I rise to speak also on the Higher Education Support Amendment (VET FEE-HELP Reform) Bill 2015. I concur with Senator O'Neill's comments in her contribution here today. Over two years, we have had three different ministers in the Abbott-Turnbull government who have tinkered around the edges with the VET FEE-HELP loans, and the loans have skyrocketed from $699 million in 2013—