That's an excellent question. I'm not sure I'm the best person to find that result. I guess I would want to start, however, with understanding why individuals who are in the repayment assistance program are perhaps unable to make the payments, whether they be reduced or not. Our audit did note that in 2019 about half of the individuals in the repayment assistance program had not made any payments in four years, so perhaps it's the design of the program. Perhaps it's some financial literacy issue. Perhaps it's a combination of other elements.
Before I would attempt to try to tell you how to design a program, I'd really want to understand why the current program has the outcomes it has in order to be well informed.