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<strong>Treasury Offset</strong> – The withholding of a borrower' s federal Treasury payments, such as federal tax refunds, veteran' s benefits, and social security benefits, to repay a defaulted student loan.

Nash, john Forbes, 1928- (B3)<br />Born at Bluefield, West Virginia, he was educated at Carnegie and Princeton Uni- versttles. He taught in the 1950s at the Massachusetts Institute of Technology until mental illness caused his retiral; later he was a visiting scholar at the Institute for Advanced Study, Princeton University. An economist and mathematician who is famous for distinguishing co-operative from non-co-operative games and formulating the Nash equilibrium. In 1994 he shared the NOBEL PRIZE FOR ECONOMICS with HARSANYI and SELTEN for his contribution to games theory.<br /><em>Reference</em><br />Nasar, S. (1998) A Beautiful Mind, London: Faber and Faber.<br /> Nash, J.F. (1951) 'Non-cooperative games', Annals of Mathematics 54: 286-95.
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<strong>INS</strong> – The U.S. Immigration and Naturalization Service. On March 1, 2003, the INS transitioned into the Department of Home Security (DHS) and was renamed the U.S. Citizenship and Immigration Services (USCIS).
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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>Add Loan</strong> – Application processing feature within MODEL Direct. The Add Loan process provides a realtime guarantee for loan applications.

dual economy (PO)<br />A national economy consisting of a rich modem sector and a poor traditional sector. Originally this term was used to describe many colonial economies after the Second World War.<br /><em>Reference</em><br />Boeke, J.H. (1953) Economics and Economic Policy of Dual Societies, as Exemplified by Indonesia, New York: Institute of Pacific Relations.
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<strong>Repayment start date</strong> – the date the repayment period begins. For Stafford Loans, the repayment period begins on the day following the last day of the grace period. For PLUS Loans, repayment begins on the date the loan is fully disbursed. (PLUS Loans are, however, eligible for an in-school deferment when the borrower is enrolled at least half time.)
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hierarchical decomposition principle (L2)<br />An analysis of an organization into a vertical slice of operating activities and a horizontal slice of strategic planning corresponding to the lower and higher parts of the hierarchy.<br /><em>Reference</em><br />Simon, H.A. (1962) 'The architecture of complexity', Proceedings of the American Philosophical Society 106 (December): 467-82.<br /> - (1973) 'Applying information technology to organization design', Public Adminstration Review 33 (May-June): 268-78.
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Regulation K (E5, G2)<br />A regulation of the US FEDERAL RESERVE SYSTEM governing the international banking operations of US commercial banks. It is reviewed every five years to ensure that these banks remain internationally competitive.
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<strong>Application Send File</strong> – The CommonLine file type used to send application information to guarantors and/or other entities so that FFEL Program loans may be guaranteed and disbursed.
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<strong>Repayment start date</strong> – the date the repayment period begins. For Stafford Loans, the repayment period begins on the day following the last day of the grace period. For PLUS Loans, repayment begins on the date the loan is fully disbursed. (PLUS Loans are, however, eligible for an in-school deferment when the borrower is enrolled at least half time.)
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company union (J5)<br />A TRADE (LABOR) UNION dependent on the company which approves it. Only the employees of that company are permitted to be members. In the nineteenth and twentieth centuries, especially in the USA, organized labour objected to these ######## umons. ities which they perform relatively better. From its first enunciation in 1815 by TORRENS, this principle has stated that a country's pattern of production and international trade and specialization are determined by its relative efficiency in producing goods. This approach advances Smith's doctrine of ABSOLUTE ADVANTAGE, which was a simple extension of his DrvisION OF LABOUR principle. Torrens and RlCARDO argued that even if country A were more productive in every agricultural and industrial activity than country B, trade would still take place if internal production cost ratios were different from country to country. Although this advanced international trade theory, it was later criticized for assuming constant costs, ignoring transport costs and for not determining the ratio at which exchange would take place. John Stuart MILL, with his LAW OF RECIPROCAL DEMAND, completed the theory by establishing the actual exchange rate resulting from trade.<br /> Ricardo's example of trade in cloth and wine between England and Portugal states that to produce a given amount of each commodity the following amounts of labour are required in each country:<br /><em>See also:</em> enterprise union; sweetheart contract; truck England Portugal
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planning, programming, budgeting (H6, M2)<br />A budgetary system evaluating expenditure programmes in their entirety by taking into account the total effects of them, using COST BENEFIT ANALYSIS. This system, introduced into the US Department of Defense in the early 1960s, was extended to other US Departments in 1965.<br /><em>See also:</em> cost-effectiveness analysis <br /><em>Reference</em><br />Harberger, A.C. (1982) Project Evaluation: Collected Papers, London: Macmillan.
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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.

<strong>Mastercheck</strong> – A single paper check issued from a lender or disbursing agent that includes funds for multiple FFEL Program borrowers.

<strong>Title IV</strong> – The section of the Higher Education Act of 1965, as amended, that authorizes federal student loan, work, and grant programs.
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<strong>FISAP</strong> – Fiscal Operations Report and Application to Participate in the federal campus-based aid programs. Information about the FISAP, instructions, and the actual form may be found at: http://www.cbfisap.ed.gov/CBSWebApp/welcome.jsp.
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<strong>Capitalized interest</strong> – Accrued interest that is periodically added to a loan' s principal balance. Interest accrues on a subsidized Stafford Loan after the grace period is completed and the borrower enters repayment. For unsubsidized Stafford, parent PLUS, and Grad PLUS Loans, on the other hand, interest begins to accrue after the first disbursement of the loan. Lenders may capitalize any accrued interest on a quarterly basis or at other scheduled time frames.

<strong>Forbearance</strong> – A period of time during which the borrower is permitted to temporarily cease making loan payments or to reduce the amount of the payments. The borrower is responsible for all interest that accrues during the forbearance period, for all loan types.
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<strong>Regulation B</strong> – 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.

downsizing (J6)<br />Reducing the size of a labour force by making workers redundant. A term particularly applied to the staff reductions made by securities houses after 1987.<br /><em>See also:</em> Big Bang

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junk bond (GO)<br />High-yielding, high-risk bonds rated below the investment grades assigned by the top US bond CREDIT RATING agencies Standard & Poor and Moody's. Although the risk of default is great, their high yield has made them very popular. Also, they have provided a vehicle for entrepreneurs to take over slumbering corporations. Junk bonds first made their appearance in the USA in the 1920s; by 1990 over $200 billion in 1,000 issues of these securities were outstanding. Such bonds have enabled non-blue-chip US corporations to raise very large sums of money, originally through the principal broker Drexel Bumham Lambert, which handled half of such new issues until its collapse in 1990. Investors willing to buy them included specialized MUTUAL FUNDS, the US government, insurance companies and SAVINGS AND LOANS ASSOCIATIONS. An effect of the junk bond has been to draw to the attention of COMMERCIAL BANKS the need for more finance for small firms.<br /><em>See also:</em> blue chip <br /><em>Reference</em><br />Rubin, S.M. (1990) Junk Bonds: After the Crises, London: Euromoney.<br /> Yago, G. (1991) Junk Bonds: How High Securities Restructured Corporate Finance, New York: Oxford University Press.

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backwardation (G1)<br />1 The charge made on a stock exchange for carrying the settlement of a BARGAIN into the next accounting period.<br /> 2 In commodity markets, it is the amount by which a SPOT PRICE and the cost of carrying a commodity over time exceeds the forward price. The opposite is coNTANGo. effect (the effect of an increased wage rate that a given income is reached with fewer hours of work - in the figure, beyond point A higher real wage discourages workers from supplying more hours of work). A negative income effect greater than zero or a positive substitution effect will produce the backward bend in the labour supply curve.
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local labour market (J4)<br />A geographical market which brings together buyers and sellers within a given area, often defined as a journey-to-work area in which employers and workers are in close contact with each other. CLASSICAL ECONOMISTS, following SMITH'S celebrated discussion of WAGE DIFFERENTIALS, believed that the free movement of workers in response to wage differentials would bring about an equalization of the net advantages of employment. Labour economists believe that there are fewer market imperfections, especially of an informational kind, in these local markets than in other labour markets. However, the conflict between INTERNAL and EXTERNAL LABOUR MARKETS has made it more difficult to see local markets of this kind functioning in a classical manner. Also, the concept applies mostly to markets for less skilled workers. Managerial and professional workers consider themselves participants in the wider national and international labour markets.<br /><em>See also:</em> labour market; labour mobility <br /><em>Reference</em><br />Robinson, D. (ed.) (1970) Local Labour Markets and Wage Structures, London: Gower.<br /> Smith, A. (1776) The Wealth of Nations, ed. R.H. Campbell and A.S. Skinner, Book 1, ch. 10, Oxford: Clarendon Press, 1976.
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collectivization of agriculture (N5)<br />The reorganization of a country's agriculture into state farms thereby depriving peasants of landownership and management. Collectivization in the USSR was introduced in 1929 but was not implemented in a major and systematic way until the 1930s: it was accompanied by much resistance and a famine which killed millions. Subsequently, other countries following the principles of Marxist-Leninism have attempted draconian changes of this kind, e.g. Mao's China and Ethiopia.

<strong>SF</strong> – Within CommonLine file specifications, loan type code used to indicate a subsidized Federal Stafford Loan.

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Gastarbeiter (F2)<br />German word for GUESTWORKER.

<strong>Income-contingent repayment schedule</strong> – A repayment schedule for some Direct Loans under which the borrower' s monthly payment amount is adjusted annually, based on the borrower' s income, family size, and debt amount.

replacement cost (M4)<br />The current value of an asset measured by how much it would cost to be replaced. This is a more accurate measure of the value of an asset than HISTORIC coST.

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<strong>Financial Aid Transcript (FAT)</strong> – An official record of federal financial aid a student has received at schools the student previously attended.
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<strong>Realtime</strong> – A system requirement that a program respond within a small amount of time, typically mili- or microseconds. In jargon, refers to doing something while someone is waiting or watching. The MDHE' s web loan delivery product, MODEL Direct, is a realtime product providing data directly from the MDHE' s FFEL Program database. Change transactions are also sent and posted realtime via MODEL Direct. The MDHE' s FAMOUS system is also a realtime product for administering the state grant and scholarship programs.

<strong>Notice of Loan Approval (NOLA)</strong> – A paper copy of the MDHE' s loan guarantee statement which schools may receive if profiled for this service.

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<strong>Academic Competitiveness Grant (ACG)</strong> – A new federal grant available as of July 1, 2006. Eligibility for this grant is based on high school academic performance as well as financial need. More information is available at: http://studentaid.ed.gov/PORTALSWebA...sp?tab=funding.

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<strong>In-school status</strong> – Occurs when a Stafford Loan borrower is enrolled in school at least half time, the grace period has not yet been used, and the borrower has not yet entered repayment. If the borrower returns to school before the grace period is fully used, the borrower continues to qualify for in-school status. Also be referred to as the “interim status.”

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<strong>Endorser</strong> – A signer of a promissory note who is secondarily liable for a loan obligation. A lender may require a PLUS applicant with adverse credit history to obtain a creditworthy endorser in order to receive the loan.
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proto-proletariat (I3)<br />The very poor who scrape a living in the informal TERTIARY SECTOR. In a sense, they live like refugees.<br /><em>See also:</em> low pay; poverty
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preference falsification (DO)<br />The expression in public of preferences different from private preferences.<br /> <br /><em>Reference</em><br />Kuran, T (1995) Private Truths. Public Lies.<br /> The Social Consequences of Preference Falsification, Cambridge, MA: Harvard University Press.

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balanced budget (H6)<br />A government budget which equates revenue with expenditure. This prudent approach to fiscal policy long advocated by conservative finance ministers has frequently been attacked by KEYNESIANS who rega rd it as an inflexible rule which ignores the levels of aggregate demand and unemployment. A government surplus will increase public sector saving; a government deficit will require borrowing. However, unbalanced budgets could result in CROWDING ouT or long-term insolvency of a country (if the national debt is financed at a rate of interest in excess of the country's rate of growth) or inflation (if a country increases its money supply to finance its borrowing).

<strong>LLR</strong> – Lender of Last Resort, a student loan lender that agrees to make Stafford Loans to qualified students, regardless of the type of school, school' s CDA, etc. The MDHE offers an LLR program for Missouri students.

<strong>HT</strong> – Half Time, 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.
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<strong>HACU</strong> – Hispanic Association of Colleges and Universities.
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General Agreement on Tariffs and Trade (F1)<br />A multilateral trade agreement signed in 1947. It covers all major trading countries with the exceptions of the Soviet republics and China. It was originally intended to be part of the International Trade Organization, a body intended to police international transactions, and, together with the INTERNATIONAL MONETARY FUND and the woRLD BANK, constituted a new international economic system. As the INTERNATIONAL TRADE ORGANIZATION was never established, the General Agreement on Tariffs and Trade remains as a treaty. Under Article 1, each contracting party to the agreement pledged to offer most favoured nation treatment to the others; Article 3 challenged trade discrimination by requiring contracting parties to charge only domestic taxation on imports from treaty partners; Articles 11 to 15 stated that quantitative restrictions on imports were permitted, after consultation, for balance of payments reasons. Trade has gradually been liberalized in a number of rounds of negotiations.<br /> Most disputes between members have been solved, with the exception of the problem of the subsidization of agricultural products. But it can be argued that the continued existence of voLUNTARY EXPORT RESTRAINTS and deals such as market sharing have retained PROTECTION in a modem guise.<br /><em>See also:</em> Dillon Round; Kennedy Round; Tokyo Round; Uruguay Round; World Trade Organization<br /><em>Reference</em><br />Hoekman, B.M. and Kostecki, M.M. (1995) The political economy of the world trading system: from GATT to WTO, Oxford and New York: Oxford University Press.<br /> Oxley, A. (1990) The Challenge of Free Trade, Hemet Hempstead: Harvester Wheatsheaf

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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>Title IV</strong> – The section of the Higher Education Act of 1965, as amended, that authorizes federal student loan, work, and grant programs.

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<strong>Title IV</strong> – The section of the Higher Education Act of 1965, as amended, that authorizes federal student loan, work, and grant programs.
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<strong>MSGP</strong> – Missouri Student Grant Program. Original name for the Charles Gallagher Student Financial Assistance Program, which was discontinued after the 2006-07 academic year and replaced by Access Missouri on August 28, 2007.
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footloose knowledge (03)<br />Technical knowledge not specific to any production process and which is interchangeable between industries.<br /><em>See also:</em> locked-in knowledge
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bargaining unit (15)<br />The group of US workers represented by a labour union. The rules for the boundaries of the unit have been devised by the NATIONAL LABOR RELATIONS BOARD under the provision of the WAGNER and TAFT HARTLEY ACTS with a view to making them homogeneous units which reflect local needs and further COLLECTIVE BARGAINING.
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M3c (E4)<br />STERLING M3 plus private sector holdings of foreign currency bank deposits ('c' refers to the currency assets included).

exit-voice (DO)<br />A distinction used to classify the physical or verbal methods individuals use to reveal their preferences. 'Voice' can take the form of voting (as in democratic politics) or complaints (as under grievance procedures); 'exit' is movement away from a less desired situation, e.g. a particular employment, region or country. 'Exitvoice' can be applied to collective or individual choice.<br /><em>See also:</em> Tiebout hypothesis <br /><em>Reference</em><br />Hirschman, A.O. (1970) Exit, Voice and Loyalty: Responses to Decline in Firms, Organizations and States, Cambridge MA: Harvard University Press.

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