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<strong>Reissue</strong> – A post-disbursement change transaction for changing the disbursement date from a past date to a future date. Within CommonLine, this transaction is located in the @1-10 record.

payback method (M2)<br />A method of INVESTMENT APPRAISAL that assesses a project by the length of time needed to repay that investment by its earnings. As a method, it has been criticized for bias against some projects which necessarily will yield earnings only in the long run.
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black knight (G3)<br />A company which makes a hostile takeover bid for another firm.
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government procurement practice (F1, L3)<br />The purchasing method a governmental organization or agency uses to choose its suppliers of goods and services. Preference for a domestic supplier is a type of NONTARIFF BARRIER.

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08-05-2011 02:46 AM

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hedging (G1)<br />Dealings in FUTURE MARKETS to cover spot positions to reduce the risk of price movements, especially in commodity and currency markets. Hedging permits producers to stabilize their incomes because selling futures protects a producer against a price fall.<br /><em>See also:</em> spot market

<strong>OFee</strong> – Origination Fee, a fee charged to offset the federal government' s cost of interest subsidies (for subsidized Federal Stafford Loans) and reinsurance payments for loans that either default or are eligible for forgiveness or discharge. This fee, if charged to the borrower, may be subtracted from the borrower' s loan proceeds at the time of disbursement.

natural rate of interest (E4) Marginal product of capitaL<br /><em>See also:</em> market rate of interest; Wicksell
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<strong>Direct lending, or direct loan</strong> – The William D. Ford Direct Loan Program, a federal student loan program through which the U.S. Department of Education loans money directly to students and parents rather than having the loans funded by private lenders, as in the case of the FFEL Program. Direct lending is codified in federal regulations within 34 CFR 685.
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<strong>College Access Initiative</strong> – Included in the Deficit Reduction Act of 2005, this initiative requires guarantors to undertake activities to promote access to postsecondary education. Information and tools may cover topics such as college planning, career preparation, and paying for college and may be made available via websites, publications, or other programs.
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product life cycle (D2)<br />The life cycle of a product from when it is an innovation, often protected by PATENTS and hence earning monopoly profits for its producer, through the stage when it is competing with substitutes to its final stage of maturity when its profitability is for the most part due to the ECONOMICS OF scALE arising from a large output. This has been used to explain trade patterns and the behaviour of MULTINATIONAL CORPORAT!ONS.<br /><em>Reference</em><br />Vernon, R. (1971) Sovereignty at Bay, ch.<br /> 2, Harmondsworth: Penguin.

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08-05-2011 03:32 AM

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<strong>Package</strong> – Schools award, or “package,” student aid for each year for students. Once the aid is packaged, schools send award letters to students indicating the type(s) and amount(s) of financial aid awarded for year. (Under 34 CFR 668.16(h), the school is required to provide information about the sources and amounts of aid offered.)

<strong>The Source</strong> – MDHE' s Guide to grants, scholarships, loans and more-Outlines all of the state student financial assistance programs. 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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08-05-2011 03:57 AM

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Physiocrats (B1)<br />The leading French school of economic thought which was active in the 1760s and 1770s and whose members were the first to be called 'economistes'. QUESNAY, Mirabeau, Dupont de Nemours and TURGOT used the name Physiocrats to mean 'Lords of Nature' as they took the view that the economy should pursue its natural course. There should be no interference by government and agriculture should be accorded a unique status as it produces a surplus through plants and animals reproducing themselves unlike machines, the product of sterile manufacture. Apart from presenting one of the earliest models of Phillips, A.W (1958) 'The relationship between unemployment and the rate of change of money wage rates in the the economy (in Quesnay's Tableau Economique), they also advocated an impot unique (single tax) based on agricultural
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Bretton Woods Agreement (F3)<br />An agreement signed in Bretton Woods, New Hampshire, USA, in 1944 that created the INTERNATIONAL MONETARY FUND. It set rules for exchange rate behaviour and created a pool of COMMON CURRENCIES, thereby making the IMF the world's 'lender of last resort'. This agreement was a compromise between KEYNEs's proposals for an INTERNATIONAL CLEARING UNION and Harry White's plan for an International Stabilization Fund. Par values for exchange rates were fixed in terms of gold. A country had to intervene if its exchange rate was 1 per cent above or below par. An adjustment of more than 10 per cent was permitted if the IMF thought there was a fundamental disequilibrium (a condition vaguely defined) in a country's BALANCE oF PAYMENTS. Temporary borrowings from the IMF were possible to support a currency. This GOLD EXCHANGE STANDARD of Bretton Woods was abandoned on 15 August 1971.<br /> Critics of Bretton Woods noted that the agreement did not provide a mechanism for changing inappropriate national exchange rate policies, that it failed to make national monetary and exchange rate policies compatible, and that it discouraged frequent changes in exchange rate parities. In practice, it was a DOLLAR STANDARD as most countries fixed their currencies against the US dollar. Its demise was hastened by the problems created by the Vietnam War for the US economy.<br /><em>Reference</em><br />Dormael, A. van (1978) Bretton Woods: Birth of a Monetary System, London: Macmillan. bridefare (13)<br />A welfare programme in Wisconsin, USA, enacted in 1994 that increased welfare benefits to teenage mothers who got married. Originally this amounted to $91 extra for a single mother with one child on top of benefit of $440 per month.

job generation (J6)<br />The expansion of employment in either the public or private sector. In the former, regional and other policies are used to create jobs; in the latter, new jobs are preceded by an expansion in a market.

brokered deposit (G1, G2)<br />A deposit obtained by stockbrokers for a bank in order to increase its liquidity. As such deposits seek the highest yield, they are highly volatile and consequently unreliable as liquid assets.

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08-05-2011 04:19 AM

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agglomeration diseconomy (Rl)<br />An external DISECONOMY OF SCALE caused by the growth of a town or city. For example, the population growth of a city often results in increased pollution and congestion.

automatic stabilizer (E3, H3)<br />A built-in feature of tax structures and public expenditure programmes. It reduces fluctuations in an economy, making it respond more easily to shocks. Prominent examples of stabilizers include PROGRESSIVE TAXES (which prevent post-tax income rising at the same rate as pre-tax income) and unemployment insurance (which prevents personal income from falling below a predefined 'floor'). The GOLD STANDARD was a major type of automatic stabilizer. All these stabilizers have the characteristic of preventing the rise or fall of national income, and consequently employment, being as great as it would be in the absence of a government with an ACTIVE FISCAL POLICY. It is the experience of most countries that as these financed by borrowing and the liquidation of assets.

<strong>Less than half time (LTH)</strong> – An enrollment status indicating the student is carrying less than a half-time academic workload, as determined by the school. Students who are less than half time are not eligible to borrow FFEL Program loans.

<strong>Exit Counseling Workbook</strong> – An easy-to-read workbook that explains the ins and outs of repaying a student loan. 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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08-05-2011 04:42 AM

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<strong>Bursar, or Business Office</strong> – The institutional office that is responsible for the billing and collection of school charges.
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Premium Savings Bond (E2)<br />A form of national savings introduced in the UK in 1956: there are monthly prizes of up to ?1 million instead of the payment of interest to all bondholders. They are redeemable on demand.

<strong>Quality Assurance (QA)</strong> – Any program in business designed to help an office or procedure obtain optimal results. In systems, QA is generally used to describe systems testing prior to releasing new or enhanced software.

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debt policy (H7)<br />The course of action taken to manage a country's NAT!ONALDEBT. The official approach often adopted is to maintain market conditions so as to maximize the present and future demand for government debt, but such a policy stance may be in conflict with credit/interest rate policy.

social ownership (L3)<br />A form of public ownership similar to NATIONALIZATION. It is different from the type of UK nationaliza tion introduced in the 1940s in that members of the public hold non-voting shares and there is a greater degree of WORKERS' PARTICIPATION in management.<br /><em>See also:</em> co-operative; industrial democracy
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<strong>Claim</strong> – The process by which the lender or holder requests reimbursement from the guarantor for a FFEL Program loan due to the borrower' s default, loss of eligibility, or qualification for forgiveness or discharge.
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08-05-2011 12:41 PM

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vidual prices in a product group, price fixing according to a formula stating which costs can be passed on into product prices. In the UK, there were such policies in the 1960s and the 1970s under the NATIONAL BOARD FOR PRICES AND INCOMES and the PRICES COMMISSION, whose ruJes were partially inspired by the prices policy of the Nixon Administration in the USA. The main problems of such policies are that they can cause a shrinkage of profit margins and net investment, and reduce the responsiveness of price structures to changing market conditions.
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sales ratios (M4)<br />Sales as a proportion of stock, debtors, fixed assets, share capital or working capitaL
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<strong>NACUBO</strong> – National Association of College and University Business Officers.

<strong>GEN</strong> – General Dear Colleague Letter.
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Group of Thirty (F3)<br />The Consultative Group on International Economic and Monetary Affairs Incorporated set up in 1978 with the aim of studying in depth the international dimensions of economics and finance. The group's distinguished individual members are joined in six-monthly meetings by invited outsiders. It was originally financed by the Rockefeller Foundation, now by banks and corporations.
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national wealth (EO)<br />The total assets owned by the residents of a country on a particular day. The most reliable estimates are for firms as they have to keep balance sheets. Many household assets are only valued on death so the sample of wealth statistics produced from probate sources is non-random. It could be argued that HUMAN CAPITAL estimates should be included in the national wealth as trained labour is a major national asset. But few countries are statistically ambitious enough to attempt such a measure, although it is possible to produce an estimate if a POPULATION CENSUS asks questions about educational qualifications and training.<br /><em>See also:</em> balance sheet; stock and flow concepts; wealth <br /><em>Reference</em><br />Goldsmith, R.W. (1985) Comparative National Balance Sheets. A Study of Twenty Countries 1688-1978, Chicago and London: University of Chicago Press.<br /> Revell, L.L. (1967) The Wealth of the Nation: The National Balance Sheet of the United Kingdom, 1957 61, Cambridge: Cambridge University Press.

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

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<strong>ACH</strong> – Automated Clearinghouse, an overnight method of transferring funds electronically via the Federal Reserve.
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<strong>Electronic Funds Transfer (EFT)</strong> – The transfer of funds via an electronic method such as wire, which is realtime, or Automated Clearinghouse (ACH), an overnight process.
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consolidation loan (G2)<br />A loan offered by a financial institution to replace several outstanding loans of a debtor. The replacement loan will be less costly to service each month and will be over a longer period. Persons with burdensome credit card debts can use loans of this kind, often secured on residential property.
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stability of this distribution over time and considerable inequality.<br /><em>Reference</em><br />Atkinson, A.B. (1983) The Economics of Inequality, 2nd edn, Oxford: Clarendon Press.<br /> Phelps Brown, E.H. (1977) The Inequality of Pay, Oxford and New York: Oxford University Press.
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Cambridge Circus (B2)<br />Several young economists who debated with KEYNES in the early 1930s the development of his ideas in A Treatise of Money (1930) into the theories central to The General Theory of Employment, Interest and Money. The group included Joan ROBlNSON, Roy HARROD, Richard KAHN, James MEADE and Piero SRAFFA.<br /><em>Reference</em><br />Keynes, J.M. (1985) Collected Works, Vols XIII and XXIX, London: Macmillan.
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success in many places, including Hamburg, South Korea and the Caribbean, but less so in the UK in which six freeport schemes were launched in 1984. Freeports were popular as far back as the Middle Ages, when they were known as 'staples'.<br /><em>See also:</em> in-bond manufacturing
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<strong>MDHE</strong> – Missouri Department of Higher Education, the Missouri state agency overseeing the state' s higher education systems and related policies and administering student aid programs, including the FFEL Program and state aid programs such as the Bright Flight Scholarship. Also known as the DHE. The agency' s website may be found at www.dhe.mo.gov.

<strong>Higher Education Act of 1965 (HEA)</strong> – The Act which created the federal student aid programs.

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08-05-2011 02:56 PM

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immiserizing growth (04)<br />A decline in the ECONOMIC WELFARE of a country, despite an expansion of its pro- duction and exports, brought about by a deterioration in its TERMS OF TRADE.<br /> <br /><em>Reference</em><br />Bhagwati, J.N. (1958) 'Immiserizing growth: a geometrical note', Review of Economic Studies 25: 201-5.<br /> Johnson, H.G. (1967) 'The possibility of income losses from increased efficiency or factor accumulation in the presence of tariffs', Economic Journal 77: 151-4.
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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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employers' association (J5)<br />A federation of firms of one industry which jointly engages in coLLECfiVE BARGAINING with the TRADE UNIONS representing their workers. As employers usually apply negotiated wages to all of their workers, irrespective of their union membership, collective bargaining covers a larger part of the labour force than that part which is unionized. These associations often represent their industries on other matters, e.g. proposed legislation.

<strong>Subscription reports</strong> – Standard production reports available from the MDHE and within MODEL Direct. Subscription reports may be received daily, weekly, or monthly. To subscribe to one of these reports or to change the frequency, select the Manage Subscriptions option within MODEL Direct' s Manage Reports menu.
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<strong>Financial Aid Transcript (FAT)</strong> – An official record of federal financial aid a student has received at schools the student previously attended.
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Robinson Crusoe economy (E1)<br />An abstract model ECONOMY, based on Daniel Defoe's 1719 novel, which engages in simple capital accumulation. Although he has an initial capital endowment through salvaging goods from the shipwreck, he establishes himself as a farmer on a desert island through using ROUNDABOUT METHODS OF PRODUCTION. He learns that production is only possible when he has first attended to his security and that money is useless in an isolated economy without exchange. Robinson Crusoe has long been used as an example of an optimizing economic man who abandons AUTARKY for EXCHANGE and as the embodiment of bourgeois values, the independent modem economic man.<br /><em>Reference</em><br />Grapard, V (1995) 'Robinson Crusoe: the quintessential economic man?' Feminist Economics 1: 33-52.

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the most wary cnttc of its use as an indicator of ECONOMIC WELFARE.<br /><em>See also:</em> Stone, John Richard Nicholas <br /><em>Reference</em><br />Lundberg, E. (1971) 'Simon Kuznets' contribution to economics', Scandinavian Journal of Economics 73: 444-61.

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Chinese modernization drive (N1)<br />The SUCCessor to the CULTURAL REVOLUTION. From 1978 it attempted to achieve rapid growth of production through a ten-year plan with ambitious targets, e.g. the doubling of coal and steel output.<br /><em>Reference</em><br />Riskin., C. (1987) China's Political Econ- omy, Oxford: Oxford University Press.
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<strong>Default Aversion Assistance (DAA)</strong> – Assistance provided to a lender by the guarantor in order to prevent a delinquent loan from defaulting.

identity theft (K4)<br />Stealing the identity of a creditworthy person in order to acquire credit fraudulently.
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bunny bond (G1)<br />A fixed interest security entitling the holder to an interest payment in cash or to more units of the asset.
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Interstate Commerce Commission (L5) US federal commission set up in 1887 by the Interstate Commerce Act to regulate rail traffic across state boundaries. This was one of the earliest US attempts to control monopoly and achieve fair prices, together with an adequate standard of service across the nation. This Washington-based commission today also regulates trucks, buses, oil pipelines and inland water transportation.

domain (C6)<br />The set of values a variable can take.<br /><em>See also:</em> continuous variable; discrete variable

Jones Act 1920 (L5, R4)<br />US federal CABOTAGE statute, The Maritime Marine Act', which required sea transportation of cargo and passengers between US ports to be in ships US built, US owned and US crewed. Although there is some political support for this form of protectionism, the Act is increasingly obsolete as so many goods are shipped under foreign flags.<br /><em>See also:</em> Navigation Acts
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Knight, Frank Hyneman, 1885-1973 (B3)<br />A founder of the Chicago School, being professor at Chicago from 1927 to 1955 after an education at Tennessee and Cornell Universities. His doctoral thesis, published as Risk, Uncertainty and Profit (1921), is a classic of twentieth-century economics. It stated that profit 'arises out of the inherent, absolute unpredictability of things, out of the sheer brute fact that the results of human activity cannot be anticipated'. His social philosophy is expounded in The Ethics of Competition (1935). His other contributions include an onslaught on the Austrian measurement of capital in terms of a period of production, P!Gou's notion of sociAL cosT and post-war social engineering.
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<strong>Capitalized interest</strong> – Accrued interest that is periodically added to a loan' s principal balance. Interest accrues on a subsidized Stafford Loan after the grace period is completed and the borrower enters repayment. For unsubsidized Stafford, parent PLUS, and Grad PLUS Loans, on the other hand, interest begins to accrue after the first disbursement of the loan. Lenders may capitalize any accrued interest on a quarterly basis or at other scheduled time frames.
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Delors Plan (FO)<br />The plan of the European Community Committee for the Study of Economic and Monetary Union of 1989 chaired by Jacques Delors, the President of the EUROPEAN coMMUNITY. The European Community set up the committee to propose a progression from the S!NGLE EUROPEAN ACf 1986 to a SINGLE CURRENCY and a common MONETARY POLICY throughout the European Community. It was proposed that there should be three stages in the movement to the committee's goals. The first stage would be the greater convergence of economic performance through co-ordination of budgetary and monetary policies, possibly with a European Reserve Fund with reserves drawn from each participating central bank. The second stage would provide a medium-term framework for key economic objectives so that stable economic growth could be achieved. Finally precise rules of a non-binding nature would be created for annual budgets and the finance of government activity, and a European System of Central Banks for the formulation of a common monetary policy would be set up. It was later agreed to let the EURO replace national currencies in 2002.<br /><em>See also:</em> Eurofed; European Monetary System; European Monetary Union; Werner Report<br /><em>Reference</em><br />Committee for the Study of Economic and Monetary Union (1989) Report onEconomic and Monetary Union in the European Community, Luxemburg: Office for Official Publications of the European Communities.
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<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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automatic neural network modelling (CS)<br />A method of data analysis using the analogy of the neural networks in the brain. A'training set' of data based on input-output relationships for different cases is used to compute patterns. Automation of these procedures reduces the complexity of network construction. This analytical approach is used in financial econometrics.

Third World (00)<br />Developing economies apart from oil producers, with low per capita incomes, large agricultural sectors and a shortage of most kinds of capitaL Some have defined the Third World as those countries in receipt of FOREIGN AID.<br /><em>See also:</em> First World; Second World <br /><em>Reference</em><br />Reitsma, H.A. and Kleinpenning, LM.G. (1985) The Third World in Perspective, Assen and Maastricht: Van Gorcgum.<br /> Reynolds, L.G. (1985) Economic Growth in the Third World, 1850-1980, New Haven, CT, and London: Yale University Press.<br /> Worsley, P. (1967) The Third World, 2nd edn, London: Weidenfeld & Nicolson.
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<strong>Clock hour</strong> – A time period consisting of one of the following: 50-60 minutes of class, lecture, or recitation; 50-60 minutes of faculty supervised laboratory, shop training, or internship; or 60 minutes of preparation for a correspondence course.
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<strong>Proportional proration</strong> – A required calculation used to determine the applicable annual loan limit for an undergraduate student if the student' s program or remainder of the program is less than a full academic year in length.
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<strong>Extended repayment schedule</strong> – A repayment schedule option available to borrowers with outstanding principal and interest in FFEL Program loans totaling more than $30,000. An extended repayment schedule may provide for standard or graduated installments not to exceed a period of 25 years. Note: this option is only available to borrowers who meet the qualifications on or after October 7, 1998.
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permanent income hypothesis (E2)<br />A theory of the CONSUMPTION FUNCflON that income can be divided into permanent income (expected lifetime income) and transitory income (e.g. WINDFALL GAINs) so that permanent consumption is a function of permanent income and transitory consumption a function of transitory income. Before FRIEDMAN, the theory was suggested by several writers.<br /><em>See also:</em> absolute income hypothesis; lifecycle hypothesis; relative income hypothesis<br /><em>Reference</em><br />Friedman, M. (1957) A Theory of the Many savings banks were of this nature until extensive financial deregulation encouraged diversification.

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