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de-industrialization (L6)<br />The decline of a country's manufacturing industry absolutely or relatively. This fall in manufacturing activity is most noticeable in employment, but a slower rate of growth, or even a fall, in output and a fall in the world share of trade in manufactures also measure this change. Most OECD countries have experienced de-industrialization in the past twenty years as economic activity has switched from manufacturing to service industries. Marxist economists
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<strong>MSLG</strong> – Missouri Student Loan Group, the division of the MDHE which administers the FFEL Program.
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Brundtland Report (QO)<br />The 1987 report of the World Commission on Environment and Development which recommended that THIRD woRLD development projects should take into account environmental issues such as the destruction of forests and excessive farming which ruins agricultural land for a long time.<br /><em>Reference</em><br />World Commission on Environment and Development(l987) Our CommonFuture, Oxford: Oxford University Press.
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<strong>Full Time (FT)</strong> – An enrollment status indicating the student is carrying a full academic workload as determined by the school.

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debt (GO, M2)<br />The liabilities of a firm, a government or a household. A company's debt often takes the form of fixed interest DEBENTURES, cumulative non-voting preference shares and short-term bank loans. A government has BILLS as short-term debt and long-term debt issued as BONDS. A household's debts include bank loans and liabilities incurred to purchase property and consumer durables.
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<strong>Cure</strong> – Reinstatement of a loan' s guarantee upon completion of a prescribed series of loan collection activities. Also defined as the process by which the loan' s guarantee is reinstated.
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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.
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<strong>Aggregate loan limit</strong> – The borrower' s maximum allowable unpaid principal amount throughout the student' s academic career. Capitalized interest or any collection costs that may have been added to the principal balance are not included in the borrower' s aggregate loan limit.
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<strong>USCIS</strong> – U.S. Citizenship and Immigration Services, a division of the Department of Homeland Security (DHS). On March 1, 2003, the DHS absorbed the former federal agency, Immigration and Naturalization Service (INS) and renamed it the USCIS.

Katona effect (E2)<br />The effect of creeping inflation on saving. Katona argued that in such inflationary times there would still be expectations of rising real incomes so individuals would continue to invest in fixed interest securities: the rate of inflation would be sufficiently low for money still to be regarded as 'safe'. In times of runaway inflation, there would be scare buying and hoarding of goods.<br /><em>Reference</em><br />Katona, G. (1960) The Powerful Consumer: Psychological Studies of the American Economy, ch. 12, New York: McGrawHilL

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investment appraisal (M2)<br />The calculation of the prospective return to an investment project with a view to ascertaining whether it is worthwhile. The different methods used by firms include calculating the RATE OF RETURN, THE DISCOUNTED CASH FLOW and the NET PRESENT VALUE. Large-scale investments in the public sector often make use of coST BENEFIT ANALYSIS.<br /><em>Reference</em><br />Lumby, S. (1982) Investment Appraisal and Related Decisions, Wokingham: Van Nostrand Reinhold.<br /> Merrett, A.J. and Sykes, A. (1986) Capital Budgeting and Company Finance, London and Harlow: Longman.

<strong>IFAP</strong> – Information for Financial Aid Professionals, an electronic library (www.ifap.ed.gov) provided by the U.S. Department of Education which includes publications and regulations for the federal student aid programs.
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home banking (G2)<br />The use of banking facilities at home by means of a computer linked to the main computer of a particular bank. Each home, in a sense, becomes a personalized branch of the single bank. Home banking was first offered by the Nottingham Building Society (UK) in November 1983, and then by Australia's Commonwealth Banking Corporation. By September 1984, seventy-one US banks and other financial institutions offered such a facility. In France, fifty banks offer the limited service of transmission of bank statements to home television sets. This service is attractive to banks for it is a cheaper method of expansion for a geographically concentrated bank than the opening of new branches.

budget incidence (H2, H5)<br />The total effect on a household of the taxation and expenditure policies of a government.<br /><em>See also:</em> tax incidence

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balloon payment (GO)<br />An additional and large charge levied at the end of a lease or loan. bancor (F3)<br />An international currency proposed by KEYNES at BRETTON WOODS as part of his INTERNATIONAL CLEARING UNION scheme. It was hoped that this new currency would be the medium for settling intercountry indebtedness. As Keynes's recommendation was not accepted, the US dollar assumed the role designed for bancor.
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country, or part of it, which make economic and social activities possible by providing transportation, public health and education services and buildings for community activities. Railways, airports, hospitals, schools, roads, sewerage systems and reservoirs constitute the major types of social capital. Although in the nineteenth century many of these were financed privately (e.g. the railways), after 1945 in many countries most infrastructure investment has been the responsibility of the public sector. Countries with the poorest infrastructures are either those with low per capita incomes, i.e. the less developed countries, or those with governments practising LAISSEZ-FAIRE policies which seek to minimize the role of the state.

<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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