Funding your degree

My finances

Learning how to manage your money at university is part and parcel of the experience. At KMMS, we are happy to offer help and advice on how to pay your fees, access financial support and even work out your budget.


The annual tuition fees for UK students starting the Bachelor of Medicine and Bachelor of Surgery undergraduate medical degree in 2020 have not yet been set by Government.  As a guide, only the full-time tuition fee for new and returning UK undergraduate courses for 2019/20 is £9,250. Where permitted by law or Government policy in the second or subsequent years of your course we reserve the right to increase tuition fees to the maximum permitted level. Here is some more information on UK Course Fee Increases.

EU Students

The UK Government has confirmed that EU students starting in the academic year 2020 to 2021 will continue to remain eligible for undergraduate, master’s, postgraduate and advanced learner financial support, and this support will continue for the duration of their course. EU students will pay the same fees as home students and may be eligible for tuition fee loans. EU status depends on nationality and residency.

International students

The tuition fee for international students for the academic year 2020/21 has been set at £45,000. For continuing students fees will increase year on year by no more than RPI + 3% in each academic year of study except where regulated.*

Fees and the financial support available differs for international students.


We have successfully fund-raised for a number of scholarships open to Kent and Medway medical students in the first cohort starting in September, 2020. Applications will open in May 2020 and will be open to all offer holders who have firmly accepted unconditional or conditional offers from KMMS.

Kent and Medway Medical School Financial Support Package

KMMS has a generous financial support package for eligible students starting their studies in 2020. The eligibility criteria is still subject to final approval but, to give you a guide, you can refer to the eligibility criteria for the University of Kent’s financial support package.

If consent is given by you and any sponsor(s), Kent and Medway Medical School is allowed access to data by Student Finance England. This enables us to determine whether you are eligible for the financial support package. The Kent and Medway Medical School financial support package does not have to be repaid.

KMMS students may also be able to benefit from undergraduate scholarships including scholarships for partner schools, sport and music.

Other financial support

Tuition fee loans
You do not have to pay your tuition fees up front. If you live in England, you can apply to Student Finance England (SFE) for a tuition fee loan. The tuition fee loan covers the full cost of your tuition fees and is paid directly to the university. Students who normally live in Scotland, Wales or Northern Ireland will receive financial support from their relevant government body.

Maintenance loans
If you are a UK Home student, you can apply for means-tested Maintenance Loan. Maintenance loans are available to help with costs such as food, travel and accommodation. The maximum loan amounts for 2020 are £9,203 for students who live away from home and studied at a university outside of London and £7,747 for students who live at home.

Repaying loans
The tuition fee loan and maintenance loan are paid off as one. Once you earn over £25,725 per year, you repay 9% of your income above £25,725. If your salary falls below £25,725, or you are not working, your payments will stop. If your loan is not paid off after 30 years, any amount remaining is written off. While you are studying, and up to the point you are liable to repay, you will be charged the RPI plus 3%. After you are liable to repay, you will be charged interest as follows:

  • £25,725 or less: RPI
  • £25,725-£46,305: RPI plus up to 3%
  • £46,305 or more: RPI plus 3%

Please note:

  • While both Tuition Fee and Maintenance Loans are available, these will need to be repaid.
  • Graduates are only potentially eligible for maintenance loans from SFE for the first four years and not a tuition fee loan
  • If you are a parent or carer, other financial support is also available, including a Parent’s Learning Allowance and a Childcare Grant.

The 2020/21 annual tuition fees for UK undergraduate courses have not yet been set by the UK Government. The Government is currently conducting a review into post-18 education and funding, which will be concluded in 2019. We cannot indicate what our tuition fees for 2020/21 will be until the outcome of the review is announced. As a guide only full-time tuition fees for Home and EU undergraduates for 2019/20 entry are £9,250. EU students may be eligible for similar support to UK students, but there may be different support depending on your circumstances. Funding has not yet been agreed for EU students entering university in the UK in 2020.

For more details of student finances loans.


Applying for Student Finance – locating KMMS:

The course has been set up under the University of Kent and not under KMMS as this is the school not the Institution.  The Student Loan Company course code is 869289 and the course is listed as
Bachelor of Medicine Bachelor of Surgery and the university course code is MEDICINE:BMBS 

Only stage 1 is available for students to apply against.

SLC and NHS guidance on Graduate Loans

“…where a graduate is undertaking a FT UG 5 or 6 year medical or dental course as a second degree, the student does not qualify for fee loans (regulation 13(1)) in years 1 – 4 of their course, but does qualify for a loan for living costs and supplementary grants (grants for dependants, travel grants and DSAs) from SFE (regulation 69(2)(a)). In years 5 and 6 of their course, the student is eligible to apply for an NHS bursary and qualifies for the non-income assessed RRML for living costs only from SFE (regulation 68(e)(i)).”

NHS Bursary

From the fifth year of study, you may be eligible for an NHS Bursary, in place of government funding. This may include:

  • Support with tuition fees
  • Grants towards living costs
  • Additional help, depending on your circumstances (e.g. Dependants’ Allowance).

For further information on bursaries

Download our fees and funding leaflet.

* Subject to successful progress through the General Medical Council’s quality assurance programme.

Disabled Students Allowance (DSA)

The DSA is a UK government support fund for eligible students with physical and mental disabilities, including dyslexia and dyspraxia. You may be entitled to apply to this fund to help you with your studies if you are a home student.

The funding provided by the DSA can help pay for extra essential costs you may incur as a direct result of your disability. These could range from sign language interpreters and dyslexia tutor sessions, to computer equipment and assistive software.

Our Student Support Team can advise and help you apply for Disabled Students’ Allowances (DSAs).

Access to Learning Fund

The Access to Learning Fund (ALF) is available if you are experiencing financial hardship during your course. You may be able to get help with the following:

  • course or living costs not already covered by other grants and loans
  • emergency payments to cover unexpected financial crises
  • further support to continue your studies if financial worries are making you consider leaving your course.

Support for vulnerable students

This includes support packages for the following vulnerable student groups:

Care Leavers

Young Independent Students

Estranged Students

Homeless Students

Student Carers

Other support

We anticipate that we may also be able to offer a travel bursary of £400 per year from year three and an additional scholarship for years three to five. Please note this is subject to approval and has not yet been confirmed.

Student Finance England
Telephone: 0300 100 0607
Monday – Friday, 8am – 8pm
Saturday – Sunday, 9am – 4pm

To register or apply:

Student finance calculator

Address for paper applications and evidence:
Student Finance England
PO Box 210
County Durham
United Kingdom

EU Student Finance Services
Telephone: 0141 243 3570
Monday – Friday, 8am – 8pm

Address for paper applications and evidence:
Student Finance Services
Student Loans Company
PO Box 89
County Durham
United Kingdom

EEA citizens working in the UK
Telephone: 0300 100 0607
Monday – Friday, 8am – 8pm
Saturday – Sunday, 9am – 4pm

Address for EEA migrant worker paper applications and evidence:
European Economic Area (EEA) Migrant Worker Applications
Student Finance England
PO Box 89
County Durham
United Kingdom

Student Awards Agency for Scotland

Student Finance Wales

Student Finance Northern Ireland

NHS Bursary

If you have any questions, please contact the Financial Aid Office by email at


*Where fees are regulated (such as by the Department for Education or Research Council UK) permitted increases are normally inflationary and the University therefore reserves the right to increase tuition fees by inflation (RPI excluding mortgage interest payments) as permitted by law or Government policy in the second and subsequent years of your course. If we intend to exercise this right to increase tuition fees, we will let you know by the end of June in the academic year before the one in which we intend to exercise that right.

Disclaimer. This information is for indicative guidance only.