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<strong>SFY</strong> – State Fiscal Year, a period from July 1 through June 30 of the following calendar year for the state of Missouri.

<strong>COD</strong> – Common Origination and Disbursement.

<strong>CPS</strong> – Central Processing System, a company that is contracted by the U.S. Department of Education to process the Free Application for Federal Student Aid (FAFSA).
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08-04-2011 03:17 PM

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<strong>Template</strong> – Feature within MODEL Direct allowing a school to establish common values, such as loan period dates, that can be applied to multiple loans being certified.

<strong>Leave of Absence (LOA)</strong> – An approved leave of absence is a break in enrollment, not including a regularly scheduled semester break or spring break, that is requested by the student and approved by the school. The student' s request must be in writing and must include the reason for the leave. An LOA cannot exceed 180 days in any 12-month period.

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08-04-2011 03:46 PM

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competitive process (Ll)<br />A process consisting of two opposing tendencies: the transfer mechanism which reallocates the market shares of the less efficient firms to the more efficient and the INNOVATION mechanism which enables firms lagging behind their competitors to introduce new products or processes to reassert their position in a market.<br /> <br /><em>Reference</em><br />Downie, J. (1958) The Competitive Process, London: Duckworth.

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external economy of scale (DO)<br />A reduction in the AVERAGE COSTS of a firm as a result of the expansion of the whole industry of which it is part. A major example of these economies occurs in the case of the training of labour: the general expansion of an industry requires more skilled labour to provide a pool of suitable labour for other firms.<br /><em>See also:</em> internal economy of scale
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08-04-2011 04:12 PM

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<strong>Servicer</strong> – An entity that enters into a contract with a program participant to administer any aspect of its participation in a Title IV program. Schools, lenders, secondary markets, guarantors, and the federal government may all employ servicers. MOHELA, Nelnet, and Sallie Mae are all FFEL Program servicers operating in the state of Missouri.

new issue (G2)<br />The shares offered by a company when it is marketing its securities on a stock market for the first time or raising additional capitaL The shares can be issued by TENDER or by prospectus.<br /><em>See also:</em> placing; rights issue; stag

price stabilization (L5)<br />A scheme to maintain product prices at a constant price level in order to stabilize producer incomes. This is a method extensively used for PRIMARY PRODUCTS. Under such schemes, a BUFFER STOCK is established to adjust supply to fluctuations in demand and a price is set which, it is hoped, will avoid excessive accumulation or decline in the stocks held. Attempts by KEYNES in 1942 to establish a global scheme were frustrated by governments opposed to state intervention in markets. Some schemes instituted by UNCTAD have survived only a few years.<br /><em>Reference</em><br />Newbery, D.M.G. and Stiglitz, J.E. (1981) The Theory of Commodit y Price Stabilization: A Study in the Economics of Risk, Oxford: Clarendon Press.

distributional/social weights (C1)<br />The increased weighting of one social or income group in COST BENEFIT ANALYSIS. This gives a group more significance: for example, if the LOWER QUARTILE of an income distribution is given a weight of 4 but the UPPER QUARTILE only 1 then costs and benefits affecting the lowest income group will be regarded as four times as important as those of the top group.

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08-04-2011 04:36 PM

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<strong>Skip tracing</strong> – Efforts to locate a borrower' s telephone number or address when such information is unknown.

New Cambridge economics (B2)<br />The analytical approach of the CAMBRIDGE ECONOMIC POLICY group led by Wynne Godley who offered an ALTERNATIVE ECONOMIC STRATEGY for the UK economy in the 1970s. The group believed that inflation can be caused by trade union power, an increase in world commodity prices and devaluation. Its policy recommendations included an expansionary fiscal policy, import quotas to correct balance of payments problems and the setting of tax rates at a level likely to bring about full employment and a balance of payments equilibrium.<br /><em>Reference</em><br />Cuthbertson, K. (1979) Macroeconomic Policy. The New Cambridge, Keynesian and Monetarist Controversies, London and Basingstoke: Macmillan.

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<strong>Mapping Your Future (MYF) Online Stafford Exit Counseling Leaflet</strong> – A guide to completing student loan exit 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

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08-04-2011 08:34 PM

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privatization (L5)<br />The sale of publicly owned assets, especially industrial capital, to private investors. Many countries in the 1980s undertook this kind of reduction of the public sector to achieve a variety of aims: to improve industry by freeing it from bureaucratic state control, to augment public revenue, to widen share ownership, and to increase competition to benefit consumers. One example is the sale of several UK NATIONALIZED INDUSTRIES to the public, notably gas, steel, oil, water, electricity, telecommunications, the state airline, and airports. Examples in other countries include France's sale of St Gobain, Paribas and Suez, Japan's sale of its railways and Hungary's sale of state firms to companies and individuals. Privatization has also taken the form of the sale of state and local authority housing.<br /> In practice, the programme has not met all of its aims. Competition has not increased as much as was hoped because state monopolies in many cases have become private monopolies, instead of being split into competing companies. Also, some of the assets were sold at less than their market value thus reducing the amount of public revenue received from their sale.<br /><em>See also:</em> economic devolution <br /><em>Reference</em><br />Gayle, D.J. and Goodrich, J.N. (eds) (1991) Privatisation and Deregulation in Global Perspective, London: Pinter.<br /> Swann, D. (1988) The Retreat of the State: Deregulation and Privatisation in the UK and USA, Brighton: Harvester Wheatsheaf.<br /> Thompson, D., Kay, I. A. and Mayer, C. (eds) (1986) Privatisation: The UK Experience, Oxford: Clarendon Press.

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<strong>Your Choice: Choosing the right lender & guarantor for your student loan</strong> – helpful tips on how to save money by selecting the right lender & guarantor for your individual needs. This publication and all publications published by the MDHE can be requested on the Publications Order Form: http://www.dhe.mo.gov/publicationsorderform.shtml.

<strong>EFA</strong> – Estimated Financial Assistance (or Aid), a school' s estimation of the amount of financial aid for which the student is eligible during any given enrollment period. EFA may include loan, grant, or scholarship aid from federal, state, institutional, or other sources.

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08-04-2011 09:23 PM

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Ramsey taxes (H2)<br />Taxes which raise a given revenue from proportionate taxes on commodities with the decrease in utility being kept to a minimum. Ramsey suggested that the solution to this problem posed by PIGOU was to increase tax revenue in the same proportion as the production of the taxed commodities.<br /><em>Reference</em><br />Ramsey, EP. (1927) 'A contribution to the theory of taxation', Economic Journal 37: 47-61.
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direct product profitability (M4)<br />A measure of a retailer's net profit after all labour, equipment and storage costs attributable to that product have been deducted. This is a more precise cost accounting technique than the previously popular method of calculating gross profit margins before deducting the average costs of handling and storage of each product. The knowledge gained from applying the direct product profitability method enables a retailer to have a more optimal product mix and a better use of shop space.
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<strong>MCCA</strong> – Missouri Community College Association. May be found on the world wide web at www.mocca.org.
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<strong>Meteor</strong> – Financial aid database providing information on students and their aid awards for FFEL Program loans, Pell Grants, state scholarships and grants, and other sources of aid. Also referred to as Meteor Network or Meteor Project.

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08-04-2011 09:48 PM

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<strong>PLUS Loan for Graduate and Professional Students</strong> – Effective July 1, 2006, PLUS loans may be offered to graduate and professional students. According to CommonLine file specifications, the loan type to be used for Grad PLUS Loans is GB.

Isard, W (1956) Location and the Space Economy, Cambridge, MA: MIT Press. Losch, A. (1954) The Economics of Location, New Haven, CT: Yale University Press.
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08-04-2011 10:13 PM

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marginal revenue (DO)<br />The increase in total revenue resulting from output increasing by one unit. Under PERFECT COMPETITION, a firm's marginal revenue will equal the price of its product as its demand curve is horizontal. For a firm to maximize its profits, it must choose the output level where its marginal revenue is equal to marginal cost.

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<strong>M record</strong> – Modification record, a record type that may be included in unsolicited CommonLine response files, if requested. An “M record” is sent in response files to indicate status updates and changes made by a source other than the school' s CTSF (Change Transaction Send File).
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<strong>SFA</strong> – Student Financial Aid or Assistance.

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08-04-2011 10:38 PM

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market prices (E3)<br />A valuation of the NATIONAL INCOME that includes indirect taxes net of subsidies.<br /><em>See also:</em> factor cost; gross national product

<strong>Branch campus</strong> – A permanent location of a school that: is geographically apart and independent of the main campus; offers courses leading to a degree or recognized academic credential; has its own faculty and administration; and has its own budgetary and hiring authority.

<strong>Federal Perkins Loan</strong> – The Federal Perkins Loan Program, a campus-based Title IV student loan program administered by the school.

<strong>Rolling delinquency</strong> – A delinquency that occurs whenever the delinquent status of a loan is increased or reduced but not completely eliminated as the result of a payment, deferment, forbearance, adjustment to the LDA or OSD, or reversal of a payment.

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08-04-2011 11:02 PM

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<strong>Marguerite Ross Barnett Memorial Scholarship Program</strong> – A scholarship program established for Missouri students who are employed at least 20 hours a week while enrolled in 6 to 11 credit hours. The MDHE administers this scholarship program. More information is available at: http://www.dhe.mo.gov/rossbarnett.shtml.
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<strong>Electronic Data Exchange (EDE)</strong> – Federal system used by schools to administer the Federal Pell Grant Program and the direct loan program.

banks. This UK technique of credit control was first used in 1958; in 1971 it was also applied to the larger finance houses.<br /><em>See also:</em> 'corset'

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International Monetary Market (G1)<br />A Chicago-based market established in 1982 for dealing in money futures.

<strong>OELA</strong> – Office of English Language Acquisition, a division of the U.S. Department of Education devoted to promoting high quality education for English Language Learners (ELLs). The OELA administers Title III of the No Child Left Behind Act of 2001.

interval estimate (C1)<br />An estimate in a range between two numbers of a population PARAMETER.<br /><em>See also:</em> point estimate

easy money policy (E5)<br />A relaxed monetary policy permitting high rates of growth of the money supply to keep interest rates low. This has been advocated as a means of keeping aggregate demand high and unemployment low. The UK and the USA used the policy in the years immediately following the Second World War.<br /><em>See also:</em> cheap money

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08-04-2011 11:55 PM

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<strong>COOL</strong> – College Opportunities OnLine, a college locator tool offered online by the U.S. Department of Education' s National Center for Education Statistics. The site is located at the following url: http://www.nces.ed.gov/ipeds/cool/.
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<strong>Repayment period</strong> – The period during which payments of principal and interest are required. The repayment period follows any applicable in-school or grace period (for Stafford Loans) and excludes any period of authorized deferment or forbearance.
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discount house (G2)<br />A financial institution of the City of London, which borrows MONEY AT CALL from banks and other institutions and invests it in TREASURY BILLS, high-quality
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<strong>Common Record: CommonLine (CR:C)</strong> – The FFEL Program industry' s newest electronic communication standards by which loan and borrower information is electronically gathered, stored, and transmitted via an XML format. CR:C file specifications are agreed to by the industry' s Electronic Standards Committee (ESC) and may be retrieved from the NCHELP website at www.nchelp.org.
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<strong>Treasury Offset</strong> – The withholding of a borrower' s federal Treasury payments, such as federal tax refunds, veteran' s benefits, and social security benefits, to repay a defaulted student loan.
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Cologne (1999) produced an aid package for Kosovo and the Balkans and considered restructuring Russia's external debt.<br />Okinawa (2000) considered the elimination of poverty in developing countries and financial assistance to provide information technology for them.<br />Genoa (2001) provided a global fund to combat AIDS, recommended a New Deal for Africa and called for new world trade talks.

National Association of Securities Dealers and Investment Managers (G2)<br />UK association of insurance brokers and investlnent advisers, some of whom deal in over-the-counter shares.<br /><em>See also:</em> over-the-counter market

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Hicks, Sir john Richard, 1904-89 (B3) The greatest Oxford economist of the twentieth century. His Oxford education in mathematics and philosophy, politics and economics led to a lectureship at the London School of Economics from 1926 to 1935 where he contributed to an alternative to contemporary Cambridge economics by joining with ROBBINS and HAYEK to build on wtcKSELL's ideas, although an increasing interest in Keynesian ideas drove him to Cambridge, 1935-8, at the height of the General Theory debate. Much of the rest of his life, as a professor at Manchester from 1938 to 1946, as a fellow of Nuffield

<strong>CBO</strong> – Congressional Budget Office.

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<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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