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<strong>Post-Withdrawal Disbursement (PWD)</strong> – A disbursement made when the calculation for the school' s return to Title IV funds (R2T4) result in the student being eligible to receive more Title IV aid than was disbursed or delivered prior to his or her withdrawal.

natural price (DO)<br />The central long-run equilibrium product price around which market prices fluctuate. Adam SMITH, in introducing this concept, said that the natural price would be the sum of the natural prices of land, labour and capitaL natural rate of growth (04)<br />The maximum long-term rate of ECONOMIC GROWTH. In the HARROD DOMAR growth model it is measured as the sum of the rate of population growth and the rate of TECHNICAL PROGRESS reflected in labour PRODUCTfVITY. G = n + t, where G is the natural rate of growth, n is the rate of population growth and t is the rate of technical progress. Population growth leads to a growth of the LABOUR FORCE; technical progress increases labour productivity.<br /> See also: warranted rate of growth

lagged variable (C1)<br />A dependent variable in an equation referring to a period previous to the time associated with the independent variable.

monopoly power (Ll)<br />The power of a dominant firm or firms over a particular market or economy. Proxy measures of this take the form of CONCENTRATION RATIOS.<br /><em>See also:</em> Herfindahl-Hirschman index; Lerner index
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<strong>Setting spending authority</strong> – The act of changing Bright Flight, Gallagher, and College Guarantee awards from estimated to actual in FAMOUS. Once spending authority is set, students' eligibility statuses are frozen and schools can begin requesting disbursements and award amounts.
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<strong>Administrative forbearance</strong> – A temporary suspension, reduction, or time extension for making principal and/or interest payments on a FFEL Program loan. During any period of forbearance, interest continues to accrue on the loan.
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natural resources (QO)<br />LAND, including soil, air, water, minerals, animal and plant life. Environmental resources supporting life and health and providing amenities and energy resources

<strong>Common Account Maintenance (CAM)</strong> – The FFEL Program industry' s electronic data standard used by lenders, servicers, and guarantors. Created by the National Council of Higher Education Loan Programs (NCHELP), CAM specifies the type of content, record format, and file structure for sharing data on borrowers and their loans.
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<strong>SMTP</strong> – Simple Mail Transfer Protocol, a syntax for text messages sent from one computer to another using email.

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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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