Welfare Reform Bill

I thank the Minister for that response. He has confirmed what was said in another place on this point. Of course, loans are loans and there must be an expectation of repayment, although, as the Minister will understand, there probably is a higher risk of failure to repay with this type of loan than may be the case with others. It would totally defeat the purpose of making these loans if the repayment structure became burdensome on a family or an individual.