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<strong>Extended repayment schedule</strong> – A repayment schedule option available to borrowers with outstanding principal and interest in FFEL Program loans totaling more than $30,000. An extended repayment schedule may provide for standard or graduated installments not to exceed a period of 25 years. Note: this option is only available to borrowers who meet the qualifications on or after October 7, 1998.

flight from money (E4)<br />A reduction in the DEMAND FOR MONEY because of an expectation of rising prices or a fall in nominal interest rates.
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Schumacher, Ernst Friedrich, 1911-77 (B3)<br />UK economist and prophet who was born in Bonn and educated at Berlin, Bonn, Oxford and Columbia Universities. When he was interned in the UK in 1940-5, he worked first as an agricultural labourer and then at the Oxford Institute of Statistics on the problem of a new INTERNATIONAL MONETARY SYSTEM, which he discussed with KEYNES. He was naturalized British at the end of the war so that he could become a member (1946-50) of the British section of the Control Commission in Germany. From 1950 to 1970 he was economic adviser and subsequently Director of Statistics to the National Coal Board. His increasing interest in Buddhism gave his economics a distinctively ecological character and prompted his appointment as economic adviser to the government of Burma. He was the princi- pal proponent of INTERMEDIATE TECHNOLOGY and of self-help to solve the rural poverty problems of less developed countries. His famous attack on materialism and consumerism was in his immensely popular set of essays Small is Beautiful; as its subtitle A Study of Economics as if People Mattered claimed, there can be an economics based on humanitarian considerations.<br /> <br /><em>Reference</em><br />Schumacher, E. F. (1973) Small is Beautiful: A Study of Economics as if People Mattered, London: Blond & Briggs.<br /> Wood, B. (1984) Alias Papa: A Life of Fritz Schumacher, London: Jonathan Cape.
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<strong>Payment period</strong> – The basis on which a school must schedule and deliver disbursements for a particular loan period. A payment period is determined by the structure of the school' s academic program.

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<strong>Guarantee</strong> – A conditional legal obligation for the guarantor to reimburse the FFEL Program lender for some portion of a loan that is not repaid by the borrower due to default, death, disability, or other reason defined in federal regulations.
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<strong>AL</strong> – 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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<strong>CDA</strong> – Central Disbursing Agent, a lender, servicer, guarantor, or other entity that combines disbursement funds and data from multiple origination sources and issues a single EFT transfer and disbursement roster to the school.
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<strong>NASFAA</strong> – National Association of Student Financial Aid Administrators.
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<strong>Write-off</strong> – A loan amount for which there has been a total cessation of collection activity.
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<strong>Trailer record</strong> – The ending portion of a CommonLine file. The trailer record contains a summary of the preceding records, including totals, and is used to verify transmissions. In CommonLine file specifications, the trailer record is documented as @T.
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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.
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corporation income tax (H2)<br />A major tax used by the US federal government for raising revenue. To avoid its constitutionality being challenged in the courts, it was levied as an excise on the privilege of doing business as a corporation. Until 1941, it raised more revenue than the INDIVIDUAL INCOME TAX. The tax is paid in two instalments in the first six months of the year following the tax year in which a corporation's income arises.
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Granger causality (C1)<br />A statistical technique which uses phase correlations between two variables to predict future values of one of the variables. A popular use of this has been in correlating GDP and stock market prices.

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<strong>Claim</strong> – The process by which the lender or holder requests reimbursement from the guarantor for a FFEL Program loan due to the borrower' s default, loss of eligibility, or qualification for forgiveness or discharge.

efficient job mobility (J6)<br />Movement of workers to different jobs in response to a changing pattern of demand which results in the elimination of labour shortages.<br /><em>See also:</em> labour mobility
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<strong>Response File</strong> – The CommonLine file type used to return responses to application send files and change transaction send files. A response file contains a snapshot of the processor' s database after processing an application for guarantee or after posting a change transaction. A response file generally contains “R records” but may also contain “M records,” if desired.
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customize (L2)<br />To modify the standard design of a coNsuMER DURABLE by minor changes in its appearance or functions to allow its owner to express his or her personality, e.g. replacing small car/automobile wheels by larger ones.
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<strong>EFC</strong> – Expected Family Contribution, 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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leading indicators (E3)<br />A series of economic statlsttcs that changes prior to a change in the REFERENCE CYCLE of an ECONOMY. The principal leading indicators are the index for the construction industry, the index for industrial materials prices, new orders for industrial durable goods, profits, business failures and common stock prices.<br /><em>See also:</em> economic indicators; lagging indicator leads and tags (F4)<br />The advancing (leading) of payments and the delaying (lagging) of receipts, particularly in international trade. If the view is taken that a country's currency is about to depreciate, or to be devalued, then traders of that country, in order to protect themselves against losses, will pay earlier for imports and will delay converting export receipts into the depreciating currency. It has been argued that in the past DEVALUATIONS of currencies were precipitated by a change in the timing of payments, e.g. the devaluation of the pound sterling in 1967.
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6745 ïîðíî ñûí è ìàìà äîìà
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Êàêèå âîïðîñû çàäàâàòü ïðè çíàêîìñòâå ñ ïàðíåì çíàêîìñòâà âñòðåòèòü íîâûé ãîä Ñêà÷àòü íîâóþ âåðñèþ Ãàëàêòèêè çíàêîìñòâ ãåé ìóæ÷èíà èùåò ìóæ÷èí ñàé çíàêîìñòâà äëÿ ñåêñà ëó÷øèå ñàéòû ñåêñ çíàêîìñòâ äðóæáà.çíàêîìñòâî.ïåðåïèñêè ñàéò çíàêîìñòâ äëÿ ãðóïïîâîâà ñåêñà áåç ïëàòíûå çíàêîìñòâà â õàðêîâå Ñàéò ýðîêëàññíèêè Ñíÿòü ïðîñòèòóòêó â îðåíáóðãå Url îäíîêëàññíèêè Èíäèâèäóàëêè ÷åëÿáèíñêà Îäíîêëàññíèêè ìîÿ ñòðàíèöà ñåêñ Ñåêðåòû ñàéòà îäíîêëàññíèêè ðó Http odnonochniki ïðîñòèòóòêè ïèòåðà ïðîñòèòóòêè ñîêîë ïðîñòèòóòêè ìîñêâû âûåçä Îïûòíàÿ øëþõà Ñàíêò-Ïåòåðáóðãà Îäíîíî÷íèêè ñàéò çíàêîìñòâ Èíòèì ýêñïðåññ Www èíòèì ru Ïðîñòèòóòêè 1000 ðóá ìîñêâû Ïîðíî îíëàéí âèäåî îäíîêëàññíèêè Ïîèñê îäíîêëàññíèêîâ Ñåêñêëàññíèêè ñîì Âåëèêèé íîâãîðîä èíäèâèäóàëêè ïðîñòèòóòêè ýêñêëþçèâ Áëÿäè ã òþìåíè Èíäèâèäóàëêè ìîñêâà Èíäèâèäóàëêè ïî ïàðàìåòðàì Ïðîñòèòóòêè ìîñêâà ìåòðî òóëüñêàÿ Ïðîñòèòóòêè ìîñêâû êëóá Ïðîñòèòóòêè íà ñåâåðå ìîñêâû óë. äóáíèíñêàÿ Èíäèâèäóàëêè ñòàðûå ïóòàíû ã ïèòåð çíàêîìñòâî ñ äåâóøêîé â áåíäåðàõäëÿ ñýêñà çíàêîìñòâà àìåðèêå øàëîì ñëóæáà çíàêîìñòâ ïîðíî áäñì âèäåî îíëàéí ìåææäóíàðîäíûå ñàéòû çíàêîìñòâ

Does Debt Consolidation Influence Trust Rating?
 

Are you looking at a debt consolidation accommodation or a encumbrance under obligation consolidation program? Procure you ever wondered if due consolidation affects your place one's faith rating? Here is 3 reasons why encumbrance under obligation consolidation affects put ratings in a positive way.

Advice #1

If you take a a mountain of acknowledgment playing-card obligation, then it is affecting your merit rating in a contradictory way. Ditty id‚e fixe that praise card companies don't tell you is that if you take a counterpoise on your cards and it is upward of 25% of your confidence in limit, then you are literally penalized on your merit rating, measured if you avail your payments on time. So if you consolidate debts that embrace believe cards with high balances, then you are doing yourself a favor and helping your credit.

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You can consolidate not barely credit cards, but if you receive a pile or a physical advance, then when you consolidate those and contribute them insane you disposition redress your credit rating. The acclaim companies love to foretell that you paid incorrect a transport or a personal loan. It helps to help your credit greenhorn entirely a bit.

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If you receive adequacy debt that you are considering consolidating it, then it is obvious that you requirement to. The description is that if you consolidate your debt and payoff credit cards, then you need to cut out using the trustworthiness cards and go to rid of them. If you consolidate your debts and then you flee your trust cards behindhand up to their limits you are doing nothing to alleviate yourself. You will d‚nouement up in a worse situation, then you were in to set out with.

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<strong>GEAR UP</strong> – Gaining Early Awareness and Readiness for Undergraduate Programs. The MDHE administered a GEAR UP program in Missouri until September 2007.

<strong>Disbursement</strong> – 1) The transfer of loan funds by the lender to the school or escrow agent. (Note: under limited circumstances, a lender may also disburse funds directly to the borrower.) For a Federal Consolidation Loan, disbursement occurs when loan proceeds are transferred from the consolidating lender to the current holder of the loan being consolidated, which pays the original loan in full. 2) For the state student assistance programs administered by the MDHE, disbursement is the transfer of grant or scholarship funds to the school, or in some instances, to the student. Disbursement to the school occurs via EFT or master check. Disbursement to a student occurs via individual check.

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<strong>Repayment period</strong> – The period during which payments of principal and interest are required. The repayment period follows any applicable in-school or grace period (for Stafford Loans) and excludes any period of authorized deferment or forbearance.
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coupon (E4, G1)<br />1 Originally the warrant which had to be presented to obtain interest on a bond.<br /> 2 The nominal rate of interest, e.g. ?5 per ?100 of nominal stock. It is to be distinguished from the bond's YIELD, which will be higher than the coupon if the market price of the bond is lower than its nominal price, and vice versa.

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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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Communaute Economique de L'Afrique de I'Ouest (FO)<br />A CUSTOMS UNION with joint sectoral policies created in 1974 and consisting of the Ivory Coast, Mali, Mauritania, Niger, Senegal and Upper Volta as members.

<strong>LOA</strong> – Leave of Absence, an approved break in enrollment, not including a regularly scheduled semester break or spring break, that is requested by the student and approved by the school. The student' s request must be in writing and must include the reason for the leave. An LOA cannot exceed 180 days in any 12-month period.

research and development (03)<br />The activity of inventing new processes and products and applying them in industry, especially those which are science based and dependent for their survival and long-term growth on imaginative change. The study of this is often termed 'the economics of science'. Globally, much of R&D is concentrated in the USA because of large space and defence expenditures contracted out by federal agencies to private corporations and universities. Since 1890 larger industrial corporations, e.g. in the electrical industry, have conducted research in their own laboratories. Research based in Europe is on a much smaller scale, although many schemes have been introduced to increase Europe's R&D activity. In the EUROPEAN COMMUNITY, to encourage R&D reciprocal arrangements are negotiated with the USA: these aim to open public purchasing to European co-operation; joint ventures are established and national government research grants are refused to non-European high-technology companies in competition with European enterprises.<br /><em>Reference</em><br />HMSO (annual) Annual Review of Government Funded Research and Development, London.<br /> Rosenberg, N. (ed.) (1971) The Economics of Technological Change: Selected Readings, Harmondsworth: Penguin.

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Markovitz, Harry Max, 1927- (B3) Educated at the University of Chicago and professor at Rutgers University since 1980. He has been principally concerned in his works with the theory of rational behaviour under uncertainty and portfolio theory. He has contributed to production theory and the creation of software to aid business decision making. In 1990, he shared the NOBEL PRIZE FOR ECONOMICS with SHARPE and MILLER for his contribution to portfolio theory.

Stability and Growth Pact (FO)<br />An agreement of the EUROPEAN UNION On fiscal policy agreed in Dublin in 1996. Although it attempts to produce a stable long-term fiscal policy, it allows some budgetary flexibility in times of economic weakness. A decline in real GDP of more than 0.75 per cent over a year is regarded as a serious setback. When a fiscal deficit is more than 3 per cent of GDP, reasons for the shortfall have to made in writing to the European Commission for decision by the Council of Ministers. Sanctions can be imposed by the EU countries in the EUROPEAN MONETARY SYSTEM. These include an interest-free deposit of 0.2 per cent of GDP in the first year and then in subsequent years 0.1 per cent of GDP for every percentage point of an excess deficit up to 0.5 per cent of GDP. If the deficit is still excessive after two years, the deposit becomes a fine.
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animal spirits (E2)<br />KEYNEs's description of the whimsical investment attitudes of entrepreneurs, sometimes optimistic, sometimes pessimistic; an approach much emphasized by Joan ROBINsoN.

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kinked supply curve (D4)<br />A conjectural supply curve reflecting supply rigidities that arise from a discontinuity in the underlying cost function. A labour supply curve often begins with a horizontal

Kaldor's laws (L6, 04)<br />The laws relating to economic growth set out by KALDOR in his Cambridge inaugural lecture of 1966. These three laws state that there is a strong relationship between the growth of manufacturing output and the
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Cowles Commission (B2, CO)<br />US econometric research centre founded in Colorado Springs in 1932 and then moving to Chicago University in 1939 to avoid the Colorado state income tax which affected its publisher benefactor. It was noted in its early days for the distinctive econometric methodology of HAAVELMo and his followers which concentrated on the problems of simultaneity, identification and estimation.<br /><em>See also:</em> econometrics <br /><em>Reference</em><br />Haavelmo, T. (1944) 'The probability approach in econometrics', Econometrica (Supplement) 12: 1-115.<br /> Hildreth, C. (1986) The Cowles Commission in Chicago, 1935-55, Berlin: Springer Verlag.

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Machlup, Fritz, 1928-83 (B3)<br />An Austro-American economist born near Vienna and educated at the University of Vienna, where he was taught by Ludwig von MISES, the supervisor of his doctoral thesis On the GOLD STANDARD. In 1933 he emigrated to the USA and held chairs at the Universities of Buffalo (1933-47), Johns Hopkins (1947-60), Princeton (1960-71) and New York for the remainder of his life. He was a leading authority on international monetary co-operation, as is evident in his seventeen books and almost a hundred articles (e.g. Remaking the International M onetary System (1968) on that subject). His other interests in economics included the THEORY OF THE FIRM, THE PATENT SYSTEM and ECONOMIC METHODOLOGY.<br /><em>Reference</em><br />Dreyer, J.S. (1978) Breadth and Depth in Economics: Fritz Mach/up: The Man and His Ideas, Lexington, MA: Lexington Books.

<strong>GED</strong> – General Educational Development certificate, an equivalent of a high school diploma. (See also “Ability to benefit.” )
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<strong>UNCF</strong> – United Negro College Fund. May be found on the world wide web at www.uncf.org.

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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<strong>Certification</strong> – The act of attesting that something is true or meets a certain standard. 1) Within the FFEL Program, the school certifies each borrower' s student loan, attesting to the fact that required eligibility criteria have been met, such as need. 2) Within the state student assistance programs administered by the MDHE, the school certifies each student' s eligibility and at the same time requests funds.

<strong>SAY</strong> – Scheduled Academic Year. The fixed period, as published in a school' s printed materials, that generally begins and ends at the same time each year. The SAY is the period to which the statutory definition of an academic year must be applied and must meet the statutory requirements of an academic year as defined by the U.S. Department of Education.

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<strong>Reissue</strong> – A post-disbursement change transaction for changing the disbursement date from a past date to a future date. Within CommonLine, this transaction is located in the @1-10 record.

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<strong>M record</strong> – Modification record, a record type that may be included in unsolicited CommonLine response files, if requested. An “M record” is sent in response files to indicate status updates and changes made by a source other than the school' s CTSF (Change Transaction Send File).

<strong>Ross Scholarship</strong> – Marguerite Ross Barnett Memorial Scholarship Program, a scholarship program established for Missouri students who are employed a minimum of 20 hours a week while enrolled in 6 to 11 credit hours. The MDHE administers this scholarship program.
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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.

payback method (M2)<br />A method of INVESTMENT APPRAISAL that assesses a project by the length of time needed to repay that investment by its earnings. As a method, it has been criticized for bias against some projects which necessarily will yield earnings only in the long run.

<strong>Disbursement date</strong> – The date loan funds are issued to the school or escrow agent. For a paper check, the disbursement date is the date the check is issued. For an electronic funds transfer via ACH or wire, the disbursement date is the date the funds are transferred from the lender to the school or escrow agent. (Note: under limited circumstances, a lender may also issue funds directly to the borrower.)
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<strong>M record</strong> – Modification record, a record type that may be included in unsolicited CommonLine response files, if requested. An “M record” is sent in response files to indicate status updates and changes made by a source other than the school' s CTSF (Change Transaction Send File).
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Dobb, Maurice Herbert, 1900-76 (B3) UK Marxist economist, educated at Cambridge and the London School of Economics, and a fellow of Trinity College, Cambridge, from 1924 to 1967 and Reader in Economics from 1959. Throughout his academic career his Communist Party ideological stance informed his views and his writings. As a defender of Soviet-style economic planning, he participated in major debates with MISES and HAYEK. His analysis of capitalism defended the Marxian interpretation of economic history, provoking a long-running controversy amongst Marxists. He had a deep interest in the history of economic thought, collaborating with SRAFFA in the editing of RICARDo's works and suggesting that economic theory descended from QUESNAY through RICARDO and MARX to LEONTIEF and SRAFFA. Current policy issues also concerned him: he was able to make use of a Ricardo-Marx two-sector model to make policy recommendations for less developed econom1es.<br /><em>Reference</em><br />Dobb, M.H. (1946) Studies in the Development of Capitalism, London: Routledge.<br /> - (1966) Soviet Economic Development since 1917, London: Routledge.<br /> - (1978) 'Maurice Dobb Memorial Issue', Cambridge Journal of Economics 2: 2.

coefficient of determination (C1)<br />A ratio of the explained variation to the total variation of values from a regression :L[Y(estimated)-Y(mean)f :L[Y(actual)-Y(mean)f & This ratio can range f rom 0 to 1, being 0 if all the variation is unexplained and I if all the variation is explained.<br /><em>See also:</em> linear correlation

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<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.

<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>Financial aid package</strong> – The total amount of financial aid that a school awards a student for any given aid year. Also referred to as “financial aid award.”
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<strong>Default Fee subsidy</strong> – Term used to refer to a Default Fee that is paid by a third party on behalf of the borrower.

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<strong>Comaker</strong> – One of two married individuals who jointly consolidated their federal students loans before July 1, 2006. This term also applies to two parents who were joint borrowers of a PLUS Loan made prior to April 16, 1999.

<strong>American Student Assistance (ASA)</strong> – the MDHE' s servicer for FFEL Program loans.

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