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M3c (E4)<br />STERLING M3 plus private sector holdings of foreign currency bank deposits ('c' refers to the currency assets included).
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<strong>ISIR</strong> – Institutional Student Information Record, the electronic output record provided to the school by the CPS that includes information provided by the student on the FAFSA. The ISIR contains the student' s EFC and the results of federal database matches.
<strong>Direct lending, or direct loan</strong> – The William D. Ford Direct Loan Program, a federal student loan program through which the U.S. Department of Education loans money directly to students and parents rather than having the loans funded by private lenders, as in the case of the FFEL Program. Direct lending is codified in federal regulations within 34 CFR 685.
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