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<strong>Promissory note</strong> – A legally binding agreement the borrower signs, or e-signs, to obtain a loan under the FFEL Program. The current promissory note format in place is referred to as an MPN, which allows the borrower to obtain multiple loans for multiple years of school using the same promissory note.

creative accounting (M4)<br />The manipulation of the accounts of a firm or other enterprise to produce a more favourable picture of its financial state. Profits are made to appear higher to induce a rise in the company's share price; costs are inflated to justify product price increases. A variety of methods can be used, e.g. changing the method of allocating expenses, changing the valuation of assets and using more convenient exchange rates than those ruling at the time of the transaction. Some of these practices are within the rules of company law; others are so questionable as to amount to deception. UK local authorities in the 1980s used many devices to increase their spending, including selling their principal buildings and leasing them back, barter (e.g. exchanging council land for a new building), rescheduling debts and capitalizing current expenditure (e.g. including ing of entrepreneurs employing new products and new processes to supplant the old.<br /> <br /><em>Reference</em><br />Schumpeter, J.A. (1976) Capitalism, Socialism and Democracy, 5th edn, New York: Harper; London: Allen & Unwin.
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General Theory provided one for a generation of macroeconomists.<br /><em>See also:</em> economic methodology <br /><em>Reference</em><br />Latsis, S.J. (ed.) (1976) Method and Appraisal in Economics, Cambridge and New York: Cambridge University Press.
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chaebol (LO, M1)<br />Korean group of giant companies controlled by a family-owned holding company.<br /> See also: zaibatsu
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<strong>Cohort Default Rate (CDR)</strong> – As defined within 34 CFR 668.181</strong> – 668.198 (subpart M), the percentage of Stafford Loan borrowers who default before the end of the fiscal year following the fiscal year in which they entered repayment on their loans. The U.S. Department of Education calculates this rate annually for each school participating in the federal student loan programs. The most recent period for which final CDRs have been published is 2004. Schools may also obtain their draft CDR for 2005.
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eigenprices (DO)<br />The economically rational prices of an economy derived from the actual state of an economy, as shown in an INPUT ouTPUT table. Each eigenprice is a full-cost price, reflecting the input-output coefficients for the production of that good. Eigenprices make output and factor prices consistent, taking into account the final yield of an economy and the principle of full-cost pricing. Actual prices are irrational if they diverge from eigenprices. Eigenprices are 'ideal' because factors of production are rewarded according to their marginal revenue products.<br /><em>Reference</em><br />Seton, F (1985) Cost, Use and Value. The Evaluation of Performance, Structure and Prices across Time, Space and Economic Systems, Oxford: Clarendon Press.

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Galbraith, john Kenneth, 1908- (B3)<br />A Canadian American liberal economist who has achieved astounding publishing success in his books on capitalism, the Great Depression, the affluent society and the industrial state. With a training in agriculture in Ontario and in agricultural economics at Berkeley, California, he has taught at Harvard University since 1949. His early work on industrial price rigidities and on price controls made use of his wartime experience as head of the Price Section of the US Office of Price Administration. In 1952, American Capitalism launched his career as a best-selling economic guru. His works contain strikingly novel analyses, e.g. of consumers' couNTERVAILING POWER to large oligopolists, of the contrast between private affluence and public squalor and of the managerial nature of modem capitalism. Outside the university, he was a leading adviser to President John F. Kennedy and his ambassador to India. Much of his writing has the broad sweep of an eighteenth-century economist who has espoused the mixed economy: this approach is not without its critics as modem economists are often irritated by his avoidance of the empirical testing of his theories. But it is greatly to his credit that one of his most thorough books is his late survey of economic thought in 1987.<br /><em>Reference</em><br />Galbraith, J.K. (1938) Modern Competition and Business Policy, Boston, MA: Houghton Mifflin; London: Hamish Hamilton.<br /> - (1952) American Capitalism: the Concept of Countervailing Power, London: Hamish Hamilton.<br /> - (1952) A Theory of Price Control, Cambridge, MA: Harvard University Press.<br /> -(1954) The Great Crash 1929, Boston: Houghton Mifflin; London: Hamish Hamilton.<br /> - (1958) The Affluent Society, London: Hamish Hamilton.<br /> - (1967) The New Industrial State, Boston: Houghton Mifflin; London: Hamish Hamilton.<br /> - (1973) Economics and the Public Purpose, Boston: Houghton Mifflin; London: Hamish Hamilton.<br /> - (1987) A History of Economics: The Past as Present, London: Hamish Hamilton.<br /> Reisman, D.A. (1980) Galbraith and Market Capitalism, New York: New York University Press.

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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.
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elasticity of a factor of production (DO) The proportionate change in output caused by a proportionate increase in the input of one factor of production, holding the other factors constant.

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functional financing (H5)<br />A framework for public finance policies proposed by Lerner which would require the government to use every policy instrument available to contribute to the prevention of inflation and deflation and the promotion of the general interest, rather than following traditional goals of governments such as balancing the budget.<br /><em>Reference</em><br />Lerner, A.P. (1943) 'Functional finance and the Federal debt', Social Research 10 (February): 38-51.

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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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refunding (E5, H6)<br />Issuing new government secuntles to replace bonds or other securities which have matured.<br /><em>See also:</em> overfunding

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Douglas, Paul Howard, 1892-1976 (B3) A US economist who was taught, and much influenced, by John Bates CLARK at Columbia University. For most of his academic career, i.e. 1920-4 and 1927-48, he was a professor at Chicago. As US Senator for Illinois in 1948-66, he fought for family allowances, old-age pensions and pro-union legislation.<br /> In 1928, he used MARGINAL PRODUCTIVITY THEORY as the foundations of the COBB DOUGLAS PRODUCTION FUNCTION, the leading approach on the subject until 1961. His early work on wages included a seminal study of LABOUR FORCE PARTICIPATION relating wages to participation within major US cities and attempting to vindicate MARGINAL PRODUCTIVITY THEORY.<br /> <br /><em>Reference</em><br />Douglas, P.H. (1934) Theory of Wages, New York: Macmillan.
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<strong>Anticipated Graduation Date (AGD)</strong> – 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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<strong>Missouri task force</strong> – Former name for the MDHE' s State Student Financial Aid Committee, comprised of financial aid administrators and established in February of 2005 to make recommendations to improve the Missouri student financial assistance programs.
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<strong>CTSF</strong> – Change Transaction Send File, 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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difference equation (C6)<br />An equation relating a variable measured at one time to variables measured at previous times. This mathematical device is much used in DYNAMIC ECONOMICS, e.g. in the case of a coBWEB the quantity supplied in year t + 1 is a function of the price in year 1. Difference equations can be linear or non-linear, homogeneous or non-homogeneous, of first or second order.<br /> <br /><em>Reference</em><br />Goldberg, S. (1958) Introduction to Differ- ence Equations, New York: Wiley.

<strong>DR</strong> – Disbursement Roster, the electronic file or paper report listing all disbursements and related information for each borrower.
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contemporaneous externality (D6, QO) An economic activity affecting another type of production in the same time period, e.g. bee-keeping helps fruit farming.<br /><em>See also:</em> sequential externality contestable markets thesis (Ll)<br />BAUMoL's view that competition can be maintained by the state ensuring that an industry's barriers to entry are kept low. Under such circumstances, free entry and exit will maintain the market in a competitive state. This thesis is compatible with recent UK COMPETITION POLICY.<br /><em>Reference</em><br />Baumol, W.J., Panzar, L.C. and Willig, R.D. (1982) Contestable Markets and the Theory of Industry Structure, New York: Harcourt Brace Jovanovich.
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<strong>Proration</strong> – A reduction of the standard 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.

Securities and Exchange Commission (G2)<br />US regulatory body set up in 1933 with the task of regulating US SECURITIES markets, the offer of securities to the public, mutual funds, investment companies, public utility securities and investment advisers.<br /><em>See also:</em> blue-sky laws

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<strong>FSA Handbook</strong> – Federal Student Aid Handbook, a guide to administering the Title IV financial aid programs, published annually by the U.S. Department of Education.

cash limit (H5)<br />A method of controlling government spending in the UK which replaced a constant-prices system. From 1974 to 1976, cash limits were used for several

Haavelmo, Trygve, 1911- (B3)<br />A major founder of ECONOMETRics who was awarded the NOBEL PRIZE FOR ECONOMICS in 1989. He was educated at the University of Oslo where he was professor of economics from 1948 to 1979. In 1946-7 he was at the COWLES COMMISSION. His important contributions to quantitative economics include the formulation of economic theories in probabilistic terms and the study of interdependence problems.

additional-worker hypothesis (J2)<br />The assertion that unemployment will encourage more labour force participation amongst SECONDARY WORKERS thus increasing the size of the labour force. This often occurs when there is a shift from heavy to light indust ry. If those made redundan t in the heavy industries are males but the jobs available in the light industries a re predominantly suitable for females, then male unemploymen t will coincide with women joining the labour force.<br /><em>See also:</em> discouraged worker hypothesis; labour force participation rate <br /><em>Reference</em><br />Cann, G.G. (1967) 'Unemployment and the labor force participation of secondary workers', Industrial and Labor Relations Review 20: 275-97.
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running broker (Fl)<br />A London money market broker who 'runs a book' recording sales and purchases of short-term monetary assets.

<strong>Student Aid Report (SAR)</strong> – The paper output record provided to the student after completing the FAFSA. The SAR contains the student' s EFC and results of federal database matches. The electronic version of the record, which is sent to the school, is called the ISIR.

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misintermediation (GO)<br />Mismatching the maturities of assets and liabilities by banks and other financial intermediaries who borrow short and lend long. The consequences of this are financial instability and the possibility of increased fluctuations in an economy.<br /><em>See also:</em> disintermediation; intermediation; maturity mismatch; term structure of interest rates <br /><em>Reference</em><br />McCulloch, J.H. (1981) 'Misintermediation and macroeconomic fluctuations', Journal of Monetary Economics 8(July): 103-15.

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<strong>Source, The</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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national income (EO)<br />1 The money value of the goods and services resulting from the economic activities of the residents of a country over a time period, usually of a quarter or whole year.<br /> 2 A monetary flow showing net additions to wealth.<br /> 3 The sum of FACfOR INCOMES.<br /> 4 The net national product (gross national product less depreciation) because income is a FLOW coNCEPT showing net additions to wealth over a time period. <br />Different countries have varying views on what constitutes 'an economic activity' so differ in what they include in their national income accounts. However, there is conceptual accord that national income, national product and national expenditure are identical because there is in every economy a CIRCULAR FLOW of income: an economic activity produces an output which, when sold, constitutes expenditure and creates incomes for the factors of production that have made it. The national income at market prices includes in the valuation of economic activities indirect taxes net of subsidies; the valuation at factor cost does not.<br /> Rough estimates of the national income were made as early as the seventeenth century by PETIY and Gregory King, but fairly accurate national income accounting is a product of the macroeconomic revolution in economic thinking in the 1930s: CLARK and STONE in the UK and KUZNETS in the USA laid the foundations for today's national accounting. International comparisons of different countries' national incomes should be treated with caution. Apart from different statistical conventions from country to country, there is also the problem of translating income estimates in one currency into those of another, often the US dollar. In general, measures of the national income usually exclude non-market activities, leisure and environmental social costs, making them inaccurate as measures of ECONOMIC WELFARE.<br /><em>See also:</em> accounts; European system of accounts; measure of economic welfare; National Income and Product Accounts; net economic welfare; physical quality of life; purchasing power parity; System of National Accounts <br /><em>Reference</em><br />Beckerman, W. (1966) International Comparisons of Real Income, Paris: OECD.<br /> - (1980) An Introduction to National Income Analysis, 3rd edn, London: Weidenfeld & Nicolson.<br /> Kravis, LB. (1978) International Comparisons of Real Product and Purchasing Power, Baltimore, MD: published for the World Bank by Johns Hopkins University Press.<br /> Shaikh, A.M. and Tonak, EA (1994) Measuring the wealth of nations: the political economy of national accounts, Cambridge, New York and Melbourne: Cambridge University Press.<br /> United Nations International Comparison Project (1978) Phase II.

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<strong>Common Manual</strong> – A policy and procedure manual summarizing unified student loan policy that is published by NCHELP. The Common Manual is updated regularly by a committee of FFEL Program agencies.

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