02 — THE VERDICT
YELLOW
Medicine pays back eventually, but slower than it should — and automation risk isn't negligible.
Break-even point
9 yrs post-grad
Total borrowed at grad
£86,250
Balance after 20 yrs
£83,012
🔒 unlock to view
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
Projected clear: loan fully repaid by year 35 post-grad.
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 | Loan balance |
|---|
| Year 0 | £29k | £24k | £93k |
| Year 2 | £38k | £30k | £98k |
| Year 5 | £51k | £38k | £103k |
| Year 10 | £75k | £50k | £104k |
| Year 20 | £91k | £58k | £83k |
| Year 30 | £111k | £67k | £36k |
🔒 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.
Unlock the full audit
✓Full AI-resilience score + confidence rating
✓Years 10 / 20 / 30 salary & loan balance breakdown
✓Net-worth drag — LISA & ISA compounding, 10/20/30yr
✓Verdict summary + similar-field suggestions
✓Exportable Career Blueprint (Google Sheets + PDF)