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08-07-2011 04:26 AM

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<strong>Default Aversion Assistance (DAA)</strong> – Assistance provided to a lender by the guarantor in order to prevent a delinquent loan from defaulting.
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one hundred per cent reserve banking (G2)<br />A form of banking which maintains a bank's total volume of deposits (liabilities) equal to reserve assets. Under this system, a bank is unable to make advances through credit creation. Although such banking can resist RUNS oN A BANK, it makes little profit through not holding illiquid bills, bonds and loans.<br /><em>See also:</em> Fisher; fractional reserve banking
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<strong>GP</strong> – Guarantee and Print, a type of application process flow within the FFEL Program and outlined in CommonLine file specifications. In a “GP” process flow, the school submits loan application information to the guarantor for guarantee. After the loan is guaranteed, either a paper MPN is mailed to the borrower for completion or the application is made available online for the borrower to complete and sign.

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08-07-2011 04:52 AM

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fiscal union (H2)<br />A group of separate countries, or states within them, subject to the same taxing and spending authority. These unions provide mutual insurance and ECONOMIES OF SCALE in the provision of PUBLIC GOODS. There is a greater chance of redistribution the greater the geographical scope of the union, but a large union is likely to create more taxpayer discontent as it is difficult to aggregate the preferences of a great range of people. fiscal year (H3)<br />The twelve-month period chosen by a government or a business organization for accounting purposes. In 1974 the starting date for the US government's fiscal year was changed from 1 July to 1 October, partly to enable US Congressional appropriations to be made by the start of the fiscal year.
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one-bank holding company (G2)<br />US corporation with only one banking subsidiary other subsidiaries which can be engaged in activities prohibited to banks.

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economic integration (FO)<br />The joining together of economic activities, especially the trade of several countries. This can take different forms, including FREE-TRADE AREAS, CUSTOMS UNIONS, COMMON MARKETS and federations of national economies. Different forms of integration can be distinguished by the extent to which individual national governments retain independence in decision making.<br /><em>See also:</em> European Monetary System
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08-07-2011 05:18 AM

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Reciprocal Trade Agreements Act 1934 (F1)<br />US federal trade statute of the Roosevelt Administration that attempted to undo the PROTECTIONISM of the SMOOT HAWLEY TARIFF ACT by authorizing the president to negotiate bilateral, reciprocal trade agreements to reduce the tariffs introduced in 1930. The US Congress repeatedly voted three-year extensions of the powers under this Act.
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<strong>Gift aid</strong> – Financial aid that does not have to be repaid, including grants and scholarships.
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Organization for European Economic Co-operation (FO)<br />An international organization founded in 1948 to administer US aid to the eighteen West European countries benefiting under the Marshall Plan. Its principal achievements were the creation of the European Monetary Agreement in 1956, its organization of the negotiations which established the EUROPEAN COMMUNIIT and its contribution to trade liberalization. The ORGANIZATION FOR ECONOMIC CO-OPERATION AND DEVELOPMENT SUCCeeded it in 1961.

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08-07-2011 05:41 AM

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percentile (C1)<br />A value obtained by dividing data arranged in order of magnitude into 100 equal parts. The first percentile, for example, shows that value below which 1 per cent of the values of a variable lie. The LOWER QUARTILE is the 25th percentile; the MEDIAN is the 50th percentile; the UPPER QUARTILE is the 75th percentile.<br /><em>See also:</em> decile; median
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<strong>GP</strong> – Guarantee and Print, a type of application process flow within the FFEL Program and outlined in CommonLine file specifications. In a “GP” process flow, the school submits loan application information to the guarantor for guarantee. After the loan is guaranteed, either a paper MPN is mailed to the borrower for completion or the application is made available online for the borrower to complete and sign.

real wages (J3)<br />1 Money wages adjusted for inflation. Real wages can only increase if money wages rise faster than inflation.<br /> 2 The amount of goods and serv1ces a money wage can purchase.
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08-07-2011 06:07 AM

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<strong>Reaffirmation</strong> – A borrower' s acknowledgment of a loan repayment obligation, including all principal, interest, and other costs, in a legally binding manner.

<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.
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08-07-2011 06:35 AM

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stakeholder (GO, M1)<br />1 A person with an interest in a business, a fund or a community. The interest can arise from financial investment, employment or citizenship.<br /> 2 A member of society aware of collective obligations and freedoms.<br /> 3 A trustee of society balancing the interests of one group against another.<br /> 4 A person relying on shared values and co-operative behaviour opposed to INDIVIDUALISM.<br /><em>Reference</em><br />Plender, J. (1997) A Stake in the Future.<br /> The Stakeholding Solution, London: Nicholas Brealey.

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balance of payments (F4)<br />1 Credits and debits in international transactions 2 The record of the transactions between the residents of one country and the rest of the world in a given time period. The balance of payments is divided into a current account which records trade in goods and services and a capital account. In accounting terms the balance of payments always 'balances', as a surplus or deficit has to be offset by loans granted or received, but the balance does not indicate whether there is an equilibrium between a domestic economy and rest of the world demand. A balance of payments may be in deficit in the 'STOCK' sense of a country switching from cash balances into stocks of commodities, or in the 'FLOW' sense of a country spending more than its income, a more serious type of deficit. There have been changes in the presentation of the UK balance of payments accounts. Before 1970, the equation used was visible + invisible balance = current balance + balance of long-term capital = basic balance + balancing item + balance of monetary movements =0. From 1970 to 1980, it was visible + invisible balance = current balance + balance of private and other autono- mous capital flows + balancing item =total currency flow+ allocation of special drawing rights - gold subscription to the IMF + total official financing = 0.After 1980, it has been visible + invisible balance = current balance + total investment and other capital transactions + balancing item + allocation of special drawing rights - gold subscription to the IMF = total official financing + methods of financing =0 The US balance of payments consists of: exports of goods and services + transfer of goods and services under US military grants netimports of goods and services US military grants of goods and services netunilateral transfers (excluding military grants) net US assets abroad net (increase/capital outflow) + foreign assets in the USA net (increase/ capital inflow) + allocations of special drawing rights + balances of the above subaccounts.<br /><em>See also:</em> accounting balance of payments; balance of payments equilibrium; fundamental equilibrium; market balance of payments<br /><em>Reference</em><br />Central Statistical Office (annual) UK Balance of Payments, London: HMSO. <br />Stem, R.M. (1973) The Balance of Payments, London: Macmillan.<br /> Thirlwall, A.P. (1986) Balance of Payments Theory and the United Kingdom Experience, London: Macmillan.

<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.
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08-07-2011 07:02 AM

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

<strong>MODEL Gateway</strong> – A web loan delivery product developed by ASA, the MDHE' s servicer, to allow schools to process loan applications and changes with guarantors other than the MDHE.

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08-07-2011 07:32 AM

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<strong>National credit bureau</strong> – A credit reporting agency with a service area encompassing more than a single region of the country. Examples of national credit bureaus include TransUnion and Equifax.

<strong>CB</strong> – The abbreviation for Campus-Based aid. Campus-based aid programs include Federal Work Study (FWS), the Federal Perkins Loan Program, and the Federal Supplemental Educational Opportunity Grant (FSEOG). “CB” also indicates a type of Dear Colleague Letter specifically addressing campus-based aid programs.
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<strong>Delinquency</strong> – A period that begins on the day after the due date of a loan payment when the borrower fails to make the equivalent of at least one full payment.
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<strong>File Transfer Protocol (FTP)</strong> – A standard internet protocol that allows the transmission of data files.
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08-07-2011 07:57 AM

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<strong>Federal Default Fee (FDF)</strong> – A loan program fee required by the Deficit Reduction Act of 2005 to offset the risk of default and its subsequent costs. All Stafford and PLUS Loans guaranteed on or after July 1, 2006 must be assessed a one percent default fee. The fee either must be deducted from the borrower' s loan proceeds at the time of disbursement or paid by a third party from other non-federal sources (such as by a lender or servicer). Also referred to as DFee.

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point elasticity (C1, DO)<br />The responsiveness of quantity demanded or supplied to an infinitely small price change. It is calculated, using differential calculus, as the product of two ratios. <br /><em>See also:</em> arc elasticity; elasticity

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08-07-2011 07:58 AM

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08-07-2011 08:23 AM

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reciprocal demand law (F1)<br />A refinement of the law of coMPARATIVE ADVANTAGE used to determine the TERMS OF TRADE between countries according to the relative demand measured in the amount of goods offered for the goods of another country. John Stuart MILL, in his first essay of his collection Essays on Some Unsettled Questions of Political Economy (1844), and TORRENS refined RICARDIAN international trade theory in this way.

<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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<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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economic anthropology (A1)<br />The study of socioeconomic organizations. In succession to the classical political economy of QUESNAY, SMITH, RICARDO and MARX that traced the economic consequences of human nature, it has examined economic behaviour. VEBLEN used an anthropological approach in his distinctive INSTITUTIONAL ECONOMICS. Increasingly economic anthropologists have studied nonmarket economic institutions.<br /> <br /><em>Reference</em><br />Gregory, C.A. (1982) Gifts and Commodities, London: Academic Press.<br /> North, Douglass C. (1990) Institutions, Institutional Change and Economic Performance, Cambridge: Cambridge University Press.

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08-07-2011 08:50 AM

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<strong>FAA</strong> – Financial Aid Administrator, a staff member at an eligible school who administers financial aid programs.
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goal variable (E6)<br />A policy objective forming part of the objective utility function of a policy-maker, e.g. price stability, a balance of payments equilibrium.<br /><em>See also:</em> instrument variable; target variable

<strong>National of the U.S.</strong> – As defined by the Immigration and Nationality Act, a U.S. citizen or a noncitizen who owes permanent allegiance to the United States. This term includes all U.S. citizens as well as the citizens of American Samoa and Swain' s Island. Also referred to as U.S. National.
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08-07-2011 09:16 AM

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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.

money-purchase pension (G2)<br />A pension with fixed contributions but benefits related to the state of the financial markets in which the fund's assets are invested.
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American option (G1)<br />An OPTION that can be activated before its expiry date.
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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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08-07-2011 09:42 AM

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<strong>Discharge</strong> – The release of a borrower or any comaker from all or a portion of his or her loan obligation. Valid reasons for discharge include school closure, death, total and permanent disability, an unpaid refund by the school, or the school' s false certification of a FFEL Program loan.

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<strong>Cost of Attendance (COA)</strong> – An estimate of a student' s total education-related expenses for an enrollment period.

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endogenizing the exogenous (E1)<br />The inclusion in an economic model of something previously regarded as given. Classical economists, for example, regarded FULL EMPLOYMENT as given, whereas KEYNES included it as a variable in his model of the national economy. Expectations were often regarded as given but now many economic models include them.<br /><em>See also:</em> endogenous variable; exogenous variable

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conversion (G1)<br />Replacing one kind of stock market security with another. Major types of conversion occur when an equity replaces a debenture, or a dated government bond is replaced by an undated one.
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deep integration (F1)<br />An association of national economies going beyond FREE TRADE to a harmonizing of national economic regulations. Increasingly the EUROPEAN UNION has pursued this course to realize its original objectives.

<strong>Application</strong> – 1) The paper form or the information provided online/electronically to initiate a FFEL Program loan. Electronic versions of the application include MODEL Direct, CommonLine application send files, etc. 2) An eligibility determination for the state student assistance programs administered by the MDHE.
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08-07-2011 11:02 AM

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<strong>Late Stage Delinquency Assistance (LSDA)</strong> – Refers to procedures followed by Student Loan Counseling Services (SLCS) when a loan is 241 days delinquent or more. The MDHE contracts with SLCS for default aversion assistance services.

commercial paper (G1, M2)<br />A form of short-term company borrowing,
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equate planned spending with actual output, assuming that interest rates maintain the money market in equilibrium.
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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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08-07-2011 11:02 AM

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