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<strong>MODEL</strong> – Missouri Direct for Educational Loans, the MDHE' s system used to guarantee and track FFEL Program loans and borrowers.
<strong>Lender</strong> – A lender in the FFEL Program may be a national or state chartered bank, a mutual savings bank, a credit union, an insurance company, or other entity that provides the actual student loan funds to schools and borrowers.
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<strong>Late conversion</strong> – The scheduling of a FFEL Program borrower' s first payment due date beyond the normal regulatory time limits.
indifference curve (DO)<br />A curve representing many combinations of two goods, all of which give the consumer the same level of UTILITY. As Good 8 each combination renders the same utility, the consumer is 'indifferent' as to which bundle of goods to choose. The curves further from the origin represent higher levels of utility. Indifference curves must not intersect for otherwise two different levels of utility are represented at the point of intersection (X in the figure). Also there is inconsistency as combination C is preferred to combination A and combination B to combination D.
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