As Australia uses a Federal system of government, responsibility for education, and admission to Technical and Further Education colleges and undergraduate degrees at universities for domestic students, are in the domain of state and territory government (see Education in Australia). All states except Tasmania have centralized processing units for admission to undergraduate degrees for citizens of Australia and New Zealand, and for Australian permanent residents; however applications for international and postgraduate students are usually accepted by individual universities. The Australian government operates the Higher Education Contribution Scheme (This has been replaced by the very similar HECS-HELP - Higher Education Loan Program) for undergraduate students, so admission is rarely limited by prospective students' ability to pay up-front. All states use a system that awards the recipient with an ATAR, and the award of an International Baccalaureate meets the minimum requirements for admission in every state. ATARs are awarded based on the level of attainment in each State's individual secondary schooling exams (such as the NSW HSC). For individuals without an ATAR, or recent secondary schooling certificate, the Special Tertiary Admissions Test is used as the standard test to provide an ATAR. The maximum possible ATAR is 99. 95, indicating that the student has achieved better than 99. 95% of their peers.