Centrelink’s $1,295 boost lets eligible Australians access part of their future welfare payments as an advance lump sum—interest-free. Ideal for urgent expenses like school fees or medical bills, this payment is repaid over 13 fortnights. Learn how much you can get, who qualifies, and the smartest way to apply without risking financial strain. A clear, expert guide for making the most of Centrelink’s advance payment option.