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<strong>Expected Family Contribution (EFC)</strong> – The amount the student or student' s family is expected to pay toward the student' s cost of attendance as a result of the Federal Need Analysis Methodology.
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<strong>Standard repayment schedule</strong> – A repayment schedule under which the borrower pays the same amount for each installment payment throughout the entire repayment period OR pays an amount that is adjusted to reflect annual changes in a variable-rate loan.
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<strong>DFee</strong> – Default Fee, a fee required by the Deficit Reduction Act of 2005. All Stafford and PLUS Loans guaranteed on or after July 1, 2006 must be assessed a one percent fee. The fee either must be deducted from the borrower' s loan proceeds at the time of disbursement or paid by a third party from other non-federal sources (such as a lender or servicer). This fee is also referred to as FDF.

<strong>SAR</strong> – Student Aid Report, the paper output record provided to the student after completing the FAFSA. The SAR contains the student' s EFC and results of federal database matches. The electronic version of the record, which is sent to the school, is called the ISIR.

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<strong>Midwest Student Exchange Program (MSEP)</strong> – This program ensures reduced tuition rates to Missouri residents who enroll in designated academic programs at participating schools in Kansas, Michigan, Minnesota, Nebraska, North Dakota, and Wisconsin. (Residents of those states may enroll in designated academic programs at participating Missouri schools.) More information is available at: http://www.mhec.org/.
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domestic credit expansion (E5)<br />Growth of the money supply, adjusted by the deficit or surplus on the BALANCE oF PAYMENrs current and capital accounts. It consists of the PUBLIC SECTOR BORROWING REQUIREMENr less net sales of public sector debt to the non-bank private sector and bank lending to the private and overseas sectors. The reasoning behind this measure is that a balance of payments deficit leads to a reduction in the expansion of the domestic money stock through excess spending overseas. Conversely, a money supply expands with a balance of payments surplus, increasing foreign currency reserves. This measure was intended to produce a monetary aggregate suitable for open economies. It was first used in the UK in 1968 when it was monetary target popular with the INTERNATIONAL MONETARY FUND.<br /><em>See also:</em> monetarism; money supply

ex ante variables (EO)<br />Measures of what is planned or intended, e.g. intended investment. These have been USed since the STOCKHOLM SCHOOL and Keynesians started modern macroeconomics; increasingly ex ante measures have been used to estimate EXPECTATIONs. In practice, surveys of business enterprises are used to ascertain intended levels of production, investment and employment.<br /><em>See also:</em> ex post variables
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public good (H4)<br />A commodity or service which is available to everyone in a particular catchment area, cannot be withheld from non-payers and is 'non-rival', i.e. one person's consumption does not diminish that of others. The main examples are national defence, sewerage, street lighting, lighthouses, public health measures such as mass vaccination, and scientific research. As individuals cannot be charged according to consumption for goods and services collectively provided, it is usual to finance their production by taxation. Although the provision of public goods was small until the twentieth century, writers as early as PETTY, SMITH and John Stuart MILL argued for their existence. It is not always easy to distinguish between a public and a private good as some private goods gratuitously benefit third parties, e.g. maintaining a garden in a beautiful condition confers pleasure on many people in the vicinity.<br /><em>See also:</em> club good; local public good; mixed good; private good
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<strong>FAA</strong> – Financial Aid Administrator, a staff member at an eligible school who administers financial aid programs.
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<strong>Late disbursement</strong> – A disbursement made by a lender after the end of the loan period or the date on which the student ceased to be enrolled at least half time.
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<strong>Mapping Your Future (MYF) Online Stafford Entrance Counseling Leaflet</strong> – A guide for completing entrance counseling online through Mapping Your Future. This publication and all publications published by the MDHE can be requested on the Publications Order Form: http://www.dhe.mo.gov/publicationsorderform.shtml

economic underpinning (PO)<br />The economic activities which finance a society. Previously this support was mainly agricultural and industrial; now it is increasingly based on information.

social contract (J5)<br />An agreement, also known as the 'social compact', lasting from March 1974 to July 1975 between the UK Labour government and TRADE UNIONS to grant various social benefits, pro-labour union laws, price controls and higher public expenditure in return for the trade-unions-organized restraint of wages. The government kept its promises; the unions failed to restrain pay rising in twelve months by 32 per cent. Rather different from Rousseau's celebrated philosophy of that name.
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<strong>Base year</strong> – For need analysis purposes, the calendar year preceeding the award year.

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<strong>Repurchase (of a claim)</strong> – The lender' s purchase of a defaulted loan from the guarantor that bought the claim.
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scalar principle (M1)<br />Within organizations, this principle dictates that managerial authority and responsibility should flow continuously from the highest person to the lowest in the hierarchy.
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stationary state (EO)<br />The position of an economy with zero output growth, the rate of profit at a minimum and only subsistence wages. CLASSICAL ECONOMISTS, with economic DEVELOPMENT as one of their central concerns,
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intrapreneur (L2)<br />A company employee who is financed by his/her employer to set up an independent company and become a subcontractor. This financial arrangement gives talented persons greater independence than regular work in a large organization would provide.<br /><em>Reference</em><br />Lessen, R. (1987) Intrapreneurship: How to be an Enterprising Individual in a Successful Business, Aldershot: Wildwood House.

<strong>Administrative forbearance</strong> – A temporary suspension, reduction, or time extension for making principal and/or interest payments on a FFEL Program loan. During any period of forbearance, interest continues to accrue on the loan.
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picketing (J5)<br />Verbal or physical persuasion of workers not to enter the premises of a firm where there is an INDUSTRIAL DISPUTE. In the UK, only peaceful picketing to convey information by no more than six pickets assembled is legal.
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