Crossword Genius

Study year needing cash (5)

Ross

I believe the answer is:

ready

'cash' is the definition.
(I've seen this before)

'study year' is the wordplay.
'study' becomes 'read' ('read' can be a synonym of 'study').
'year' becomes 'y'.
'read'+'y'='READY'

'needing' is the link.

(Other definitions for ready that I've seen before include "game?" , "In addition" , "At hand" , "Prepare < dough" , "Fully-prepared" .)

I've seen this clue in The Independent.
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