For an aviation stand point i think that what we need to look at is ensuring that the people using VET-FEE-HELP are passionate people who really want to be in this industry. Maybe we need to have an entrance exam, or require students to self-study up to RPL level and have a few hours in an aircraft to ensure that these people are committed and just want the financial assistance. Personally i funded myself upto CPL but used VET-FEE-HELP to get an instructors rating right away. Even having the students paying the first 5-10k is better than only covering the first 15k in my opinion, ensure that its not just free money. I also say if you don't have a good reason you have to start paying it back within 5 years your paying it back, same goes for uni students, some people these days just do courses with no intent of being employed in the field then go on a do another.