Test more than year one
A Medicine or Dentistry plan normally spans six years. Tuition, rent, exchange rates, travel, insurance, and family circumstances can change during that period, so a first-year total is not an affordability decision.
Test affordability before treating tuition as the full cost.
Model tuition, city living costs, setup costs, available annual support, and a contingency. Results are planning estimates, never financial advice or university quotes.
Use the estimate responsibly
What the six-year stress test compares
The model combines the selected programme's current tuition row with a city-cost estimate, one-time setup costs, your available annual support, and the contingency you choose.
Replace estimates with quotes
Use the result as a screening range. Before committing, replace city presets with current housing, transport, insurance, travel, and university payment information from the responsible providers.
Keep a separate reserve
A contingency shows how the plan responds to higher costs; it does not predict emergencies or guarantee that funds will be sufficient. Review the plan with the people funding the degree.