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A monthly/weekly lesson booked into a month whose billing date has already passed is charged at booking time by LessonBooker::settle, bypassing the daily scan where account credit is otherwise applied. So rebooking a cancelled paid lesson within the same month charged the family in full while their cancellation credit sat unused — billed twice for the same slot. Apply the payer's credit to that charge-at-booking payment for scheduled offerings, mirroring the daily scan: a payment fully covered by credit settles and confirms its lesson. Add PaymentService::findPayment so settle can re-read the row after applyCredits writes to it. Also surface the student's total account credit at the top of their detail page when they hold a balance, so the studio sees it at a glance. Co-authored-by: anthropic/claude-opus-4-8