Financing your studies

As you get ready to apply to university, it’s important to understand your funding options. From student loans and grants to NHS bursaries and scholarships, there are various ways to help cover your costs.

Resources for applicants

We’ve worked with Charmaine Valente at the Student Loans Company to provide detail to applicants to medicine and dentistry, and teachers/ advisors supporting them, on the funding available to medical and dental students. The resource includes funding scenarios and differences for those on standard entry and graduate entry courses. Please note that this guide is for England students only. 

Medicine and Dentistry funding - Student Loans Company
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The application process usually launches in February but in some years it may open in March (as shown on slide 6 of the downloadable presentation).

Students are strongly encouraged to apply as soon as the application process launches. You should also:

  • ensure that all required evidence is submitted promptly
  • regularly check your online portal for actions or tasks to complete
  • keep a record of their login details, including passwords

Student Finance deadlines

Fee status 

When you apply to universities, your fee status will be categorised as either Home or International. To be considered a Home student (UK), you usually need to meet all of the following requirements on the first day of your course:

  1. You’re settled in the UK – meaning there’s no immigration restriction on how long you can stay.
  2. You’ve lived in the UK for the last 3 years – this is called “ordinarily resident,” which means your main home has been in the UK and you’ve chosen to live there.
  3. You’re not in the UK just for education – your main reason for being here should not be to study full-time.

Fees for Home students can differ depending on whether you’re studying in England, Scotland, Wales or Northern Ireland, so always check the specific university’s website for up-to-date fees.

If you don’t meet the Home student criteria, you’ll be considered an International student and you’ll pay higher international fees. These fees can vary by university and are listed on each university’s website. Make sure you’re financially prepared for tuition fees before committing to a course.

Find your fee status

Applying for student loans 

UK students can apply for tuition fee loans and maintenance loans through Student Finance. Some students might also be eligible for extra support like grants or NHS bursaries.

It’s best to apply for student finance as soon as you’ve submitted your UCAS application. However, if you’ve already had student finance for a different degree, you might not be eligible for more loans (with some exceptions for graduate entry courses).

Check with the relevant student finance authority depending on where you live:

If you’re from the Channel Islands, Isle of Man or other UK Islands, different rules may apply. Be sure to contact your island’s education office for specific details.

Please note: International students are not eligible for UK government financial support.

Student Finance England (SFE) - sign up for alerts

Sign up for up-to- date alerts and information from Student Finance England. 

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Student finance phishing attempts
Scam “Apply Now” messages (Phishing) 

Look out for requests which:

  • create urgency (e.g. your account will be closed in 24 hours)
  • ask you for personal details such as bank accounts/passwords via email or texts
  • have fake student finance branding (SFE / SFW /SFNI / SAAS) or social media accounts like WhatsApp
  • bad grammar, misspellings or start with ‘Dear Student’

You should:

  • Verify: Always log into your official SFE or other domicile online account to confirm any requests.
  • Never click suspicious links: Hover over links to check the URL, or go directly to the SFE (or equiavalent) website.
  • Report: Forward suspicious texts to 7726, report emails to [email protected] and use Action Fraud.

New Higher Education funding and financial changes for 2027

The lifelong learning entitlement (LLE) will transform the post-18 student finance system to create a single funding system for residents in England (Student Finance England), from January 2027.  It will replace:

From Autumn 2026, learners will be able to apply for LLE funding for courses and modules starting from January 2027 onwards.

More about the Life Long Learning Entitlement

Life Long Learning - Overview 2027
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Graduate students

Currently if you’re an English student applying for a 4-year graduate entry dentistry course, you can apply for partial tuition fee loans, maintenance loans and NHS bursaries. You’ll need to cover the remaining fees yourself.

If you’re studying a standard undergraduate dentistry programme as a second degree, you won’t be eligible for tuition fee loans, but you can still apply for maintenance support. In your final year, NHS bursaries may be available to help with tuition costs. The SLC’s guide also includes information on graduate funding. 

The Lifelong Learning Entitlement (LLE), coming into effect for courses starting from January 2027, is expected to change funding arrangements for second-degree medical and dental students. Students who choose medicine or dentistry as a second degree under the LLE will be able to access full tuition fee and standard maintenance support for those years not covered by the NHS bursary. LLE will be available for courses starting from 1 January 2027. 

Student finance if your course starts on or after 1 January 2027

Scholarships & bursaries

Many universities offer their own scholarships and bursaries, so it’s a good idea to research what’s available on the university websites.

Other government grants available for UK students include:

International students might find it harder to access financial support but check with your university to see if you’re eligible for any bursaries. You can also find potential funding through the British Council or the UK Council for International Student Affairs (UKCISA). Commonwealth citizens might be able to apply for grants from the Commonwealth Scholarship Commission.