You CAN apply for a grant once you're here three years so that will cover some of your course. However it has been cut and is delayed, especially in Dublin, but even so. Your final year of medicine- work placement, is paid. Obviously you can't get a job with courses like that which is how plenty of students doing 8-20 hours or so courses balance out the higher cost of living because minimum wage is much higher here, though jobs are harder to get than ever. With Trinity you can cut costs massively if you househare or live in old-fashioned parts of Dublin that don't command high prices, like Crumlin, James Street, Inchicore, Marino, Drumcondra. All have a very easy commute, James Street is actually walkable (AND very near the main teaching hospital, St. James). Our lovely recapitalised banks are not giving out loans, especially not to students with no income. Overdrafts may be possible though.