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<strong>Deferment</strong> – 1) A period of time during repayment in which the borrower, upon meeting certain conditions, is not required to make loan principal payments. For a subsidized Federal Stafford Loan, the loan is also eligible for a federal interest subsidy during periods of deferment. For an unsubsidized Federal Stafford, PLUS, or Grad PLUS Loan, the borrower is responsible for the interest during periods of deferment. In this case, the interest may either be paid or may be accrued and capitalized onto the principal amount. 2) For the Bright Flight program, a student may be eligible for a deferment of eligibility for up to 27 continuous months for participating in a student exchange program, service to a non-profit organization, service or active duty in the armed forces, and for medical reasons.

Premium Savings Bond (E2)<br />A form of national savings introduced in the UK in 1956: there are monthly prizes of up to ?1 million instead of the payment of interest to all bondholders. They are redeemable on demand.

<strong>Estimated Financial Assistance/Aid (EFA)</strong> – A school' s estimation of the amount of financial aid for which the student is eligible during any given enrollment period. EFA may include loan, grant, or scholarship aid from federal, state, institutional, or other sources.

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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