On the numbers, a Medicine degree clears its cost relatively quickly and sits in a low automation-risk bracket — a defensible investment for most people.
Starting salary
£42,800/yr
Salary at 10 years
£64,400/yr
Typical debt at graduation
£86,250
Break-even point
5 yrs post-grad
AI-automation risk
LOW
Degree required to enter field
Yes
Based on DfE LEO 2023–24 median graduate earnings and ONS ASHE 2025 salary data. Assumes Plan 5 student loan, £9,250 tuition/yr, £8,000 maintenance/yr over 5 years. Adjust the calculator below for your own scenario.
Medicine
Your 30-year debt lifecycle and AI-resilience risk, calculated.
01 — YOUR SCENARIO
Selected: Medicine · typical course length 5 yrs
Repayment plan
For students starting Sept 2023 onward · threshold £25,000 from April 2026 · interest RPI (3.2%) · written off after 40 yrs · gov.uk ↗
Salary assumption
P50 — median graduate earnings from DfE LEO 2023–24
02 — THE VERDICT
GREEN
Medicine clears its cost fast and the role isn't on the AI chopping block. Defensible investment.
Break-even point
5 yrs post-grad
Total borrowed at grad
£86,250
Balance after 20 yrs
£87,166
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03 — SALARY VS. LOAN BALANCE
Yearly gross salary against your loan balance — rising with interest, falling with repayments, until it's cleared or written off.
Y0Y15Y30
Gross salary
Loan balance
Projected clear: loan fully repaid by year 40 post-grad, after paying £188,631 in repayments.
Salary data: DfE LEO 2023–24 median graduate earnings.
04 — YEAR-BY-YEAR BREAKDOWN
The material impact, spelled out: gross salary, take-home after the 9% graduate tax, and what's still owed.
Year
Gross
Take-home
Repayment
Loan balance
Year 0
£43k
£33k
£2k
£93k
Year 2
£48k
£36k
£2k
£96k +3%
Year 5
£57k
£41k
£3k
£98k +2%
Year 10
£64k
£44k
£4k
£98k +0%
Year 20
£79k
£51k
£5k
£87k -11%
Year 30
£96k
£60k
£6k
£56k -35%
🔒 Years 10 / 20 / 30 unlock with the full report
05 — AI-RESILIENCE
LOW RISK
automation exposure for Medicine
Confidence: High. Full driver analysis of task-level automation exposure for this role, sourced from occupational risk modelling.