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08-03-2011 01:03 PM

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stabilization policy (E3) see countercyclical policy

<strong>Administrative Wage Garnishment (AWG)</strong> – Process by which federal student loan holders may withhold a portion of a borrower' s wages after a loan is in default.

<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.

Ricardo, David, 1772-1823 (B3)<br />A leading English CLASSICAL ECONOMIST who came to economic study after a rigorous Tahnudic education at the Portuguese Synagogue of Amsterdam, a lucrative career as a London stock jobber and a chance reading of SMITH's Wealth of Nations at Bath in 1799. The great inflation of the Napoleonic Wars period brought him to write a pamphlet on monetary economics, The High Price of Bullion, in 1811. The coRN LAWS controversy inspired An Essay on the Influence of a Low Price of Corn on the Profits of Stock, his first attempt to create a model of the economy using the DIFFERENTIAL THEORY OF RENT, the law of DIMINISHING RETURNS and the inverse relationship between wages and profits. James MILL encouraged him to expand it into the larger, and very influential, Principles of Political Economy and Taxation, first published in 1817. What originally had been a theory to show that restricting corn imports would lead to an extension of cultivation to marginal land and a fall in the rate of profit became an integrated theory of value, distribution, international trade and taxation. The most controversial aspect of it was, perhaps, his theory of value. This was narrower than SMITH's in that it emphasized labour quantities as an explanation of relative values at all stages of society and was more concerned with the quest for an invariable standard of value, seen by contemporaries as important at a time when INDEX NUMBERS were not available to show the extent of inflation. Although many of his key theories were not original (e.g. DIFFERENTIAL THEORY OF RENT, the Jaw of COMPARATNE ADVANTAGE) his central model dominated the thinking of his day and was to be an important starting point for John Stuart MILL, MARX and MARSHALL. As a Member of Parliament from 1819 for Portarlington, a rotten borough, he was to be an influential debater on central issues, especially on monetary questions, later being a major inspiration for the Currency SchooL His home at Gatcombe Park, Gloucestershire (later the home of HRH The Princess Royal), was used as the venue of the Political Economy Club, the only forum for the leading economists of the time to discuss economics. He died, much admired, leaving the immense fortune of ?775,000, including agricultural estates, despite having created an economic theory so despised by the landed interest.<br /> See also: neo-Ricardians; Sraffa <br /><em>Reference</em><br />Blaug, M. (1958) Ricardian Economics: A Historical Study, New Haven, CT: Yale University Press.<br /> Hollander, S. (1979) The Economics of David Ricardo, Toronto: University of Toronto; London: Heinemann Educational Books.<br /> Morishima, M. (1989) Ricardo's Economics, Cambridge: Cambridge University Press.<br /> Sraffa, P and Dobb, M.H. (eds) (1951-73)<br />The Works and Correspondence of David Ricardo, Cambridge: Cambridge University Press.

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08-03-2011 01:27 PM

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######ual discrimination (J7)<br />The unfavourable treatment of one ###### in matters of wages, recruitment or promotion. In the USA federal legislation first addressed itself to this in civil rights legislation of the 1960s; in the UK under the EQUAL PAY ACT 1970 and ###### DISCRIM!NAT!ON ACTS 1975, 1986; in the EUROPEAN COMMUNITY under Article 119 of the TREATY OF ROME. The economic analysis of discrimination dates back to John Stuart MILL's writings on the wages of women in his Principles.<br /><em>See also:</em> crowding hypothesis; occupational segregation
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<strong>Period of enrollment</strong> – As defined by federal regulation, the period for which a Stafford or PLUS loan is intended. The period of enrollment must coincide with a bona fide academic term established by the school for which the school' s charges are generally assessed. For instance, a semester, quarter, or entire academic year might be a student' s period of enrollment.
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08-03-2011 01:51 PM

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<strong>Missouri Department of Higher Education (MDHE)</strong> – The Missouri state agency overseeing the state' s higher education systems and related policies and administering student aid programs, including FFELP loans and state aid programs such as the Bright Flight Scholarship. Sometimes referred to as the DHE. The agency' s website may be found at www.dhe.mo.gov.
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<strong>Period of enrollment</strong> – As defined by federal regulation, the period for which a Stafford or PLUS loan is intended. The period of enrollment must coincide with a bona fide academic term established by the school for which the school' s charges are generally assessed. For instance, a semester, quarter, or entire academic year might be a student' s period of enrollment.
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personnel economics (J2)<br />The study of the business aspects of human resources based on microeconomic principles, especially the notions of maximizing agents, equilibrium and efficiency.<br /><em>Reference</em><br />Lazear, E.P. (2000) 'The future of personnel economics', Economic Journal 110: 611-39.
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08-03-2011 02:16 PM

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<strong>Part D</strong> – The section of Title IV of the Higher Education Act of 1965, as amended, that authorizes the William D. Ford Federal Direct Student Loan Program.

<strong>DR</strong> – Disbursement Roster, the electronic file or paper report listing all disbursements and related information for each borrower.

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<strong>TRIO</strong> – Special federal programs for students from disadvantaged backgrounds.
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08-03-2011 02:45 PM

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<strong>FANG</strong> – Financial Aid Noon Group, the mid-Missouri group of financial aid officers. FANG normally meets several times a year in Columbia.

<strong>Region VII</strong> – The local office of the U.S. Department of Education, located in Kansas City, MO.
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08-03-2011 03:07 PM

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<strong>Missouri Department of Higher Education (MDHE)</strong> – The Missouri state agency overseeing the state' s higher education systems and related policies and administering student aid programs, including FFELP loans and state aid programs such as the Bright Flight Scholarship. Sometimes referred to as the DHE. The agency' s website may be found at www.dhe.mo.gov.

economic agent (DO, MO)<br />A person or firm with the power to make decisions about output, investment, prices, etc.

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<strong>Private loan</strong> – A non federal student loan, also referred to as “alternative loan.” Private loans are offered to students and/or parents by many, many lenders, secondary markets, and other private entities.
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Eurofranc (G2)<br />A franc deposit in a non-French bank in Europe but outside France.

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<strong>AFDC</strong> – Aid to Families with Dependent Children, a public assistance program.
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08-03-2011 03:51 PM

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<strong>ALAS</strong> – Auxiliary Loans to Assist Students. This federal student loan program was available from 1981 to 1986; in 1986 it was re-named the Parent Loans for Undergraduate Students (PLUS) program.

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initial public offering (G1)<br />The first sale of shares of a company to the public when it decides to offer a stake in its ownership to outside investors. Usually an investment bank advises a company on coming to market and might guarantee the sale through a firm commitment to buy all the shares and then resell to other investors.<br /><em>See also:</em> primary offering
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development (01, 04)<br />1 The movement of an economy from agricultural activities using simple technology to the production of industrial products and a range of services using modern technology. (Even in the seventeenth century PETTY regarded development as the growth of serv1ce industries.)<br />2 The cumulative growth of per capita income, accompanied by structural and institutional changes. Although per capita income is a crude measure unless problems of measuring the GRoss DOMESTIC PRODUCT and its distribution are taken into account, this is often the best proxy measure. Post-1945 development policies have often failed to help the poorest 40 per cent of the world's population. Although many aid programmes have an urban bias, they have widely achieved lower rates of infant mortality, more hospital beds, an increased supply of piped water and the building of many all-season roads.<br /><em>See also:</em> industrialization <br /><em>Reference</em><br />Kitching, G. (1989) Development and Underdevelopment in Historical Perspective.
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<strong>Release of proceeds</strong> – Delivery of loan proceeds by the school to the borrower. (Note: This term is NOT equivalent to the lender' s process of disbursing funds to the school.)

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08-03-2011 04:42 PM

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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.
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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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Free Trade Area of the Americas (F1) An ambitious proposal to extend NAFTA to encompass all American countries from the Bering Strait to Cape Hom. The area would cover thirty-four countries with a population of 800 million and, in 2000, a joint GDP of $11 trillion.

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08-03-2011 05:08 PM

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<strong>Base year</strong> – For need analysis purposes, the calendar year preceeding the award year.

<strong>Last Date of Attendance (LDA)</strong> – The last day the student was physically present in class, as confirmed by the student' s attendance records. An LDA may also be referred to as an out of school date (OSD) or, if the student completed the program of study, the actual graduation date.

import (F1)<br />The purchase of a good or a service that has been produced by another country. Exports net of imports are included in a COUntry's GROSS DOMESTIC PRODUCT. An ECONOMY at the beginning of an expansionary phase will often increase its imports of raw materials and semi-finished goods. An OPEN ECONOMY Will have a high volume of imports: the smaller or more specialized an economy is, the more it will have to import to satisfy consumers' demand for a wide range of goods and services.<br /><em>See also:</em> export; inter-industry trade; intra-industry trade; marginal propensity to import
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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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08-03-2011 05:34 PM

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<strong>Nelnet</strong> – A for-profit FFEL Program secondary market and servicer that originates, disburses, services, and purchases FFEL Program loans.
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<strong>Fixed rate</strong> – An interest rate that is fixed at the time the loan is obtained (as opposed to a variable rate, which may change at specific times or based on specific indicators). As of July 1, 2006, interest rates on FFEL Program loans are fixed, replacing the variable rate loans that existed prior to that date.
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grants economics (H3)<br />A type of economics examining both twoway transfers (exchanges) and one-way transfers (grants). To understand grants is to be able to comprehend the nature of much of fiscal policy, as it is concerned with providing TRANSFER INCOMES for persons who exchange nothing for them, and of expenditure programmes which create social goods. This type of economics is also useful in the analysis of international aid.<br /><em>Reference</em><br />Boulding, K.E. (1973) The Economy of Love and Fear: A Preface to Grants Economics, Belmont, CA: Praeger.

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08-03-2011 05:59 PM

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search unemployment (J6)<br />FRICTIONAL UNEMPLOYMENT; being without a job during a period of looking for another one. Many workers will endure lower incomes during periods of unemployment in the hope of increasing lifetime earnings. See also: unemployment spell <br /><em>Reference</em><br />Fitzgerald, T.J. (1998) 'An introduction to the search theory of unemployment', Federal Reserve Bank of Cleveland Economic Review, 34: 2-15.

Nash equilibrium (C7)<br />In a game with two players an equilibrium occurs when each strategy of a pair is the best response to the other. Each player uses the highest possible pay-off, given the other player's strategy. This was invented in 1950.

commercial bank (G2)<br />A bank providing a wide range of banking services, including receiving deposits from the public and the making of loans. As a consequence of more competition in the financial sector, these banks have diversified into insurance, mortgage finance and a wide range of business finance, previously the concern of investment/merchant banks alone.<br /> See also: clearing bank; retail bank; wholesale bank <br /><em>Reference</em><br />Ballarin, E. (1987) Commercial Banks amid the Financial Revolution: Developing a Competitive Strategy, London: Harper & Row; Cambridge, MA: Ballinger.

<strong>Nelnet</strong> – A for-profit FFEL Program secondary market and servicer that originates, disburses, services, and purchases FFEL Program loans.

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08-03-2011 06:25 PM

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<strong>Third-party servicer</strong> – In the case of a lender or guarantor, an entity that enters into a contract with a program participant to administer any aspect of its participation in a Title IV program.
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<strong>Financial Aid Administrator (FAA)</strong> – A staff member at an eligible school who administers financial aid programs.
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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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08-03-2011 06:49 PM

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<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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Bordo, M. (1991) Financial Crises, Aldershot: Edward Elgar.<br /> Galbraith, J.K. (1955) The Great Crash, Boston, MA: Houghton Millin. Kindleberger, C.P. (1978) Manias, Panics and Crashes, London: Macmillan; New York: Basic Books.<br /> Kindleberger, C.P. and Laffargne, J.P. (eds) (1982) Financial Crises: Theory, History and Policy, Cambridge: Cambridge University Press.

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08-03-2011 07:12 PM

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<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.

harmonization (E6, FO)<br />The process of aligning government regulations or practices to eliminate differences between parties to an agreement. A major example is the attempt to harmonize taxation within the EUROPEAN UNION.

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input-output analysis (Cl, LO)<br />A tabular summary of the flows of goods and services between industries and the final demand of an economy with the output of each sector being the inputs of other sectors (see typical table below). The technology of the economy determines the ratios (or coefficients) of each input to the output it helps to produce. In the case of inter-industry trade, institutional factors, including custom, will determine the input-output ratios for the household sector. The static version of input-output analysis can be solved by ordinary linear equations; the dynamic version (which includes, as well as flows, stocks of goods and fixed capital) uses linear difference equations for its solution. The pioneer of the technique, LEONTIEF, first produced an input-output table for the US economy in 1936, although QUESNAY produced a flow table for the French economy in 1758.<br /> In its static form, this analysis shows how much the n industries of an economy have to produce to satisfy the total demand for each particular product. It is assumed that in each industry there are constant returns to scale, a fixed inputoutput ratio and a homogeneous product. The model is 'open' if there are both n industries and a sector, e.g. households, which exogenously determines final demand; it is closed if the model shows relationships only between the n industries. Simultaneous equations are used to determine the inputs required for final demand to be satisfied. Dynamic versions of inputoutput analysis can take into account time lags in production, the adjustment of output to excess demand and the accumulation of inventories and fixed capital.

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08-03-2011 07:37 PM

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Federal Savings and Loan Insurance Corporation (G2)<br />Founded in 1934 to insure shareholders in federal savings and loan associations (THRIFTS). Its overseer is the FEDERAL HOME LOAN BANK BOARD. It insures savings up to $100,000 in amount and is financed by the premiums paid by insured financial institutions and by interest received on its own investments. It is also authorized to
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<strong>Leave of Absence (LOA)</strong> – An approved leave of absence is a 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.

gold market (G1)<br />The market with official and private dealings in gold coin and bullion. In March 1968, US monetary authorities persuaded European authorities to separate private and monetary gold markets, creating a two-tier market. The USA wanted South Africa to sell all its gold to the private market so that the price would come down to $30 or $32 to shake central banks' confidence in gold. However, world inflation made gold a popular private holding and so its price approached $70 by mid1972; by September 2001 the price had exceeded over $290. The London Gold Market was run by five firms since 1919, namely N.M. Rothschild, Samuel Montagu, Mocatta and Goldsmid, Sharps, Pixley and Westpac (formerly Johnson Matthey Bankers). Internationalization of financial markets brought about proposals to admit foreign traders. There is now the London Bullion Market Association with seven clearers.
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<strong>Institutional aid</strong> – Financial aid programs created, funded, and administered by any given postsecondary institution.

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08-03-2011 08:01 PM

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<strong>Participation agreement</strong> – Agreement with the MDHE that permits a school to participate in the state student assistance programs.
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<strong>MODEL Direct</strong> – A web loan delivery product offered by the MDHE and developed by ASA, the MDHE' s servicer. MODEL Direct allows schools and lenders to inquire on loans or borrowers, submit change transactions, manage files, and guarantee new loans within a real-time environment. See http://www.dhe.mo.gov/model.shtml for more information.
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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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