AUCKLAND, NEW ZEALAND - MAY 08:  In this photo illustration, student loan documentation is pictured on May 8, 2012 in Auckland, New Zealand. Minister of Finance Bill English will announce the 2012 New Zealand Budget on May 24 at New Zealand Parliament. Included in the 2012 Budget are the governments plans to increase the compulsory student loan repayment rate from 10 to 12 per cent of income.  (Photo by Phil Walter/Getty Images)