I assume that you are transferring form another course to finish off 4 yrs of med school. Fair play to you. Tough job. You will need all your time for study.
I would use the savings for year 1 and 2 to pay for fees and living expenses, using the summers after each year to top up on the savings and possibly have enough to pay for yr 3 also. You could then borrow any extra you need during yr 3 or before starting yr 4.
Why do what everyone else does and be left with a large loan at the end to have to clear. If you borrow now you will also have to be paying back interest on money you don't need now.
Am I reading this wrong , or are you getting ECB + 1.5% on an unsecured loan (with no income) ?
The typical AIB rate for personal loan over €25k is 7.46%.
Are you sure your not looking at mortgage rates ?
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