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Todays Australian newspaper. 31-Oct-2008 At 9:22:15 AM Atomic_Tomatoes

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The image in the newspaper would be classed as "For Commercial Purposes".

Citing the source does not give you the right to use the image, you still have to comply with the relevant copyright for the image. Even for educational purposes....Any site that has pirated material will usually state that it is for educational purposes only, this doesn't stop you from having to comply with copyright.
Go to any stock photo/illustration site and you will see the terms copyright/licensing. Some sites individual images will be terms of use and others where you can buy royalty free photos in individuals or whole CDs worth have different terms of use.
The owner of the copyright may give you permission to use it for educational/personal use but not commercial. They may give you all permissions to use the image as you see fit as long as you credit them for the work.