Hello,

I've just realised that full time students can apply for Austudy/Youth Allowance payments through centrelink (yes, I'm a bit slow). So, I am in the process of applying now.

Just wondering if anyone can explain what it means by 'income bank' and 'working credits'. The application is asking me for this information and I dont understand the explanation for them on the centrelink website. Does it mean how much money I have in my bank account?

I'm applying for Austudy as I'm 25, studuying full time, dont work so no income. Do they assess my husbands income if I dont have an income?

I'm confused.