Manage your loans online at http://heartland.ecsi.net. View our Cheat Sheet to create your account access. 
Undergraduate students: Learn more about the Brown Promise
Graduating loan borrowers:  See "Graduation & Exit Counseling" for details about graduation requirements.

1098E Tax form: Perkins and Institutional Loan borrowers who are repaying loans will receive 1098E information on the January billing statements. 

We email important information to students' Brown email accounts. If you're looking for an update on your loans, see if we have emailed you recently to help you complete the loan process

Quick Links

Before You Borrow

Borrow Wisely Federal Loans
Loan Process - Application, Requirements, Disbursement Brown U Institutional Loans
PLUS Loans Application Process Private Loans
Loan Repayment Estimator TEACH Grants

Leaving Brown

Graduation & Loan Exit Counseling Leave-Taking & Loan Exit Counseling

Repay Your Loans

Grace Period Medical Loan Borrowers
Planning Your Repayment Postpone Repayment (Deferment/Forbearance)
Repay Your Federal Direct Loans Cancellation & Forgiveness
Repay Your Federal Perkins & Institutional Loans Consolidation
Understanding Interest Avoid Default & Keep Loans Current

Your Loans & Refunds:  If you have borrowed loans and your student account has a credit balance (overpaid), think about reducing the amount you've borrowed. If you don't need the full amount, send a detailed email to loans@brown.edu to reduce your loans and lower your student loan debt.  If you actually need the full amount, request an electronic student account refund through the Bursar's Office.

Call, Email, or Visit!

Contact us for help navigating the loan process, understanding your repayment options, or for help in bringing your loans current.