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Related Experiment Videos

Dental student debt

H Mannion1, R Bedi

  • 1School of Dentistry, University of Birmingham.

Primary Dental Care : Journal of the Faculty of General Dental Practitioners (UK)
|September 1, 1995
PubMed
Summary
This summary is machine-generated.

Dental students incur significant debt throughout their Bachelor of Dental Surgery program, with financial burdens increasing annually. Many students utilize loans and credit, highlighting financial challenges during undergraduate dental education.

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Area of Science:

  • Medical Education
  • Health Economics
  • Dental Public Health

Background:

  • Financial well-being is crucial for student success in demanding professional degrees.
  • Understanding the financial landscape of dental students is essential for targeted support.
  • Previous research on dental student finances in the UK during the 1990s is limited.

Purpose of the Study:

  • To assess the financial status of Bachelor of Dental Surgery students at the University of Birmingham.
  • To identify sources of income, levels of expenditure, and debt accumulation among dental undergraduates.
  • To examine the prevalence of loans, overdrafts, and credit card usage.

Main Methods:

  • A cross-sectional study utilizing a pre-tested questionnaire administered to undergraduate dental students.

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  • Data collection covered personal details, income, expenditure, loans, overdrafts, and government schemes.
  • 115 dental students completed the questionnaire, yielding a 47% response rate for the 1993-94 academic year.

    • Main Results:

    • Dental student debt increased progressively each academic year.
    • 36% of students accessed 'top-up' loans (700-850 Pounds).
    • 9% of students experienced financial hardship severe enough for access fund eligibility.
    • 52% of students possessed credit cards, with 22% owing between 500-2000 Pounds.
    • 56% utilized personal overdrafts, and 17% held part-time employment.
    • Final year students accumulated an average debt of 1200 Pounds.

    Conclusions:

    • Most dental students accrue debt during their undergraduate studies.
    • The financial burden on dental students escalates throughout their degree program.
    • Student debt levels were generally underestimated compared to actual incurred debt.