📚 UK Master's Student Loan Evidence Return Form: Required Documents Checklist | 英国硕士生学生贷款申请需用的证明材料回传表
Applying for a UK postgraduate master's loan is only half the job. The other half is proving who you are, where you live, what you are studying and what you have studied before. This guide explains exactly which documents you need, how they must be certified, and how to build a single "evidence return form" so that nothing is missing when your file reaches an assessor.
申请英国硕士生学生贷款，填表只是一半工作，另一半是证明"你是谁、你住哪里、你读什么课程、你以前读过什么"。本文逐项说明需要哪些证明材料、如何认证、以及如何整理成一张完整的"证明材料回传表"，让你的材料在审核员手上一次通过。
1. What an Evidence Return Form Actually Is | 什么是证明材料回传表
An evidence return form is a cover sheet that you attach to the certified copies of your documents when returning them to Student Finance or to your university. It is not a single official form with one fixed name across the UK; Student Finance England, Student Finance Wales, Student Finance NI and SAAS each use their own letters, upload screens and reference numbers. What they all share is the same logic: one cover sheet, one reference number, one document list, and one signature.
证明材料回传表是一张封面清单，把你所有文件的认证复印件附在它后面一起交回学生贷款机构或学校。它并不是全英统一命名的官方表格，英格兰、威尔士、北爱尔兰的学生贷款机构与苏格兰 SAAS 各有自己的信件、上传界面和编号体系。但它们的逻辑完全一致：一张封面、一个档案号、一份文件清单、一个签名。
Use the return form for four purposes: to let the assessor match your evidence to your application instantly, to prove that the copies you sent are certified, to create your own audit trail if a document goes missing, and to give you a checklist so you never post a half-finished file.
回传表有四个作用：让审核员一眼把你的材料与申请对应起来；证明你寄出的是认证复印件；在文件丢失时留下自己的存档证据；同时作为你自己的核对清单，避免寄出"半成品"。
e application = Cover sheet + Certified evidence + Signed declaration + On-time submission
2. Core Identity Evidence | 核心身份证明
Identity evidence is always requested first, because nothing can be verified until your name and date of birth are confirmed. If you hold a valid passport, entering the number online is usually enough at the application stage, but a certified copy of the photo page may still be requested, especially if the number cannot be validated automatically.
身份证明永远是第一位的，因为姓名和出生日期不确认，其他材料都无法核实。如果你持有有效护照，申请阶段通常只需在线填写护照号码，但机构仍可能要求彩色认证复印件，尤其是号码无法自动核验时。
If you do not hold a valid passport, you normally provide a birth certificate or adoption certificate together with a signed identity confirmation form. The person who confirms your identity must be a professional of good standing who has known you personally for at least two years, and their signature must be dated and accompanied by their position, registration number and contact details.
如果没有有效护照，通常需要提供出生证明或领养证明，外加一份签署的身份确认表。确认人必须是与你相识至少两年的专业人士，其签名须注明日期，并附上职务、注册编号与联系方式。
- Valid passport: photo page, colour, all four corners visible, machine-readable zone clear.
有效护照：资料页、彩色、四个角完整、机读区清晰。 - No passport: birth certificate or adoption certificate plus a completed identity confirmation form.
无护照：出生证明或领养证明，加填妥的身份确认表。 - Name change: marriage certificate, civil partnership certificate, decree absolute or a deed poll.
姓名变更：结婚证、民事伴侣证书、离婚判决书或改名契据。 - Expired documents are not accepted as proof of identity, even if they were valid when you first applied.
过期证件不能作为身份证明，即使申请时仍然有效。
| Document | Accepted form | Common problem |
| Passport | Certified copy of photo page | Glare from a phone flash hides the code at the bottom |
| Birth certificate | Full or short certificate, certified | Photocopy not certified by a professional |
| Identity confirmation form | Original signature, dated, with certifier details | Certifier has known you less than two years |
3. Personal Details, National Insurance and Contact Evidence | 个人信息、国民保险号与联系方式
Your National Insurance number is not optional in practice. Student Finance can assess your application without it, but payment cannot be released until the number is recorded, so it belongs on the return form from day one. The standard format is two letters, six digits and a final letter, for example QQ 12 34 56 C.
国民保险号实际上不是可选项。没有它，贷款机构可以先评估申请，但无法放款，所以从第一天起就应该写在回传表上。标准格式为两个字母、六位数字加最后一个字母，例如 QQ 12 34 56 C。
You also need your Customer Reference Number, which is the long number printed on every letter and shown in your online account. Every email, uploaded file name and posted envelope should carry it, because an assessor handling hundreds of files will match you by number, not by name.
你还需要档案号（Customer Reference Number），它印在每一封来信上，也显示在你的在线账户中。每封邮件、每个上传文件名、每个信封都应写上它，因为审核员是按编号而非姓名归类的。
- National Insurance number: card, HMRC letter, payslip or P60 showing it.
国民保险号：卡片、HMRC 来信、工资单或 P60。 - No National Insurance number: evidence that you have applied, or a note explaining why one has not been issued.
尚未取得：提供已申请的证明，或说明尚未签发的理由。 - Address history: previous addresses covering the relevant residence period, with dates.
地址记录：覆盖相关居住期的历次地址与起止日期。 - Contact details: a mobile number and an email address you check weekly, plus a UK correspondence address.
联系方式：每周查看的手机号与邮箱，以及一个英国通信地址。
4. Residency and Immigration Evidence | 居住与移民身份证明
Residency is the single most scrutinised part of a postgraduate loan application. The usual test is ordinary residence in the UK, the EEA or Switzerland on the first day of the academic year, plus three years of continuous ordinary residence immediately before that day, and you must not be resident in the UK solely for the purpose of receiving education.
居住身份是硕士贷款审核中最严格的一项。常见标准是：在学年第一天通常居住于英国、欧洲经济区或瑞士，并在该日之前的三年内持续通常居住于此，且你不能仅仅为了接受教育而居住在英国。
Eligibility = ordinary residence on day 1 of the academic year
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