Student Finance: graduate medicine

Student finance…. On more than one occasion the phrase “couldn’t organise a piss up in a brewery comes to mind” Especially dealing with GEM..

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How much do you get?
Okay lets break this down into Fee’s and maintenance loan

For the GEM (graduate entry medicine) fee’s are £9,000, this is what happens
Year 1: YOU PAY £3,465
               Student Finance £5,535

Year 2-4: NHS pays £3,465
                 SF pays £5,535

Altogether: YOU pay out of YOUR own pocket: £3,465

For a graduate on a normal 5 year course

Years 1-4: You pay £9,000/year so all together £36,000
Year 5: NHS pays £9,000

Altogether YOU pay £36,000!!!

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maintenance loan
I only know of London so this is what I can tell you for GEM

£5000 is NOT income assessed you get this regardless
£4000 IS income assessed either on your parents, spouse or your own income
Total you can get is £9,000

Because GEM is a LONG course I.e. over 31 weeks you get more loan. For the 5 year courses you WILL get less!

THERE ARE NO GRANTS! – no matter if you are on the GEM or the normal course

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Here is my guide to dealing with student finance…

1. APPLY EARLY!!! IF you have interviews and even an offer apply as soon as you can! Mine took 3 months start to finish to do and I applied in February, after May they get VERY busy and I know many people who get stuck in horrible situations

2. USE THE PAPER APPLICATION… It makes life so much easier… You will need to use this link Here
Print it off (I think 3 tree’s died in this process) and fill it in with all the information and send it off via post. It will appear online soon. It will say £0 allowed.

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3. Get on the phone…
You need to ring student finance and ask for your application to be reassessed by the ‘tier 2 Graduate entry medicine team’  You will probably need to tell them this a few times. 
Make sure to ask for a call back off the team and ask for a time frame…

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4. Wait and wait  a lot… You will more than likely consistently get letters about your loan. It took a long time for my loan and tuition fee numbers to be correct like this…Screen shot 2013-08-13 at 11.27.31

5. Keep phoning them, if you don;t hear anything after a month ring them and keep checking! 

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16 thoughts on “Student Finance: graduate medicine

  1. Pingback: How UK medical school works | themedicalstudentblog

  2. Hi, which year is this information current for? I know the election in 2015 is probably gonna change a few things, so was wondering which academic year your letter (showing the maintenance and tuition loan numbers) was for 🙂 Also, just to confirm, that amount was for graduate entry right?

    • This is for the current 2013-2014 academic year for graduate entry as it is an extended year.
      Those numbers are correct for studying in London.
      You get the base line 5K and then the other 4K is means tested either by your parental income (if under 25) or spouse/partner i.e who you rae living with etc

      • Okay thank you so much for the details! Also, what do you mean by ‘extended year’? 🙂 And I live in London so that would apply to me too… I’m really really hoping that the election doesn’t change things for the worse!

      • So a normal degree is normally 30 weeks long
        GEM/GPEP are 45 weeks long (for me anyway) so we get some extra loan to cover the costs of living more.
        If you get into a london GEM course and live out of your parental home the 5k minimum + 4k will apply, however it could change soon I hope it isnt made worse! I’m working as it is haha – Got to LOVE london prices

  3. Hey, I’m from Northern Ireland and i am thinking of applying as a graduate. However, I have spoken to Student Finance and they said I will not receive any maintaince loan or tuition fees loan, and I am not entitled to NHS funding. Any advice on how to pay off the fees for a graduate course, which will come to 9000 a year?

    • Im afraid for the graduate entry I get full funding but I would check again properly. Im not sure what funding is like for NI students, but i know scottish students get no funding for GEM.

      For the 9k a year the people I know funding it have either got it in savings after working for numerous years, parental funding or are doing a 5 year course and are working a lot to fund it! Maybe have a look at Scotland uni’s since their fees are a lot less than England’s for EU students (apart from England and Wales)… But definitely double check

  4. Hey, just wondering if you have heard/know of anyone from Nirthern IrelNd on the GEM course? Students from NI don’t get any funding from our student finance or the NHS for a second degree only a maintenance loan so that means self funding everything! I think it is the same for Scottish students too. This is really disheartening. I was wondering if you knew of any students in this position and how they are dealing with it?


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