"In conclusion, if DC thinks they want to intercalate, it is worth knowing how flexible the university is, but I think most allow you to intercalate externally if not a 6 year course."
Monkey I completely agree that most won't to intercalate. DD was slightly unusual in that she knew what she wanted to do, but was unsure whether to get there via medicine or engineering.
However it will be a factor for some. We certainly have known DC clearly wanting from the outset to do expedition medicine or tropical medicine.
My understanding is that most, actually, don't allow external intercalation. Off the top of my head both Birmingham and Nottingham did not use to and KCL and SGUL only allow it for a small number. Hence the advice that it can be a useful thing to consider when weighing up the merits of different med schools. It will be on medical school websites.
In terms of costs, DD lived at home, and indeed, at least before everything locked down again, returned to her gap year job. She knows others who again intercalated close to home.
If anyone really think they will be struggling with costs, and this applies especially to grad medicine students, I am sure they can ask the medical schools what might be done to help,. Living in halls as a senior resident is a popular option. Working as an HCA is another. And living in placement accommodation. DD is doing this in her final year, and planned it as soon as she which placements she would have. It will make for a cheap year.
I anticipated the push back, though don't fully understand why it is so strong. There is never the same level of opprobrium for those opting to take six year courses. The great thing about a five year course with the options of an external intercalation is that it is flexible. You can wait till the start of Yr 3 to decide whether you wanted a five or six year course, and have a wider choice of what you do and where you do it. Many at this point will want to simply get to the end of their course.