Cost of a 6 years medicine degree

could someone please help in verifying (just a rough idea) total debt that a medicine student studying in England, will accrue for a 6 years degree ?

My 2 sets of calculations, one with only tuition fee and second one with some maintenance loan

loan calculations.png

(edited 11 months ago)

Reply 1

TSR Hippocrates

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Reply 2

GGIN

Original post by akapoo11

Hi. Gosh, it looks very challenging when you set it out like that doesnt it. It certainly is a lot of money. Presumably undergrad, home student?

The amount an individual gets for the maintenance loan differs dependant on where you are in the uk and on your personal circumstances. For example in Wales (and this may be the same in England) you get a reduced maintenance loan in your bursary years.

Also in the third year of a three year degree you get less maintenance loan because the academic year is shorter. This may be the same for longer qualifying courses such as medicine. Equally you may get extra maintenance loan if your course year is longer. So both these points might be worth factoring in somehow.

There is a student finance sub forum on TSR somewhere and you may be better off posting this there to get more specialist advice.

I appreciate that some people may have cultural or religious reasons for not entering into debt. However, for those for whom this is not a key driver especially, i think it might be worth reading up on the moneysavingexpert website on student loans. There is a strong view there that actually it shouldnt be considered debt rather a graduate tax as you only pay back based on what you earn rather than what you owe. So the loan is structured completely differently to "normal debt" and is considered differently too when it comes to implications for mortgages and other standard debt applications.

I am not suggesting that this level of debt is not a lot, it is, but I certainly found the info quite reassuring.

It is also worth remembering that the cost of the degree will actually be much more than that to the med school but they are subsidised by the govt. Both they, and you, are making an investment in your future career.