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Financial Advice & Support

Many students have financial worries, we are here to try and help. Here are some links that you may find useful. The list is not exhaustive. If you don't find what you're looking for please contact If you have any useful financial advice or links that you would like to share with other students, please contact Dr Anne-Marie Chilton who will be happy to update this book.

Managing your money

Top tips & budgeting advice is available from the University's student finance team.

The University of Warwick Student's Union and the online UniGuide also has some useful advice about managing your money and preparing for University.

The 'Warwick Student Budget Calculator'

Information on reduced food prices on campus, plus 'mystery food bags' from Warwick Retail

The Royal Medical Benevolent Society offers free financial advice to medical students

The British Medical Association (BMA) also offers financial advice to medical students

Help with prescription costs. Some students have struggled to pay for NHS prescriptions. Other students have successfully managed to claim for free prescriptions on the grounds of low income and tell us that it has been a fairly straightforward process.

If you want to find out if you are eligible there is a calculator which should help.

Tuition Fees

Tuition fees are payable for each year of your course at the start of the academic year. Students may choose to pay in three instalments due by the first day of each University term. You can check your payment due dates by logging into your Student Finance account on the Student Records System.

Eligible students may access a non-means tested tuition fee loan from Student Finance England, the amount you receive depends upon your year of study and is paid directly to the University. The University student funding webpages has specific guidance for graduate entry medicine. You may also be eligible for a partially means tested maintenance loan to help with living costs during your course.

We encourage students to apply early within the application window to make sure your payments are set up ready for the start of your next academic year. Visit the Student Finance England website for details - Student finance - GOV.UK (

Eating well at Warwick

We know that many of our students struggle financially while studying with us, and that finding the funds to eat well can be a challenge.

Here are some supports to think about:

University Emergency loans

University of Warwick offer emergency loans to students who are experiencing short-term financial difficulty (up to £250), more information and how to apply is available from student funding, emergency loans from University hardship funds.

Hardship funds

There are a number of hardship funds available:

University of Warwick hardship funds, see this link

Access to learning Fund (University of Warwick) can help with funding (up to £250) for a diagnostic test/health assessment, see this link

University of Warwick Dean of students hardship fund, see this link (information about the hardship fund is half way down the page)

Warwick Medical School hardship fund see this link. Before applying for WMS hardship fund, students must have explored the University and Dean of students' hardship funds first

Royal Medical Benevolent Society hardship fund offers a hardship fund to medical students in the final 2 years of training, see this link

British Medical Association (BMA). The BMA Charities Trust Fund offers one off grants to students who are in financial hardship (you don't need to be a BMA member to apply), see this link for more information

NHS Bursary Hardship fund. If you are eligible to receive an NHS bursary (years 2,3,4), you may apply for a hardship grant.

Here is some information about the NHS bursary hardship fund taken from the NHS bursary website (Nov 2019): 'A hardship grant is available for medical and dental students. You can claim between £100 and £3,000 if you are in genuine financial hardship. To be eligible to apply you must be:

  • on a course leading to registration as a doctor or dentist
  • eligible for a full bursary (tuition fees, non-means tested grant and any means-tested bursary)
  • in genuine hardship
  • unable to manage any shortfall between income and expenditure by their own actions

How to apply for the hardship grant

Your application should be made in writing and should include:

  • details and evidence of your income and expenditure
  • signed university approval of your NHS hardship grant application
  • evidence you have applied for other available funding, such as student loans and university hardship funds
  • a copy of your BOSS student coversheet (available to print from the ‘Documents’ section of your BOSS account)

You should send all of the above to:

The Operations Manager
Student Services
Hesketh House
200-220 Broadway
FY7 8SS'

If you require a signature on your application, please contact Dr Anne-Marie Chilton (acting senior tutor) or one of the deputy senior tutors who would be happy to help.


University of Warwick Short Term Mobility Fund

Students may apply for funding up to £500 for travel costs to attend a placement overseas (Europe or worldwide).

Please see this link

NHS bursary

The NHS bursary offers additional funding for students in years 2,3,4 of a graduate 4-year medical degree. The NHS bursary rules are complex and may vary depending on whether you're from England, Northern Ireland, Wales or Scotland. International students are not eligible to apply for NHS bursaries. Please consult the NHS bursary website for more information. The NHS Bursary webpages are a useful resource

Elements of the NHS Bursary

  1. Tuition fees. If you qualify for a bursary the NHS will fund some of your tuition fees. This element will be paid directly to the University. The tuition fee component of the NHS bursary is not means tested.
  2. Non-means tested grant /basic bursary (£1000). This is payable to all eligible students (there are some exceptions for EU students).
  3. Means-tested bursary. This is in addition to the basic bursary. It depends on whether you are classed as dependent or independent, see the NHS bursary website for more information. This is paid to you to help with living expenses.
  4. Extra weeks allowance ( means tested bursary). If your course runs for more than 30 weeks and 3 days (excluding holidays) you may be entitled to this additional allowance (the MB ChB course runs for more than 30 weeks 3 days in years 2,3&4).
  5. Travel and Dual Accommodation Expenses (formerly practice placement expenses) . You may be entitled to have some of the costs of travelling to and from your placement reimbursed. Please see the NHS bursary website for more information . This may include travel expenses and accommodation whilst on elective. Please see our A quick guide on completing travel and dual accommodation expense forms.
  6. Additional allowances. Dependents allowance (if you have people who are wholly or mainly financial dependent on you), parent learning allowance (if you have a dependent child/children), childcare allowance (if you have dependent children), disabled students allowance. Please see the NHS bursary website for more information.

When do I apply?

Usually you would apply for NHS bursary in the second half of year 1, for the bursary to start in year 2.

How do I find out if I am eligible? How do I apply?

See the NHS bursary website for information about eligibility and how to apply

How do I contact the NHS bursary department?

See this link for contact information

The presentation to Year 1 (2018 Cohort) given on 07/05/19 can be found here:

NHS Bursary Presentation

Funding your elective

Please see the elective section on moodle for information about bursaries available.

Students who are eligible for NHS bursary may be able to claim travel expenses and accommodation expenses whilst on elective (but not the cost of travel to/from your elective if your elective is outside the UK), please see the NHS bursary practice placement guidelines

Disabled students

Students with disabilities may be eligible for disabled students allowance. You can find out more from the University disability services

Further information about disabled student allowance can be found here

Information about the NHS bursary for disabled students can be found here

81955-COI-NHS App Form FULL-T (

The Snowdon Trust grants awards to disabled students in higher education

Students with children

You may be eligible for child tax credits 

NHS bursary- you may be eligible for parent learning allowance (if you have a dependent child/children), childcare allowance (if you have dependent children), please see the NHS bursary website 

Other University grants and bursaries

The Warwick Undergraduate Bursary

If you meet certain eligibility criteria you may be able to get an undergraduate bursary in your first year of medical school. The Warwick bursary, which is non repayable, provides extra financial support for qualifying students from lower income families. Awards up to £2000 per year are paid directly to students to help with your living costs. Some students may also be eligible for an additional bursary of £1000. To find out if you are eligible for the Warwick Bursary, please visit the student funding webpages.

Funding to support conference attendance/publication 

The WMS Academic Bursary Scheme is for students registered on the MBChB or on a full-time Masters programme who have been successful in getting their work accepted for presentation and may also be accessed by students seeking to secure funding for accepted publications. The scheme operates in the Autumn and Spring Term each academic year. Retrospective applications for conferences which happened after the last round of funding are permitted.

Small grants of up to £200 are available to support either conference presentation or publication. To be considered for such an award students are invited to submit a word document which contains the following sub-headings and information to (details of deadlines will be sent out twice a year via Moodle)

  1. Full name
  2. Student ID Number
  3. Email address
  4. Year of study (e.g – 1st, 2nd, 3rd, 4th)
  5. Details of any co-authors
  6. Details of conference / journal accepting your work (to include title of conference or journal, date and location (conference applications only) and the nature of the presentation (oral / poster for conference or paper type (case review, original research, brief report etc.) for journal publications.
  7. Overall cost of attendance or publication
  8. Contribution applied for (maximum £200) and indication of other funding applied for with decisions made or pending
  9. Abstract (as accepted by conference or journal)
  10. Statement confirming that the work has been accepted


All submissions will be considered in competition, judged by 2 senior academics. The following factors will be considered: the quality of the submitted abstract, presentation form (poster/oral) and impact of the conference / journal.

Given the restricted funds available I remind all students of the need to try to identify publication routes which do not incur significant cost. Some open access publications carry a publication charge in excess of £1000 and whilst this model has many virtues, including access to current research by those working in resource poor healthcare settings, we are unable to support such costs.

Student Initiated peer programme support (SIPPS)

Warwick Medical Students have a long history of establishing peer led initiatives which serve to provide extra curricula opportunities and offer bespoke support opportunities. In recognition of the excellence and innovation which occurs and the realisation that often these initiatives need access to seed funding or enhancement funding the School has established a scheme which will run twice yearly enabling students to bid for small grants for such work. It is anticipated that these will be in the region of £50 to £250, although larger start up and strategic bids will also be considered for exceptional proposals. Grants will be awarded to individual students with a requirement to submit (within 6 months of award) a summary of spend. In the spirit of innovation no request is too odd to be considered! Please contact Sunny Patel at

Yvonne Carter Memorial Fund bursaries to attend the Association for the Study of Medical Education (ASME) Annual Scientific Meeting (ASM).

The Yvonne Carter Memorial Fund recognises the achievements of our first Dean at WMS and is aimed at benefiting students during their course.

The Fund has generously endowed £1500 per year (£500 max per application), to support current Warwick Medical School students to attend the ASME Annual scientific meeting. This is in addition to the existing academic bursary funding scheme and applicants will not normally be awarded both for the same event.

Students presenting work at ASME should contact Sunny ( once work is accepted to indicate their eligibility for the Yvonne Carter Bursary.

External grants and bursaries

Below is a number of external organisations offering grants or bursaries to medical students, this list is not exhaustive, if you have a recommendation to include in this category, please contact

The Foulkes Foundation

The Foulkes Foundation Fellowship scheme provides financial support for recently qualified PhD science graduates with research experience who want additionally to take a medical degree. The graduate must intend to do medical research after qualification. The closing date for applications is 15th March 2023.


Sidney Perry Foundation

Only helps with second degrees where first degree was at least a 2:1. No help in first year. Grants up to £1,000; students must be under 35 years old at the start of the course.


Sir Richard Stapley Educational Trust

Grants up to £1,000; students must be over the age of 24 and accepted onto or applying for a degree in medicine, dentistry, or veterinary studies, taken as a second degree. Next round of applications opens for 2023/24 entry.


Professionals Aid Guild

Grants of up to £500 for financial assistance

If you have a previous degree, you may be eligible to apply for a grant to help with your further education. You must have claimed or accessed all other funding streams available to you. Full criteria can be found on the following website