Savings Accounts and Health in Pregnancy Grant Bill

I am with my hon. Friend 100% on the principle that he has just enunciated. Will he clarify the issue of encouraging people to save for their further and higher education? If they do so, they will apparently be penalised under the coalition Government's proposals if they pay their fees upfront having done the right thing and saved for their education? Is that correct? If so, how is it consistent with what he has just said about our commitment to encouraging a savings culture?