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The child care rebate isn't means tested. A flat 50pc off childcare fees up to a certain dollar figure spend. She wouldn't be eligible fog any means tested benefits.

Those childcare numbers don't make sense. They would receive half of that back in CCR. They probably racked up the personal loans while she was on maternity leave as she left her eldest child in care (assumption) and wasn't eligible for CCR. My old workplace was typical of this. One told me...