how much does md phd cost

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M.D.-Ph.D. and M.D. Degrees, Salaries and What They Really Cost

Whether you're obtaining a Ph.D. or an M.D. degree in medicine, it is no easy undertaking . Years of intensive study, research and internships yield a degree that not only allows you to put those two little letters in front of your name, but usually comes with an impressive starting salary as well. However, what is the difference between an M.D.-Ph.D. and an M.D.?

The difference between the degrees

Before you compare salaries, you should understand the difference between the degrees themselves. Someone who receives an M.D. is licensed to practice medicine and participate in patient care. Someone who receives an M.D.-Ph.D. works in research and development, such as biomedical research, immunology or biochemistry, etc., but can also practice clinical medicine. A nonmedical Ph.D. can be in just about any subject, including the sciences, and varies as widely in cost and salary as it does in subject matter. For the purposes of this cost and salary comparison, we'll stick to M.D.-Ph.D.'s and M.D.'s.

You also must make sure you compare apples to apples. Before taking salary into consideration, measure other factors, such as the cost of each degree and subsequent school debt , living expenses, and potential stipends and funding offered.

According to the AAMC, the average cost of four years of medical school is $228,006 (that's averaging together public vs. private schools and resident vs. nonresident). Of course, that's not taking into consideration the cost of living and other expenses, which will vary depending on where you go to school, for example, New York City, N.Y. vs. Bloomington, Ind.

While physicians shoulder some of the highest school debt of any profession, they also enjoy some of the highest salaries, which is helpful when they are making mortgage-sized payments for their school loans. The national average for annual physicians' salaries in the U.S. is $209,044. However, not all costs to train a medical doctor fall on the medical student. The costs that a university and society expend on each medical student are fairly exorbitant as training excellent medical professionals is highly valued in this country.

While students pay for medical school, the university hospital foots the bill for the student's residency, which includes expenses such as hospital call rooms, administrative costs and salaries for the student and supervising faculty. For specialties that take longer to train for, the costs are in excess of $1,000,000. Where tax paying citizens come in is that most university hospitals receive federal funding, some of which is used to pay for students' residencies.

M.D.-Ph.D. costs

Falling into the category of medical scientists, M.D.-Ph.D. recipients are trained in both clinical medicine and research. This type of dual degree is ideal for conducting clinical trials, as both intensive research skills and patient care involvement are required. Because this is a dual degree, the time it takes to complete it is considerably longer than the four years for just medical school. An M.D.-Ph.D. typically takes seven to eight years to complete due to the student having to attend both medical and graduate schools.

The major difference between an M.D. and an M.D.-Ph.D. is the cost of tuition. While medical school tuition and costs will run well into six figures over four years, M.D.-Ph.D. students will find that their costs are largely reduced or even eliminated through waivers and stipends.₁ The National Institute of General Medical Sciences currently funds forty-nine M.D.-Ph.D. programs through the Medical Scientist Training Program. 2

Many universities also offer full funding to M.D.-Ph.D. candidates as they leverage the exorbitant cost of educating these students against the expected scientific breakthroughs and accomplishments they'll make in the medical field. The state of health care and the increasing need to study and treat numerous diseases affecting the population have contributed to a faster than average job growth rate for medical scientists. 3

Salary is a different story, as it's very dependent on what type of work the M.D.-Ph.D. pursues. Working in just the scientific research field will yield a median annual salary of $91,510, considerably less than the mid-six-figure salaries of practicing physicians; however, those who practice medicine as well as medical research will see their salaries increase accordingly.

The application process

Both degrees carry a high level of competitiveness, and the application process can be an intensive one. There are no test-optional choices here. MCATHs are a given requirement , so start preparing as soon as you've made the decision to apply to these programs.

Submitting a strong and effective statement of purpose , personal statement and letters of recommendation are critical to getting that coveted acceptance letter from your choice schools. It’s important to keep track of what you've submitted and when, as well as deadlines and communications with program recruiters or advisors.

Choosing your path

Entering the medical field, in any capacity, is a noble and stressfully intensive undertaking. However, the effect you'll have on patients' lives or future treatments and cures for diseases makes the investment of the student, university and government well worth it. Once you've decided which medical career path you want to take, your options will become clearer.

1 MD PhD vs MD: Which is best for you? | BeMo ® (bemoacademicconsulting.com)

2 Medical Scientist Training Program (nih.gov)

3 Medical Scientists: Occupational Outlook Handbook: U.S. Bureau of Labor Statistics (bls.gov)

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Everything You Need to Know About MD-PhD Programs

Posted in: Applying to Medical School

Table of Contents

MD-PhD programs are dual-degree programs for pre-medical students who want to both practice medicine and conduct extensive research.

In an MD-PhD program, the medical education of the MD program is combined with the in-depth research training of a PhD program. Students learn to practice medicine, diagnosing and treating patients all while gaining research experience to investigate medical conditions and diseases.

These programs are more intense than standard medical school. Students take additional coursework, typically in the biomedical sciences, graduate training, rotations in different laboratories, and intensive research.

The extra education gives students the tools to advance in the medical field after graduation. If you are interested in investigating diseases as you treat patients and developing innovative ways to provide care, an MD-PhD path may be for you!

What are MD-PhD programs?

MD-PhD programs are unique dual-degree programs designed for students who have an interest in both patient care and research. In these programs, students complete both a medical degree (MD) and a doctorate (PhD). This prepares graduates to function as physician-scientists, seamlessly bridging the gap between the laboratory and the clinical setting.

What is the difference between an MD and an MD-PhD? The difference between MD and MD-PhD graduates is that while both degrees are conferred to medical doctors, MD programs focus on clinical practice. MD-PhD programs, on the other hand, combine medical education with extensive biomedical research training. 

Is MD-PhD easier than MD? MD-PhD programs are not easier than MD programs. They require a longer time commitment, but in the end, provide graduates with a broader skill set to pursue careers that integrate medicine and scientific research.

How rare is an MD-PhD? Only about 3% of students that enroll in medical school are in MD-PhD programs. There are 122 MD-PhD programs in the U.S. and 13 in Canada listed on the AAMC MD-PhD Degree Programs by State directory .

Graduate programs aren’t confined to a specific area of study. Each school with this type of program has its own options for its PhD degree. PhD students commonly choose to specialize in topics such as:

• Cell biology
• Biochemistry
• Pharmacology
• Neuroscience
• Biomedical engineering

Upon completion of an MD-PhD program, graduates are awarded the dual degree for their proficiency in both clinical practice and research. 

MD-PhD Program Duration

A significant commitment of time is necessary to complete an MD-PhD program, but the career path is rewarding and well-compensated. 

How many years are MD-PhD programs ? Students can expect to spend 7-8 years total between graduate school and med school, but there is no strict timeline for completing an MD-PhD. Some students complete their programs in as little as six years, and others take as long as 10.

Students usually start with the first year to two years of medical school, followed by 3-5 years of research, then finish with another two years of medical training and clinicals. Current students entering into MD-PhD programs are older , on average, than when these programs first began, and many take longer to complete their studies.

How much does an MD-PhD program cost?

Most MD-PhD programs offer enrolled students tuition-free training and a stipend to cover living expenses.

The cost of an MD-PhD program varies widely depending on the institution, but the stipend and tuition-free training makes many of these programs significantly less burdensome financially compared to standalone MD or PhD programs.

Financial support is available through the Medical Scientist Training Program (MSTP) funded by the National Institutes of Health (NIH). Scholarships are offered that cover tuition and provide a stipend for living expenses, making these intensive dual degree programs more attainable.

Not all MD-PhD programs are funded by the MSTP, but some schools offer similar financial support to their MD-PhD students. For any school you plan to apply to, double-check their program website or call an admissions counselor to see if there are options for financial aid. 

MD-PhD Residencies

MD-PhD residencies provide a unique opportunity to bridge the gap between patient care and research. Graduates often enter residency programs to acquire hands-on training in a particular medical specialty. Some even opt for a fellowship in a subspecialty after that. This training phase can range from 3 -7 years, depending on the specialty.

Although they can enter any medical specialty, they frequently gravitate towards specialties with a strong research component. Here are a few common residencies that MD-PhDs typically enter:

• Internal Medicine: This field covers a broad range of diseases in adults and often involves solving complex medical problems. It’s a popular choice for MD-PhD graduates because of the diversity of patients and conditions, which provides many opportunities for research.
• Neurology: The complexity and the largely untapped understanding of the nervous system provide abundant research opportunities. Advances in neuroimaging, AI , and genetics also offer tools for physician-scientists to explore the nervous system in unprecedented ways.
• Psychiatry: Studying the pathophysiology of mental disorders, exploring new therapeutic interventions, and examining the genetic basis of psychiatric conditions are just a sample of the ways an MD-PhD can continue research in this specialty.
• Pathology: Pathologists often work behind the scenes in medicine, studying the causes and effects of diseases. This field is deeply rooted in medical research, which makes it a good fit for many MD-PhD graduates.
• Pediatrics : Pediatric physician-scientists research a wide array of topics, including childhood diseases, growth and development, pediatric therapies, and many other areas related to child health.

The choice of residency program should align with each graduate’s clinical interests, research interests, and career goals. There is great flexibility in the MD-PhD pathway, and physician-scientists span all specialties in medicine.

MD-PhD Career Path & Salary

Careers for MD-PhD’s often sit at the intersection of healthcare, academic medicine, and industry. Roles vary from practicing physicians, medical researchers, educators, and policy advisors to leaders in biotech and pharmaceutical companies.

After completing their residency, MD-PhDs typically divide their professional time between research and clinical practice. They often work in academic medical centers or research institutions where they can see patients and conduct research. Their research may be basic, translational, or clinical, depending on their interests and training.

MD-PhDs may also grow to take on teaching roles, educating the next generation of physicians and scientists. This path can bring them to leadership roles such as department chair, dean of a medical college, or even hospital CEO with their unique understanding of both medicine and research.

The salary for MD-PhDs does vary depending on the chosen career path. Earning potential is generally high due to the advanced and specialized nature of their training.

On average, physician-scientists in the US earn a median salary that is well above the national average for all occupations. According to Doximity’s 2023 Physician’s Compensation Report , the average salary for physicians in the Pharmaceutical/Industry employment setting is highest at $392,534.

Those working in academia or research may have different salary scales. These salaries are frequently dependent on research grants, but still typically fall within a comfortable range.

An MD-PhD opens up a wide range of career options, particularly in the intersecting areas of healthcare and research. Below are careers someone with an MD-PhD might pursue:

• Academic Physician: They divide their time between seeing patients, conducting research, and teaching students and residents. These professionals usually work at medical schools or teaching hospitals.
• Biomedical Researcher: MD-PhDs often find employment as researchers in the field of biomedical sciences. They can work in research institutions, pharmaceutical companies, or government organizations such as the NIH.
• Clinical Investigator: These are physicians who conduct research involving human subjects (clinical trials). They develop and implement studies to understand the effects of new drugs or therapeutic strategies.
• Pharmaceutical/Biotech Industry Professional : Many MD-PhDs work in the pharmaceutical or biotechnology industry. They may be involved in drug development, clinical trials, regulatory affairs, or medical affairs.
• Medical Director: In this role, an individual would oversee the medical aspect of a healthcare facility, biotech company, or department in a hospital. This position often requires both a medical and research background.
• Science Policy Analyst/Advisor: They can work in government or nonprofit organizations, helping to shape policies that affect scientific research and healthcare.
• Public Health Official: Some MD-PhDs choose to work in the public sector, addressing health issues at the population level. They may work for entities like the Centers for Disease Control and Prevention (CDC) or World Health Organization (WHO).
• Medical Science Liaison: This role often involves serving as a bridge between pharmaceutical companies and healthcare professionals, explaining new therapies and scientific findings to physicians, researchers, and other stakeholders.
• Medical Educator: MD-PhDs are uniquely qualified to educate future doctors and researchers, teaching in areas such as pharmacology, pathology, genetics, or any other medical specialty. They may design and implement courses, advise students, and contribute to the educational mission of their institution.

These are just a few of the potential career paths. A career choice often depends on an individual’s specific interests, such as which medical specialties they are drawn to, whether they prefer working with patients or in a laboratory, and how they want to contribute to advancing medical science.

Medical Science Training Programs

Some MD-PhD programs in the United States are funded by the National Institutes of Health (NIH) through the Medical Scientist Training Program (MSTP). This means that students receive full tuition remission, health insurance, and a living stipend throughout their training.

Because of this financial support, admission to an MSTP is very competitive. Many schools have financial support available to MD-PhD students even if they are not part of the Medical Scientist Training Program to allow them to focus on their studies and research.

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4 Benefits of Becoming an MD-PhD

Earning dual degrees in medicine and research is an ambitious endeavor, but the impacts you can make on patient care and scientific research are significant and valuable to public health. An MD-PhD degree comes with some great benefits.

1. Interdisciplinary Perspective

The duality of the MD-PhD training allows graduates the ability to translate clinical observations into research questions, then taking research findings to enhance patient care. You will essentially be a bridge to the gap between the laboratory and the clinic.

2. Career Flexibility

Graduates can become practicing physicians, medical researchers, educators, and/or policy advisors. They may also take on leadership roles within academic institutions, hospitals, biotech companies, or pharmaceutical firms. 

The wide range of possible careers allows the flexibility to pursue a path that aligns with your passion.

3. Influential Impact 

The rigorous training in MD-PhD programs allows graduates to drive innovation in healthcare and medical science. This advanced education will have you asking critical questions and finding answers that can change the course of medical treatment and patient care. 

The potential to make significant contributions to the field of medicine is a rewarding and prestigious aspect of this career path.

4. Community and Mentorship

During their training, MD-PhD students join a tight-knit community of fellow dual-degree students, mentors, and faculty. This network can provide valuable support, guidance, and camaraderie during the demanding years of study. 

Post-graduation, this network continues to serve as a resource for collaboration, mentorship, and career advancement.

Are MD-PhD programs more competitive than MD programs?

In general, yes, MD-PhD programs are more competitive than MD programs. 

The statistics here can be a little confusing, though. 10% of applicants are accepted to an MD-PhD program, which is higher than the 3% that get accepted into MD programs. Acceptance rates are nearly the same as traditional medical programs, too.

But the quality of application for MD-PhD programs is inherently higher than traditional pre-meds. Your GPA and MCAT need to be higher, with well-developed extracurricular experiences and glowing letters of recommendation to have a chance at an MD-PhD program. 

Learn more about how we can help you boost your MCAT score.

Preparing to Apply to MD-PhD Programs

Applying for an MD-PhD program is done through AMCAS, just like MD programs. Preparation is key in the application process .

Being proactive, getting relevant experiences, understanding the requirements, and applying to multiple programs will significantly enhance your chances of success in securing a spot in an MD-PhD program. Applicants must be prepared to showcase themselves as doctor material and make a case for their desire to take part in research.

Here are a few tips for increasing your chances at acceptance.

Make sure you have the right extracurriculars under your belt.

Gaining relevant experiences beyond the classroom is crucial to showcase your commitment to a career in medical research. Admissions committees are looking for candidates with experience in research projects. 

It is absolutely necessary to have taken part in research to have a chance at getting into an MD-PhD program.

Check application requirements well in advance.

You’ll be required to meet all the AMCAS application requirements of MD programs. This includes the prerequisite coursework, your MCAT score and GPA, letters of evaluation, and personal statement . 

There are also two additional essays that are required on MD-PhD applications, which we’ll cover later.

We advise checking with each specific medical school on the requirements for their applications . Non-medical graduate programs may ask for your GRE scores. You want to make sure you’ve taken this test well in advance of the AMCAS open date. 

Our advisors can help you craft a personal statement for your MD-PhD that will stand out.

Apply to several programs.

Because of the limited number of programs and the competitive nature of MD-PhD programs, you should apply to multiple programs. Students who have gotten into these programs report applying to as many as 30 programs for the best chance to be accepted. 

Along with MD-PhD programs, we also recommend applying to some MD programs as well. On your AMCAS application, you can easily designate as an MD candidate or MD-PhD candidate.

Even if you don’t make it into the MD-PhD program of a medical school, you will still have the opportunity to be considered for their MD program.

MD-PhD Application Timeline

Get your medical school application in early — the same goes for MD-PhD applications. In fact, it’s even more important to have your primary application in as soon as possible to give yourself plenty of time to write your secondary essays. 

The MD-PhD application process follows the AMCAS application timeline :

• May: AMCAS application opens. You’ll receive your secondary application shortly after you submit your primary. 
• July-August: Submit your supplemental application within two weeks.
• October-March: Prepare for and attend all scheduled interviews.
• December-March: Application committees make final decisions. For schools with rolling admissions, this may happen shortly after an interview. Other institutions wait until after all interviews are complete to make decisions.
• March-April: Applicant decisions are made.
• June-August: Your MD-PhD begins.

Additional Essays in the MD-PhD Application

The MD-PhD application process includes two additional essays that showcase your commitment to a career as a physician-scientist. 

MD-PhD Essay

The MD-PhD Essay is your opportunity to express why you have chosen the dual-degree path and how it aligns with your career goals. Discuss your motivation for pursuing the ambitious MD-PhD degree. You should explain why both clinical practice and research are integral to your career vision and share personal experiences that ignite your interest in this path.

Describe your career goals and how integrating clinical practice and scientific research will allow you to achieve those goals. If you’re interested in a particular field, discuss how the blend of clinical and research training in the MD-PhD program will enhance your contributions to this field.

Significant Research Experience Essay

This essay is your chance to elaborate on your research experiences and demonstrate your scientific curiosity, perseverance, and ability to work independently. You’ll explain the objectives of the research project you have been involved in, your role in achieving these objectives, and the significance of the research.

You can also write about instances where you faced challenges and had to use your problem-solving skills, perseverance, and critical thinking to overcome them. Highlight your ability to learn from others, like your mentors, how you can collaborate, and contribute to a team-oriented goal.

If your work led to any significant findings, presentations, or publications, be sure to include this. Use this opportunity to communicate your passion for research and how these experiences have prepared you for a career that combines patient care and scientific investigation.

MD-PhD: The career path that moves medicine forward.

MD-PhD candidates have a commitment to both medical practice and research on this path. The journey is long and at times challenging, but for those driven by a passion for both clinical medicine and biomedical research, the reward lies in the unique ability to contribute to the advancement of healthcare as a physician-scientist.

Speak with a member of our enrollment team who can help you prepare your MD-PhD application.

Kachiu Lee, MD

Dr. Lee specializes in BS/MD admissions. She was accepted into seven combined bachelor-medical degree programs. She graduated Summa Cum Laude from Northwestern University and proceeded to Northwestern University’s Feinberg School of Medicine in Chicago, IL. After completing a dermatology residency at Brown University, Dr. Lee pursued a fellowship in Photomedicine, Lasers, and Cosmetics at Massachusetts General Hospital and was a Clinical Fellow at Harvard Medical School. Academically, she has over 100 peer-reviewed publications and lectures internationally.

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MD-PhD Programs: The Definitive Guide

Including a full list of all md-phd programs in the us and canada.

Your answer to the question “ why do you want to be a doctor? ” can help you determine whether MD-PhD programs are right for you. MD-PhD programs accept exceptionally bright and motivated applicants interested in becoming physician-scientists – this means that instead of focusing your time and efforts on clinical work, you will commit your life to scientific innovation and research. In addition to the demanding curriculum and extended period of study (7-8 years!), MD-PhD application procedures typically involve additional components and supplementary interviews.

Whether you are applying through AMCAS,  TMDSAS , or  OMSAS , you will be required to submit additional essay components explaining why you are the right fit for the MD-PhD program of your choice along with your  AMCAS personal statement ,  AMCAS Work and Activities , or TMDSAS application. In this blog, you will learn everything you need to know about MD-PhD programs, including a list of schools that offer MD-PhD programs, how to apply, and 5 tips to get accepted!

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Article Contents 17 min read

What is an md-phd program.

If you are contemplating between MD PhD vs MD , it's important to know what the MD-PhD programs entail. The MD-PhD program allows you to obtain a dual degree in both medicine and research to become what is known as a physician-scientist or medical scientist. After graduation, students will receive a combined MD/PhD degree with advanced, hands-on research training and expertise in a particular field of their choice.

Struggling to decide between MD-PhD and MD programs? Check out our video below!

The MD-PhD program is definitely not an easy one, it is designed for exceptional students who have a true interest and commitment to a career in medical research. If you're only interested in becoming a practicing physician, that doesn't require a PhD, so the MD-PhD program is not the right choice for you.

When considering if this program is well suited to your strengths and interests, ask yourself a variety of questions. Are you fascinated by the unknown? Do you find yourself asking why and how? Are you interested in a disease or condition that is commonly treated by physicians? Do you want to make new discoveries and implement what you've learned? Do you want to combine scientific research with medicine?  What is your greatest weakness ? If research is not your forte, perhaps MD-PhD programs are not for you. However, if you feel a definite drive and determination to pursue medicine and research at the same time, the MD-PhD program is a perfect option.

Does my PhD have to be in laboratory research?

PhD programs on offer vary from school to school, therefore, depending on the school you apply to, you may not necessarily have to train in laboratory research. The vast majority of MD-PhD students obtain their PhD in biomedical laboratory fields of study. This includes genetics, neuroscience, and immunology. However, some schools offer research in fields outside of the laboratory in fields such as economics, public health and sociology.

Although each program has its own curriculum, all MD-PhD programs train students to become competent physicians as well as skilled scientists. Most students complete the degree within 7 to 8 years. The length of your degree will depend on several factors, like your clinical requirements, PhD requirements, progress of your research, and the time needed to develop into an independent investigator, which is the primary goal of the PhD training. Typically, students can choose to divide their training into 2-3-2 track or 2-4-2 track. You start the program by mastering basic science courses as an MD student for 1 or 2 years, followed by an intense period of PhD research for 3 or 4 years. The PhD period is very demanding because you must complete your research, thesis writing, and defend your work within this short timeframe. The last 2 years are dedicated to clinical training.

This is a general outline, but each program may have its own approach. For example, there may be more research integrated into your first two years of study. Some programs may require you to participate in research labs during the summer between first and second years to get acquainted with programs and departments related to your research interests. Depending on your research, you may be required to start clinical training during your PhD component.

The general timeline of completion is as follows:

2 years of clinical training to prepare you for residency. After clerkships, you will complete the USMLE Step 2 exam and any other MD requirements of your program. "}]">

MD-PhD programs are not just a combination of two separate degrees. During your studies, you will be exposed to unique activities and training designed specifically for MD-PhD students. These will include courses and workshops, seminars dedicated to research and professional development, and sessions where you will be able to present your research. You will also be able to join your colleagues in student retreats and conferences designed specifically for this combined degree.

Having an MD PhD vs MD degree allows you to enjoy a career that combines both research and medicine. You have the opportunity for exploration, scientific discovery and medical intervention. Most MD-PhD graduates work in medical schools, research institutes or teaching hospitals, but there is also the option of working in public health, for pharmaceutical companies and even running your own lab.

How can I afford this program?

If a school is offering an MD-PhD program, they are very aware of the difficulty in training to become a doctor and researcher at the same time. They value physician-scientists highly and fortunately, most programs offer some sort of funding opportunities to students. This can include tuition waivers and a stipend to help cover the costs of living expenses. The National Institute of General Medical Sciences (NIGMS) provides funding to 49 MD-PhD programs through the Medical Scientist Training Program (MSTP). These programs are extremely competitive as the funding offers a tuition allowance and a basic stipend, with most institutions supplementing the stipend.

Want some more tips on how to pay for medical school? Check out our guide below:

Which schools offer the MD-PhD/MTSP program?

MD-PhD programs are not a prerogative of those seeking the easiest medical schools to get into . While their number is growing all over Canada and the US, here I've included an up to date list, which is also available on the AAMC website. In addition to this guide, the AAMC website is a great resource where you can find a variety of other helpful tools for MD-PhD prospective students.

The following tabs show the list of schools that offer the MD-PhD/MSTSP program in the US, organized state-wise and alphabetically. Please use the right and left arrow to navigate to more tabs.

Applying to an MD-PhD program is essentially the same as applying to an MD program. If you haven't already done so, you will have to write the MCAT. Check out our blog for the current MCAT test and release dates . Almost all programs use the American Medical College Application Service (AMCAS) where you have a chance to apply as an MD-PhD applicant. As with MD programs, some will require a CV for graduate school , along with a statement of purpose . The only difference is that for MD-PhD applicants, you will be required to provide two additional essays: the first should answer why you want to pursue MD-PhD training, the second should showcase your research experience. There are a few programs that are using an alternative service for accepting applications, so be sure to check which service your program is using.

MD-PhD Program Requirements

Prerequisites.

MD-PhD programs require the completion of a four-year undergraduate degree and background in the following disciplines:

This can include general chemistry, organic chemistry, as well as biochemistry. "},{"number":"4","title":"One year of Physics","comment":""},{"number":"5","title":"One year of Math","comment":""}]" code="timeline2">

These medical school prerequisites are the baseline. Your academic record should demonstrate that you have taken a variety of science and non-science courses. Admissions committees will note the difficulty levels of your coursework and your academic improvement over time. Make sure to check with your program of choice for any specific course requirements, i.e. advanced placement classes, online courses, etc. The most important prerequisite for MD-PhD programs is your research background and your experience in the lab.

GPA and MCAT

According to the latest AAMC statistics, the average GPA of MD-PhD matriculants is 3.8, while the average MCAT score is 516. These are very impressive numbers and you must strive to at least meet these averages if you’re planning to apply. If your academic record does not reflect these numbers, you need to get your grades up. To improve your GPA, re-enroll in classes you performed poorly in and get a higher grade. Not only will this increase your GPA, but it also demonstrate your dedication, patience, and desire for improvement. Ask your instructors and teaching assistants if you can do anything for extra credit. Find a tutor or a study buddy to help with disciplines you struggle with the most. You can also plan your school schedule to include courses in disciplines you ace. If working on your GPA is not a priority for you, find out how to get into medical school with a low GPA .

Your MCAT score is an important indicator of your academic prowess. Before you take the test, make sure you know what is a good MCAT score and when to start studying for the MCAT . Give yourself ample time to prepare. Start by taking an MCAT practice test to figure out what areas of knowledge and concepts you need to improve. Create an MCAT study schedule that incorporates a variety of active and passive study strategies. Keep taking practice tests to see if you’re improving. If you consistently score at the 90% percentile in your practice tests, you can start planning to take the real MCAT. Remember, take the test only when you feel ready. If you’re still wondering “ When should I take the MCAT ?”, read our blog to get some tips.

Are you thinking of retaking the MCAT? Check out our tips below:

Altus Suite

Firstly, research whether your schools require the completion of the entire Altus Suite, or whether it's one of the medical schools that require CASPer only. If your schools require the completion of the entire Altus Suite, you will also need to complete the Snapshot interview and the Duet profile. It's challenging to prepare for all three Altus Suite components, but CASPer remains the most intimidating.

The CASPer test is an online situational judgment test that claims to assess the professional suitability of students applying to professional schools, including medical schools. The entire test is written on a computer and the students only receive their percentile scores. The test is comprised of 15 scenarios dealing with real-life situations. You are asked 3 follow up questions based on the scenario observed. The questions will ask you to answer how you would deal with the situations you witnessed. In the first section of the test, you are given 5 minutes to type your answers for those three questions. In the second section, you will be given 1 minute to record your answer to each of questions. The format is a challenge, so that's why it's so important to make sure you know how the CASPer test is scored .

You have probably heard that it is impossible to prepare for CASPer. It is indeed difficult, but there are important approaches that you can implement to ace your CASPer test! The key is to know what categories of questions are typically included in a CASPer test and to have a concrete answer strategy for each question category. This means that even though nobody knows what exact questions you are going to get on your test, you will have an approach for answering any questions that may come your way. Make sure you know how to prepare for CASPer and go over our CASPer practice questions to ace your test!

You will need to submit a total of three essays for the MD-PhD program if you’re applying through AMCAS. On top of your AMCAS personal statement, you will need to submit two additional essays: the significant research experience essay and the MD PhD essay . If you’re applying through TMDSAS, you will need to submit the Dual Degree essay along with the other essay application components.

While your medical school personal statement answers the question “Why do you want to be a doctor?”, the MD-PhD specific essays must demonstrate your research expertise and answer why you would not be satisfied with a career pursuing only one of the two programs. The significant research experience essay must outline the most valuable research experiences you’ve had. You will have 10,000 characters, including spaces, to give detailed accounts of your research projects: the nature of the problem studied, your role and contribution, duration of the project, and the name of your principal investigators and their affiliation.

Your AMCAS MD-PhD essay must be no longer than 3,000 characters long. The TMDSAS dual degree essay is limited to 5,000 characters including spaces. These essays must convince the admissions committees that you would be the right fit for the combined degree and how your experiences have led you to apply to it. Your MD-PhD essay should tell the story of how you became involved in scientific research and how you want to apply your research to medical practice.

Remember, in this essay, you must link your passion for research to clinical practice. Adcoms need to see that you can be both: an expert researcher and a competent MD. You must demonstrate why you are an ideal candidate for the combined program, so do not simply focus on your research background. Showing interest in research alone may eliminate you from the applicant pool – adcoms will think that you can simply pursue a PhD. While focusing only on research is great for the significant research experience essay, your dual degree and MD-PhD essays must be crossovers between your scientific research and the experiences you had working with patients and physicians. Ideally, you will be able to show how your research interests are inspired by clinical experiences or patients you’ve had a chance to work with.

Want to know how to write the MD-PhD essay? Check out our video below!

Research Experience

As an MD-PhD applicant, you must have substantive research experience. Having a quality research background will indicate to admissions committees that you understand what you are getting into and that you have been exposed to research methods and techniques. Ideally, your application will demonstrate that you have been involved in multiple research projects, including thesis research. Your application must show that you have dedicated a substantial amount of your undergraduate degree to scientific research, otherwise the adcoms might wonder why you are pursuing a research-oriented program.

What is most important in your research background is the quality of the experiences. You do not need to get involved in hundreds of research projects to make a great impression on the adcoms. Even one valuable research project can demonstrate your curiosity and commitment to scientific research. Having spent an extended period of time on a research project showcases your dedication, genuine interest, and high level of expertise in a research field.

Make sure you can identify what you have learned from your research experiences – you will have to outline valuable lessons and skills you acquired in multiple parts of your MD-PhD application and interviews. Ideally, you can discuss the relationship between your research experience and the medical field. Remember, you do not need to have an extensive background in medical or clinical research. Laboratory skills are transferable from discipline to discipline. However, even if you have little to no clinical research background, you must show that you have reflected on the relationship between your own research experiences and their application to the medical field. An MD-PhD application is a tough balancing act: you must always remember to honor the integral relationship between research and clinical practice.

If you’re looking to bolster your research background, try looking for research assistant positions on campus. Talk to your instructors and teaching assistants to find out if they are involved in research projects and whether they need help. Keep your eyes out for any research position postings on your school’s website or around science departments. If you’re no longer a student on campus, reach out to your former instructors and ask about research opportunities. You can also contact physicians you volunteered with or shadowed, to find out if they or their clinic are involved in research projects. Even if they are not, physicians can often recommend some names of organizations and other medical professionals who are research-oriented.

Keep in mind that if you apply to research positions, you will need to assemble a strong application, including a research assistant cover letter and CV. If academia is your passion, then you might want to look into special master’s programs . These graduate degrees are specifically designed to build-up students’ medical school applications and may help you improve the quality of your research background.

Are you looking for research positions? Check out our tips below:

While it’s true that MD-PhD applicants highly value research and progress, you do need to demonstrate to MD-PhD admissions committees that you have clinical background. It is one of the key extracurriculars for medical school , so having no clinical background will significantly decrease your chances of acceptance to an MD-PhD program. You must provide evidence to justify your suitability for both research and medicine and that you have taken the necessary steps to test drive your future career.

Remember to emphasize quality over quantity – you do not need to have an extensive clinical background to impress the adcoms. Choose to volunteer or work with organizations and institutions that would further inform your decision to apply to MD-PhD programs. Patient care is at the heart of the medical profession, so it is vital for MD-PhD applicants to get exposed to patients, who are after all the greatest inspiration for medical research and progress. Apply to work and volunteer in clinics, hospitals, and hospices. Apply to volunteer in long-term care and retirement homes. Gain clinical experience by working as a health professional’s assistant, become a certified nursing assistant (CNA), or a volunteer emergency medical technician (EMT), a medical scribe, or a personal caretaker.

Shadowing a physician can also greatly inform your knowledge of clinical practice. As a passive observer, you will get to see the everyday responsibilities of a practicing physician. Take note of memorable lessons you learn – they may prove to be invaluable sources for your MD-PhD essays. Make sure you know how many shadowing hours are required for medical school to fulfill the requirement and how to ask to shadow a doctor . Remember, committing to a clinical setting or shadowing a physician will provide you with an opportunity to reflect on how research can improve medical practice. Without clinical background, your perception of the medical field and medical research will not be complete.

MD PhD Program Statistics

Average mean statistics for MD-PhD matriculants in the US:

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Residency Options

You might be wondering what kind of residency options MD-PhD graduates have after so many years of rigorous training. Just like the rest of applicants, you will need to use the ERAS application to apply to American residency programs and CaRMS to apply to programs in Canada.

First of all, you must know that as an MD-PhD graduate you will need to do a bit more research into residency programs than regular MDs. This is because not all residency programs focus on the research side of medical training. If you want to further your scientific as well as your clinical education, you will have to do a little more work to figure out which residencies will allow you to do so.

Start by speaking with your program mentors who can suggest residencies they know to be particularly research-friendly. You can check programs' research track records to see if they value research and what kind of opportunities there are to shorten the residency for research-track trainees, such as the Accelerated Research Pathway (ARP), Integrated Research Pathway (IRP), and other physician-scientist track programs.

Look for residencies that have been specifically developed to foster the training of physician-scientists by fully integrating research into the clinical training. These programs usually offer shortened residency (specialty) training by allowing students to shorten their training by 1 year, depending on the specialty. Make sure that the residency offers their trainees to start research right at the beginning of the program, rather than choosing a full-time lab later in the process. Find out if there is any special financial support for graduates of the combined programs.

To learn more about opportunities for physician-scientists, check out the American Physician Scientist Association list of residencies. Be aware, that if you decide to pursue clinical practice rather than research after your graduate from MD-PhD, you can still pursue residency in any specialty you choose.

1. Gain extensive research experience.

Admissions into MD-PhD programs are highly competitive, and your research experience is essential to your success in gaining entry into the program. You must be able to demonstrate a longstanding commitment to research. Be sure to start gaining experience as soon as possible and try to diversify that experience. For example, you could work in a medical laboratory, research hospital and for a pharmaceutical company. While it is a start to work as a lab tech, the majority of your experience should be focused on hypothesis-based research. The admissions committee will be interested in your ability and experience in developing a hypothesis into a research problem, testing that hypothesis by conducting research and generating a report to document your findings. Try to tailor your research experiences to the field in which you want to pursue, experiences in the biomedical sciences are very useful but not necessarily required if you'll be studying in fields outside of the laboratory.

2. Contribute to publications.

Try to publish your research findings or contribute to publications to help demonstrate the active role you played in conducting research. This can be a great way to give you a competitive edge as not all candidates have been published or have contributed to publications. If you have been published or contributed to a publication, even if you only played a small role, be sure you are very familiar with the paper and major details surrounding the research. During your interview, the admissions committee will ask you questions about the research you participated in and will want to see your thorough understanding of that research. In a previous blog, we discuss some of the hardest grad school interview questions and answers, as well as common medical school interview questions be sure you review these to help you prepare for your interview.

3. Develop good relationships with your research mentor.

It is very important to develop good relationships with your research mentors straight away. When you apply to MD-PhD programs, you'll have to provide letters of recommendation and the best recommendations will come from a mentor who has spent a long time with you, has been able to directly assess your research skills and has a strong relationship with you.

4. Gain shadowing experience.

Gaining shadowing experience is important for students applying to an MD program so it's no different for those interested in MD-PhD programs. Remember, you are not only demonstrating your passion for research, you should also be interested in becoming a clinical doctor. Shadowing is a great way to learn quickly in a medical environment and gives you excellent experiences that can be discussed in your application or during your interviews.

5. Volunteer and participate in extra-curricular activities.

Community projects and extracurriculars for medical school are a great way to demonstrate a variety of skills desired by the admissions committee such as leadership, teamwork, commitment and problem-solving. Whether you are a tutor, a teaching assistant, or are even part of a debate club, your experiences and what you gained or learned from them are essential. Check out our blog on volunteering to find out how many volunteer hours for medical school you need, as well as the best type of volunteer activity to make your application stand out.

While research is going to be the major focus of the MD-PhD, you must still have sufficient clinical and shadowing experience to assure that medicine is also a desired component of your career. If you do not have clinical and patient experience, the admissions committee will question why you’re applying to the combined program, rather than simply a PhD.

Most applicants do not have master’s degrees. However, some students pursue graduate education to bolster their MD-PhD applications. For example, some students choose to complete special master’s programs to gain valuable research experience.

There is a possibility that your school of choice will forgive a lower GPA if the MCAT score is high. Likewise, if an MCAT score is lower than the school’s typical average, the GPA may compensate for it. However, due to their highly selective process, MD-PhD programs take only the best. Try to ensure that your GPA and MCAT score meet the averages of the schools to which you’re applying. Remember, your GPA and MCAT are not the only components of your MD-PhD application but they are often used to weed out students from the application pool.

While most programs require only the MCAT, some programs may ask you to submit GRE scores as well. Check with your program to make sure.

A good research experience provides you with the opportunity to conduct hypothesis-driven research. You get the chance to develop this hypothesis into a research problem, conduct research to test the hypothesis, and then report the outcome and significance of this research. You do not need to have research experience in the medical field to qualify for MD-PhD. Many research skills are transferable across disciplines. As long as you learn valuable research skills and understand the process, your research experience can come from any field you like.

The quality of your research experience is more important than its amount. Your application can be strong if you convey genuine interest and experience in only one research project. Your progress and commitment to a specific research area demonstrates expertise and dedication. It is not necessary to be involved in dozens of research projects or make any ground-breaking scientific discoveries to enter the MD-PhD program. In your application, focus on what you have learned and accomplished and don't be afraid to discuss your setbacks in addition to your accomplishments.

If you have publications, make sure to include them in your application. Having published research can give you a competitive edge as not every applicant will have this experience. Keep in mind that you must have an in-depth understanding of this research because you will be asked about it during your interviews. However, for the most part publications are not necessary. Many students apply directly out of undergrad and admissions committees understand that it is difficult to contribute to publication at such an early stage in your education.

Early applications are highly encouraged since most programs have rolling admissions. Most MD-PhD programs are affiliated with the AMCAS where you apply through a primary application and then complete a MD-PhD program-specific secondary application. The AMCAS application site opens in early June; most programs suggest that your application be submitted and completed before September.

Medical Scientist Training Program (MSTP) is an MD-PhD program that has been awarded a training grant (T32) from the National Institute of General Medical Science that financially supports trainees in the program. There are currently about 49 MD-PhD programs that have T32 awards. Non-MSTP MD-PhD programs also provide environments where students obtain outstanding dual-degree training.

Each institution has a financial package. Most programs offer a monthly stipend and a full tuition scholarship for the length of the program. Check with your program of choice.

It takes 7 to 8 years. You must complete both MD and PhD degree requirements to graduate. Typically, you start the program by mastering basic science courses as an MD student for 1 or 2 years, followed by an intense period of PhD research for 3 or 4 years. During the PhD period, you must complete your research, thesis writing, and defend your work. The last 2 years are dedicated to clinical training.

These programs aim to train physician-scientists, but other research-oriented career paths are also possible. Graduates of MD-PhD programs often go on to become faculty members at medical schools, universities, and research institutes such as the National Institutes of Health (NIH).

Ideally, at least one of your writers will be the head of a research project in which you participated. It is important to have a person who can speak to your research skills and progress. Other writers can include professors and instructors, volunteer and work supervisors, athletics coaches, or a physician you worked with or whom you shadowed.

It is completely normal to change direction in your research throughout your studies. Many students change their research fields after they gain more research experience. Rather than setting in stone what you are going to study, your application is meant to demonstrate the quality of your experiences and whether you are ready for the rigors of MD-PhD training.

It is certainly possible to become a physician-scientist without obtaining an MD-PhD degree. However, if you are lucky enough to know that you want a career based in medicine and research, the joint program is the most effective way to become a physician-scientist. You can complete an MD first and obtain a PhD afterward, or you could complete a PhD first and obtain your MD afterward, however, the disadvantage is that this route takes much longer. Some schools will let you transfer into their MD-PhD program if you've completed a year or two in a medical or graduate school program at their school. If you are a few years into a medical or graduate school program at a different school however, most schools will not accept your transfer, although it can happen on rare occasions.

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Is an MD/PhD Program Right for You?

MD-PhD programs may be right for you if you are interested in a career path that melds both clinical practice and in-depth scientific research. MD-PhD graduates aren’t simply doctors; they are “physician-scientists” or “medical scientists.”

MD-PhD programs offer a dual-degree track that combines the clinical training of a standard MD degree with the added coursework of a PhD. The PhD training is particularly rigorous and includes classes usually in the realm of biomedical sciences, as well as advanced research training, lab rotations, and intensive investigative work.

The payoff for choosing an MD-PhD program is that these clinical medicine graduates are equipped to treat patients while also participating in the discovery and development of innovative healthcare solutions. 

Here are a few reasons you might want to pursue an MD/PhD career:

• You want to participate in cutting-edge medical research.
• You want career options beyond clinical medical practice.
• You want to help train future generations of medical doctors.
• You want more collaborative research opportunities with colleagues.
• You want funding opportunities only available to MD/PhD students.

The Difference Between MD & MD/PhD

The difference between MD and MD-PhD is that graduates with an MD-PhD receive PhD training and hold a PhD degree in addition to their MD degree.

The cost of an MD-PhD program varies widely depending on the institution. Still, the stipend and tuition-free training make many of these programs significantly less financially burdensome compared to standalone MD or PhD programs.

MD/PhD students will complete graduate school and medical school qualified to hold positions in academic medicine and biomedical research (in addition to being qualified to practice clinical medicine. 

What Is an MD?

A medical doctor has earned a standard medical degree or MD and is skilled to practice clinical medicine. Medical students must complete 4 years of medical school to earn their degree, followed by 3-7 years of residency and fellowship training to practice medicine.

What Is a PhD?

PhD stands for Doctor of Philosophy in reference to their critical knowledge and research experience in a particular field of study. A PhD is the highest possible academic degree.

Earning a PhD is often considered harder than earning an MD due to the scientific research required to stimulate original thought and develop quality hypotheses.

How Competitive Are MD/PhD Programs?

Physician-scientist programs are slightly more selective and competitive than the average medical program.

Between 2018 and 2023, a little more than one-third of students who applied to an MD/PhD program (37.7%) were accepted. The acceptance rate for medical school applicants in general was 41.2% for the 2022-23 application cycle.

The test scores of these programs also indicate how much more competitive these programs are. The average MCAT score of MD/PhD matriculants in the 2022-23 cycle was 516.2, and their mean GPA was 3.82. In comparison, medical school matriculants overall had an average MCAT score of 511.9 and average GPA of 3.75 during the same cycle.

How Long Are MD/PhD Programs?

The MD-PhD dual degree takes approximately 7-8 years of coursework to complete, followed by an additional 3-7 years of residency to be eligible to practice medicine. 

Generally, MD coursework is emphasized in years 1-2, followed by research training in years 3-5, and ending with medical training and clinicals in years 6-8. 

Requirements for MD/PhD Applicants

If you are considering applying to an MD/PhD program , know that having strong essays and letters is more important than incrementally higher MCAT test scores and GPAs. Numbers get your foot in the door; storytelling gets you a seat at the table. 

In general, the requirements for MD/PhD applicants include:

• MCAT score in the 90th percentile: Specific MCAT requirements for MD/PhD programs vary by school. However, in general, most students have the best chance at success with an MCAT score in the 90th percentile or higher. In the 2022-23 application cycle, MD/PhD applicants had an average MCAT score of 511.3, while matriculants averaged 516.2.
• GPA of 3.7 or higher: Like MCAT scores, the GPA requirements for MD/PhD programs differ by program. But your chances are highest with an average GPA of at least 3.7. In the 2022-23 application cycle, MD/PhD applicants averaged a science GPA of 3.61 and overall GPA of 3.68, while matriculants averaged a 3.78 science GPA and 3.82 overall.
• Compelling personal statement: Your personal statement essay should explain why you want to become a physician and is required for both MD & MD/PhD applications . All prospective doctors must write a personal statement that stands out, and this is doubly true for MD/PhD applicants.
• 2 additional essays: You’ll write one essay conveying your personal interest in pursuing an MD/PhD dual degree specifically, and one essay covering your substantive experiences in the field of research . These may include multiple summer projects, senior thesis research, or 1+ years of post-undergrad research programs and activities.
• 2-3 letters from research mentors who can praise your scientific potential.
• 1-2 letters from clinical mentors who know your aptitude for patient care.
• 1 letter from the premed committee.
• 1 letter from a mentor who can discuss your leadership skills and personal traits in an extracurricular setting.

Questions to Ask Yourself When Considering an MD/PhD Program

By answering these questions, you can choose the graduate program that is the best fit for you over the next 8 years.

• What skills do you want to develop? Choose a program that has ample opportunities to explore your field of interest and in which you can identify potential mentors for rotations and thesis projects.
• What is your preferred MD/PhD program size? Choose a smaller program of MD-PhD students if you prefer hands-on guidance with individualized attention and a larger program if you prefer a larger community with more networking opportunities. 
• Where do you want to live for 8 years of medical school ? Choose a location that fits your needs for cost of living, housing, transportation, extracurriculars, as well as opportunities for fun and making friends. 
• Does the program offer financial aid? Choose a program that meets your financial needs in the form of stipends and tuition waivers. It’s important to note that if you drop out of an MD-PhD program, some schools require you to pay back the investment that the school made in you. 
• Will you fit into the school’s culture? Choose a program after you’ve visited the campus, talked with the current students and faculty, and asked about opportunities in your field of interest as well as other’s experiences at the school and living in the city.
• Does the MD/PhD Program align with your timeline? Choose a program with coursework that allows you to graduate in your preferred timeline, which could be sooner or longer than eight years.

Possible Career Paths for MD/PhD Graduates

A career choice often depends on an individual’s specific interests, such as which medical specialties they are drawn to, whether they prefer working with patients or in a laboratory, and how they want to contribute to advancing medical science.

The salary range for MD/PhD graduates varies significantly by position and type of work. Policy analysts’ starting salary is around $57,000 per year, while attending physicians who do research can make upwards of $500,000.

Below are careers someone with an MD-PhD might pursue:

Attending Physician with Research Responsibilities

An MD/PhD holder in this position would have a traditional medical role seeing and treating patients, but they might also have dedicated time for research. This role allows one to continue practicing medicine while contributing to academic or clinical research. 

Individuals in this role often split their time among patient care, research activities, and instructional duties. Typically, they are found in educational hospitals or medical schools.

Physicians’ salaries can vary significantly based on specialty and experience, but generally, they are well-compensated. An attending physician in a specialized field can expect to earn upwards of $200,000 to $500,000 or more, especially if they have dual responsibilities that include research.

Translational Medicine Specialist

These specialists work at the intersection of basic research and patient care, focusing on turning research insights into practical medical applications. 

This role may exist within academia, industry, or clinical settings and is tailored for those who understand both the clinical and research aspects of medicine.

The salary for this role can also vary based on industry, location, and level of experience but would likely fall in the range of $150,000 to $250,000 or more.

Biomedical Researcher

Those with MD-PhD qualifications commonly secure jobs as researchers within biomedical science. Employment settings can range from academic institutions and drug companies to governmental agencies like the NIH.

Salaries for biomedical researchers typically fall somewhere between $85,000 and $104,000 per year.

Clinical Research Director

These are medical doctors responsible for overseeing clinical trials and research projects, usually within a hospital, academic institution, or pharmaceutical/biotech company. This role leverages both the clinical insights from an MD and the research methodology of a PhD.

Salaries can vary widely depending on the setting (academia, private industry, etc.) and geographic location. In general, a Clinical Research Director could expect to earn a six-figure salary, often ranging from around $150,000 to $250,000 or more per year.

Pharmaceutical/Biotech Industry Professional

A significant number of MD-PhDs join the pharmaceutical or biotech sectors. Responsibilities might include roles in the development of new medications, overseeing clinical trials, regulatory compliance, or managing medical affairs.

The average salary for this position will likely differ quite a bit depending on the exact role and company, but the average is generally between $125,000 and $133,00 per year.

Medical Director

In this capacity, a person is in charge of the medical elements of a healthcare facility or a specific department within a hospital. The role usually calls for expertise in both medical practice and research.

This position is likely to be one of the most lucrative of the MD/PhD field, with an average salary from $319,000 to $329,000 per year.

Science Policy Analyst/Advisor

Individuals in this role often find themselves in governmental or nonprofit settings, where they influence policy decisions related to scientific research and healthcare.

The typical salary for a science policy analyst starts at around $57,000 per year. Advisors have a slightly higher upper salary range and may make as much as $75,000.

Public Health Official

Some MD-PhDs opt for roles in the public sector where they focus on health concerns at a societal level. They may be employed by organizations such as the CDC or WHO.

In many cases, public health officials can expect to make a yearly salary of between $101,000 and $111,000.

Medical Science Liaison

This role typically serves as an intermediary between pharmaceutical enterprises and medical professionals. These liaisons disseminate information about new treatments and scientific advancements to doctors, researchers, and other medical stakeholders.

This role also typically commands a six-figure salary, usually ranging from approximately $100,000 to $200,000, depending on experience, location, and the hiring organization.

Medical Educator

Professors teach medical students, residents, and fellows in an academic setting while also conducting research. These doctors often have clinical responsibilities as well. An MD/PhD is especially well-suited for this role due to the dual focus on clinical care and research.

They may teach various medical subjects like pharmacology or genetics and actively participate in the educational goals of their institutions.

In academia, salaries can vary widely based on rank (Assistant Professor, Associate Professor, Full Professor), institution, and geographic location. Salaries may range from $100,000 to well over $200,000 for senior roles or those at prestigious institutions.

Best MD/PhD Programs in the US

There are 122 different American Universities that offer MD/PhD degree programs, according to the AAMC list of MD-PhD Programs by State . A further 13 Canadian programs also use the AMCAS application system.

Some MD-PhD programs in the United States are funded by the National Institutes of Health (NIH) through the Medical Scientist Training Program (MSTP). This means that students receive full tuition remission, health insurance, and a living stipend throughout their training.

Medical schools with fully funded MD-PhD programs :

• Dartmouth University, Geisel School of Medicine
• Duke University School of Medicine
• Harvard/M.I.T MD-PhD Program, Harvard Medical School
• John Hopkins University School of Medicine
• Mayo Clinic College of Medicine & Science
• University of Florida College of Medicine
• University of Pennsylvania, Perelman School of Medicine
• University of Southern California (USC), Keck School of Medicine
• Yale University School of Medicine

Medical schools with the most MD-PhD spots historically: 

• Raymond and Ruth Perelman School of Medicine at the University of Pennsylvania
• University of Illinois College of Medicine
• Weill Cornell Medical College
• Washington University in St. Louis School of Medicine
• Johns Hopkins University School of Medicine
• Albert Einstein College of Medicine of Yeshiva University
• University of California, Los Angeles David Geffen School of Medicine
• University of Michigan Medical School
• Columbia University College of Physicians and Surgeons 
• University of Pittsburgh School of Medicine
• Harvard Medical School
• Case Western Reserve University School of Medicine
• Northwestern University The Feinberg School of Medicine
• Icahn School of Medicine at Mount Sinai
• University of California, San Francisco, School of Medicine
• Vanderbilt University School of Medicine
• Ohio State University College of Medicine
• University of Wisconsin School of Medicine and Public Health
• New York University School of Medicine
• Stanford University School of Medicine
• Yale School of Medicine

Medical schools with MD/PhD programs that accept international students:

• Emory University School of Medicine
• Northwestern Feinberg School of Medicine
• University of Pennsylvania Perelman School of Medicine
• University of Southern California Keck School of Medicine/California Institute of Technology
• University of Texas Southwestern Medical School
• Washington University School of Medicine in St. Louis

The MD/PhD Application Process

The application process for MD-PhD programs is similar to that of typical MD programs. The two major differences are that you’ll designate yourself as an MD/PhD candidate on the AMCAS application, and you’ll submit 2 additional essays on that primary.

The Application Timeline

• AMCAS (submit by end of May): You’ll fill out a primary application through AMCAS in the spring of the first year of your application cycle (e.g., to matriculate in fall 2026, you’ll submit AMCAS in spring 2025). AMCAS opens at the end of May each year. Aim to submit the primary application no later than the end of June, as early applications are more likely to be reviewed and accepted.
• Secondaries (submit by end of August): You’ll respond to secondary applications in the summer after your primary application is reviewed by each school you submitted it to. Each program sends secondary applications to students who generally meet their minimum requirements.
• Interviews (October-March): You’ll then attend interviews as invited between October and March. Some schools won’t contact you at all to reject your application; others will offer conflicting invites. You must prioritize your options and prepare for the opportunities that do come. 
• Final decisions (December-March): Final decisions are made by schools between December and March. Schools with a rolling admissions cycle (most of them) accept students after completing interviews and determining a student is a fit. A smaller number of programs wait to send acceptances until after all interviews are complete.
• Choose your program (March-April): Students choose where to matriculate between March and April.
• Programs start (June-August): Programs begin between June and August, depending on the school.

How to Prepare for an MD/PhD interview

You should prepare for your MD/PhD interview by practicing mock interviews to rid yourself of the jitters and fine-tune your responses in various scenarios. In addition to developing your personal narrative, you must be able to explain your research training at multiple levels.  

If you’re interested in participating in a mock interview with a physician who has served on an admissions committee, consider a mock interview with MedSchoolCoach .

What to Do if You Get Waitlisted

Finding out that you’ve been waitlisted for the MD/PhD program of your dreams is never a good feeling. However, you are not helpless in the wait. It’s a good idea to remain in contact with program leaders and administrators by sending a Letter of Intent or a Letter of Interest.

Listen: An MD/PHD’s Journey to Medicine [PODCAST]  

What is a Letter of Intent vs. a Letter of Interest? 

A Letter of Intent is a formal statement that you would commit to matriculating into a program if you are accepted. A Letter of Interest conveys that you are strongly interested in the program, but it does not indicate any commitment or explicitly state that a program is your first choice.

Both letters should summarize why you believe the program and school are a great fit for your interests and how you will be able to uniquely contribute to the school, in under one page.

Finding Out You’ve Been Accepted!

The day you receive that phone call or email — the one from the MD-PhD program director contacting you to say you have officially been offered acceptance into their program — provides a feeling of joy worth being patient for!

Our Physician Advisors can support you through the application process for your best shot at getting into the school of your choice.

What specialties can MD/PhD graduates earn their PhD in?  

PhD students commonly choose to specialize in topics such as:

• Cell Biology
• Biochemistry
• Pharmacology
• Neuroscience
• Biomedical Engineering

What is the salary range for an MD/PhD graduate? 

MD/PhD graduates can expect an average annual salary of about $100K, depending on the type of work and place of employment.

What is the difference between a PhD and a Postdoctorate? 

A Postdoctoral Fellowship is a temporary period of mentorship and research training for graduates with doctoral degrees, offered by the National Institutes of Health, to acquire skills needed for a chosen career. A PhD thesis must be successfully defended, whereas a postdoc is a non-defendable temporary employment assignment from an organization such as a university.

Can an MD/PhD be a doctor? 

Graduates who earn an MD/PhD are fully qualified doctors and may practice medicine in a clinical setting upon completing their residency training.

Can an MD/PhD graduate be a surgeon? 

While an MD/PhD graduate CAN be a surgeon if they choose surgery specialties in their residency programs, a surgical resident is not required to obtain a PhD in addition to their MD.

Schedule a free 15-minute consultation with MedSchoolCoach to learn how we can help boost your chances of success getting into medical school .

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Is an MD-PhD Right for Me?

New section.

Do you want the opportunity to train in both medicine and research? An MD-PhD allows you to do just that. But what does it mean to become a physician scientist? We asked AAMC experts to explain why you might want to consider this type of training.

As you prepare to apply to medical school, it’s valuable to explore other potential career paths beyond a traditional MD degree. One path to consider is an MD-PhD degree, which provides training in both medicine and research.

But how do you know if it’s the right career path for you? We asked AAMC experts to explain the advantages of training to be a physician scientist through an MD-PhD program.  

Who are physician scientists? Physician scientists are focused on scientific discovery and patient care at the intersection of science and medicine, understanding human health and disease from a scientific and clinical perspective. Physician scientists have the unique ability to identify and study important questions in health care. There are four pathways to become a physician scientist:

• Complete MD training and then conduct extended research through fellowship training.
• Complete MD training and then return to graduate school to earn a PhD degree.
• Complete PhD training and then enter medical school to earn an MD degree.
• Work towards both degrees simultaneously in a dual MD-PhD degree program.

In each pathway, students are exposed to a career in scientific research while also treating patients in a clinical setting.

What are MD-PhD Programs? MD-PhD programs provide training for the dual degree by integrating research and clinical training experiences where students learn to conduct hypothesis driven research in a mentored environment. There are over 100 MD-PhD programs affiliated with U.S. medical schools, and the National Institute of General Medical Sciences partially supports approximately 45 programs, known as Medical Scientist Training Programs (MSTPs). 

These programs provide unique training experiences, including MD-PhD specific courses and professional development workshops, visiting scholar seminars, retreats, opportunities to attend national conferences and join organizations, and mentoring for graduate and residency training. The students and mentors in these programs are a vibrant community, working to advance the trainees’ development as a scientist and physician. 

How long does training take?

The MD-PhD career path is a commitment, as training to complete both MD and PhD degrees takes about 7 or 8 years.

How do I pay for a MD-PhD program?

Most programs offer financial support, including stipends, tuition waivers, and health insurance to help students cover the cost of their scientific and medical training.

Who are MD-PhD students?

Annually, an estimated 600 students matriculate into MD-PhD programs. This is only about 3% of all students who matriculate into medical school. PhD training for MD-PhD students is typically in biomedical sciences, such as molecular, cellular, or human or animal studies in biochemistry, cell biology and microbiology, immunology and genetics, neuroscience, pharmacology, and physiology. However, PhD training may also be in fields outside of the classical biomedical sciences, such as bioengineering, chemical biology, bioinformatics, public health, anthropology, and bioethics. 

What do MD-PhDs do after graduation?

Most MD-PhD graduates train in a residency program and become licensed to practice in a specific field of medicine. From there, they typically go on to careers that blend research and clinical medicine, though their research topic may or may not be closely related to their field of medical practice. Most MD-PhDs work in academic medical centers, such as medical schools or teaching hospitals. MD-PhDs also conduct research in institutes such as the National Institutes of Health or other government or private agencies, or work for pharma or biotech companies.

MD-PhD careers provide unique perspectives on questions about basic scientific discovery, medical intervention, or translational research. During their career, MD-PhDs may remain focused as a basic or clinical scientist, or become an administrative leader within their academic medical center. Their training provides opportunities to be successful in either environment. 

Is an MD-PhD path right for you? To find out more, visit the AAMC website for information on MD-PhD dual degree training . 

• @AAMCpremed

Helpful tools and information regarding medical MD-PhD programs.

Information about applying to MD-PhD programs, emphasizing the application process during COVID-19.

Information about MD-PhD programs, emphasizing the career and application process.

Learn about MD-PhD Programs from program leaders.

Upcoming short presentations will describe features of MD-PhD training, alumni careers, and detailed logistics of the application process.

Emily battled viral encephalitis for years during college, and now as a MD/PhD student, she reminds premeds that it's okay to ask for help.

Cesar couldn't apply to medical school when he first graduated from college due to his undocumented status. Now he's in a MD-PhD program and hopes to practice in the Southwest where there's a high need for Spanish-speaking physicians.

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Tuition, Stipend, and Student Benefits

Tuition and Stipend

Mayo Clinic has made a continuing commitment to fully support the tuition and stipend costs for all M.D.-Ph.D. students throughout their medical and graduate training. This allows you to choose your thesis laboratory with a focus on the education and training you want to achieve.

Mayo Clinic M.D.-Ph.D. Program students are fully supported (tuition and stipend) through a guaranteed internal fellowship for up to eight years contingent upon satisfactory progress in the program. This eliminates the need for students to identify a faculty member to provide financial support.

If additional funding is required for other student expenses, you have access to the resources of the  Office of Student Financial Aid and Registrar .

In addition to full tuition support, this guaranteed internal fellowship provides an annual graduate-level stipend. The 2023-2024 annual graduate-level stipend is $38,434 provided on a payment schedule. 

Student benefits

We fully invest in you. In addition to academic-related resources, we provide a full range of student benefits for you and your family, including:

• Low-cost comprehensive medical insurance, which includes a prescription drug plan, as well as dental and vision insurance
• Membership in  Mayo Employees Federal Credit Union
• Access to  Dan Abraham Healthy Living Center , a low-cost and modern exercise facility (MN campus)
• Student Assistance Program, including Mayo-paid, confidential services for individual, family, marital, stress, and educational training-related concerns; chemical dependency assessment; assistance with finding childcare and eldercare; and limited legal assistance
• Student academic support and wellness services available through  Student Services

These benefits are just the highlights. We strive to review and expand our student benefits in order to provide students with the highest quality of experience and support.

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Applications are accepted June 1-Oct. 1 each year.

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Visit the financial aid office for more information.

The MD/PhD Medical Scientist Training Program, offered in conjunction with the Tufts Graduate School of Biomedical Sciences (GSBS), is designed for students who want to pursue careers that include both research and clinical practice. Students receive rigorous scientific training in addition to full academic and clinical training in the practice of medicine. This training program enables students to bridge the disparate cultures of scientific investigation and clinical medicine. 

The MD/PhD programs curriculum is designed to integrate all aspects of PhD training while providing MD students with maximum flexibility. MD/PhD students may select any one of six different doctoral programs offered by GSBS: Cell, Molecular Developmental Biology, Clinical and Translational Sciences, Genetics, Immunology, Molecular Microbiology, or Neuroscience. While the specific requirements for each doctoral program vary but all programs share a basic structure with students completing laboratory rotations and a thesis.

Learn more about the MD/PhD program .

Related News

How Physician Scientists Build Community

Being a part of the community and giving to the community are integral to the life of MD/PhD students. Learn about some of the ways they include these activities in their busy lives.

Helping MD/PhD Students with Burnout

Promoting wellness and resilience are an important part of MD/PhD training.

Doctor of Medicine (MD) section navigation

Md program costs, how much does it cost for tuition and fees.

The Board of Trustees sets the tuition and fee rates for the upcoming academic year every February. Below are the MD tuition and fees rates for  2023-24 . View the Graduate Student Cost of Attendance

What Other Costs Will I Incur?

Each year the Financial Aid Office must estimate all normal expenses incurred by students in each academic program. In addition to tuition and fees, they include estimates for books, supplies, transportation, health insurance, food, rent, utilities, etc. This estimate is called the Cost of Attendance.

The estimated Cost of Attendance for the 2023-24 academic year (Fall 2023/Spring 2024) is approximately $98,130.   This covers a 12-month period. When comparing costs at other programs, make sure you are comparing the same period of time.

How Much Should I Expect to Borrow for the Entire MD Program?

The average indebtedness for the students who graduated from the program in 2022 was approximately $149,000.   (This includes loans for students who pursued a dual degree.) Some students borrowed more and some borrowed less. Approximately 59% of the graduating Class of 2022 borrowed funds for medical school. 

Are Debt Relief Programs Available?

Yes, there are a number of employment arrangements in which students can reduce their indebtedness after they complete their degree. Some of these include the National Institutes of Health, the U.S. military, and state health agencies. Also, some health care facilities will offer loan repayment incentives to potential employees. These arrangements often require the employee to commit to employment for a specific number of years. Also, students who work for a non-profit health care facility may qualify to have the balance of their loans forgiven after 10 years of repayment through the   Public Service Loan Forgiveness Program.

Emory medical students and recent MD graduates who choose a primary care career in pediatrics, medicine, family medicine, or geriatrics and commit to practicing in Georgia may be eligible for The Kathelen and Dan Amos Medical Student Loan Forgiveness Program: Improving Access to Primary Care in Georgia. This program offers annual awards of $40,000 - up to $160,000 maximum. More information, including eligibility requirements and FAQs, available here .

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PH Division: MD-PhD

This includes all MD-PhDs completing the PhD portion of your degree.

Important Dates

Approved leave policy.

Students in the MD-PhD program on an Approved Leave are not funded.  Students on leave will be charged and responsible for the following charges:

• Health Service Fee
• Disability Insurance
• Technology Fee
• Administration Fee
• Library Fee
• Any active insurance enrollments as listed in the additional fees section

Mandatory Fees

All mandatory fees are covered by the program.

Additional Fees Paid by Program

Additional fees not paid by program.

While in the PH portion of your MD-PhD curriculum, the MD-PhD Grant does not cover the following:

• Dental Guard Preferred Insurance
• Vision Insurance
• Any dependent insurance enrollment

Student Fees

A full list of fees and descriptions can be found here .

*Health Insurance Rates are effective for July 2023 - June 2024 and are subject to change until final.

Contact Information

Office of student accounting .

1300 York Avenue, Room C-114 New York, NY 10065

Telephone: (646) 962-3475 Fax: (212) 746- 5981

[email protected]

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What we know about the Baltimore bridge collapse

A container ship lost power and rammed into a major bridge in Baltimore early Tuesday, causing it to snap and plunge into the river below. Several vehicles fell into the chilly waters, and rescuers are searching for survivors.

The Maryland Department of Transportation has requested an initial emergency relief funding of $60 million from the Biden Administration to pay for initial mobilization, operations and debris recovery from the collapse of the Francis Scott Key Bridge in Baltimore. (AP video by Nathan Ellgren)

As investigators began collecting evidence from a cargo ship that struck the Francis Scott Key Bridge, Gov. Wes Moore says the bridge will be rebuilt.

The U.S. National Transportation Safety Board released footage of the cargo ship that lost power and crashed into a bridge in Baltimore. NTSB investigators are collecting evidence from the vessel that struck the Francis Scott Key Bridge on Tuesday morning.

Baltimore’s longshoreman’s union represents the workers who load and unload the giant container ships that call on the city’s massive port. The union is working to help members who may be impacted by the port’s closure.

A container ship rests against the wreckage of the Francis Scott Key Bridge on Thursday, March 28, 2024, in Baltimore, Md. After days of searching through murky water for the workers missing after the bridge collapsed, officials are turning their attention Thursday to what promises to be a massive salvage operation. (AP Photo/Matt Rourke)

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In this image released by the National Transportation and Safety Board, a NTSB investigator is seen on the cargo vessel Dali, which struck and collapsed the Francis Scott Key Bridge, Wednesday, March 27, 2024 in Baltimore. (Peter Knudson/NTSB via AP)

A cargo ship rammed into Baltimore’s Francis Scott Key Bridge , causing the span to collapse and presumably killing six construction workers. On Wednesday, a day after the early-morning crash, officials with the National Transportation Safety Board boarded the ship and planned to recover information from its electronics and paperwork while divers searched for the bodies of workers who were still missing.

Here’s what we know so far about the collapse:

WHAT EXACTLY HAPPENED?

The operators of the Dali cargo ship issued a mayday call moments before the crash early Tuesday saying the vessel had lost power. But the 985-foot-long (300-meter-long) ship still struck one of the 1.6-mile (2.6-kilometer) bridge’s supports at 8 knots, which is roughly 9 mph (15 kph). That caused the span to break and fall into the water within seconds.

Eight construction workers were filling potholes on the bridge when the crash happened. Two were rescued soon after the collapse. Divers recovered the bodies of two others and the other four are presumed dead. Jeffrey Pritzker, executive vice president of Brawner Builders, said they were working in the middle of the span when it collapsed.

The U.S. Coast Guard said Wednesday that the ship underwent “routine engine maintenance” in the port before it lost power.

An inspection of the Dali last June at a port in Chile identified a problem with the ship’s “propulsion and auxiliary machinery,” according to Equasis, a shipping information system. The deficiency involved gauges and thermometers, but the website’s online records didn’t elaborate.

A “standard examination” conducted by the U.S. Coast Guard in New York in September didn’t identify any deficiencies, according to the Equasis data.

Given the vessel’s massive weight, it struck the bridge support with significant force, said Roberto Leon, a Virginia Tech engineering professor. The post can resist the impact by bending, Leon said, but cannot absorb the energy brought by such a “humongous ship.”

Last June, federal inspectors rated the 47-year-old bridge in fair condition. But the structure did not appear to have pier protection to withstand the crash, experts said.

“If a bridge pier without adequate protection is hit by a ship of this size, there is very little that the bridge could do,” Leon said.

Federal and state investigators have said the crash appears to have been an accident.

HOW MANY PEOPLE ARE MISSING?

Two of the construction workers who were on the bridge were rescued. The bodies of four of the six others were still missing Thursday. Searchers recovered the bodies of 35-year-old Alejandro Hernandez Fuentes and 26-year-old Dorlian Ronial Castillo Cabrera on Wednesday. They were in a pickup truck submerged in about 25 feet (7.6 meters) of water.

The workers came to the Maryland area from Guatemala, Honduras and Mexico, according to diplomats from those countries.

One worker, 38-year-old Maynor Yassir Suazo Sandoval, came to the U.S. from Honduras nearly two decades ago. His brother described him as an entrepreneurial and hard-working husband and father of two. And El Salvador’s foreign minister, Alexandra Hill Tinoco, posted Wednesday on X that one Salvadoran citizen, Miguel Luna, was among the missing workers.

The ship is owned by Singapore-based Grace Ocean Private Ltd., which said all crew members, including the two pilots, were accounted for and there were no reports of injuries.

The ship’s warning enabled authorities to limit vehicle traffic on the span. Plus, the accident occurred at 1:30 a.m., long before the busy morning rush. The bridge carried an estimated 30,800 vehicles per day on average in 2019.

WHAT IMPACT COULD THIS HAVE?

The collapse will almost surely create a logistical nightmare, shutting down ship traffic at the Port of Baltimore and snarling cargo and commuter traffic.

The port is a major East Coast hub for shipping. The bridge spans the Patapsco River, which massive cargo ships use to reach the Chesapeake Bay and then the Atlantic Ocean.

The Dali was headed from Baltimore to Colombo, Sri Lanka, and flying under a Singapore flag, according to data from Marine Traffic.

President Joe Biden said he expects the federal government to pick up the entire rebuilding cost. His administration approved $60 million in emergency federal aid to pay for debris removal and other initial costs.

“This work is not going to take hours. This work is not going to take days. This work is not going to take weeks. We have a very long road ahead of us,” Maryland Gov. Wes Moore said Thursday.

The U.S. Army Corps of Engineers and a commercial salvage company have been surveying the site as they plan the salvage operation, according to U.S. Coast Guard Chief Petty Officer Cynthia Oldham.

Coast Guard Rear Admiral Shannon Gilreath said Friday that the first goals are to reopen the shipping channel and remove the ship. The Maryland Department of Transportation and U.S. Coast Guard surveyed the damage Friday morning. Teams worked through high winds while determining how to safely cut the trusses — which weigh between 3,000 to 4,000 tons — into lighter sections that can be removed by four heavy lift cranes supplied by the U.S. Navy, according to Moore.

In the coming weeks, the governor hopes to have 10 tugboats, seven floating cranes, nine barges, eight salvage vessels and five Coast Guard boats in the water.

The collapse is not likely to have a big effect on worldwide trade because Baltimore is not a major port for container vessels, and proves more important when it comes to goods such as farm equipment and autos, said Judah Levine, head of research for global freight booking platform Freightos.

But jobs for roughly 2,400 members of the International Longshoremen’s Association Local 333 could dry up until shipping traffic resumes, according to Scott Cowan, the union’s president. Cowan said union leaders are working with elected officials to fund compensation for longshoremen in the meantime.

Authorities must also now handle a sheen in the water after some of the 56 containers onboard that were carrying hazardous materials were breached. Among the hazardous materials were corrosives, flammables and lithium ion batteries, according to the National Transportation Safety Board. But the Key Bridge Joint Information Center said Thursday that there’s no immediate environmental threat and that air monitoring has shown no volatile organic compounds. Adam Ortiz, the EPA’s regional administrator in the Mid-Atlantic states, said Friday that ongoing monitoring has not given any indication that the water contains materials hazardous to humans.

HOW OFTEN DOES THIS HAPPEN?

From 1960 to 2015, there were 35 major bridge collapses worldwide due to ship or barge collisions, with a total of 342 people killed, according to a 2018 report from the World Association for Waterborne Transport Infrastructure.

Eighteen of those collapses happened in the United States.

Among them were a 2002 incident in which a barge struck the Interstate 40 bridge over the Arkansas River at Webbers Falls, Oklahoma, sending vehicles plunging into the water. Fourteen people died and 11 were injured.

And in 2001, a tugboat and barge struck the Queen Isabella Causeway in Port Isabel, Texas, causing a section of the bridge to tumble 80 feet (24 meters) into the bay below. Eight people were killed.

This story has been updated to correct that there were more than 56 containers on the ship, but that 56 contained hazardous materials, and to correct that crews were working to cut up trusses of the collapsed bridge, not the vessel that ran into it.

Lea Skene, Brian Witte and Sarah Brumfield contributed reporting.

Baltimore bridge collapse: What happened and what is the death toll?

What is the death toll, when did the baltimore bridge collapse, why did the bridge collapse, who will pay for the damage and how much will the bridge cost.

HOW LONG WILL IT TAKE TO REBUILD THE BRIDGE?

What ship hit the baltimore bridge, what do we know about the bridge that collapsed.

HOW WILL THE BRIDGE COLLAPSE IMPACT THE BALTIMORE PORT?

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Lisa's journalism career spans two decades, and she currently serves as the Americas Day Editor for the Global News Desk. She played a pivotal role in tracking the COVID pandemic and leading initiatives in speed, headline writing and multimedia. She has worked closely with the finance and company news teams on major stories, such as the departures of Twitter CEO Jack Dorsey and Amazon’s Jeff Bezos and significant developments at Apple, Alphabet, Facebook and Tesla. Her dedication and hard work have been recognized with the 2010 Desk Editor of the Year award and a Journalist of the Year nomination in 2020. Lisa is passionate about visual and long-form storytelling. She holds a degree in both psychology and journalism from Penn State University.

An earthquake offshore Taiwan with a magnitude of 7.2 rocked the capital Taipei on Wednesday morning, knocking out power in several parts of the city and sparking a tsunami warning for the islands of southern Japan and the Philippines.

Japan issued an evacuation advisory for the coastal areas of the southern prefecture of Okinawa after a powerful earthquake triggered a tsunami warning.

Here's who could be responsible for paying for the Baltimore bridge disaster

• The Francis Scott Key Bridge in Baltimore collapsed after a container ship collided with it.
• Several entities could be on the hook to foot the bill in the aftermath of the disaster.
• The maritime insurance industry will likely be saddled with the highest costs. 

The Francis Scott Key Bridge in Baltimore collapsed on Tuesday after a large container ship ran into it, leading to six presumed deaths and millions of dollars in possible damage.

It's still too early to estimate the total economic impact of the disaster, but between the cost of rebuilding the decades-old bridge, compensating the victims' families , and paying out damages for disruptions to the supply chain, the eventual cost of the disaster is expected to be significant.

Who will pay to rebuild the bridge?

President Joe Biden said on Tuesday the federal government should be responsible for paying to reconstruct the damaged Francis Scott Key Bridge.

"It is my intention that the federal government will pay for the entire cost of reconstructing that bridge, and I expect Congress to support my effort," Biden said.

The bridge was built in the 1970s for about $60 million, but the cost of rebuilding it could be 10 times its original price tag, an engineering expert told Sky News. 

Baltimore is among the busiest ports in the nation , with more than a million shipping containers passing through each year. The collapse — which closed the port to all maritime and most road traffic until further notice — is already beginning to wreak havoc on the supply chain.

The cost of building the bridge back fast enough to offset diversions as much as possible could saddle the government with a more than $600 million bill, David MacKenzie, the chair of the engineering and architecture consultancy COWIfonden, told Sky News.

Who will pay for damages to the ship and its cargo?

The container ship, the Dali , is owned by a Singapore-based firm. The ship's charterer, Maersk, confirmed to Business Insider that vessel company Synergy Group operates the ship. 

However, the companies with cargo aboard the Dali could ultimately be responsible for some of the ship's damages and cargo costs, according to Ryan Petersen , the CEO of the supply-chain-logistics company Flexport, which had two containers on the ship.

Related stories

The Dali was carrying 330 containers that must now be rerouted, Petersen said in an X thread.

An ancient maritime law known as " general average " dictates that companies with even a single container aboard a ship split certain damages pro rata based on the number of containers they had on board, ensuring all the stakeholders benefiting from the voyage are splitting the risk, Petersen said.

General average situations can occur when a ship is stranded or when cargo is damaged or thrown overboard to save the vessel, according to Flexport . The concept helps ensure that all parties who have a vested interest in the vessel share the cost and concern of protecting it.

It's too soon to know whether damages incurred to free the Dali in the coming days will qualify as a case of general average.

Who will pay for everything else?

The majority of the financial fallout is likely to lay primarily with the insurance industry, according to media reports.

Industry experts told the Financial Times that insurers could pay out losses for bridge damage, port disruption, and any loss of life.

The collapse could drive "one of the largest claims ever to hit the marine (re)insurance market," John Miklus, the president of the American Institute of Marine Underwriters, told Insurance Business.

He told the outlet that the loss of revenue from tolls while the bridge is being rebuilt will be expensive, as will any liability claims from deaths or injuries.

The Dali is covered by the Britannia Steam Ship Insurance Association Ltd., known as Britannia P&I Club, according to S&P Global Market Intelligence.

In a statement to Business Insider, Britannia said it was "working closely with the ship manager and relevant authorities to establish the facts and to help ensure that this situation is dealt with quickly and professionally."

Britannia is one of 12 mutual insurers included in the International Group of P&I Clubs, which maintains more than $3 billion of reinsurance cover, sources familiar with the matter told Insurance Business.

Britannia itself is liable for the first $10 million in damages, both FT and Insurance Business reported. Whatever remains is dealt with by the wider mutual insurance group and Lloyd's of London, a reinsurance market in the UK, the FT reported.

Update: March 28, 2024 — This story has been updated to include additional information about general average and clarify that it is too soon to know whether general average will apply in the case of the Dali.

Watch: The container ship that destroyed the Francis Scott Key Bridge has crashed before

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A giant crane arrives in Baltimore, but leaders see a 'daunting' cleanup job ahead

A crane is used to clear debris from the Francis Scott Key Bridge in Baltimore on Friday. Kevin Dietsch/Getty Images hide caption

A crane is used to clear debris from the Francis Scott Key Bridge in Baltimore on Friday.

A massive floating crane capable of lifting 1,000 tons at once has arrived at the site of the collapsed Francis Scott Key Bridge as authorities scramble to reopen the main shipping channel to the port of Baltimore.

But even that crane can't move all of the twisted steel that's resting on the bow of the cargo ship Dali.

"That portion of the bridge weighs upwards of 4,000 tons," said Lt. Gen. Scott Spellmon, the head of the U.S. Army Corps of Engineers, in an interview that aired Saturday on NPR's Weekend Edition .

"We're at least going to have to cut that portion of the bridge into four different members, and safely lifted off of the vessel, and move it out of our way so we can get to the remaining work," Spellmon said.

The Picture Show

Photos: baltimore's key bridge collapses; search and rescue efforts continue.

Federal money and resources are beginning to flow to Maryland as authorities plan how they will remove the crippled ship, and get the nation's ninth-largest port back to work. But they acknowledge the effort will not be easy, cheap or quick.

For now, thousands of tons of steel and concrete are blocking the main shipping channel in the Patapsco River, three days after a massive cargo ship smashed into the bridge.

"To go out there and see it up close, you realize just how daunting a task this is," Maryland Gov. Wes Moore said at a news conference near the harbor on Friday, with the enormous crane looming in the background. "You realize how difficult the work is ahead of us."

The nearly 1,000-foot long cargo ship remains stuck in the river, where it's pinned to the bottom by the wreckage of the bridge that is resting on the ship's bow. Some of the roughly 4,000 containers on board were dislodged in the collision, authorities said, with a few already in the water, or dangling precariously off the edge of the ship.

Authorities say their highest priority is to reopen the shipping channel as quickly as possibly. But first, they will have to remove the ship and debris from the river.

For Baltimore-area residents, bridge collapse means longer commutes and uncertain prospects

When asked how long that would take, Spellmon said it is still soon to know. But he said the work would likely take place in stages.

The first step is to "remove that portion of the bridge that is currently draped across the front of the vessel Dali," Spellmon said. The shipping channel might initially open for one-way traffic, he said, before it could accommodate two vessels at once.

U.S. Coast Guard Rear Admiral Shannon Gilreath says authorities are still working out how best to use the giant crane and other resources at their disposal.

"Before we can actually engage in lifting, we've got to complete the assessment process of the bridge, and the pieces of the bridge that are in the water," Gilreath said Thursday.

The wreckage of the collapsed Francis Scott Key Bridge lies on top of the container ship Dali in Baltimore on Friday. Mandel Ngan/AFP via Getty Images hide caption

The wreckage of the collapsed Francis Scott Key Bridge lies on top of the container ship Dali in Baltimore on Friday.

But completing that assessment will be difficult. Divers have to work carefully and methodically, Moore said, because the water around the wreckage is so dark and full of debris that they can only see a foot or two in front of them.

The Biden administration has already directed $60 million in federal emergency funding to Maryland. But that's just a small fraction of what it will cost to remove and replace the bridge.

"This is a down payment," Transportation Secretary Pete Buttigieg said in an interview with NPR's All Things Considered . "We still don't know what the total cost will be."

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Maritime experts say litigation around responsibility for the accident could take years or even decades to resolve.

"I expect that any private party that could be found liable will be held accountable," Buttigieg told NPR. "But the issue here is, we can't wait for those liability processes to get settled and resolved to get to work and get this bridge back up."

State and local authorities have also declined to say how long it will take to replace the bridge, or what it will ultimately cost.

Civil engineers say it will likely take several years to build a new bridge, at a cost well into the hundred of millions of dollars.

Clearing Baltimore's shipping channel won't be easy, will take at least weeks

Engineers have much to consider to plan for rebuild of collapsed baltimore bridge.

"You're talking about 350 million to 600 million to replace," said L. Sebastian Bryson, a professor of civil engineering at the University of Kentucky, in an interview with NPR's Morning Edition . "I would imagine because it's such a critical bridge, it will most likely be fast-tracked. So it will take probably about two to three years to rebuild."

The Biden administration may be able to cover some of those costs with emergency funds that do not require Congressional approval. But sooner or later, the White House will have to ask lawmakers to sign off on additional money. That may be a tough sell with Republicans on Capitol Hill, particularly in a presidential election year.

That may be why elected officials in Maryland have been playing up the national economic importance of the port of Baltimore.

"It affects supply chains all over the country, in every state of the union," said Rep. Kweisi Mfume, a Democrat whose congressional district includes parts of Baltimore, as well as Dundalk, Md., and other communities that depended on the collapsed bridge. "We've got to move swiftly to clear the channel."

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The Coast Guard says it is monitoring the Dali for any release of hazardous materials.

Authorities say 56 containers on the ship carry hazardous materials of some kind. Out of those, 13 containers have been "impacted" in some way by the bridge strike, the Coast Guard said, with contents that included soap products, perfume and an unspecified kind of resin.

There is a visible sheen on the surface of the water, though Gilreath says that was likely caused by about 20 gallons of oil that leaked from damaged equipment on the front of the ship.

The Coast Guard has been conducting air monitoring on and around the Dali through a contractor, according to a statement, and no harmful or flammable releases have been detected.

• Francis Scott Key Bridge