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08-09-2011 02:36 AM

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district. Many firms attempt to base their wage structure on a productivity principle.<br /><em>See also:</em> local labour market <br /><em>Reference</em><br />Marshall, A. (1920) Principle of Economics, 8th edn, Book V1, ch. 3, London: Macmillan.

<strong>NCES</strong> – National Center for Education Statistics. The NCES is a division of the U.S. Department of Education and the Institute of Education Sciences and is the primary federal entity for collecting and analyzing data related to education. The NCES collects IPEDS data from schools.

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<strong>Disbursing agent</strong> – The lender, servicer, guarantor, or other entity that issues disbursement funds to the school for delivery to the borrower.

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08-09-2011 03:03 AM

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<strong>Disbursing agent</strong> – The lender, servicer, guarantor, or other entity that issues disbursement funds to the school for delivery to the borrower.

<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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cycles (E4)<br />Regular fluctuations in a national economy from a peak through a downswing to a trough and then an upswing back to the peak. Few national economies are without this instability.<br /><em>See also:</em> boom and bust; business cycle; Juglar cycle; Kitchin cycle; Kondratieff cycle; Kuznets cycle; stop-go

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<strong>ACH</strong> – Automated Clearinghouse, an overnight method of transferring funds electronically via the Federal Reserve.
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recovery (E3)<br />The phase in a business cycle, after a SLUMP and before a BOOM, in which output is rising and, often, unemployment is falling.

<strong>Consolidation</strong> – The combining of existing federal student loans into one new loan with an interest rate equal to the weighted average of the loans being consolidated. Consolidation can result in lower monthly payments but higher total debt.

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bracket creep (H2)<br />The movement of income tax payers into higher tax brackets as the inevitable consequence of the growth of money incomes with the income bands for each rate of income tax remaining the same. The results of this are higher marginal and average tax rates. The TAX REFORM Acr 1986 (USA) attempted to eliminate this creep by indexing tax brackets and reducing the number of tax brackets.<br /><em>See also:</em> indexation; Rooker Wise Amendment
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<strong>DL</strong> – 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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