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  1. Centrepay
  2. How to use it

Set up Centrepay deductions

You can set up your own Centrepay deductions. Once you’ve arranged a Centrepay deduction, we pay the business for you, out of your Centrelink payment.

Employment Services Assessments

Employment Services Assessments (ESAts) help us understand the impact of your barriers to work including disability, illness or injury.

Real estate income

This is lease or rent money you get from a property you own. It counts in your income test.

Capability assessment

An assessment done by us to find out if you’re capable of meeting your current mutual obligation requirements.

Payments while outside Australia

To get your payment or concession card while outside Australia, you must continue to meet the qualification rules at all times.

Lump sums while on income support

A lump sum is a one-off amount of money. They can count in your income test and may affect your payment from us.

Overdrawn bank account

You can get help to access your money if you have an overdrawn bank account.

Asset hardship provisions

We may stop, reject or reduce your payment because of the assets test. If this is the case, you may be able to apply under the asset hardship provisions.

  1. Student Start-up Loan
  2. How to manage your loan

Changing your circumstances when you get a Student Start up Loan

It’s important to tell us if your circumstances change when you get a Student Start-up Loan.

  1. Student Start-up Loan
  2. Who can get it

Student Start-up Loan periods and payments

There are 2 loan periods each calendar year.

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Page last updated: 17 November 2025.
QC 60170