Joanna Burns is 50 years old and recently last her job as a welder in a factory due to a car accident that has left her permanently wheelchair bound. She is divorced with one adult child who lives overseas. All her savings have been used in home modifications for her disability. Joanna has over $450,000 in an APRA regulated superannuation fund. She would like early access to part of this fund as she plans to enrol in a one-year human resources course so she can re-join the work force in early 2024.

Explain the relevant rules regarding general access to superannuation funds and whether Joanna has grounds for early access to the funds. Using IRAC (20 marks).