Mannion H, Bedi R
School of Dentistry, University of Birmingham.
Prim Dent Care. 1995 Sep;2(2):55-8.
The aim of this investigation is to provide information about the financial status of dental students enrolled on the Bachelor of Dental Surgery degree course at the University of Birmingham. All undergraduate dental students enrolled during the academic year 1993-94 were asked to participate in the study. The pre-tested questionnaire, which was given to all students, covered personal details, expenditure levels, income, loans, overdrafts, use of government schemes ('top-up loans'), and so on. The questionnaire was completed by 115 dental students (response rate 47%). The results showed that dental students' debts increased each year throughout the course. A top-up loan (range 700 Pounds-850 Pounds) had been taken out by 36% of students. The financial status of 9% of students was severe enough to warrant their eligibility for awards from access funds. Credit cards were possessed by 52% of the surveyed students, and although only half of these owed money, 22% owed between 500 Pounds and 2000 Pounds. Personal overdrafts were held by 56% of respondents. A total of 17% of students engaged in weekly part-time employment. The average debt for final year students was 1200 Pounds. Dental students' estimates of the level of debt they were likely to incur was greater than the actual debt presently experienced by final year students. In conclusion, this preliminary study showed that most dental students incur debt during their undergraduate course and that this debt increases during the course.
本次调查旨在提供有关在伯明翰大学攻读牙外科学士学位课程的牙科学生财务状况的信息。所有在1993 - 94学年入学的本科牙科学生均被邀请参与该研究。预先测试过的问卷发放给了所有学生，内容涵盖个人详细信息、支出水平、收入、贷款、透支、政府计划（“补充贷款”）的使用情况等。115名牙科学生完成了问卷（回复率为47%）。结果显示，牙科学生在整个课程期间的债务逐年增加。36%的学生申请了补充贷款（金额在700英镑至850英镑之间）。9%的学生财务状况严峻，足以使其有资格获得入学基金的奖励。52%的受访学生持有信用卡，尽管其中只有一半欠款，但22%的学生欠款在500英镑至2000英镑之间。56%的受访者有个人透支情况。共有17%的学生每周从事兼职工作。最后一年学生的平均债务为1200英镑。牙科学生对他们可能产生的债务水平的估计高于最后一年学生目前实际经历的债务。总之，这项初步研究表明，大多数牙科学生在本科课程期间会产生债务，且在课程期间债务会增加。
