if you go over the income thresholds for ftba, you'll have to pay it back as you won't have been eligible for it. essentially you have an estimate on file that says your combined income will be lower than the ftba thresholds, but for whatever reason (perhaps you're close to the cut off) you've chosen to not have it paid in fortnightly installments. as a consultant i regularly recommend this - getting a few hundred dollars at the end of the year is more benficial than $18 a fortnight kwim?
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