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<strong>PPA</strong> – Program Participation Agreement with the U.S. Department of Education that permits a school to participate in the Title IV federal student financial aid programs.
<strong>ELM</strong> – A non-profit mutual benefit company formed and owned by its lender, servicer, and guarantor members. ELM provides software for FFEL Program and private loan processing and CommonLine file exchange.
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wage rate knowing little of the employer's position; the employer will gradually increase his or her offer to avoid a costly strike.<br /> <br /><em>Reference</em><br /> Hicks, J.R. (1963) The Theory of Wages, ch. 7, London: Macmillan; New York: St Martin's Press.
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