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<strong>KC-RAP</strong> – The Kansas City area group of financial aid professionals, normally meeting several times a year.

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<strong>Forgiveness</strong> – The release of a borrower or any comaker from all or a portion of his or her loan obligation due to qualifying child care service or qualifying teaching service.

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

learning-by-doing (03)<br />The increase in PRODUCTIVITY resulting from repeated performance of a particular activity. SMITH recognized this in his discussion of the DIVISION OF LABOUR principle. Modem theorists of growth and international trade have considered this form of learning as an explanation of technical progress independent of the scale of production.<br /><em>Reference</em><br />Arrow, K.J. (1962) 'The economic implications of learning by doing', Review of Economic Studies 29: 155-73.
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<strong>Need</strong> – The student' s COA less the EFC, which 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. For the Missouri Gallagher Grant, need is defined as the COA less the EFC less estimated Pell eligibility.
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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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black gold (Q4)<br />1 Coal (originally).<br /> 2 Oil when it became a more important source of energy than coal.

<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>Loan transfer</strong> – Any action that results in a change of the system used to service a loan.
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gilts (E5, Gl)<br />UK government security with a guarantee that interest will be paid and capital repaid on its redemption day (if any). The term arose because of the high value of these bonds.

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Consolidated Fund (H1)<br />The fund of the UK central government into which all direct and indirect tax revenues and other receipts are paid. Prior to its establishment in 1787, separate funds existed for each type of government revenue.<br /><em>See also:</em> funding
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