Senator PAYNE (New South Wales—Minister for Human Services) (14:30): Senator Carr should stop misleading the Senate, Mr President. No student has to pay a cent up-front, as is the case now, and no-one needs to repay anything until they are earning over $50,000 a year. Opposition senators interjecting— The PRESIDENT: Order on my left. Senator PAYNE: The other benefits will include the extensive Commonwealth Scholarships scheme. That will be the largest scholarship support in Australia's history, and those opposite simply do not care about that. For the first time ever, the Commonwealth will be supporting all Australian undergraduate students in all registered higher education institutions, not just in bachelor studies but in diplomas as well—all students in those courses. And tens of thousands of the sorts of students from non-university higher education providers—they were here in Canberra last week; they visited Parliament House—will have lower fees because they will have Commonwealth support. They will not have to pay the loan fees of 20 and 25 per cent that are currently applied to students studying under— (Time expired)