casual jobs/creative hippie - read: poor
Haha, I can relate.... underpaid first year uni student who lives two hours from uni in a town where she has to drive for fifteen minutes to even reach the nearest bus stop- read: poor.
-_-' money is so overrated. I hate that the need for money requires me to allow it to dominate my thoughts sometimes.
hey I have been reading your comments and thought this may help...
I think you may have some of the criterias wrong for Youth Payments
You said you have to be 25 to be inderpendent, that has changed, the age is now 23.
45,000 combined parental income and less is for the full rate of youth payments cut off point is alot higher than that.
BUT
you say you travel 2 hours to get to uni and that its your first year!
Ok so here are some options to look into,
Firstly, living 90 mins one way trip away from Uni and you look at moving closer to uni, because of the 90 minute travel time from the parental home you could be eligible for the Away from Home rate which is the same payment rate as the independence rate plus you can get rent assistance on top of that.
Living away from home to study brings up the parental income threshold significantly. And that's not all, because you are first year Uni and live away from home to study you will get the Relocation Scholarship that is a one of payment of $4000.00 (to help with costs of living away from home) and the Start up Scholarships that are two one of payments of $1097.00 each.
Now when working, you can earn upto $236.00 per fortnight without in affecting your centrelink payment. Anything over that is deducted at .60cents in the dollar, so that's a pretty good deal! And when being on the youth allowance payment you accumulate student income bank, these are credits that work in your favour. When you earn over the 236.00 instead of deducting that .60cents out of every dollar you earn over will deducts out of your credits instead of your youth payments leaving you with your full pay from centrelink. You can accumulate 6000 of these credits pretty fast.
So back to the Parental income, as I was saying, depending on your circumstances will depend on how the threshold is calculated.
For example having other siblings who are over 16 and studying will bring the threshold higher, living 90mins travel to study, living away from home to study will make the threshold higher...
Here is a really good tool to test your eligibility (click the "I Accept" button at the bottom of the page) and it will bring up a calculator:
http://www.deewr.gov.au/HigherEducation/Programs/YouthAllowance/Pages/Disclaimer.aspx
If you really feel that you are not getting the info you need from the person on the other end of the phone, I would suggest asking them if you can talk to a technical officer.
Hope this helps!

impatient, jaded employee