English: For the benefit of Simon Thomas, I'd just like to remind him that, when the Welsh Labour Government sets up a Diamond review, it is not a good idea to second guess what its recommendations are going to be in our manifesto beforehand. All stakeholders were represented and therefore it was - . You know, let's hear the evidence and then we discuss what we're going to do about it. Thank you very much for your statement. I'm particularly interested to pick up on this issue of carers. I'm particularly thinking of those who have their children very young and haven't completed their education, but will want to go back to university once their children are in full-time education themselves. What discussions, if any, have you had with the Department for Work and Pensions about if somebody is a part-time student? Could they also therefore be eligible for part-time benefits on the grounds that they are only part-time students and, therefore, could they be eligible for other benefits, part-time? Because, otherwise, this part-time allowance is simply not going to work for them. It's extremely difficult to work and care as well as study, if they're lone parents. So, that would be useful to know about. My other concern is around the Student Loans Company. I'm interested to know that you're having discussions with them, because unlike your reassurances about existing students, they have changed the rules of the game in the middle of the story, because those who've taken out loans to pay for their education are suddenly finding that the Student Loans Company has been privatised and that their debts have been securitised and are being sold off to the highest bidder. And the escalator of debt that students are facing is extremely worrying, and is what is most likely to discourage people from low-income families to want to take on debt where they can't quantify it. When you take on a mortgage, you know what the end game is going to be, but it appears to be the case at the moment, the way the Student Loans Company has gone, that the student has no idea the extent of their debt and how much it is going to increase as soon as they cease to be a student and start working.
Welsh: Er budd Simon Thomas, hoffwn ei atgoffa, pan fydd Llywodraeth Lafur Cymru yn sefydlu adolygiad Diamond, nid yw'n syniad da i ragweld beth fydd ei argymhellion yn ein maniffesto ymlaen llaw. Cynrychiolwyd yr holl randdeiliaid, felly - . Wyddoch chi beth, gadewch i ni glywed y dystiolaeth ac wedyn trafod yr hyn yr ydym am ei wneud am y peth. Diolch yn fawr iawn am eich datganiad. Mae'n arbennig o ddiddorol i mi sylwi ar fater gofalwyr. Rwy'n meddwl yn arbennig am y rhai sydd wedi cael plant yn ifanc iawn ac nad ydynt wedi cwblhau eu haddysg, ond a fydd yn dymuno dychwelyd i'r brifysgol pan fydd eu plant mewn addysg llawn amser eu hunain. Pa drafodaethau, os o gwbl, ydych chi wedi eu cael â'r Adran Gwaith a Phensiynau ynglŷn â'r sefyllfa pan fydd rhywun yn fyfyriwr rhan-amser? A allen nhw hefyd, felly, fod yn gymwys i gael budd-daliadau rhan-amser ar y sail eu bod yn fyfyrwyr rhan-amser yn unig ac, felly, a allent fod yn gymwys i gael budd-daliadau eraill, yn rhan-amser? Oherwydd, fel arall, yn syml, ni fydd y lwfans rhan-amser yn gweithio iddyn nhw. Mae'n hynod o anodd gweithio a gofalu yn ogystal ag astudio, os ydynt yn rhieni unigol. Felly, byddai'n ddefnyddiol gwybod hynny. Mae fy mhryder arall yn ymwneud â'r Cwmni Benthyciadau i Fyfyrwyr. Mae'n ddiddorol gwybod eich bod yn cynnal trafodaethau â nhw, oherwydd, yn wahanol i'ch sicrwydd ynglŷn â myfyrwyr presennol, maent wedi newid y rheolau ar ganol y stori, gan fod y rhai sydd â benthyciadau i dalu am eu haddysg yn canfod yn sydyn bod y Cwmni Benthyciadau i Fyfyrwyr wedi ei breifateiddio a bod eu dyledion wedi eu diogeleiddio ac yn cael eu gwerthu i'r cynigydd uchaf. Ac mae'r ddyled gynyddol i fyfyrwyr yn peri pryder mawr, a hyn sy'n fwyaf tebygol o annog pobl o deuluoedd incwm isel i beidio ag eisiau mynd i'r ddyled honno pan nad oes modd iddynt ei feintioli. Pan fyddwch yn cael morgais, rydych yn gwybod beth fydd gennych yn y pen draw, ond mae'n ymddangos, fel y mae'r Cwmni Benthyciadau i Fyfyrwyr ar hyn o bryd, nad oes gan fyfyrwyr unrhyw syniad o faint eu dyled a faint y bydd yn cynyddu unwaith y byddant yn peidio â bod yn fyfyriwr ac yn dechrau gweithio.