Understanding your Student Contribution  

The Student Contribution is an annual contribution students are expected to provide toward their college costs and consists of the following:

  • Summer Earnings Expectation  
  • Student Asset Contribution, if applicable

The Summer Earnings Expectation is a standard contribution required by Brown for all aided students.  For the Class of 2022, the Summer Earnings Expectation is $2,750.  Students generally earn these funds during the summer to contribute toward their educational costs.  The Student Asset Contribution is an expected percentage of a student’s reported assets. Not all students have an expected contribution from assets. 

If you cannot earn all or a portion of your Summer Earnings Expectation, you may:

1. Use an outside scholarship to replace your summer earnings

  • If you will be receiving scholarship funding from an outside source, please complete the 2018-19 Outside Scholarship Form. The Office of Financial Aid will use your outside scholarship(s) to reduce your Summer Earnings Expectation. If the scholarship is being sent to Brown, the anticipated payment will be applied to any unpaid balance on your student account.

2. Borrow a student loan to replace your summer earnings

  • If you are interested in federal student loans, please use the ‘Request Loans or Accept Loan Offers’ link in Banner Self-Service to request a loan. Additional information on federal loans can be found on the Loan Office website

Watch our video on the Student Contribution in our video library. 

Buying your Books

An estimate for books and supplies is included in your Cost of Attendance to recognize you will incur these expenses. You should be prepared to pay for books, supplies, and personal items out of pocket from your expected Parent and/or Student Contribution and Campus Employment when you arrive on campus. 

If you do not have available funds to purchase books and supplies you may:

1.  Borrow a student loan.

  • If you are interested in federal student loans, please use the ‘Request Loans or Accept Loan Offers’ link in Banner Self-Service to request a loan. Additional information on federal loans can be found on the Loan Office website
  • After the loan is added to your financial aid package, it is then applied to your student billing account. If your balance to Brown is already paid in full, you may request a refund of the loan funds through the Bursar's Office.  Please keep in mind that credit refunds will not be available prior to the start of classes.

 2.  Use your Brown Bookstore line of credit to "charge" your book purchases onto your student billing account.

  • Students have an annual $2,000 maximum credit line available.
  • Any amount charged at the Bookstore will automatically appear as a charge on your bill, which is payable within 30 days (late fees may apply after 30 days). Books can be charged prior to the start of classes.

Financing your travel to/from Brown 

A travel estimate is included in your Cost of Attendance to recognize your travel costs to and from Brown. In most cases, students should be prepared to pay for travel out of pocket from your expected Parent and/or Student contribution and Campus Employment.

If you do not have funds to pay for your travel to Brown you may:

1.  Borrow a student loan.

  • Please refer to the loan borrowing instructions under “Buying your Books”.

 2.  Use income from part-time employment earned throughout the semester to help pay for travel costs. 

  • For details on job opportunities, including how to apply for positions, please visit the Student Employment web site. 

Watch our video on Campus Employment in our video library.

Purchasing a computer

Not all students will need or wish to purchase a computer when coming to Brown; therefore, the cost is not included in your estimated Cost of Attendance.

If you wish to purchase a computer, your Cost of Attendance may be increased to include the cost of a reasonably priced, educationally-related computer that could be paid for by using one of the resources listed below.

1.  Borrow a student loan.

  • Bring your computer receipt to the Office of Financial Aid and we will assist you in securing a loan to cover the cost.
  • After the loan is added to your financial aid package, it is then applied to your student billing account.
  • If the balance on your account is $0 before the loan is added, request a refund of the loan funds through the Bursar’s Office to reimburse yourself for the computer purchase.

If you don’t have funds to pay for the computer up front, email us at financial_aid@brown.edu to discuss your options.

2.  If your University Scholarship has been reduced due to a higher level of outside scholarship finding, you may have the option of using a portion of your outside scholarship(s) to purchase a computer.

  • Report all outside scholarships on the 2018-19 Outside Scholarship Form.
  • Contact the Office of Financial Aid after your outside scholarships have been added to your financial aid package (and if your University Scholarship has been reduced) to discuss your options.
  • Additional information about the process and answers to some of the most common questions are available in the Outside Scholarships section of our website.

Financial Assistance for the Student Health Insurance Plan (SHIP)

Brown's SHIP fee can be waived if you are covered by a comparable alternative insurance plan that meets University requirements (please visit the Brown Insurance Office website for more information). The Insurance Office will notify you directly regarding the process to waive Brown’s SHIP.

  • If you are unable to waive Brown’s SHIP because you do not have access to comparable insurance coverage, our office will contact you with options to cover the cost.
  • In most cases, students who are eligible for University Scholarship and do not have access to a comparable plan will be eligible for scholarship funding to cover the cost.

Working at Brown 

If you plan to work on campus or need a better understanding of the Federal Work-Study or Campus Employment component of your financial aid award, please review our Working at Brown - Guide for Students