As the first dental school term draws to a close, many dental students are settling into life away from home and learning how far their finances can—or can’t—stretch.

For some, this adjustment can be difficult. February and March are typically busy months for the BDA Benevolent Fund, as we receive applications from dental students struggling to meet their daily living costs.

Most dental student applications are from those in their 4th / 5th year. This is often because funding sources change during the latter years of dental school, creating additional financial pressures.

Explore Support Options First

Students should explore all available sources of support to maximise their income before applying to us. Available funding includes:

Student Loans

• Tuition Fee Loan: This covers the full cost of tuition fees, which are set to increase to £9,535 per year starting in the 2025/26 academic year.
• Maintenance Loan: Assists with living expenses. The amount varies depending on household income, location of study, and other factors. For instance, students living away from home outside London can receive up to £10,544 annually, while those in London may receive up to £13,762.

Regional Variations

Funding arrangements can differ across the UK:

• Northern Ireland: Student Finance Northern Ireland provides details on funding options for dental students.
• Scotland: Scottish students may be eligible for the Dental Student Support Grant (DSSG) through the Student Awards Agency Scotland (SAAS).
• Wales: Students should consult Student Finance Wales and the NHS Wales Bursary Scheme for information on available support.
• England: Students should consult Student Finance England for information on available support.

NHS Bursary

In later years of dental courses, typically the fifth year, students may be eligible for the NHS Bursary, which can help with tuition fees and provide a non-repayable grant towards living costs. Eligibility and application details can be found through the NHS Business Services Authority via the NHS Health Careers website.

University Hardship Funds

Many universities offer hardship funds to support students facing unexpected financial difficulties. Eligibility criteria and application processes vary by institution, so it’s advisable to consult your university’s student services or financial aid office for specific information.

NHS bursary hardship grant

The NHS offers a hardship grant to those who are struggling financially. You should have applied to your university’s hardship fund first. Further information including how to apply is on their website.

Also, check if the following are appropriate and available to you

• Scholarships and Bursaries – Various scholarships and bursaries are available specifically for dental students. These can be based on academic merit, financial need, or other criteria.
• Support from family
• Pre-agreed (interest-free) overdrafts
• Part-time work (if manageable alongside studies)

How We Can Help
If you’ve explored these options and are still facing financial difficulties, we’re here to help.

• Watch our application video to learn how to apply for financial support.
• Visit our Dental Students page to start your application.
• If you need emotional, wellbeing or mental health support. You can get this through your university health service or via our Wellbeing services.