英国硕士贷款 就业状况表 工资单 P60 家属
硕士贷款的申请材料里，有一份表格不是每个人都会遇到，却总有人因为不了解它而耽误几个月。很多学生以为贷款申请提交后就只剩等待，学生金融英格兰的居留资格核验却可能再要一份 UK employment status form，也就是英国就业状况表。这份表格针对的是本人或直系家属持欧洲经济区或瑞士国籍并在英国工作的申请人，用来证明工作状态真实存在。按 gov.uk 官网的页面，2026 至 2027 学年开课的课程贷款上限是 13206 英镑，2025 至 2026 学年开课的是 12858 英镑，申请窗口是课程最后一个学年的第一天起九个月。这篇把适用人群、两版学年表格的发布时间与十四类证据清单拆开讲，方便你对照自己的情况准备材料。
Not every postgraduate applicant meets the UK employment status form, but the ones who do often lose weeks to it. It exists for a single residency route: you, or an immediate family member, hold EEA or Swiss nationality and work in the UK. Student Finance England uses it to confirm that the employment is real, and it wants the version that matches the academic year your course starts in. The limits published on GOV.UK are 13,206 pounds for courses starting in 2026 to 2027 and 12,858 pounds for 2025 to 2026, and the application window closes nine months after the first day of your final academic year.
这份就业状况表适用的居留类别
英国学生贷款体系里有一份专门的 UK employment status form，它只服务于一条特定的居留资格路线。申请人本人是欧洲经济区或瑞士国籍，正在英国工作，或者曾经在英国工作、现在处于求职状态，才会走到这一步。学生金融英格兰官网把这份表格的用途写成一句很直白的话，就是证明你或者你的直系家属在英国的工作状态。很多学生以为只要人在英国读书就自然会拿到硕士贷款，实际情况是学生金融英格兰要先确认你落在哪一条合规的居留类别里。这份表格不属于常规申请材料，它是在你被要求补充证明时才会用到的一张纸。如果这一条路线与你无关，正常填写硕士贷款申请表即可，不必额外寄送这份表格。表格的版本号是 PGL/UKEMP/2627，全表连同填写说明一共 18 页，第 9 页到第 18 页是各类材料的证据说明。官网还提醒，一旦你在表格里填了家属的个人信息，你有义务告知这位家属。
The UK employment status form exists for one residency route only. It is used when you, or an immediate family member, are an EEA or Swiss national who works in the UK, or who worked here before and is now looking for work. Student Finance England treats this as evidence of employment status rather than as part of the standard application, so most applicants never see it. You are asked for it only when your residency category needs supporting proof.
2025 至 2026 与 2026 至 2027 两版表格的发布时间
按学年分版是这份表格最容易被忽略的地方。2025 至 2026 学年那一版由学生贷款公司在 2025 年 4 月 28 日发布，PDF 文件 824KB，共 18 页。2026 至 2027 学年那一版在 2026 年 7 月 20 日发布，PDF 文件 825KB，页数同样是 18 页。官网的硕士贷款申请页写明，你可能会被要求填写这份就业状况表，且只针对你课程开始的学年。选表的依据是课程的开课年份，不是你现在填表的时间。常见的错误是把最新一版表格直接下载下来交上去，结果学年对不上，材料被退回重新补。先确认课程起始日期落在哪个学年，再去出版物页面取对应年份的那一份。
Each academic year has its own version of the form, and the reference code printed on it changes with the year. Student Loans Company published the 2025 to 2026 edition on 28 April 2025 and the 2026 to 2027 edition on 20 July 2026; both run to 18 pages. Which one applies to you depends on when your course starts, not on the date you happen to be filling it in. Sending the wrong edition is a common reason for a residency check to be reopened.
本人受雇时需提交的三样材料
如果你本人正在英国受雇，证据说明的 A 部分要求三样材料的复印件同时提交。第一样是最近三个月的工资单，用来证明收入持续发生。第二样是最近一份 P60，也就是雇主在每个纳税年度结束时出具的年度收入与扣税汇总。第三样是劳动合同，用来确认雇佣关系与雇主名称。三样都寄复印件，原件不要寄出，寄丢了很难补。很多学生以为工资单多寄几个月会更保险，官网的口径只要求最近三个月，多余材料不会加快审核。如果劳动合同是电子版，直接打印后复印同样被接受。材料上最好能看清你的姓名与雇主名称，否则审核人员需要回头找你补。
Employed applicants have to send three items together: payslips covering the last three months, the latest P60, and the contract of employment. Photocopies are expected; originals should stay with you, because a lost original is difficult to replace. A printed copy of an electronic contract is accepted just as readily. Anything that fails to show your name and your employer's name will normally be sent back for clarification.
本人自雇时可用发票账目 银行流水或报税表
自由职业与自雇申请人走 B 部分，这里的口径比受雇者宽松，在几类材料里选一样交即可。可以选最近三个月的发票或账目，也可以选最近三个月的银行流水，或者最近一份报税表。银行流水的说服力取决于能不能看出客户付款与经营支出，只有日常消费的账户反而会招来追问。常见的错误是把个人账户的流水原封不动寄过去，里面看不到任何经营行为。如果你刚起步还没有报税记录，把合同、发票与银行入账记录凑成一组，说明收入的来源与周期。官网给的是一份可选清单，不是必须全部提交，按你手上最完整的那类交就好。自雇的判定以英国税务口径为准，边做兼职边接私活的学生要如实勾选。
Self-employed applicants choose one item from a short list instead of sending everything: invoices or accounts for the last three months, bank statements for the same period, or the most recent tax return. Statements are persuasive only when client payments and business costs are visible in them. A personal current account showing only everyday spending tells the reviewer nothing about trading. Where a tax return does not exist yet, contracts, invoices and incoming payments usually carry the case together.
曾在英工作现在求职需证明两件事
曾经在英国工作、现在正在找工作的申请人，要证明的是两件彼此独立的事。头一件事是上一份工作什么时候结束、为什么结束，这需要雇主或曾经的客户出具书面确认。另一件事是你确实在找工作，可以交求职津贴的领取确认，也可以交最近发出的求职申请与收到的回复。这两件事缺一件，审核都只能停在原地，因为你只证明了过去，没有证明现在。很多学生以为离职证明就够了，实际求职记录才是这条路线能否成立的关键。保存好投递记录、面试邀约邮件与拒信，它们都是有效证据。如果你是自雇结束，可以用英国税务海关总署确认自雇终止的信件替代雇主证明。
People who worked in the UK and are now job-hunting must prove two separate things. The first is how and why the previous job ended, which takes written confirmation from the employer or former client. The second is that a genuine search is under way, shown either by Jobseeker's Allowance or by recent applications and the replies they produced. One half alone stalls the check, because it describes the past without saying anything about the present.
配偶或民事伴侣路线对应的 F 到 I 四个部分
如果你本人不符合工作路线，但你的丈夫、妻子或民事伴侣是欧洲经济区或瑞士国籍并在英国工作，表格会把你引到 F 到 I 四个证据部分。关系证明统一是一份结婚证或民事伴侣关系证书的复印件，这一份不因就业状态而改变。对方的就业状态决定后面交什么，受雇交工资单、P60 或劳动合同中的一样，自雇交发票账目、银行流水或报税表中的一样。如果对方已经离职并在求职，还要补离职时间与原因的书面确认，加上求职证明。关系证明必须能看清双方姓名与登记日期，改名或补办过证件的要一并说明。这一步最容易出错的地方，是把伴侣的材料与自己的材料混在一个信封里却没有标注对应关系。表格第一页的姓名顺序照填，别用护照上的英文全名另起一套写法。
Where the route runs through a husband, wife or civil partner, the form directs you to sections F to I. A copy of the marriage or civil partnership certificate is required in all of them; what changes is the employment evidence. Payslips, a P60 or a contract cover employment, while invoices, statements or a tax return cover self-employment, and a job search adds confirmation of how the previous work ended. Naming both people clearly on each document saves a round of correspondence.
父母与直系长辈路线中的 21 岁分界
父母、继父母或其他直系长辈的路线分得比配偶路线更细，分界线落在你开始学年的第一天是否已满 21 岁。表格把直系长辈定义为亲生父母、祖父母、曾祖父母及其以上各代，继父母同样在这一范围内。学年第首日的四档定义值得单独记一下：课程在 8 月 1 日至 12 月 31 日之间开始，首日是 9 月 1 日；在 1 月 1 日至 3 月 31 日之间开始，首日是一月；在 4 月 1 日至 6 月 30 日之间开始，首日是四月；在 7 月 1 日至 7 月 31 日之间开始，首日是七月。未满 21 岁的申请人只需证明关系与长辈的工作状态。已满 21 岁的申请人还要额外证明你在经济或生活上依赖这位长辈。很多学生以为年龄按填表当天算，实际按学年首日算，差几天就可能落到另一个部分。课程开始日期与学年的定义一起核对，再决定交哪一组材料。表格还提示，直系长辈以外的其他亲属只适用于在英国工作的欧洲经济区工作者本人。
Routes through a parent, step-parent or other direct relative in the ascending line split on whether you are 21 or over on the first day of your academic year. That first day is 1 September, January, April or July, depending on when the course begins, and the form sets the four cases out in a small table. Applicants under 21 prove the relationship and the relative's employment; those of 21 and over must also evidence financial or physical dependence. A course starting a few days earlier can move the whole application into another section, and the difference is often only visible once the two dates are written side by side.
21 岁及以上申请人需额外证明依赖
依赖证明是 21 岁及以上申请人最容易准备不足的一项。可接受的材料有两类，一类是医疗信件，另一类是显示长辈定期转账给你的银行流水。转账记录要能看出付款方姓名、金额与频率，孤立的几笔大额转账说服力有限。很多学生以为只要住在一起就算依赖，表格看的是持续的经济或生活支持，而不是同一个地址。如果长辈承担的是学费或房租，把对应的付款记录与合同放在一起，比单交一张银行流水更清楚。医疗信件适用于需要长期照护的情形，信件里最好写明照护的内容与时间跨度。把这两类材料准备齐再寄，比先寄一部分再等官网追问快得多。
For applicants of 21 and over, dependence is the part that catches people out. Acceptable evidence is either medical letters or bank statements showing regular transfers from the relative, and the transfers need to show who paid, how much and how often. Living at the same address is not the test; sustained support is. Sending both strands together, rather than one and then waiting to be asked, shortens the process considerably.
子女为欧洲经济区或瑞士籍时的关系证明
子女为欧洲经济区或瑞士国籍的那条路线放在 E 部分，走的逻辑与其他几类不同。你需要先证明亲子或收养关系，提交子女的出生证或收养证明复印件。接着要证明你在经济或生活上依赖这位子女，可选医疗信件或显示与子女相关付款的银行流水。这条路线在现实里出现得不多，材料要求却写得和配偶路线一样具体。常见的错误是把子女的护照当作关系证明，护照只能证明国籍，不能证明关系。如果子女尚未成年，银行流水与生活费的对应关系要写清楚，页面之间最好能连得上。整份材料的方向是证明依赖，不是证明国籍，这一点别弄反。
Section E covers applicants whose child is an EEA or Swiss national, and it follows a different logic from the rest of the form. Relationship comes first, evidenced by a copy of the child's birth or adoption certificate, followed by proof that you depend on that child financially or physically. A passport proves nationality and nothing else, so it cannot stand in for a birth certificate. The whole section is about dependence rather than nationality, which is why the certificate and the money trail matter more than any passport page.
18 岁前在英国公立学校就读的补充材料
如果你在 18 岁之前到过英国并且就读于公立学校，表格会把你引到 J 部分。这一部分只适用于有英国公立教育经历的申请人，与大学阶段的学费安排无关。这里要交的东西比一般路线多，包括你的出生证或收养证明，证明你以家庭为单位进入英国的内政部文件，以及学校或学院出具的证书与信函。还有一项容易被漏掉，就是长辈在你公立教育第一年第一天正在工作的证据，可以是工资单、P60 或劳动合同。很多学生以为只要交学校证明就够了，表格要的是把入境方式、就读事实与长辈就业三件事串起来。学校信函最好写明入学与离校日期，只写就读年级的信函有时需要补材料。翻找十多年前的文件费时，先把内政部文件与学校证明找齐，再补就业证据会顺一些。
Section J applies to applicants who were in UK state education before turning 18. It asks for more than the standard routes: a birth or adoption certificate, Home Office documents showing you entered the UK as part of a family unit, and certificates or a letter from the school or college. Evidence that the relative was working on the first day of your first year of state education is also required, usually a payslip, a P60 or a contract. Entry route, schooling and the relative's employment all have to line up, so a school letter that omits start and end dates usually comes back with a request for a fuller version.
签名 寄送与 PO Box 210 Darlington 回邮
填完表格后有一段必须手写签名的声明，表格写明签名要用墨水笔，没有签名的表格不会被受理。声明里还有一句容易被忽略的承诺：如果表格中填了第三方的个人信息，你需要已经告知对方。寄出前把声明、证据与表格本身放在一起核对一遍，尤其是第 3 部分那两个自检问题。回邮地址是 Student Finance England，PO Box 210，Darlington，邮编 DL1 9HJ。寄件前称重并付足邮资，官网特别提醒要保留邮寄凭证。常见的错误是只寄证据不寄表格，或者反过来只寄表格不附复印件，两种情况都会被退回。如果表格需要无障碍格式，可以按官网给出的邮箱申请替代版本。
The declaration has to be signed in ink, and a form that reaches Darlington without a signature cannot be accepted at all. It also carries a promise that any third party whose details you supplied has been told. Everything goes to Student Finance England, PO Box 210, Darlington, DL1 9HJ, and the guidance asks you to weigh the envelope, pay full postage and keep proof of posting. Sending evidence without the form, or the form without copies, means a return trip by post.
申请窗口与材料不全时的处理顺序
硕士贷款的申请窗口跟着课程走，官网写明你需要在课程最后一个学年的第一天起九个月内提交申请。学年首日的定义与表格里的四档一致，开课月份不同，截止日也不同。如果你的课程超过一年，第二年不需要重新申请，学生金融英格兰会在新学年开始前告知当年的额度。材料齐全当然最好，官网也接受先寄一部分，缺的部分会在审核中被点名要求补交。这条缓兵之计有代价，缺口一日不补，申请就无法批准，你的贷款发放也会顺延。很多学生以为先把主干材料交上去就等于进入排队，实际审核会停在待补材料的状态。把工资单、报税表、结婚证这类需要向第三方索要的文件提前一两个月去要，能省下最关键的几周。
The application window follows the course: it runs for nine months from the first day of your final academic year. Sending a partial pack is allowed, and the missing items are then requested by name, but nothing can be approved while a gap remains and payments wait behind it. That makes documents held by an employer or the tax office the ones to chase first. A longer course is applied for once, with Student Finance England confirming the amount each year, so the paperwork sits in your first year rather than every September.
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