Mālama Education Loan

Education can be expensive, and full of unexpected expenses. This loan can help meet school-related expenses—from preschool, through grade school, and even post-secondary education.

Some uses of the loan:

  • School tuition (e.g., preschool, trade school, K – 12, college, post graduate)
  • Campus charges, books, etc.


$2,500 – $20,000

Rates & Terms

  • 5.00% – 6.00% APR
  • Up to a 1-year term


  • U.S. Citizen
  • State of Hawai‘i Resident
  • Applicant must be of Native Hawaiian ancestry
  • At least 18 years of age
  • Credit score 600 or higher
  • Debt-to-income ratio is no more than 45%

Required Documents

  • Proof of Hawaiian ancestry: verified by current OHA Hawaiian Registry card
  • Proof of Hawaii residency: driver’s license or state ID
  • Tuition and expenses/fees breakdown 
  • Acceptance letter
  • 2 years most recent federal tax returns with all schedules
  • 2 years most recent W-2(s)
  • 1 month current consecutive pay stubs


Applying for a loan is as easy as 1, 2, 3:

  1. Create a secure user account.
  2. Gather your documents.
  3. Complete the online application.

The process typically takes 20-25 minutes. Once you complete the application, a lending associate will contact you within two business days. Once an application has been approved, documents can be signed and funds disbursed usually within five to eight business days.

The Loan Portal is compatible with most computers and laptops.  You may experience technical issues when applying with a cell phone or tablet device.  For more information or if you require trouble shooting assistance, please contact us at (808) 594-1835, NHRLF@ohaloanfund.org, or contact your OHA neighbor island office.


To ensure your loan application is processed in a timely manner, we highly recommend submitting your loan application once you have prepared all required documents and are ready to upload the documents to the online loan application. If you submit a completed application (all required documents provided) your loan processing wait time will be significantly shorter.  MAHALO

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