A seat belt energy management loop to reduce off-axis loading is disclosed. The seat belt energy management loop includes a substantially flat bracket welded to the chassis of a vehicle and including a plurality of openings for mounting a roll hoop and a seat belt retractor to the bracket. An integral loop is formed as an integral part of the bracket and extends from the bracket in substantially perpendicular relation to the bracket. The integral loop includes a seat belt guide segment extending from the bracket, a pair of curved end segments extending from the seat belt guide segment, and a straight segment extending between the pair of curved end segments, together forming a seat belt opening through which a retractable seat belt of the retractor extends.