Tuition and Financial Aid

Step 1: Complete the Parents’ Financial Statement (PFS)

In order to help determine eligibility, Mid-Pacific uses School and Student Services (SSS) by Community Brands. Admission applicant families for the 2023-2024 school year must submit the completed Parents’ Financial Statement (PFS) and the $60 non-refundable fee by February 14, 2024.

Access the SSS website and read the information presented. When you are ready to complete the form, click on the green Complete Your PFS link.

Only one PFS is required for multiple children and for those applying to other independent schools; however, document requirements differ at all schools. Remember your password; you will need it to “save” your work-in-progress and to return to the PFS at a later time.

About 24 hours after you have paid for and submitted your PFS online, you will have access to the Manage Documents section of the PFS Online. You can now upload documents (see next section) and view your Family Report that summarizes the information that will be provided to Mid-Pacific.

Please call the Mid-Pacific Financial Aid Office at (808) 973-5003 or email financialaid@midpac.edu.

Helpful School Information

School Name: Mid-Pacific Institute
SSS School Code: 1439
Financial Aid Office: (808) 973-5003

Step 2: Submit Additional Required Documents

Complete all required documents and submit them online. We do not accept or require hard documents in-office. See the checklist below.

*Additional documents may be required depending on the individual family’s situation

 

Mid-Pacific Mailing Address

Mid-Pacific Institute*
Financial Aid Office
2445 Ka‘ala Street
Honolulu, HI 96822

For current Mid-Pacific families, please reference the “Tuition, Student Billing Enrollment & Financial Resources” tab on the Resource Board in myPueo.

New admission applicants for the 2023-2024 school year:

For current Mid-Pacific families, please reference the ‘Tuition, Student Billing Enrollment & Financial Resources” tab on the Resource Board in myPueo.

Decision Letter Announcement Dates

March 2023

Financial aid award letters mailed in late March to newly accepted students entering grades 6 to 12, if complete financial aid application and all required documents received by the due dates.

Please Note: No financial aid is available for preschool students.

Notes:

Both New Admissions Applicant and Current Mid-Pacific Student
If a family is applying a new student for the 2023-2024 school year and has a currently enrolled Mid-Pacific student, please follow the deadlines and requirements for “Current Mid-Pacific Student for the 2023-2024 school year.”

Divorced Or Separated Parents
Mid-Pacific’s financial aid policy considers that both biological parents have an obligation to contribute to the extent they can to their children's educational expenses. Assets and income of both biological parents are taken into account. Mid-Pacific cannot be bound by the assertion that one parent has disclaimed legally or otherwise any responsibility for educational expenses. If either parent has remarried, income of the step-parent will be considered, keeping in mind the obligation of that step-parent to his or her natural children. If either parent lives in a household with another adult, Mid-Pacific may consider the assets and income of that person, depending on circumstances. In view of this, both biological parents and their current spouses need to fill out a separate PFS form.

Non-discrimination Policy
Mid-Pacific Institute, in the administration of its programs, does not discriminate on the basis of race, color, national or ethnic origin, religion or gender, in administering its educational or admissions policies, financial aid, athletic or other programs.

The process of admissions and financial aid are unrelated, and the need for financial aid will not affect admission to Mid-Pacific Institute.

Financial assistance will be considered based on demonstrated financial need, leave, availability of funds, and information provided on the PFS. With current families, Mid-Pacific also considers tuition payment history.

1. Should I apply for financial aid?
   Private school education is the responsibility of the entire family. With that being said, families should first evaluate all resources available to them and try to maximize earnings and alter spending habits. Would your family be able to pay approximately $2,700 per month, for ten months, for your child's education? If no, your family may be a candidate for financial aid.
    

2. How do I apply?

   The fastest and easiest way to apply for financial aid is online. The financial aid packet contains the information from the School and Student Services program, an independent service that Mid-Pacific utilizes. Parents are required to complete the SSS Parents’ Financial Statement (PFS) application preferably online. Mid-Pacific's financial aid application packet explains in detail other documentation (such as Federal 1040 income tax returns, W-2s, etc.) that is required by the school, and where these documents should be uploaded.
    

3. How does the school determine financial need?

   The School and Student Services By Community Brands uses a formula nationally accepted among independent schools to analyze need and provides a preliminary estimate of a family’s ability to contribute to educational expenses. SSS provides Mid-Pacific with a report of the family’s finances. Mid-Pacific uses the “Estimated Family Contribution” figure from SSS to rank the relative need of the family applying for our limited financial aid resources. Mid-Pacific awards only a percentage of the SSS-calculated family need.

   There is no preset income figure that qualifies a family for aid. Numerous factors are considered in determining need, including but not limited to family size, assets, debt, and number of children in tuition-charging schools or colleges, as well as care responsibility for an elderly parent. The school looks at the application, and it differentiates between necessary expenses and money spent for lifestyle choices. The school does not provide financial aid to make up for “lifestyle” expenditures that could have been directed to education.
    

4. What should I do if I'm not sure whether I can afford the tuition and whether I should apply at Mid-Pacific?

   It is usually best to start the admissions application process before applying for financial aid. Your child may be eligible for financial aid; however, you may miss the admissions deadline or all openings may become filled before you begin the admissions application process.
    

5. What if I have more than one child attending Mid-Pacific?

   Parents with more than one child at Mid-Pacific should apply for financial aid for all children.
    

6. What if I have children at other tuition-charging schools?

   Other (Kindergarten through grade twelve) private school tuitions you pay are figured into the calculations of need. In order to receive aid from Mid-Pacific, parents must apply for aid at all schools their children attend. College tuition money is regarded as an investment rather than an educational expense, as it pays for itself in higher income levels quite rapidly. For this reason, both parents and students frequently take out federally subsidized loans, in addition to the direct aid that is available at the college level.
    

7. Do you offer financial aid for preschool students (three- and four-year-olds)?

   No. Due to the small student-teacher ratio, Mid-Pacific is unable to offer financial aid to our pre-school families. Families can apply for financial aid beginning in Kindergarten.
    

8. Are there scholarships other than the usual financial aid?

   Yes. There are scholarships at Mid-Pacific for exceptional students who excel in the arts, athletics, or academics ~ the Alumni, Clark, Hipp, Imoto, Sekiya, Wheeler, and Wood scholarships ~ all of which are both merit- and need-based.
    

9. What if my family can’t afford the SSS fee?

   SSS now uses the financial information in the financial aid application itself to means-test a family's situation, and automatically applies a fee waiver if the family qualifies under the new criteria. If the family qualifies, their payment is automatically waived, the system bypasses the payment screen, and they receive confirmation of payment by the waived fee. If a family does not qualify for the SSS means-based waiver, they will need to reach out to the school or access organization to inquire about the possibility of receiving a fee waiver. A helpful FAQ for parents is available at http://solutionsbysss.com/fee-waivers. Contact SSS School Support at 800-344-8328 or sss-cst@communitybrands.com. Contact Mid-Pacific Financial Aid at (808) 973-5003 or financialaid@midpac.edu.
    

10. Does applying for financial aid reduce chances of admission?

    Mid-Pacific's Admissions Committee and Financial Aid Committee are independent of each other. Applying for financial aid has no bearing upon the admissions process. While Mid-Pacific is committed to meeting the demonstrated need of accepted students, there is a limited amount of aid available.
     

11. Do I need to reapply for financial aid each year?
    Yes, unless your family's circumstances allow you to cover tuition costs in full. As long as your financial need continues, the school will continue to try to assist you. Adjustments will be made each year based on the information provided, changes in your family's financial picture, availability of financial aid funds, and the number of applicants.
     
12. Will my child’s financial aid award change from year to year?
    Financial aid is recalculated each year using information from the current Parents’ Financial Statement. If there is little or no change in the financial circumstances, a family can generally expect awards to remain at approximately the same level. The financial aid awards, however, may be affected by the total funds budgeted and the number of applicants.
     
13. What should I do if I have copies of all the required documents for the school, except my Federal income tax return?
    You should submit your copy of the PFS and all other documents to your SSS account. Your account will only be acted upon when all documents are received. It should be noted that the financial aid will not be granted until the Federal 1040 income tax return (including all schedules) is received.
     
14. Do I mail the IRS Form 4506-T to the Internal Revenue Service?
    Not required.
     
15. When would I be notified of the financial aid award?
    Parents of new incoming middle and high school students will be notified of financial aid awards in March before the parents’ admissions decision date in March of the financial aid award (if the financial aid application was completed on time). Parents of returning students will be notified in February (provided that the financial aid application was completed on time).
     
16. Are there any conditions of this financial aid award?
    Yes. The financial aid recipient must maintain a satisfactory record of grades and citizenship. In addition, tuition payment history by parents may affect financial aid awards.
     
17. If a student is not receiving financial aid, could he or she apply for financial aid during the second semester of the school year?
    Yes, parents should complete the PFS (Parents’ Financial Statement) and submit all requested documents (Federal 1040 income tax return, W-2s, etc.) to their SSS account. If financial aid funds are available (due to the departure of a student or students who received financial aid), a financial aid award may be made for the second semester.
     
18. In financial emergencies, what should I do?
    The parents should contact the Business Office at (808) 973-5069 if a family financial emergency should occur. For information, participation in the Tuition Refund Plan (TRP) offers tuition-payment protection for (1) the departure of your child for any reason, including medical, withdrawal, or dismissal during the school year; and (2) the death of a parent who is listed on the tuition contract. Under this plan, a percentage of the unused portion of the tuition for school days remaining (less financial aid awarded) is paid by TRP to the school. (Please note that depending on the circumstance, an outstanding tuition balance may remain.)
     
19. Do I have to repay the financial aid received?

    No. Families are not expected to repay the financial aid awards. After the students who received financial aid begin their professional careers, Mid-Pacific would hope that the student/family would contribute monetarily to support our programs through the Annual Fund, Capital Campaign, Endowment, etc.
     

20. Can a family appeal for additional aid if the amount of award is insufficient?
    Yes. Appeals may be submitted to Mid-Pacific’s Financial Aid Office with whatever additional information is available regarding the financial situation of the family. The written request should explain what has changed since the PFS was submitted and why reconsideration should be made, along with proper documentation.
     
21. Are there payment plans or loans available?
    In addition to a lump-sum payment, the school has plans that allow families to spread the cost over two or ten payments. All financial aid recipients, whether paying by one lump-sum, or two- or ten- payment plans, are automatically charged for the Tuition Refund Plan (TRP). Low-interest educational loans are available through special programs run by some banks, credit unions, and various financing companies that can be found on the internet (“loans for private elementary and secondary school education”).
     
22. What should I do if I need to turn in our tuition contract and deposit, and I don't know what the financial aid amount is?
    Turn in the tuition contract and deposit with a note indicating that you have applied for financial aid. If you are on the FACTS plan, you will be notified of your new monthly deduction if financial aid is awarded.
     
23. Would I lose the tuition deposit if the financial aid amount is insufficient and my child goes to a public school?
    No. Your deposit will be refunded if you are unable to afford the tuition after the financial aid is applied to the total amount due and your child attends a public school. A copy of your child's class schedule or other documents from a public school would be required in order to receive a full deposit refund.
     
24. Are there exceptions to any of the above policies?
    Requests for consideration of extenuating circumstances (such as a missing parent or one who has not provided support and has not been in contact with the family for at least two years) should be explained in the PFS. Documents from an official source, such as a family doctor, attorney, social worker, employer, clergy, etc., explaining the location, involvement, etc., of the non-custodial parent would be required.
     
25. What if I have additional questions?
    Contact the Financial Aid Office at financialaid@midpac.edu or (808) 973-5003. We will do our best to help.