There is always an option, I guess, for individuals to go to private sector institutions to seek funding, but I think the way the student loan program is designed means that the vast majority of students will come in through the student loan program because of its favourable terms.
Just to get back to the repayment assistance program, the reason it's so key, particularly for low-income students, is that it takes out that risk. If it turns out that you're unable to get a job that pays more than $25,000, or if it turns out that you develop an illness or lose a job, you are going to have the government provide you effectively with a deferred grant to cover the cost of interest—and principal, eventually, if necessary.
This is one of the most important features that has evolved over time. I point out that, on the thousands of people who would be in the repayment assistance program, far from viewing that a negative factor, we in fact view that as the implementation of Parliament's explicit design. We want to ensure that for those individuals who don't have that income, we do not require them to repay as long as they don't have that income. That's one of those features that I think has been critical in ensuring that burden of debt. Individuals' fear that they're going to lose their credit rating if they don't get a job that pays well or if they lose their job is taken out of play. That's one of the most important features of the program, which is why—