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<strong>COA</strong> – Cost of Attendance, an estimate of a student' s total education-related expenses for an enrollment period. The COA generally includes tuition, fees, room, board, books, supplies, and personal expenses. May also be referred to as the “budget.”
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<strong>Anticipated Graduation Date (AGD)</strong> – The date a student expects to graduate. May also be referred to as the Expected Graduation Date (EGD) or the Anticipated Completion Date (ACD).
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<strong>Notice of Loan Approval (NOLA)</strong> – A paper copy of the MDHE' s loan guarantee statement which schools may receive if profiled for this service.
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Feldstein, Martin, 1939- (B3)<br />US economist who is an authority on public finance and welfare policies. He was educated at Harvard and Oxford Universities, returning to the former to be professor of economics from 1967. His quantitative work on fiscal programmes has shown their effect on employment and investment and interaction with macroeconomic policy. He became president of the influential NATIONAL BUREAU FOR ECONOMIC RESEARCH in 1977.

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regulated firm (L5)<br />A firm subject to detailed government regulation of its pricing and investment decisions. PUBLIC UTILITIES are often controlled in this way because the goods and services they provide constitute a major part of the costs of all firms and a high percentage of the consumption expenditure of households.

<strong>FRB</strong> – Federal Reserve Bank, one of 12 banks established by The Federal Reserve Act for holding government reserve funds. The banking industry uses the Federal Reserve system for transferring funds electronically via an overnight process. (See also ACH.)

euro (F3)<br />The common currency of the EUROPEAN UNION adopted by all member states excepting Denmark, Sweden and the UK. It came into force on 1 January 1999 in parallel with the currencies of participating states. Euro coins and notes were issued from 1 January 2002 and became the sole currency in circulation in the states of the eurozone by 28 February 2002. Soon after its inception it experienced a slump in its value.
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expenditure tax (H2)<br />A tax based on the amount actually spent by a consumer. Proponents of such taxation argue that the tax might be easier to collect than capital or income taxes and that the growth of personal savings (which would escape the tax) is encouraged. There have been many supporters of this type of taxation, including John Stuart MILL, MARSHALL, Irving FISHER, KALDOR and the MEADE Committee.<br /><em>See also:</em> double taxation of savings <br /><em>Reference</em><br />Kaldor, N. (1955) An Expenditure Tax, London: Allen & Unwin.

<strong>Missouri College Guarantee PLUS Program</strong> – A scholarship program based on financial need, academic achievement, and participation in the federal TRIO Programs. This scholarship program was administered by the MDHE through the 2006-07 academic year and was replaced by Access Missouri August 28, 2007.
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<strong>Unconsummated loan</strong> – Loan proceeds that the school returned to the lender prior to the borrower' s having cashed the check or the school having applied the proceeds to the student' s account.
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gium, the UK, Ireland and Denmark. It is dynamic, giving predictions over time paths of five to ten years. It models the real sector of these economies: monetary and financial elements, represented by interest rates, are exogenous. The interdependence of the economies are chiefly described by trade flows. One of the applications of the model has been to develop the methodology of EUROPEAN UNION economic policy.<br /><em>See also:</em> linkage model <br /><em>Reference</em><br />Barten, A.P, d'Aicantara, G. and Carrin, G.J. (1976) 'COMET: a medium-term macroeconomic model for the European Economic Community', European Economic Review 7: 63-115.

<strong>SFA</strong> – Student Financial Aid or Assistance.

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<strong>Academic Year (AY)</strong> – For the purposes of federal student aid, a period that begins on the first day of classes and ends on the last day of classes or examinations and that consists of at least 30 weeks of instructional time. The standard federal and state definition of an academic year is July 1 through June 30. (Note: the acronym “AY” may also refer to the Award Year.)
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capital adequacy (GO)<br />Sufficient capital to protect depositors and counter-parties from the risks present in a bank's balance sheet and off-balance sheet activities. Rules have been devised to ensure adequacy, especially by the Baste Committee on Banking Supervision. The committee issued the Capital Accord 1988 (revised 1999, 2000). This included a minimum capital 8 per cent of liabilities, with higher requirements for each of the five classes of asset according to risk. Subsequently the committee experimented with internal models to calculate market risks of capital and ordered more disclosure of information. Other capital adequacy tests are based on measuring liquidity, solvency, market and settlements risks.
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<strong>FAD</strong> – Financial Aid Director, a staff member at an eligible school who heads the financial aid office.
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