(S (S (QT (DQL ``) (QTC (S (S (VP (TO To) (VP (VB consider) (S (VP (VBG refusing) (NP (BASENP (NNS loans)) (PP (TO to) (NP (BASENP (DT those)) (VP (VBN deemed) (ADJP (ADJP (RBR less) (JJ able)) (S (VP (TO to) (VP (VB repay)))))))))))))) (VP (MD would) (VP (ADVP (RB further)) (VP (VP (VB cut) (PRT (RP off))) (NP (BASENP (JJR higher) (NN education)) (PP (IN for) (NP (BASENP (NNPS Australians)) (PP (IN from) (BASENP (JJ low) (JJ socio-economic) (NNS backgrounds)))))))))) (COMMA ,)) (DQR '')) (S (BASENP (PRP she)) (VP (VBD said)))) (PERIOD .))