Graduation & Exit Counseling

Graduating with Student Loans?

Whether you are graduating, dropping below half-time, or taking a leave, now is the time to plan for loan repayment. In addition, federal regulations require all federal loan borrowers to complete loan exit counseling requirements no more than 30 days prior to the end of your enrollment. Exit counseling must be completed now, even if students are returning to Brown to continue their studies as a graduate or medical student. Unfortunately, we must place holds on diplomas & transcripts for incomplete requirements.

Optional: Want help understanding loan repayment?

Review our presentations & resources below for helpful information:
Graduating with Student Loans 2018 presentation
Medical Students Graduating with Student Loans 2018
Loan Repayment Worksheet 

Contact us at, 401-863-3296, or visit our office in Page-Robinson Hall (2nd floor) for help. 

Required: Complete Online Exit Counseling

The Loan Office will email detailed instructions to your Brown email address.  Not sure what loans you've borrowed? View all of your loan exit counseling requirements on Banner Self Service.

Direct Loan Borrowers: Subsidized, Unsubsidized, Grad/Med PLUS Federal Perkins or Institutional Loan Borrowers:
  • Complete loan exit counseling requirements at
  • Use your FSA ID to login. This replaces the Federal PIN & is the information you may have entered to complete your most recent FAFSA. View the FSA ID Guide to learn more.  When you visit, you will be re-directed to a site where you can register for a new FSA ID.

  • The Loan Office must generate your exit counseling materials before you will be able to access them online. You will receive a detailed email once the materials are ready. You can then complete loan exit counseling requirements at
  •  Register & “Create a Profile” by choosing your own username and password. An ECSI KEY will be sent to you in a separate email; use your ECSI KEY to “Connect an Account”. Go to the Documents Tab to complete your exit counseling.  See our Cheat Sheet for more detailed instructions.

Useful Information to Have:

You will need to enter estimates of your income and expenses while completing the Direct Loan counseling. This is only used to help you evaluate the different payment plans and how they fit into your estimated budget.


Learn About Your Loans

Your loans will enter a grace period - a period of time when payments are not required. This will give you a few months to learn about your loans, determine your income & expenses, and develop a  loan repayment strategy.  Review our resources at the bottom of our Repay your Loans page for more info!

Returning to school?

If you return to school (at least half-time, in a degree granting program), you must notify each of your loan servicers. You may be eligible to place your loans into deferment. You may be required to submit a completed deferment request to your servicer.  See additional details regarding deferment.

Graduation Guide

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