Plan your medical school budget
Total Cost Explorer
Compare two MD schedules and build an illustrative budget. Published rates are held constant. This estimate is not a school quote or a guaranteed total cost of attendance. Confirm your cohort, track and invoice with the school.
The directory covers 45 schools. Seven are in this pilot because dated, school-published schedules can be reconciled across the modeled MD program. Pilot inclusion reflects pricing evidence and scope. It says nothing about academic quality or accreditation.
Choose two schools, then use Quick Estimate for a simple budget or Detailed Customization for monthly controls. Published living allowances are available for Saba and Ross; other living costs remain your estimates.
Quick Estimate uses published semester allowances or your whole-phase amounts. These are separate drafts, never added together. Switching views keeps both drafts.
Your two-school Quick Estimate
Incomplete estimate. Selected costs only. Books, insurance, travel, exams and placement adjustments still need review. This is not a school quote or complete cost of attendance.
Saba University School of Medicine
USD 300,725.00
Known subtotal · incomplete
CAD tuition available for eligible Canadian applicants
Eligibility & cohort restrictions
Published for qualifying Canadian citizens. Dual citizens, U.S. permanent residents or nationals, and other international students are excluded under the published wording. Confirm eligibility for your citizenship, residency and cohort with the school before selecting. Schedule: September 2026 entrants.
Official tuition and eligibility sourceExpenses and supplementary fees stay USD. No conversion.
Living budget: not applied
Edit budget & review gapsRoss University School of Medicine
USD 345,643.00
Known subtotal · incomplete
Living budget: not applied
Edit budget & review gapsPublished suggestions cover Saba and Ross only and are planning allowances, not actual spending. Quick Estimate expenses stay in USD; tuition can use an eligible CAD schedule. No currency conversion.
Saba University School of Medicine
September 2026 entrants
School COA source · checked 2026-11-07.
Basic living: not applied
Clinical living: not applied
Clinical allowances are location-unspecified. Confirm your placement and extra months.
Academic charges & billing currency
Academic subtotal: USD 298,750.00
Known additional charges: USD 1,975.00 · Published fee schedule
Review or edit semester allowances
Costs still to add · travel, exams & other costs
Unknowns stay blank. Enter zero only if you expect no additional expense. Exclude living allowances and known charges already counted.
- Books/supplies, transport/travel, examinations and health insurance are not included in these living-only suggestions.
- Clinical location, extra months, relocation and elective surcharges need review.
- Housing quotes and deposits are not added. Loan fees, financing, repeats and future increases are excluded.
3 living fields blank or invalid. 3 additional cost fields blank or invalid. Unresolved costs remain excluded.
Sources, coverage & exclusions
School-published COA · 2026–27 COA · September 2026 entrants · checked 2026-11-07.
USD follows Saba’s current linked 2025–2027 catalog (updated March 10, 2026): expenses are in U.S. dollars unless stated otherwise. The COA has no separate currency header. Restricted CAD eligibility applies only to tuition; no exchange-rate conversion is used. Currency evidence
Published academic schedule · September 2026 entrants · checked 2026-11-03. School profile and evidence ledger
- US$210 visa fee, US$750 non-refundable tuition deposit and US$100 non-refundable administration charge: confirm applicability and deposit crediting.
- Some elective sites charge US$50–550 per week. Confirm insurance and clerkship choices.
- The published US$150 refundable dorm security deposit is excluded from net cost. Dorm rates carry a September 2023 date. Confirm current rates and cash needed upfront.
Financial-aid allowances are planning figures, not actual spending. Housing quotes, deposits, tuition and supplementary charges are not imported into living allowances. Source semester counts stay fixed; repeats, breaks and future price increases are excluded.
Ross University School of Medicine
September 2026 rates, regular MD track
School COA source · checked 2026-11-07.
Basic living: not applied
Clinical living: not applied
Clinical allowances are location-unspecified. Confirm your placement and extra months.
Academic charges & billing currency
Academic subtotal: USD 344,780.00
Known additional charges: USD 863.00 · Published fee schedule
Review or edit semester allowances
Costs still to add · travel, exams & other costs
Unknowns stay blank. Enter zero only if you expect no additional expense. Exclude living allowances and known charges already counted.
- Books/supplies, transport/travel, examinations and health insurance are not included in these living-only suggestions.
- Clinical location, extra months, utility overages and any housing application fee need review.
- MedOrigin, capstone, the 90-week alternative, deposits, financing and future increases are excluded. The USD 863 technology fee stays counted once separately.
3 living fields blank or invalid. 3 additional cost fields blank or invalid. Unresolved costs remain excluded.
Sources, coverage & exclusions
School-published COA · 2026 COA PDF · regular FOM / 80-week clinical model · checked 2026-11-07.
U.S.-dollar basis corroborated by Ross’s official indexed COA disclosure. The current PDF has a 2026 copyright but no issue date; rates match September 2026 tuition. Confirm the cohort invoice. Currency evidence
Verified snapshot: PDF metadata September 28, 2026; 3 pages. Publication date not stated. Checked 2026-11-07. SHA-256: c32acb0eab2e1388906d4509399ac1fc48c324e7eb74b4e3c564972d16fda5dd
Published academic schedule · September 2026 rates, regular MD track · checked 2026-11-04. School profile and evidence ledger
- The US$863 technology fee is excluded from the academic subtotal and included separately in this calculator’s known additional charges, once in semester 1.
- US$1,657 health insurance is periodically billed and may be waived. Confirm billing cycles and US$190 Barbados visa or renewal applicability.
- Clinical charges are prorated by weeks. Confirm the cohort invoice and final-semester billing.
Financial-aid allowances are planning figures, not actual spending. Housing quotes, deposits, tuition and supplementary charges are not imported into living allowances. Source semester counts stay fixed; repeats, breaks and future price increases are excluded.
Your separate monthly scenario
Enter your monthly amounts and months. Quick Estimate allowances are not included here.
Saba University School of Medicine
September 2026 entrants · 10 billed terms in this model.
Published for qualifying Canadian citizens. Dual citizens, U.S. permanent residents or nationals, and other international students are excluded under the published wording. Supplementary fees stay in USD. Changing this choice clears monetary inputs and keeps month estimates.
Published academic charges
- Basic science · terms 1–5
5 billed terms × (USD 20,480 tuition + USD 8,270 selected fees) = USD 143,750 - Clinical medicine · terms 6–10
5 billed terms × (USD 24,950 tuition + USD 6,050 selected fees) = USD 155,000
Academic subtotal: USD 298,750
Known additional charges
- Graduation fee: USD 500 once at graduation
- Clinical malpractice insurance: USD 295 per clinical term, terms 6–10 × 5 = USD 1,475
Additional charges subtotal: USD 1,975
User-estimated costs: Incomplete assumptions
Illustrative scenario: No combined estimate
Coverage is incomplete. Unpriced and conditional charges, refundable deposits, repeats, financing and future fee increases are excluded. A refundable deposit can still affect cash needed upfront.
Still to verify
- US$210 visa fee, US$750 non-refundable tuition deposit and US$100 non-refundable administration charge: confirm applicability and deposit crediting.
- Some elective sites charge US$50–550 per week. Confirm insurance and clerkship choices.
- The published US$150 refundable dorm security deposit is excluded from net cost. Dorm rates carry a September 2023 date. Confirm current rates and cash needed upfront.
Sources and assumptions
Saba University School of Medicine tuition and fee schedule · School-published · Profile source checked 2026-11-03 · September 2026 entrants. Supplementary fee review November 6–7, 2026.
September 2026 schedule; figures are USD. The school offers the same numeric CAD schedule only to qualifying Canadian citizens and excludes dual citizens, U.S. permanent residents/nationals and other international students. Confirm eligibility directly. Additional fees are USD: graduation $500, visa $210 and clinical malpractice $295 per term. Some electives carry $50–$550 weekly surcharges. Housing, travel, exams, insurance, borrowing costs and delays are outside this tuition total. Earlier entrants need their own schedule; fees can change.
Academic rates held constant for the selected schedule. No automatic scholarship, inflation or financing adjustment. Your inputs apply only to this scenario. Prior payments credited toward tuition must not be entered again as personal costs.
Ross University School of Medicine
September 2026 rates, regular MD track · 11 billed terms in this model.
Published academic charges
- Foundations · semesters 1–5
5 billed terms × (USD 25,811 tuition + USD 6,521 selected fees) = USD 161,660 - Clinical · semesters 6–10
5 billed terms × (USD 30,500 tuition + USD 3,835 selected fees) = USD 171,675 - Final clinical · semester 11
1 billed term × (USD 10,167 tuition + USD 1,278 selected fees) = USD 11,445
Academic subtotal: USD 344,780
Known additional charges
- Educational technology fee: USD 863 once in semester 1
Additional charges subtotal: USD 863
User-estimated costs: Incomplete assumptions
Illustrative scenario: No combined estimate
Coverage is incomplete. Unpriced and conditional charges, refundable deposits, repeats, financing and future fee increases are excluded. A refundable deposit can still affect cash needed upfront.
Still to verify
- The US$863 technology fee is excluded from the academic subtotal and included separately in this calculator’s known additional charges, once in semester 1.
- US$1,657 health insurance is periodically billed and may be waived. Confirm billing cycles and US$190 Barbados visa or renewal applicability.
- Clinical charges are prorated by weeks. Confirm the cohort invoice and final-semester billing.
Sources and assumptions
Ross University School of Medicine tuition and fee schedule · School-published · Profile source checked 2026-11-04 · September 2026 schedule; calculated illustration. Supplementary fee review November 6–7, 2026.
USD schedule effective September 2026. The model uses five foundation semesters, five full clinical semesters and the listed reduced final-semester charge. It is our arithmetic, not a school-quoted total cost. The model excludes the mandatory one-time US$863 Educational Technology Fee charged in Semester 1, as well as insurance, visa and personal costs. Clinical fees are prorated by weeks; confirm the invoice for the updated 80-week curriculum and your cohort. Rates may change. Scholarships are not deducted.
Academic rates held constant for the selected schedule. No automatic scholarship, inflation or financing adjustment. Your inputs apply only to this scenario. Prior payments credited toward tuition must not be entered again as personal costs.
Academic subtotal difference: USD 46,030
Illustrative difference: Available when both scenarios have complete inputs and use one common currency.