechanisms to the Student prior to initiating the refund process.

7. Ethical and Legal Compliance

7.1 Ethical Engagement

• The Student commits to engaging ethically in all activities correlated to the Program and the Money Back Guarantee, ensuring adherence to all applicable laws and regulations.

7.2 Compliance with Guarantee Terms

• The Student explicitly acknowledges that any attempt to manipulate or violate the predetermined terms of the Money Back Guarantee may precipitate disqualification from the Guarantee and potential legal repercussions.

8. Privacy and Data Protection

8.1 Compliance with Data Protection Laws

• The Institution pledges to manage all personal data of the Student in stringent compliance with applicable data protection laws.

8.2 Data Sharing

• The Institution shall refrain from sharing the Student’s data without their explicit consent, save for instances where it is mandated by law.

9. Miscellaneous

9.1 Amendment Rights

• The Institution reserves the unequivocal right to alter or amend this contract as necessary, with all such changes being communicated to the Student in a timely and transparent manner.

9.2 Governing Laws

• This contract is comprehensively governed by the laws of the State of Hawaii.



Career College of the Pacific Hawai’i
Certified Medical Billing & Coding Program

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Career College of the Pacific Hawai’i
Certified Medical Assistant Program

In submitting this form I consent to being contacted by Career College of the Pacific by phone and text message. Your information is confidential and will only be used by the college for contact purposes.

Career College of the Pacific Hawaii

In submitting this form I consent to being contacted by Career College of the Pacific by phone and text message. Your information is confidential and will only be used by the college for contact purposes.