Hon CARMEL SEPULONI: This funding is about sheltering indebted individuals and whānau from the financial, health, and social impacts of overwhelming debt. For many families, a reason they don't have enough money is that their income is drained by high interest rates, repayments, and penalty fees. Well-supported low- or no-interest debt consolidation loans are a way to help them out of this trap. We estimate that around 2,000 people will get access to specialist debt support and 1,400 people could get access to, and benefit from, debt consolidation microfinance loans or help with variations to high-cost loans. Through these initiatives, families will not only be able to have support to address their immediate needs but will help develop the skill set to enable them to move forward from situations of problem debt and build more prosperous futures.