英国学费上限 续读学生 学费贷款 生活费
英国教育部（DfE）在 2025 年 11 月 26 日公布了 2026/27 学年的学费与学生支持安排，文件的适用对象写明包括已经在读的续读学生。很多学生以为学费上涨只影响新生，实际上从 2026 年 8 月 1 日起，续读学生的学费上限与各类贷款上限同样按 2.71% 上调。这篇文章把学费上限、学费贷款、生活费贷款三条线分开讲清，并说明续读学生该核对哪一张表、哪一个数字。
The Department for Education published its 2026/27 tuition fee and student support guidance on 26 November 2025, and the scope explicitly includes students already part way through a course. Continuing students see the same 2.71 per cent uplift as new entrants from 1 August 2026. The sections below keep fee ceilings, fee loans and maintenance loans on separate tracks, and point out which table a continuing student should be reading.
2026/27 学年学费上限涨到多少
英国政府按预测通胀把 2026/27 学年的本科学费上限整体上调 2.71%，依据是 forecast RPIX，这一涨幅写在《2026 年教育（学费、奖励、支持与贷款还款）（修订）条例》的说明文件里。拥有 OfS 教学卓越框架（TEF）奖励并且有准入与参与计划（APP）的高校，全日制标准课程上限到 £9,790，加速学位到 £11,750，兼读课程到 £7,335。没有 TEF 奖励但有 APP 的高校，同三项上限分别是 £9,525、£11,430 与 £7,140。既没有 TEF 也没有 APP 的高校低得多，全日制只有 £6,350。基础年里课堂类学科的上限维持 2025/26 的水平不动，理科与工程这类偏实践方向的基础年才跟着涨。这些数字来自 DfE 官网 2025 年 11 月 26 日的《Tuition fees and student support: 2026 to 2027 academic year》。新的上限从 2026 年 8 月 1 日起生效。
The 2026/27 ceilings rose by 2.71 per cent, a figure taken from forecast RPIX and set out in the explanatory material for the Education (Student Fees, Awards, Support and Loan Repayments) (Amendment) Regulations 2026. At approved (fee cap) providers holding both a Teaching Excellence Framework award and an access and participation plan, the full-time cap reaches £9,790, with £11,750 for accelerated degrees and £7,335 for part-time study. Providers without a TEF award but with a plan are held at £9,525, £11,430 and £7,140 for those same routes; institutions with neither sit far lower at £6,350 for a standard full-time course. Classroom-based foundation years stay frozen at 2025/26 levels, and the new limits apply from 1 August 2026.
续读学生是否一起调整
DfE 那份文件的适用对象写明两条：2026/27 学年开始课程的新生，以及已经进入学生财务系统的续读学生。同一个涨幅同时落在两类学生身上，不存在只涨新生学费、老生按原价续读的安排。2025/26 学年已经有过一次同样的操作，上限从 £9,250 提到 £9,535，涨幅 3.1%，同样覆盖了当年在读的学生。学费贷款的上限跟着一起走，2026/27 学年全日制学生的学费贷款上限是 £9,790，2025/26 是 £9,535。生活费贷款走的是另一条线，但文件同样写明新生与续读学生都享受 2.71% 的上调。常见的错误是把锁价当成入学后的默认待遇，英国本科学费在本届政府任内是按年递增的。前一年的 3.1% 与这一年的 2.71% 都能在 OfS 官网的 fee limits 页面查到。
The guidance covers two groups explicitly: students starting a course in 2026/27, and continuing students already inside the student finance system. Both carry the same 2.71 per cent uplift, so there is no arrangement under which new entrants pay more while an existing cohort stays on an older price; the 2025/26 settlement had already moved the cap from £9,250 to £9,535 at 3.1 per cent and applied it to students mid-course. Fee loans follow the ceiling, reaching £9,790 for a full-time year in 2026/27 against £9,535 the year before. Maintenance loans run on a separate track yet carry the same 2.71 per cent increase for continuing students.
四种上限组合与学校注册类别
学费上限不是全国一个数字，它由两个条件交叉决定。第一个条件是高校有没有 OfS 的教学卓越框架奖励，第二个条件是该校有没有获批准的准入与参与计划。有 TEF 有 APP 的学校可以收到最高一档，2026/27 全日制 £9,790。有 APP 没有 TEF 是 £9,525，有 TEF 没有 APP 掉到 £6,525，两个都没有只有 £6,350。另一类叫 approved provider 的高校不受学费上限约束，可以自行定价，学生能借到的只是政府设定的学费贷款上限，2026/27 有 TEF 的学校对应 £6,525，没有 TEF 是 £6,350。所以比较学校时要看两个数字，一个是学费，另一个是这所学校属于哪一类注册类别。注册类别可以在 OfS 官网的注册名录上核对。
Fee ceilings come from two conditions crossing: whether a provider holds a Teaching Excellence Framework award, and whether it has an approved access and participation plan. A provider with both may charge up to £9,790 for a standard full-time year in 2026/27, while one with a plan but no TEF award is limited to £9,525, one with a TEF award but no plan drops to £6,525, and one with neither is capped at £6,350. Approved providers sit outside the fee caps altogether; only the fee loan limit applies there, standing at £6,525 with a TEF award and £6,350 without. Registration category is worth checking on the OfS register before comparing published fees.
续读学生收费的额外天花板
对续读学生来说，学校能收多少还多一层限制。OfS 官网的 fee limits 页面写明，续读学生不能被收取高于下列两者中较低的一个：当年法定学费上限，或者学生入学那一年生效的准入与参与计划里记录的涨价幅度。这条规则的意思是，学校不能只用今年的国家上限给老生加价，还要回看学生入学时签下的协议条款。OfS 同时提醒高校，如果把续读学生的学费提到上限附近，需要按竞争与市场管理局的指引检查做法是否合规。学生手上的合同与招生材料通常写明学费每年可调整的幅度，遇到争议时这份文件是关键证据。很多学生以为学校说涨就能涨，实际上学校受协议与消费者法两头约束。
Continuing students face an extra layer of protection that new entrants do not: the Office for Students states that they cannot be charged more than the lower of the prescribed fee limit or the level to which fees may rise under the inflationary statement recorded in the access and participation plan in force in their year of entry. In practice a provider cannot simply apply the current national ceiling to an existing cohort without checking the terms it signed up to. The OfS also advises institutions to weigh Competition and Markets Authority guidance and consumer protection law when raising fees for students already enrolled. The contract and offer materials a student received set out how fees may change year on year, and that paperwork is the first thing to check.
学费贷款跟着学费上限走
学费贷款不看家庭收入，符合资格的学生可以借到当年上限的全额，由学生贷款公司直接付给学校。在 2026/27 学年，全日制课程上限 £9,790，加速学位 £11,750，兼读课程 £7,335，三个数字都写进了 2026 年的修订条例。2027/28 学年再按 2.68% 上调，DfE 官网给出的全日制上限是 £10,050，加速学位 £12,060，兼读 £7,530。最后一年如果授课时间不足 15 周，学费与学费贷款都按上限的 50% 计算。海外交换年、Turing 年或非 Erasmus 的海外学习年按 15% 计算。三明治课程的实习年按 20% 计算。这些折算比例对续读学生同样适用，比如第三年去实习的课程，那一年只按标准全日制上限的两成收费与放贷。
Fee loans are not means tested: an eligible student can borrow the full published limit, and the Student Loans Company pays it straight to the provider. For 2026/27 the cap is £9,790 for a standard full-time course, £11,750 for an accelerated degree and £7,335 for part-time study, all set out in the 2026 amendment regulations. The following year adds 2.68 per cent, taking the DfE figures to £10,050, £12,060 and £7,530. A final year delivered in fewer than 15 weeks is funded at 50 per cent of the maximum, an overseas or Turing year at 15 per cent, and a sandwich placement year at 20 per cent; those fractions apply to continuing students as well.
生活费贷款的调法与收入评估
生活费贷款和学费贷款是两笔钱，前者要填家庭收入，后者不用。DfE 的文件写明 2026/27 学年新生与续读生的生活费贷款上限都按 2.71% 上调，得到最多支持的是家庭收入 £25,000 及以下的学生。在 2026/27 学年，全日制学生的最高额度分三档：住家里 £9,118，住外面非伦敦地区 £10,830，伦敦地区 £14,135；海外学习年是 £12,403。最低额度也在同一张表里，住家里只有 £4,013，非伦敦地区 £5,048，伦敦地区 £7,039，收入越高越靠近下限。整体出勤超过 30 周零 3 天的长课程还能叠加长期课程贷款。兼读学生如果读的是六级学位课程、五级预注册医疗课程或四到五级高级技术资格课程，可以按相当于全日制学生的额度拿生活费贷款，实际金额按学习强度折算，最低到 25%。
Maintenance loans are separate money from fee loans and depend on household income, which fee loans never do. The DfE guidance confirms a 2.71 per cent rise for new and continuing students in 2026/27, with the greatest support going to households earning £25,000 or less. Maximum rates for a full-time year reach £9,118 living at home, £10,830 living away outside London, £14,135 in London and £12,403 for an overseas study year, while the floor rates sit lower at £4,013, £5,048, £7,039 and £5,996. Courses running longer than 30 weeks and three days may add a Long Course Loan, and eligible part-time students on level 6 degrees, level 5 pre-registration healthcare courses or level 4 and 5 higher technical qualifications can borrow at the full-time rates scaled by study intensity, down to 25 per cent.
照料离校者与定向补助
2026/27 学年起，能证明自己符合《学生支持条例》里照料离校者定义的学生，不必再走家庭收入评估，申请时可以直接借最高的生活费贷款。这条对已经读了几年、身份材料齐全的续读学生一样有效，25 岁及以上的照料离校者也在覆盖范围内。定向补助的额度这一年没有涨，DfE 明确写的是维持 2025/26 的水平。成年受抚养人补助最高 £3,545，父母学习补助最高 £2,024。儿童保育补助按实际费用的 85% 报销，一个孩子每周最高 £199.62，两个孩子及以上每周最高 £342.24。残障学生补助最高 £27,783，兼读的残障学生同样可以申请。这些补助与贷款不同，只有成年受抚养人补助需要按收入评估。
From the 2026/27 academic year a student who can evidence that they meet or previously met the statutory care leaver definition is entitled to the maximum maintenance loan automatically, exempt from means testing and with no household income calculation; that includes students aged 25 or over who are continuing a course. Targeted grants stay flat this year, frozen at 2025/26 levels: up to £3,545 for adult dependants, £2,024 for the parents learning allowance, 85 per cent of actual childcare costs capped at £199.62 a week for one child or £342.24 for two or more, and £27,783 for the Disabled Students Allowance. Part-time students with a disability can claim the allowance on the same basis, and only the adult dependants grant is means tested.
不同入学年份的学生看不同的表
学生财务的分档看入学年份。在 2026/27 学年开始课程的学生属于现行制度，学费贷款上限 £9,790，生活费贷款上限最高 £14,135。在 2016 年 8 月 1 日及以后入学、现在继续读的学生，生活费贷款上限与新生同一张表。在 2012 年 9 月到 2016 年 8 月之间入学、仍在续读的学生走另一张表。这一档在 2026/27 学年的学费贷款上限同样是 £9,790，但生活费贷款最高只有住家里 £6,175、非伦敦地区 £7,764、伦敦地区 £10,833、海外学习年 £9,223，明显低于新制度。这个群体的最后一学年额度还要再低一些，伦敦地区是 £9,866。他们还能拿维持补助，2026/27 学年家庭收入 £25,000 及以下可以拿到 £4,473，收入超过 £42,737 就没有。
The table you read depends on when your course began. Students starting in 2026/27 sit in the current system, borrowing up to £9,790 for fees and up to £14,135 for living costs. Those who started on or after 1 August 2016 and are still studying share the same maintenance loan table as new entrants, but anyone who began between September 2012 and August 2016 is funded differently: the fee loan also reaches £9,790 in 2026/27, yet maintenance support tops out at £6,175 at home, £7,764 outside London, £10,833 in London and £9,223 for an overseas year. Final-year rates for that cohort are lower again, at £9,866 in London. The same group can still claim a Maintenance Grant worth £4,473 where household income is £25,000 or less, tapering to nothing above £42,737.
研究生贷款与 2027 年后的衔接
研究生这一侧的额度也在 2026/27 学年上调 2.71%。DfE 官网给出的数字是硕士课程贷款上限 £13,206，博士课程贷款上限 £31,122，两者都是整个课程期间的总额度，不是每年额度。已经在读的研究生不按这两条数字走，官方说法是回到《Funding for postgraduate study》页面查自己入学那一年的标准。政策衔接上还有两件事要记。2027/28 学年的上限已经确定，全日制最高 £10,050，涨幅 2.68%。政府表示会在议会时间允许时立法，让学费上限以后按年自动上调，不必再逐年立法。终身学习权利从 2027 年 1 月起适用，文件说明它下面的最高额度与本文件一致。生活费贷款未来几年会继续跟着预测通胀走，2027/28 的具体数字要到 2026 年秋季才公布。
Postgraduate support rises by the same 2.71 per cent, with the master's loan reaching £13,206 and the doctoral loan £31,122 for the whole course rather than per year. Students already partway through a postgraduate programme are not covered by those new figures and are pointed to the Funding for postgraduate study guidance for the year they started. Two dates matter later on: 2027/28 limits are already fixed at up to £10,050 for a standard full-time course, a 2.68 per cent rise, and the government has said it will legislate to make future annual increases automatic when parliamentary time allows. The lifelong learning entitlement starts in January 2027 using the same maximum rates, and the 2027/28 living cost figures will not be confirmed until autumn 2026.
续读学生该核对的四项信息
在读学生要做的事不多，但每一条都要落到文件上。先看今年的学费账单金额，把它与学校注册类别对应的上限比一遍，超出上限的部分站不住脚。再翻出入学那一年生效的准入与参与计划里关于涨价幅度的条款，它决定学校能不能把今年的国家上限直接套到你身上。贷款申请状态也要确认，英格兰学生每学年都要重新提交申请，续读并不例外，拖到开学后再办会影响生活费到账时间。住址与家庭收入一旦变化要尽快更新，生活费贷款按住址分档，搬出宿舍或改变学习地点都要在学生财务账户里改过来。这几件事都不需要中介代办，全部可以在 gov.uk 的学生财务账户里办完。
Continuing students have a short to-do list, and each item turns on a document rather than on guesswork. Compare the fee invoice against the ceiling that matches your provider's registration category, because anything above the prescribed limit does not hold up. Then find the inflationary statement in the access and participation plan that applied in your entry year, since that clause decides whether the current national ceiling can be applied to you at all. Reapply for student finance every year, including while continuing a course, and update your term-time address and household income in the gov.uk account so maintenance support is not calculated on out of date information. None of this needs an agent.
常见的错误与判断口径
很多学生以为续读就意味着学费锁死在入学那年的数字，英国的本科学费上限自 2025/26 学年起恢复了按年上调的节奏，锁价并不成立。常见的错误是把法定上限当成学校实际收费，两者之间还有 TEF、APP 与消费者法三层约束，同一所学校不同课程的收费也可能不一样。还有人把学费贷款上限和生活费贷款上限混为一谈，前者不看家庭收入、按课程类型分档，后者看住址与家庭收入、分最高与最低两档。看官方数字时要注意年份，2026/27 与 2027/28 的上限不同，按 2026/27 学年入学的预算不能直接套 2027/28 的数字。遇到学校通知涨价，先对照 OfS 官网 fee limits 页面的当年上限，再对照自己那份协议条款，两步都过了涨价才站得住。实在拿不准，用 gov.uk 的学生财务计算器估算一遍，比自己推算更稳。
Many students assume that continuing a course means the fee is locked at the figure from their first year, yet the undergraduate ceiling has risen annually since 2025/26, so that assumption does not hold. The more common mistake is treating the statutory ceiling as the actual charge: TEF status, the access and participation plan and consumer law all sit in between, and two courses at the same university can carry different prices. Fee loans are also confused with maintenance loans, although the first ignores household income and varies by course type while the second depends on address and income and runs from a maximum to a minimum rate. Check the academic year on any figure you read, since 2026/27 and 2027/28 differ; if a provider announces a rise, compare it with the current ceiling on the OfS website and then with your own plan terms. When in doubt, estimate with the gov.uk student finance calculator rather than working it out by hand.
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