📚 The 2026-2027 Postgraduate Master's Loan Application Form: A Step-by-Step Guide | 2026至2027学年硕士学生贷款申请表与填写说明
If you are starting a master's course in the 2026/27 academic year, the government-backed postgraduate loan is almost certainly the cheapest funding you will be offered: no credit check, no guarantor, and no repayment until your income clears the repayment threshold. The difficulty is rarely the money itself but the form, which asks for course codes, previous study history, fee amounts and identity evidence all at once. This guide walks through the 2026/27 application section by section, explains what each field is really asking for, and lists the mistakes that most often delay a payment.
如果你将在2026/27学年入读硕士课程，政府支持的硕士学生贷款几乎一定是你所能拿到的最便宜的资助：无需信用审查、无需担保人，收入未达到还款门槛前也无需还款。真正的难点通常不是钱本身，而是申请表——它同时要求你提供课程代码、过往学习经历、学费金额和身份证明。本文按板块逐项讲解2026/27学年的申请流程，说明每个字段真正想问什么，并列出最容易导致放款延迟的常见错误。
1. What the 2026/27 Master's Loan Actually Is | 2026/27学年硕士学生贷款究竟是什么
The Postgraduate Master's Loan is a government-backed, income-contingent loan for students beginning an eligible master's course in the 2026/27 academic year. It is not a commercial loan and it is not credit-scored, so there is no guarantor, no interview and no requirement to prove a household income.
硕士学生贷款是政府支持的、与收入挂钩的贷款，面向2026/27学年开始攻读符合条件硕士课程的学生。它不是商业贷款，也不做信用审查，因此不需要担保人、不需要面谈，也不需要证明家庭收入。
The award is best understood as one pot of money rather than two separate loans. You decide how much of the total is paid directly to your university as tuition fees and how much is paid to you as a maintenance element for living costs.
这笔资助最好理解为"一笔总额"，而不是两笔独立的贷款。由你决定总额中有多少直接支付给大学作为学费，有多少作为生活费部分支付给你本人。
The maximum amount is set each year. For England in 2025/26 the maximum stood at £12,858; the 2026/27 figure is normally confirmed in the spring before the academic year begins, so always check the official student finance page for your nation before you type a number into the form.
最高额度每年都会调整。英格兰2025/26学年的上限为 £12,858；2026/27学年的数字通常在学年开始前的春季确认，因此在表里填写金额之前，务必先查看你所在地区的官方学生资助网站。
Applying is free. The only official route is the online service run by the relevant national student finance authority; any website that charges a fee to "complete your loan application for you" is not part of the system.
申请是免费的。唯一官方渠道是相应地区学生资助机构运营的在线系统；任何收取费用"替你完成贷款申请"的网站都不属于官方体系。
Postgraduate Loan = Tuition Fee Element + Maintenance Element ≤ Annual Maximum
2. Eligibility: Who Can and Cannot Apply | 申请资格：谁可以申请，谁不可以
You normally need to be a UK national (or have an eligible immigration status such as settled or pre-settled status) and to have been ordinarily resident in the relevant part of the UK for the three years before the first day of your course. Residency rules are strict and are assessed on the first day of the academic year, not on the day you apply.
你通常需要是英国国民（或持有符合条件的移民身份，例如永居或预定居身份），并且在课程开始前的三年内一直"通常居住"在英国相应地区。居住地规则非常严格，且以学年第一天为评估时点，而不是以你提交申请的那一天为准。
The course must lead to a full master's qualification, such as an MA, MSc, MBA, LLM, MEd or MRes, at a UK provider with degree-awarding powers. Standalone postgraduate certificates and diplomas (PGCert, PGDip) do not attract the loan, and neither does a course that is already funded by another government bursary, such as a PGCE.
课程必须通向完整的硕士学位，例如 MA、MSc、MBA、LLM、MEd 或 MRes，且由具备学位授予权的英国院校开设。独立的研究生证书与文凭（PGCert、PGDip）不适用该贷款，由其他政府助学金资助的课程（例如 PGCE）同样不适用。
There is a "level" test as well: you generally cannot get a master's loan for a qualification at the same level as, or lower than, one you already hold. If you already have a master's degree, a second master's is usually unfunded.
还有"学历层级"测试：如果拟修读的资格与你已持有的资格同级或更低，通常无法获得硕士贷款。如果你已经拥有一个硕士学位，再读第二个硕士一般不予资助。
Unlike undergraduate maintenance loans, the postgraduate master's loan does not apply the under-60 age rule, and it is not means-tested: your parents' or partner's income is not requested anywhere on the form.
与本科生活费贷款不同，硕士学生贷款不适用"开课时须未满60岁"的规定，也不做家庭经济状况审查：表格中任何地方都不会要求填写父母或伴侣的收入。
3. Key Dates in the 2026/27 Cycle | 2026/27申请周期中的关键日期
Applications for courses starting in autumn 2026 normally open in the spring of 2026. Opening dates vary by nation, so treat the date you see on the official portal as the definitive one and set a reminder rather than relying on a forum post.
2026年秋季开课的课程，申请通常在2026年春季开放。各地区的开放日期不同，请以官方门户网站显示的日期为准，并设置提醒，而不要依赖论坛上的说法。
The hard deadline is usually expressed as a period rather than a fixed date: you must apply within nine months of the first day of your course. Applying late does not normally disqualify you, but it can mean the money arrives after your tuition instalment is due.
硬性截止日期通常以"时间段"而非固定日期表示：你必须在课程开始之日起九个月内提交申请。迟交一般不会直接取消资格，但可能意味着款项在你学费分期到期之后才到账。
Evidence such as a birth certificate or naturalisation certificate, if required, must be sent separately and can take several weeks to process. Submitting the online form is not the same as completing your application.
如果需要出生证明或入籍证明等材料，必须另行寄送，处理可能需要数周。提交在线表格并不等于完成申请。
| Stage 阶段 | Typical Timing 通常时间 | What to Do 需要做什么 |
| Applications open 申请开放 | Spring 2026 2026年春季 | Create your account 注册
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