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How To Afford College Monthly Payments

We wanted to share this with you since we always encounter this situation with students:

You have a job, but you want a medical assistant or billing and coding specialist career. You know the pay is better; you see, the outlook is better for you, your family, and your kids, but you know it’s expensive. So how can you afford the monthly payments and still manage to go ten months to start getting the money you deserve to reach that better life? It would help if you started cutting back on spending money that really don’t need to, but where do you start?

Constantly Remind Yourself What Your Goal Is

It will help if you remind yourself every morning (and sometimes more) of why you’re making these sacrifices, and that’s it to put you and your loved ones in a better place mentally and financially. It takes hard work to succeed, but you can do it if you stick to it. Nothing happens immediately, but it will happen.

Stop Going Out To Dinner / Meals

You’ll always enjoy dining out. However, since eating out can drain your finances, we’d recommend reserving it for special occasions only. However, even then, many restaurants will offer free birthday meals. If you find yourself enjoying eating and drinking and can’t give it up, you might want to check if your area has any discounts on food or offers student discounts at restaurants.

Lose The Expensive Makeup / Makeovers / Shoes

When looking for shoes, apply the same rules as when looking at clothes: How much is the shoe? Do I need it? How does this help me achieve my goal of becoming a certified medical assistant or billing and coding specialist? The same goes for expensive eyelashes, makeovers, and self-indulgent items that can run hundreds of dollars a month. Do you need these things, and can you put them off until you have a great paying career? It is always worth the sacrifice.

Make Your Own Coffee

Buying expensive coffee when you hang with friends can quickly add up. Think about it: three cups of expensive coffee per week can total over $100 a month you’re spending….on coffee! Wouldn’t you instead put that towards improving yourself and your financial situation? Make coffee at home, and bring it with you when you meet your friends. I’m sure they won’t mind the sacrifices you’re making to improve yourself; they should support you!

Stop Buying Things On Impulse

What’s an impulse buy? That’s the “Oh, I Gotta Have It” feeling you get when you see something you want without thinking about it. You need to train yourself to stop, pop, and think! You’d be surprised at how fast impulse buys can add up, and the next thing you know, you could have paid for a month of college if you just stopped to think before buying. Just remind yourself again of why and what you’re doing. Just like you do every morning when you get up. Here’s an idea! Get a jar, keep the money you would have spent on impulse buys, and put that towards paying your monthly tuition. See how fast it adds up, and when you make that tuition payment, you’ll be proud you did!

Start making a few changes, and you’ll see the difference. You can afford more extensive and better things once you have secured that great career, but you must sacrifice to get there. It will be worth it in the end!



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  • “First Class Free” Program: Career College of the Pacific is delighted to extend our “First Class Free” Program to all students enrolling throughout the year. This limited-time offer, subject to change or termination without notice, allows students to participate in their initial class of the first five-week module at no charge, effectively providing a $1000 discount on tuition fees. The offer of a free computer system is separate and does not apply to this program.

    Students benefiting from the “First Class Free” Program are required to attend classes and submit assignments in a timely manner, or they face the risk of immediate dismissal from the college. This applies to all students, including those benefiting from third-party tuition assistance programs such as PACT or the American Job Center Hawai’i.

    For any further inquiries, please contact our business office directly at [email protected].

  • 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.

  • 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.

  • CompTIA is a registered trademark of CompTIA, with training programs commencing in late 2023.

  • 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.

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Just one more thing..

We can help you into a great paying career today, but you have to take the first step. We’ll help you on the path to success, so contact us today.

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