- Undergrad degree (3 to 4 years)
- $7,000 to $10,000 a year
- Medical school (3 to 4 years)
- $15,000 to $28,000 a year
- MCAT (medical school admission test), applications, interviews
- $2,000 to $5,000
- MCCQE (the national medical exam) plus the Royal College surgery exam
- $1,500 for the MCCQE, plus several thousand more for the Royal College exam
- Malpractice fees once practising
- Tens of thousands a year, partly reimbursed
- Roughly, all in
- $72,500 to $166,500
Tuition, fees, exams and kit. Not rent, food or travel
The low end is three years of undergraduate study at $7,000 a year, a three year medical degree at $15,000 a year, and the exam and application fees. The high end is four years of each at the top of the tuition range, plus MCAT (Medical College Admission Test) costs, the MCCQE (Medical Council of Canada Qualifying Examination), and the Royal College surgery exam. The five or more years of surgical residency are paid work. Two things sit outside these numbers: most people leave medical school owing $80,000 to $150,000, and malpractice coverage once you are practising runs tens of thousands a year, though provincial reimbursement covers much of it.
Typical debt at the end of medical school is $80,000 to $150,000. Residency pay slows the bleeding but rarely pays it off.