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Doctors’ Debt Cycle Prompts BMA Demand for Full-Course Maintenance Funding

Funding shortfalls averaging £3,674 in the closing years of medical training have pushed students into part-time work to cover living costs.

Overview

  • The BMA reports newly qualified doctors are driving Ubers and working in bars to manage debt accrued during reduced funding periods.
  • Final-year undergraduates face an average £3,674 drop in support, while post-graduate and six-year students can endure up to three years of shortfalls.
  • Intensive hospital placements, night shifts and exam preparation leave little room for paid work, deepening financial strain.
  • The government has applied its first bursary uplift since 2015 and pledged an inflation-linked increase while exploring targeted support for low-income students.
  • The BMA’s Fix Our Finance campaign calls for guaranteed maintenance funding throughout medical degrees at an annual cost of £24 million.