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<strong>Certification</strong> – The act of attesting that something is true or meets a certain standard. 1) Within the FFEL Program, the school certifies each borrower' s student loan, attesting to the fact that required eligibility criteria have been met, such as need. 2) Within the state student assistance programs administered by the MDHE, the school certifies each student' s eligibility and at the same time requests funds.

<strong>Verification</strong> – A school' s procedure for checking the accuracy of information reported by students on their FAFSAs.

just wage (J3)<br />The wage which reflects a worker's contribution to society. AQUINAS and his scho- lastic contemporaries expounded this ethical view of wages. Today, Islamic scholars argue that the just wage is unrelated to time spent as time is valueless. Also, modem writers on WAGE DIFFERENTIALS and INCOMES POLICIES have implicitly used concepts of fairness and justice.<br /> <br /><em>Reference</em><br />Fogarty, M. (1961) The Just Wage, London: G. Chapman.
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<strong>LLR</strong> – Lender of Last Resort, a student loan lender that agrees to make Stafford Loans to qualified students, regardless of the type of school, school' s CDA, etc. The MDHE offers an LLR program for Missouri students.
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cyclical trade (Fl)<br />A type of INTRA-INDUSTRY TRADE, particularly in agricultural products which are traded north to south between the two hemispheres in one harvest and south to north in the other part of the year.
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<strong>Mapping Your Future (MYF)</strong> – An organization sponsored by FFEL Program participants, such as the MDHE, to offer online student loan counseling, financial literacy and debt management tools, outreach and early awareness activities, and other services. May be found on the world wide web at www.mapping-your-future.org.

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