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Higher Education (Basic Amount) (England) Regulations 2010

I understand the point that the noble Lord is making. However, we accept that it is reasonable for people to borrow huge sums to get themselves on to the property ladder. I see nothing different in following the same broad system. This is equivalent not to a credit card debt but to a mortgage. It is perfectly reasonable that we ask people to pay a significantly smaller amount of interest on a debt that will improve their life chances. There is nothing odd or strange in that. My final question is that of fairness. The noble Lord, Lord Triesman, made the case that somehow or other—