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AI Overview

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Brown University does not include loans

 in its initial financial aid packages for undergraduate students; instead, it meets 100% of a student's demonstrated financial need with scholarships and grants that do not need to be repaid. 

However, students may still choose to pursue optional federal or private loans to cover additional expenses if they wish. 

 

The Brown Promise

Through an initiative called "The Brown Promise," the University is committed to ensuring students can graduate debt-free from the institution. 

• Need-Blind Admission: Brown's admissions process is "need-blind," meaning an applicant's ability to pay the cost of tuition does not affect the admission decision.
• Full Need Met: The university meets 100% of the demonstrated financial need for all admitted students.
• No Packaged Loans: All financial aid packages for undergraduates are met with scholarship and grant funds only.
• Generous Support: For most families with an annual income under $60,000, parents are not expected to contribute anything toward their student's education. Brown also covers full tuition for families earning $125,000 or less with typical assets. 

 

Optional Loans

While not part of the standard aid package, Brown students can still apply for loans if they choose to, for reasons such as covering personal expenses or reducing a family's expected contribution. 

Students can request to borrow from the following options:

• Federal Student Loans: U.S. citizens and permanent residents can apply for Federal Direct Subsidized and Unsubsidized Loans by submitting the FAFSA (Free Application for Federal Student Aid).
• Brown Institutional Loans: Need-based loans offered directly by the university to students with high financial need who may be ineligible for federal programs.
• PLUS Loans: Credit-based Federal Direct PLUS Loans are available to qualifying parents of undergraduate students (Parent PLUS) or to graduate students (Grad PLUS).
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