The Institute for Apprenticeships w'ill also be responsible for working with employers to articulate a common set of transferable workplace skills to be required by each technical pathway. The government also proposes to create colleges for high-level technical skills training (mostly Levels 4 and 5), called National Colleges, for the development of skills known to be in high-demand, including high-speed rail, digital skills, nuclear, onshore oil and gas, and the creative and cultural industries. Furthermore, to meet recognised demand for higher-level STEM skills, Institutes of Technology will be introduced to co-ordinate technical education in STEM subjects at higher levels (Levels 3, 4 and 5) across higher education, further education and private providers and industry. Students studying in National Colleges and Institutes of Technology at Levels 4 to 6 will be eligible for income-contingent Advanced Learning Loans, similar to those offered to university students. But in addition to more skills, investing in the right skills is equally important. Targeted financial incentives can promote access to higher education for individuals from disadvantaged backgrounds, or encourage the development of specific high-demand skills.