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<strong>AL</strong> – Alternative loan, the CommonLine loan type code used to identify any non federal student loan, also referred to as “private loan.”

<strong>Be A Smart Borrower Expansion Portfolio</strong> – A resource for students taking loans. It helps keep the borrower' s important information collected and organized. Contact the MDHE default prevention department for more information: marilyn.landrum@dhe.mo.gov or (573) 522-6285.
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Laffer curve (H2)<br />A graphical representation of the relationship between AVERAGE TAX RATES and total tax revenues which asserts that above a certain average rate of tax, total tax revenue will decline. The curve is named after Professor Arthur Laffer, a prominent economic adviser to US President Reagan in the 1980s and a popular leader of the suPPLY-SIDE school of economics. Although Laffer's supporters are eager to specify more clearly the shape of the curve, it still has the curious feature of associating each tax revenue with two tax rates, one high and the other low, except at point X where government revenue is at a maximum Ctrn is the tax rate which maximizes tax revenues). The curve implies that, as there is a ceiling to the amount a government can raise, there is a limit to the level of public goods which can be provided. DUPUIT in 1844 stated the same principle. <br />Tax rate
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<strong>ACG</strong> – Academic Competitiveness Grant, a new federal grant available as of July 1, 2006. Eligibility for this grant is based on high school academic performance as well as financial need. More information is available at: http://studentaid.ed.gov/PORTALSWebA...sp?tab=funding.
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direct cost (DO)<br />1 A production cost directly attributable to the cost of producing one unit of a particular output.<br /> 2 Variable cost.<br /><em>See also:</em> indirect cost
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market clearing (DO)<br />Adjusting demand and supply to each other until an EQUILIBRIUM is established. To clear, either price or quantity changes can be used.
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<strong>Financial literacy</strong> – The ability to read, analyze, manage, and communicate about the personal financial conditions affecting material well-being. This term is used to describe financial education programs on college campuses and within high schools. The objective of financial literacy programs is to help students better manage their finances, budget effectively, and borrow wisely.

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<strong>NCLB</strong> – No Child Left Behind Act of 2001.

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Penrose, Edith Tilton, 1914-96 (B3) After an education at Johns Hopkins University and various academic posts, including one in Baghdad, Penrose was Professor of Economics at the School of Oriental and African Studies, University of London, from 1964 to 1979. Her most famous contribution to economics is her theory of the growth of the firm. It had the optimistic theme that the human and material resources managed by a firm can be used to achieve its limitless expansion through product and market diversification and the recruitment of additional high-level managers. Her other works included books on the international PATENr system, the international petroleum industry and Middle East oiL <br /><em>Reference</em><br />Penrose, E.T. (1959) The Theory of the Growth of the Firm, Oxford: Basil BlackwelL
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<strong>Financial Aid Officer (FAO)</strong> – A staff member at an eligible school who administers financial aid programs.

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hard ecu (F3)<br />A version of the ecu proposed by the UK initially as a COMMON CURRENCY to be used in the EUROPEAN COMMUNITY for all monetary transactions alongside existing national currencies. The hope was that this ecu would become a single currency.

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dual pricing (D4, F3)<br />The practice of quoting prices in two currencies. This occurs as part of the transition to a new currency or because of lack of confidence in the national currency. This occurred in many eastern European countries and in EUROPEAN UNION countries after the introduction of the EURO.

maximin (C7)<br />Maximizing the gains to the worst off<br /><em>See also:</em> Rawlsian justice

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