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<strong>BBAY</strong> – Borrower-based academic year, an academic year which deviates from the standard definition and is often used by technical or vocational schools or within non-traditional programs of study. A BBAY is individualized for each borrower and generally covers a period of time during which the borrower completes at least a certain number of credit hours.
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<strong>Reallocation</strong> – A change transaction performed when a student' s eligibility changes, requiring an increase (or decrease) in the subsidized portion of a Stafford Loan and a corresponding decrease (or increase) in the unsubsidized portion. Within CommonLine file specifications, reallocations are requested by submitting the CTSF @1-13 and @1-14 transactions.
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