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gross domestic product (EO)<br />The total output of goods and services produced within a given country in a particular time period. It is equal to the sum of the VALUE ADDED by each industry, net of all inputs, including imported INTERMEDIATE GOODS: this is equal to the FACTOR INCOMES of all persons engaged in domestic production. Gross domestic product together with net property income from abroad constitute gross national product.<br /><em>See also:</em> national income
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<strong>EDExpress</strong> – A PC-based software offered by the U.S. Department of Education to schools to administer the Federal Pell Grant Program and the direct loan program.
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cost ratio (M2)<br />The ratio to sales of factory costs, administrative costs, research and development costs, capital expenditure, selling costs or distribution costs.<br /> cost-utility analysis (Il)<br />A method of evaluating health programmes by calculating the cost per effect produced of a medical procedure or treatment. Effects are converted into preferences or utilities. It makes use of QUALITYADJUSTED LIFE YEARS.
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<strong>Recognized equivalent of a high school diploma</strong> – A recognized equivalent of a high school diploma may be a GED certificate, the academic transcript of a student who has successfully completed a 2-year program of study acceptable toward a bachelor' s degree, or has obtained other state certifications/requirements.

<strong>FANG</strong> – Financial Aid Noon Group, the mid-Missouri group of financial aid officers. FANG normally meets several times a year in Columbia.

<strong>R</strong> – Code used to request a “release” on a disbursement or to indicate a released status, as defined within CommonLine file specifications.
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<strong>Federal Need Analysis Methodology (FM)</strong> – The formula used to calculate the EFC (Expected Family Contribution), which is then used to determine a student' s eligibility for the federal financial aid, state aid, and/or institutional aid programs.
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<strong>Subrogation</strong> – A transfer in the ownership of a defaulted FFEL Program loan from a guarantor to the U.S. Department of Education. Loans to be subrogated are determined by established federal criteria, revised annually by DE.
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<strong>MODEL Gateway</strong> – A web loan delivery product developed by ASA, the MDHE' s servicer, to allow schools to process loan applications and changes with guarantors other than the MDHE.
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<strong>Bright Flight Scholarship Program</strong> – A Missouri state merit-based scholarship program administered by the MDHE and within the FAMOUS system. The official program name within Missouri statutes is the Higher Education Academic Scholarship Program. More information is available at: http://www.dhe.mo.gov/brightflight.shtml.

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bond (Gl, M2)<br />1 A promise under seal to pay money.<br /> 2 A fixed interest security issued by a government, corporation or company.<br /><em>See also:</em> deep discount bond; government bond; junk bond; straight bond

market balance of payments (F4)<br />The balance of demand for and supply of a country's currency in the exchange market at a given exchange rate.<br /><em>See also:</em> balance of payments
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<strong>Institutional Student Information Record (ISIR)</strong> – The electronic output record provided to the school by the CPS that includes information provided by the student on the FAFSA. The ISIR contains the student' s EFC (Expected Family Contribution) and the results of federal database matches.
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<strong>LSDA</strong> – Late Stage Delinquency Assistance. Refers to procedures followed by Student Loan Counseling Services (SLCS) when a loan is 241 days delinquent or more. The MDHE contracts with SLCS for default aversion assistance services.
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that goods are homogeneous so that individual firms have no MONOPOLY POWER.<br /><em>See also:</em> branding; product differentiation
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clearing (DO, G2)<br />1 The matching of demand and supply in a particular market.<br /> 2 The exchange between banks of the cheques drawn upon them.

<strong>Financial Assistance and Outreach Group</strong> – The division within the MDHE that administers Missouri' s state aid programs, such as the Charles Gallagher Student Financial Assistance Program.

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<strong>FAMOUS</strong> – Financial Assistance for MissOuri Undergraduate Students, the MDHE' s system and integrated database used to administer the MDHE' s state financial aid programs. FAMOUS was developed with input from Missouri schools and implemented during the 2005-2006 academic year. More information is available at: http://www.dhe.mo.gov/famous.shtml.

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<strong>Budget</strong> – Synonymous with Cost of Attendance (COA). In financial aid terms, a budget is an estimate of a student' s total education-related expenses for an enrollment period. The budget generally includes tuition, fees, room, board, books, supplies, and personal expenses. For the Charles Gallagher program, the standard budget for each institution consists of the institution' s prior year tuition and fees, room and board, and book costs reported through IPEDS, as well as standard budget figures determined by the MDHE using the Consumer Price Index (CPI). For the College Guarantee program, the budget is the lesser of the institution' s Gallagher budget or the average cost of attendance at the University of Missouri-Columbia.

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Ohlin, Bertil, 1899-1979 (B3)<br />Swedish international trade and macroeconomic theorist and a leader of the STOCKHOLM SCHOOL, who was educated at Lund University, the Stockholm School of Business Administration, Harvard University and at the University of Stockholm where he was a doctoral student of CASSEL He was a professor of economics from 1925 to 1930 at Copenhagen and at Stockholm from 1930 to 1965 (as successor to HECKSCHER). In a parallel political career, he was a member of the Swedish parliament (1938-70), leader of the Swedish Liberal Party (1944-67) and Minister of Trade (1944-45).<br /> As a member of the STOCKHOLM SCHOOL, he in many ways anticipated KEYNESIAN ideas by using the concepts of the PROPENsiTY TO CONSUME, LIQUIDITY PREFERENCE and the MULTIPLIER in articles of 1933 and 1934. In times of excess capacity, he argued (in 1934) that the government should undertake investment projects that would not compete with the private sector and would be deficit financed. He developed Heckscher's factor price equalization theory of international trade to produce the HECKSCHER OHLIN TRADE THEOREM. His most famous work is Interregional and International Trade (1933). His contribution to international trade theory earned him, with MEADE, the NOBEL PRlZE FOR ECONOMICS in 1977.<br /><em>Reference</em><br />Samuelson, P.A. (1981) 'Berti! Ohlin (1899-1979)', Scandinavian Journal of Economics 83: 355-71.<br /> Steiger, 0. (1976) 'Berti! Ohlin and the origins of the Keynesian Revolution', History of Political Economy 8: 341-66.

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green conditionality (Q2)<br />The ruJe that lending and expenditure are subject to the condition that the environment is not harmed.
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nominal gross domestic product (EO) GROSS DOMESTIC PRODUCT at current prices. This is regarded as a suitable reference target for regulating public expenditure. In the UK and the USA, GDP figures are published quarterly.
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<strong>E-sign</strong> – Process of electronically “signing” a FFEL Program loan application, FAFSA, or other student aid document by providing information in an electronic format such as within a web loan delivery product (e.g., the MDHE-ASA product, MODEL Direct).

public interest theory (D6, K2)<br />An analysis of the net economic welfare resulting from REGULATION or DEREGULATION often employing the notions of coNSUMER SURPLUS and PRODUCER SURPLUS.

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<strong>Statutory interest rate</strong> – The maximum annual interest rate under the Higher Education Act of 1965, as amended, that a lender may charge on a FFEL Program loan.

Monetary Policy Committee (UK) (E5) The committee set up in 1997 to set interest rates independently of the Treasury. It has the single task of maintaining a target rate of inflation set by the CHANCELWR OF THE EXCHEQUER. It has been noted for increasing the volatility of interest rates. Its narrow remit resembles New Zealand's rather than the US's comparable committee.

<strong>A+ Schools Program</strong> – A program administered by the Missouri Department of Elementary and Secondary Education (DESE) which provides paid tuition and fees as well as other financial incentives for students who fulfill needed requirements, graduate from a designated A+ high school and who attend a Missouri community college or vocational-technical school. More information is available at: http://www.dese.mo.gov/divimprove/aplus/index.html.

<strong>Federal Family Education Loan Program (FFELP)</strong> – Federal student loans that were authorized by Title IV, Part B, of the Higher Education Act of 1965, as amended. FFEL Program loans are funded by private lenders and are guaranteed by state agencies or other non-profit organizations. FFEL Program loans include Federal Stafford (subsidized and unsubsidized), Federal PLUS (for parents or for graduate/professional students), and Federal Consolidation Loans.
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public commodities problem (H4) Deciding how much of a public commodity to have when it is not clear whether the commodity is a GOOD at all in the sense of conferring a net benefit on a society.<br /><em>See also:</em> public good

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<strong>MDHE e-distribution list</strong> – The Missouri Department of Higher Education' s electronic news service. To sign up for this service, visit http://www.dhe.mo.gov/mdhedigest/signup.shtml.
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<strong>Change Transaction Send File (CTSF)</strong> – The CommonLine file type used to send change transactions to guarantors, lenders, and/or servicers so that FFEL Program loans may be updated. CTSFs are divided into pre-disbursement transactions (@1-09) and post-disbursement change transactions (@1-10).
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state monopoly capitalism (P2)<br />A type of economic system, particularly the SOVIET-TYPE ECONOMY, in which the state owns all the means of production (except for a few minor services and agricultural enterprises) and exploits scale economies by running each branch of production as a state-owned monopoly. MARX regarded such a stage of economic development as the prelude to full communism when the state itself would wither away.<br /><em>See also:</em> monopoly capitalism <br /><em>Reference</em><br />Cowling, K. (1982) Monopoly Capitalism, London: Macmillan.<br /> Fine, B. and Martin, A. (1984) Macroeco- nomics and Monopoly Capitalism, Brighton: Wheatsheaf.

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<strong>Free Application for Federal Student Aid (FAFSA)</strong> – The form the student must complete to apply for federal Title IV financial assistance. The FAFSA may also be completed on the web at the following url: http://www.fafsa.ed.gov/.

currency run (G2)<br />A great increase in the public's demand for cash because of the belief that other forms of finance, including CREDIT CARDS, will be ineffective. At the time of the beginning of the new millennium, 1 January 2000, many believed that only coins and banknotes were reliable at a time when widespread computer failures were possible.

<strong>LDA</strong> – Last Date of Attendance, the last day the student was physically present in class, as confirmed by the student' s attendance records. An LDA may also be referred to as an out of school date (OSD) or, if the student completed the program of study, the actual graduation date.

economic growth (04)<br />The growth in the total, or per capita, output of an economy, often measured by an increase in real GROSS NATIONAL PRODUCT, and caused by an increase in the supply of FACTORS OF PRODUCTION or their PRODUCTIVITY. This approach was central to Smith's Wealth of Nations and to much of CLASSICAL ECONOMICS. HARROD and DOMAR in 1948 were major founders of modem growth theory. Growth theorists have wedded their work to DEVELOPMENT ECONOMICS and to a study of ECONOMIC PLANNING. Ecologists and others concerned about the scarcity of natural resources have advocated zero economic growth rates as appropriate for the twenty-first century. A writer as early as John Stuart MILL (in his Principles of Political Economy, Book IV, ch. 6) extolled the benefits of the STATIONARY STATE.<br /> <br /><em>Reference</em><br />Mishan, E.J. (1977) The Economic Growth Debate. An Assessment, London: Allen&Unwin.<br /> Rostow, W.W. (1990) Theorists of Economic Growth from David Hume to the Present, New York: Oxford University Press.

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08-03-2011 10:55 AM

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<strong>Verification</strong> – A school' s procedure for checking the accuracy of information reported by students on their FAFSAs.
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collaborative production (L2)<br />A form of workplace organization which decentralizes production. This reaction to TAYLORISM can take many forms, including TEAMWORK and QUALITY CIRCLES.
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08-03-2011 11:22 AM

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08-03-2011 11:46 AM

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<strong>Default</strong> – Occurs when the borrower fails to make FFEL Program loan payments for 270 days or more or when the borrower fails to meet other terms of the promissory note.
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<strong>Private loan</strong> – A non federal student loan, also referred to as “alternative loan.” Private loans are offered to students and/or parents by many, many lenders, secondary markets, and other private entities.

co-operative federalism (H7)<br />A federal state with much intergovernmental co-operation between federal and state governments. In particular, the different layers of government jointly participate in many programmes.<br /><em>See also:</em> dual federalism; fiscal federalism

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08-03-2011 12:09 PM

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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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reproduction (E2)<br />A new cycle of production created by a given amount of capital. Simple accumulation is a cycle with no accumulation; expanded reproduction, when accumulation is more than zero; contracted reproduction when accumulation is less than zero. This is a term popular in MARXIAN ECONOMICS.
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dependency theory (01)<br />Exploitation theory applied to small countries. A small country exporting agricultural commodities finds that the control of its economy, especially its trade, shipping, insurance, banking and port facilities, passes to foreigners who are often associated with a local wealthy elite. The economy suffers from the repatriation of profits and imports, both of which are detrimental to domestic industries. The deterioration in local industry reduces industrial employment and pushes indigenous workers into the subsistence sector. In order to counteract the losses created by dependency, these theorists recommend fast independent growth and the granting of priority to basic needs. Critics argue that the theory at best is applicable only to some tropical colonies in the 1900-50 era, that it exaggerates the extent of profit repatriation and that it fails to establish a single optimal set of prices.<br /><em>Reference</em><br />Frank, A.G. (1978) Dependent Accumulation and Underdevelopment, London: Macmillan.<br /> Smith, T (199 5) 'The underdevelopment of development literature: the case of dependency theory', inS. Haggard (ed.) The International Political Economy and the Developing Countries, VoL 1, pp.<br /> 300-41, Aldershot: Edward Elgar.
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<strong>Wire</strong> – A realtime method of transferring funds electronically.
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08-03-2011 12:36 PM

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<strong>CL</strong> – CommonLine, the FFEL Program industry' s standards by which loan and borrower information is electronically gathered, stored, and transmitted via a flat file. CommonLine file specifications are agreed to by the industry' s Electronic Standards Committee (ESC) and may be retrieved from the NCHELP e-library at www.nchelp.org.
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<strong>Escrow agent</strong> – A guarantor or other eligible entity that receives the proceeds of a FFEL Program loan as an agent of an eligible lender for the purpose of transmitting those proceeds to the school.
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coinage (E4)<br />Pieces of metal of a standard size and weight stamped by a sovereign power to give them the status of money. Coins were first used as money by the Lydians (Greek inhabitants of what is now West Turkey) in the seventh century BC. The first coins were made of electrum, a natural alloy of gold and silver. Silver, bronze and copper were later used in Ancient Greece and the Roman Empire. Copper coins, used for small transactions, were issued with a monetary value in excess of the value of metal used, establishing the principle of token money, which is the nature of coinage today. The first problems of coinage, clipping and forgery, were solved by a change in production method from hammering to milling to ensure a standard size. The second problem, the inconvenience of transporting it to carry out large financial transactions, was remedied by the use of banknotes.
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market economy (P1)<br />An economy with extensive private ownership of capital and with allocation of goods and services by the price mechanism in the absence of government intervention. The PHYSIOCRATS and CLASSICAL ECONOMISTS praised this form of economy; NEOCLASSICAL ECONOMISTS have analysed it in detail, e.g. by showing how a system of coMPETITIVE TRADING is used for the exchange of all commodities. For a market economy to flourish, goods must be available in competitive markets at prices which reflect their long-run scarcities and businesses must be motivated by profit.
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08-03-2011 01:01 PM

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<strong>SMART Grant</strong> – Science and Mathematics Access to Retain Talent, a new federal grant available as of July 1, 2006. Eligibility for this grant is based on science and math curriculum and academic performance as well as financial need. May also be referred to as the National SMART Grant Program.

exchange standpoint epistemology (D4) An approach to studying economics favouring market and market policy measures.

<strong>Federal Work-Study Program (FWS)</strong> – A campus-based Title IV student employment program administered by the school. FWS is a need-based program.

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08-03-2011 01:26 PM

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credit tranche facility (F3)<br />An INTERNATIONAL MONETARY FUND lending facility to help a member country deal

<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.

<strong>BBAY</strong> – Borrower-based academic year, an academic year which deviates from the standard definition and is often used by technical or vocational schools or within non-traditional programs of study. A BBAY is individualized for each borrower and generally covers a period of time during which the borrower completes at least a certain number of credit hours.
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fixed exchange rate (F3)<br />An exchange rate whose value is tied to gold or a major currency or basket of currencies. The GOLD STANDARD was not used after the Second World War, being replaced by a DOLLAR STANDARD under BRETTON WOODS until 1971. Later in Europe a fixed exchange rate regime tied several currencies to other European currencies under the EXCHANGE RATE MECHANISM of the EUROPEAN MONETARY SYSTEM. Currencies with a fixed parity are permitted to vary only within a narrow range above and below par value. Fixed exchange rates promote stability in international trade but carry the cost of holding greater reserves of foreign currencies and other reserve assets. A revaluation or devaluation of a fixed exchange rate creates considerable problems of adjustment in the national economy concerned.
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08-03-2011 01:50 PM

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pure interest rate (E4)<br />The RATE oF INTEREST on a riskless investment
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08-03-2011 02:43 PM

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gazumping (R2)<br />Breaking an agreement to sell a house because another prospective buyer has offered a higher price in the period between an oral promise to sell and the exchange of contracts. A sharp practice prevalent in England in the 1970s and 1980s.
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monopolistic competition (Ll)<br />A market structure first discussed by Edward CHAMBERLIN in 1932. It is similar to PERFECT COMPETITION, apart from the crucial assumption of PRODUCT DIFFERENTIATION which has the effect of introducing selling costs. These costs create a BARRIER TO ENTRY with the effects of reducing the number of firms in the industry and creating a small amount of monopoly power for each producer. Since monopolistically competitive firms produce, in
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economic good (DO)<br />A scarce good, yielding UTILITY, which must be allocated either by rationing or by the price mechanism; not a FREE GooD.
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competitive trading (D4)<br />The traditional method of exchange in a market consisting of buyers and sellers using their relative market strengths to reach an agreed single market price.<br /><em>See also:</em> barter; countertrade

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08-03-2011 03:06 PM

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inflation (E3)<br />A general sustained rise in the price level
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<strong>Academic Year (AY)</strong> – For the purposes of federal student aid, a period that begins on the first day of classes and ends on the last day of classes or examinations and that consists of at least 30 weeks of instructional time. The standard federal and state definition of an academic year is July 1 through June 30. (Note: the acronym “AY” may also refer to the Award Year.)
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08-03-2011 03:27 PM

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disconnective taxation (H2)<br />Taxation unconnected to any spending. The opposite of a BENEFIT TAX.

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Clayton Act 1914 (L4)<br />The important amendment to the US SHERMAN ACT 1890 which extended federal ANTITRUST Jaw. It forbad PRICE DISCRIMINATION, tying arrangements and exclusive dealing, and the acquisition of another corporation's stock if it was likely to reduce competition or lead to the creation of a monopoly; it also allowed triple damages to those suffering breaches of the antitrust law. It exempted labour unions and agricultural associations from antitrust actions.<br /><em>See also:</em> Celler-Kefauver Antimerger Act; Robinson-Patman Act
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08-03-2011 03:50 PM

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<strong>Disbursement date change</strong> – A pre-disbursement change transaction updating the date loan funds should be issued to the school or escrow agent. May also be referred to as rescheduling a disbursement. Within CommonLine 4 files, the disbursement date change is located within the 01-09 record.

corporate state (PO)<br />A state considerably influenced by relatively few large firms and trade unions which jointly, with the collaboration of the government, make the major economic decisions on which the running of an economy is based. Italian fascism of the interwar period took this form; UK governments of the 1960s and 1970s, according to their critics, adopted such a political philosophy. As the proportion of output produced by a few major companies increases in the USA and other Western countries, coRPORATISM becomes a more important issue.<br /><em>See also:</em> minimal state; state monopoly capitalism

<strong>Financial need</strong> – The student' s COA (Cost of Attendance) less the EFC (Expected Family Contribution). The resulting amount is used to determine a student' s eligibility for most of the federal student aid programs as well as some state and institutional aid programs.
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fiscal illusion (H3)<br />An unawareness of actual fiscal policy because of the poor definitions used of 'taxes', 'spending' and 'deficits'. By not making explicit the financing of every government programme, the size of a fiscal stimulus cannot be properly measured. Illusion can only be cured by identifying for each fiscal instrument its direct effect on the economy and its indirect effects through the changing of household budget constraints.

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08-03-2011 04:16 PM

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<strong>MODEL</strong> – Missouri Direct for Educational Loans, the MDHE' s system used to guarantee and track FFEL Program loans and borrowers.
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