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Youth Allowance Loans or Student Loans

The Centrelink Youth Allowance / AUSTUDY or Student Loans are designed for people receiving a study benefit from Centrelink.  They are studying to improve their future employment opportunity. They may also have a part-time or casual job and could be living with their parents or sharing accommodation to manage their monthly expenses. 

What is a Youth Allowance Benefit?

Centrelink provides payments to eligible students, trainees and Australian apprentices which provide financial help with everyday costs and study expenses.

There are four main payments types which are Youth Allowance, Austudy, Abstudy and assistance for isolated children.

Youth Allowance provides financial help to people who are 24 and under who are a student or Australian apprentice.


To be eligible for Youth Allowance you must be either:

  •  Studying full time,
  •  A full time Australian apprentice,
  •  Independent or need to live away from home to study, or
  •  Temporarily unable to study.

You can access more information about the Youth Allowance here.

Austudy provides income support if you are 25 or older and are a full-time student or Australian apprentice.

To be eligible for Austudy you must be:

  • 25 or older
  • A full-time student or Australian apprentice
  • Under the income and assets test limit

You can access more information about the Austudy here.

What is a Youth Allowance or Student Loan?

Our Youth Allowance Loans and Study loans allows customers to borrow smaller amounts of between $200 and $500 over a 1 to 6-month period. They suit those who don’t need to borrow a lot and prefer to pay their loan down within 6 months. They are designed to help you out with additional expenses whilst you are studying such as unexpected bills, help with study expenses or even help repair your car.

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