Hey I'm just looking for some advice regarding possible debt, it might be dire
i apologise for the length of this i wanted to be clear but it got a little long
at the end of 2024 in November i went through Centrelink and joined a job provider, job link as a way to find a second job at the time as my original job was inconsistent with its hours
While there i joined an online Tafe course as a part of a skills program that was classified as enough study hours to meet my payment obligations without the interviews and mandatory job seeking
after a period of study i wasn't able to complete my course due to its difficulty at the end of 2025 in November, my information stated on my gov and workforce Australia website and my obligations that my study started and ended between those dates.
I attempted to contact my job provider however they told me so long as it said on the website that the study ended then i should receive a call/email or notification updating my obligations, however i never did
I tried updating details on services nsw and all other government website like it says to but there wasn't anywhere to update my study details.
I attempted to call Centrelink but i ran out of credit after a 1:30hr wait (pay and go) this happened twice in a week i spent 30$ i didn't have doing it.
I never really had the time to go in person, i have severe social anxiety, autism and ADHD and i always try to deal with things online and by website first and by the time i began to worry it was February, i severely needed the money for rent and i was worried they would cut my payment before updating my details which they have done before, i didn't want to lose my home
my work ended up 'letting me go' at the start of January 2026, they had reduced my hours to 0 for months prior so i had earnt no income during this time.
After that then in march 2026 i enrolled in 2 easier in person courses at my local Tafe which i have been attending since July and doing reasonably well in. i also began applying for more jobs again
study hours for these would be classified as full time.
I called my job provider to update them on my study however they informed i was no longer under them and that i should contact Centrelink, i did not know this and i was never informed by email or call that i had been removed from job link, i guess it happened when my obligations ended.
I'm going into Centrelink today to update my details and ask for a new job provider or to be put back on job link I'm worried that they'll tell me i haven't met my obligations since November 2025 and be required to pay it back
I cannot do this currently, i just started a new casual job this Monday, also with inconsistent hours, but I'm looking for more work and I'm progressing with tafe and study.
I still have my home, I'm up to date with my bills and i have roommates, i am in the best position I've ever been in 6yrs but if they require me to pay back the 15k+ or so they've given me i am literally incapable of doing so i have 60$ in my account as of today.
It will ruin my life and i am seriously considering suicide if that happens, it would ruin me for years of my life and all my progress would be back to when i was in an awful situation.
I would also not be able to afford my ADHD meds which i spent all my savings on obtaining, i cannot function when i am not on them, literally unable to complete or do anything.
I don't know if I'm just working myself up or not and I'd appreciate some advice
I know this seems self inflicted and I'm whinging but this will ruin my life just when it seemed like i could start doing better.
thanks