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COA – Cost of Attendance, an estimate of a student' s total education-related expenses for an enrollment period. The COA generally includes tuition, fees, room, board, books, supplies, and personal expenses. May also be referred to as the “budget.”
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Anticipated Graduation Date (AGD) – The date a student expects to graduate. May also be referred to as the Expected Graduation Date (EGD) or the Anticipated Completion Date (ACD).
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Notice of Loan Approval (NOLA) – A paper copy of the MDHE' s loan guarantee statement which schools may receive if profiled for this service.
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Feldstein, Martin, 1939- (B3) US economist who is an authority on public finance and welfare policies. He was educated at Harvard and Oxford Universities, returning to the former to be professor of economics from 1967. His quantitative work on fiscal programmes has shown their effect on employment and investment and interaction with macroeconomic policy. He became president of the influential NATIONAL BUREAU FOR ECONOMIC RESEARCH in 1977.

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FAMS – Financial Aid Management System, software used by the school to administer all aspects and types of financial aid. FAMS products include Datatel' s product Colleague, PeopleSoft, SCT' s product Banner, the College Board' s product PowerFAIDS, and many others.
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embodied technical progress (04) Technical improvements embodied in the capital stock. Net or replacement investment can increase the amount of embodied technical progress as in both cases the equipment available and chosen for purchase will usually employ the latest technology. See also: disembodied technical progress; innovation
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Interest rate – The maximum rate of interest that is charged on student loans is defined within federal statutes. In the FFEL Program, lenders often reduce the interest rate from the statutory maximum during the in-school or repayment periods for borrowers who pay on time or who meet specified eligibility requirements.

consol (G1) A consolidated fund stock ('Consolidated Annuity') of the UK government issued as an unredeemable fixed interest security. They were introduced in 1751 as a means of replacing a variety of government bonds of different MATURITIES and interest rates with a single government stock. The yield on consols has often been used as a measure of the long-term rate of interest. The consols currently traded in the UK have nominal interest rates of 2V. per cent and 4 per cent.
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closed shop (J5) An arrangement between a TRADE (LABOR) UNION and a management to restrict employment in a particular place of work or occupation to members of that union. A pre-entry closed shop is based on the rule that only trade union members can apply for work; in a post-entry closed shop a worker must become a member before or on joining the firm. The Trade Union and Labour Relations Act 1974 (UK) passed during the period of office of a Labour government made possible universal enforcement of the closed shop. The subsequent aim of Conservative governments was to remove the pre-entry closed shop (Industrial Relations Act 1971 and Employment Act 1980); the European Court in 1981 ordered the UK government to end the rail closed shop. The strongest argument in its favour is the equitable view that, as all employees benefit from a union's bargaining, all should pay union dues. Some employers have argued that a closed shop promotes harmonious industrial relations. In the USA, the post-entry closed shop is called a 'UNION sHoP'. Even in countries such as France where the closed shop is illegal, shops of this kind still exist in the docks and in printing.
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Scholarship – Financial assistance that is usually based on merit or ability and that does not have to be repaid.

London Discount Market Association (G1) London's nine DISCOUNT houses that constitute the UK's short-term money market.

American College Testing (ACT, Inc.) – An independent not-for-profit organization that provides assessment, research, information, and program management services in the areas of educational testing and planning, career planning, and workforce development.
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rental payment (D3) The payment for the use of a FACfOR oF PRooucrioN. Such payments are common in the hire of capital equipment but, in a sense, the concept applies to labour as wages are paid for labour services, not for the purchase of the worker as would be the case in slavery.

domestic credit expansion (E5) 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. See also: monetarism; money supply
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SMTP – Simple Mail Transfer Protocol, a syntax for text messages sent from one computer to another using email.

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fair trading (F1, M3) Genuine free trade in which there are no attempts to have hidden subsidies to export industries and protection of domestic industries to prevent imports, e.g. by imposing rigorous quality controls. Without fair trading in the EU, the Single Market will be impossible. 2 Selling under a system of free competition. See also: dumping

U.S.D.E. – U.S. Department of Education, which may also be referred to as ED, DE, or simply the Department. May be found on the world wide web at www.ed.gov.
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Delivery of proceeds – Delivery of loan proceeds by the school to the borrower. Also referred to as “release of proceeds.”

model company management (G3) The recommendations of the MYNERS coMMITTEE concerning the presentation of annual information to shareholders, shareholder meetings and the need to follow best practice in disclosure.

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Disbursement date change – 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.
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decelerator (H3) A fiscal change, e.g. a cut in public expenditure or an increase in taxation, which counteracts the expansionary effects of the investment ACCELERATOR.
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general fund (H6, M2) Part of a budget providing finance for a variety of purposes. See also: dedicated budget
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Employers' Associations 1965-8 (1968) Report, London: HMSO, Cmnd 3623.
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regional banking pacts (G2) US banking agreements used to overcome the restrictive banking legislation that banned interstate commercial banking to create, in effect, interstate banks. The first pacts were between neighbouring states, e.g. in New England, excluding MONEY CENTRE BANKS.

Perkins Loan – The Federal Perkins Loan Program, a campus-based Title IV student loan program administered by the school.
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netput (D2) Net output.
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capital accumulation (E2) Increasing the capital stock by undertaking investment in excess of REPLACEMENT INVESTMENT. This accumulation has been viewed as the expansion of the productive potential of the economy and as the adjustment of the amount of capital to the equilibrium level necessary to achieve an optimal allocation of scarce resources. Adam SMITH attributed this investment to a person's desire for betterment; MARX to the innate greed of capitalists. Today, the principal motivation is to achieve a desired rate of economic growth.
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last-in, first-out (J2, M2) 1 A principle for the rotation of inventories/physical stocks. In UK NATIONAL INCOME accounting conventions it enables all items to be valued at current prices; a firm using this principle is able to finance the replacement of stocks in inflationary periods. 2 The employment policy of firms which lay off first the workers who have been recruited most recently. See also: first-in, first-out

AL – Alternative loan, the CommonLine loan type code used to identify any non federal student loan, also referred to as “private loan.”

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regret (C7, D8) The difference between an actual pay-off and the pay-off that would have resulted

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regulated firm (L5) A firm subject to detailed government regulation of its pricing and investment decisions. PUBLIC UTILITIES are often controlled in this way because the goods and services they provide constitute a major part of the costs of all firms and a high percentage of the consumption expenditure of households.

FRB – Federal Reserve Bank, one of 12 banks established by The Federal Reserve Act for holding government reserve funds. The banking industry uses the Federal Reserve system for transferring funds electronically via an overnight process. (See also ACH.)

euro (F3) The common currency of the EUROPEAN UNION adopted by all member states excepting Denmark, Sweden and the UK. It came into force on 1 January 1999 in parallel with the currencies of participating states. Euro coins and notes were issued from 1 January 2002 and became the sole currency in circulation in the states of the eurozone by 28 February 2002. Soon after its inception it experienced a slump in its value.
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Half Time (HT) – An enrollment status indicating the student is carrying an academic workload, as determined by the school, that is more than half time but less than full time. For the Marguerite Ross Barnett scholarship, half-time enrollment is defined as 6-11 credit hours.
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T-bill – A note or bill issued by the U.S. Treasury as legal tender for all debts. The T-bill is used to calculate variable interest rates for federal student loans made prior to July 1, 2006, and to determine special allowance rates.

Quality Assurance (QA) – 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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public utility (L2, L3) An industry or enterprise providing basic services to the public, such as energy, water,
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Regulation B – The section of the Equal Credit Opportunity Act (12 CFR 202) that prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, ######, marital status, or age.
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quota (D2, F1) A restricted supply of a good or service. Import quotas are used to protect domestic industries; export quotas, to stabilize expor t earnings. Under any system of rationing, a quota will be the amount allocated to a particular person or organization. See also: non-tariff barrier; protection; tariff; volun tary export restraint & R

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public debt (H6) The total volume of government BONDS, BILLS and other SECURITIES outstanding at a pa rticular date. A large public debt accumulates by public borrowing over a number of years, especially to finance wars, infrastructure investments and welfare programmes. The burden of this debt can be measured as the ratio of the cost of servicing it to that country's GRoss DOMESTIC PRODUCT. The OECD provides information on government debt interest payments as a percentage of gross domestic product. The ratio rises when inflation and growth are low and real rates of interest are high and positi ve. OECD figures record cur- rently high ratios for Greece and Italy and a lower ratio for the UK. See also: debt service indicators; maturity; overlapping generations model; Third World debt problem
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Mapping Your Future (MYF) Online Stafford Exit Counseling Leaflet – 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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