I think sometimes, Presiding Officer, we all give the Chamber a bit too much information. [Laughter.] Or, as my teenaged daughter would refer to it: ‘TMI, mum, TMI’.

Can I thank the Member for his comments and say how glad I am that the all-party group exists? I think we do need to have those opportunities for Members, our institutions and those interested in this very important area for a forum where we can get together and discuss these important issues. So, I’m grateful for the initiative that he’s shown in setting up the group, and I’m sure Professor Diamond will have plenty to say to everybody this evening.

I am aware of the controversy in England about the UK Government’s decision to freeze repayments for a five-year period. The Welsh Government did not make a future commitment on the level of its repayment thresholds for students taking out loans since 2012. Whilst the Welsh Government is able to set its own repayment thresholds, we would need to work through the practical and financial implications of decoupling what is currently an England and Wales repayment collection system. That would be extremely complex and difficult to accomplish in a short time frame. However, I would be delighted if the Government in Westminster decided that it would like to increase the repayment threshold to fulfil its prior commitments and we would be happy to amend our thresholds accordingly.

With regard to the Student Loans Company, this has been an issue of huge importance for me since I took office. There have been problems previously with the relationship between the Welsh Government and the Student Loans Company, which has restricted the ability for Welsh Government to move in the policy directions that it would like to. That is tantamount to Welsh students being discriminated against, which is not acceptable to me. I must say that I have met, spoken to and written to the Student Loans Company on a number of occasions. In fact, I’ve a senior official at the SLC today, working on plans for the implementation of this particular scheme, and I am confident that we will be able to deliver it. But these are things that I am keeping a very close eye on and will continue to reflect on to ensure that Welsh students are getting the best deal that they can.