The term student effort (or self-help) is used to describe the combination of the following:

While the University works to maintain the lowest possible level of student effort, students should anticipate annual increases. Student effort expectations are set annually. The estimated level of Student effort for the 2017-2018 academic year are detailed below.

Estimated 2017-18 Academic Year and Summer Earnings Levels

Class Work-Study Summer
Freshman $2,900 $2,700
Sophomore $2,900 $3,150
Junior $2,900 $3,150
Senior $2,900 $3,150


 Estimated 2017-18 Loan Levels

    Group 1 Group 2 Group 3 Group 4
Total Income < $100,000 < $125,000 < $150,000 > $150,000
Freshmen $0 $3,000 $4,000 $5,000
Sophomore $0 $3,000 $4,000 $5,000
Junior $0 $3,000 $4,000 $5,000
Senior $0 $3,000 $4,000 $5,000


Student Contribution from Summer Earnings: 
The Student Contribution from Summer Earnings is a standard contribution required by Brown for all students. Brown expects that a student will earn funds during the summer to contribute toward the following year's academic expenses. The Summer Earnings Expectation is a part of the total Expected Family Contribution (EFC).

If a student decides not to work, takes an unpaid internship, or is unable to work due to athletic/academic commitments, the Summer Earnings expectation becomes a part of the student's financial need. When this occurs, most students can borrow additional loan funds in order to meet the increase in financial need. The Summer Earnings Contribution cannot be replaced with University Scholarship. Outside scholarships may reduce a student's Summer Earnings expectation.  For further information please review the Outside Scholarship Policy.

Work-Study/Campus Employment:
An academic year work-study/campus employment expectation is part of the federal financial aid program. This simply means that you have the opportunity to earn funds through working on-campus while here at Brown. For more detailed information on the work-study program and campus employment here at Brown, please visit the Student Employment website.

As you can see from the chart above, where a student will fall in the loan range is based on a family's total income. Total income includes taxable income (wages from work, interest, dividends, business income, etc.) and untaxed income (social security benefits, contributions to 401(k), 403(b), and IRA accounts, child support received, etc.). While Brown's standard loan levels are reviewed each year, total income used to assign a loan level is reviewed only once at the time of a student's first financial aid award. Loan levels will not be reevaluated based on a change to a family's income at a later date.