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Old 08-03-2011, 04:45 PM   #1
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<strong>Nonsubsidized loan</strong> – A loan that is not eligible for federal interest benefits. (Note: nonsubsidized loans were offered by some guarantors before the introduction of the unsubsidized Stafford Loan Program.)

<strong>Default Fee subsidy</strong> – Term used to refer to a Default Fee that is paid by a third party on behalf of the borrower.

disposable income (D3, H2)<br />1 PERSONAL !NCOME plus TRANSFER !NCOME net of all taxes levied on incomes.<br /> 2 The amounts of money a person can spend or save in a given time period.<br /><em>See also:</em> final income

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Old 08-04-2011, 12:38 PM   #2
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<strong>Term-based school</strong> – A school that uses standard academic terms, such as quarters, trimesters, or semesters.

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<strong>Response File</strong> – The CommonLine file type used to return responses to application send files and change transaction send files. A response file contains a snapshot of the processor' s database after processing an application for guarantee or after posting a change transaction. A response file generally contains “R records” but may also contain “M records,” if desired.
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Old 08-04-2011, 04:33 PM   #3
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<strong>R2T4</strong> – Return to Title IV aid calculation used to determine the portion of aid funds delivered that need to be returned after a student withdraws from school.
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<strong>FYE</strong> – First year experience, a term used related to students' first year in attendance at a postsecondary institution.
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Old 08-05-2011, 04:16 AM   #4
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external labour market (J4)<br />A market consisting of competing employers and competing workers. Workers can and will enter firms at different pay and status levels but often with lower remuneration than in oligopolistic firms with INTERNAL LABOUR MARKETS. Much of the external labour market is coterminous with the SECONDARY LABOUR MARKET.
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bunch map (C1)<br />A set of lines from the origin of a graph with each line measuring a coefficient between two variables. These maps have been used to check for the presence of MULTICOLLINEARITIES in data. Germany's CENTRAL BANK which replaced the Reichsbank in 1957. Its principal duty has been to safeguard the value of the currency by regulating the quantities of money in circulation and of credit in the economy. Although expected to support the government's general economic policy, it is independent of instructions from the government. The bank's president chairs fortnightly meetings of the Bank Council on which bank directors and presidents from the federal states sit; the council fixes interest rates and credit policy. Also, the Bundesbank decides on the size of the note issue, is custodian of the nation's gold and foreign currency reserves and is in charge of official dealings in foreign exchange markets. The Bundesbank's contribution to low German inflation in the past has been praised, but critics have accused the bank of setting money market interest rates which were too high on several occasions, risking recession in the economy.<br /> <br /><em>Reference</em><br />Frowen, S.F. and Pringle, R. (eds) (1998) Inside the Bundesbank, New York: St Martin's Press; London: Macmillan.
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<strong>Interest rate</strong> – The maximum rate of interest that is charged on student loans is defined within federal statutes. In the FFEL Program, lenders often reduce the interest rate from the statutory maximum during the in-school or repayment periods for borrowers who pay on time or who meet specified eligibility requirements.
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Old 08-05-2011, 05:04 AM   #5
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bid price (G1)<br />The selling price for UNIT TRUST units or shares of companies.
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holism (P4)<br />1 A theory of the universe as an interacting whole.<br /> 2 The opposite of atomism.<br /> 3 The simultaneous consideration of all parts of a system.

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Old 08-05-2011, 01:59 PM   #6
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<strong>Skip tracing</strong> – Efforts to locate a borrower' s telephone number or address when such information is unknown.

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<strong>Adjusted Gross Income (AGI)</strong> – Adjusted Gross Income, an income figure on federal tax returns used to perform need analysis and verification.

pecuniary returns (D3)<br />Rewards to a FACTOR OF PRODUCTION in the form of money.<br /><em>See also:</em> non-pecuniary returns

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Old 08-05-2011, 09:12 PM   #7
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'corset' (E5)<br />The method of Bank of England control over commercial banks' liabilities in force from December 1973 to June 1980. A limit was placed on the amount of banks' sterling deposits and foreign currency deposits lent in sterling: if the limit was exceeded, a special deposit, bearing no interest, had to be lodged at the Bank of England. Banks objected to the way in which it encouraged companies to lend directly to each other rather than using banks as intermediaries. The removal of the corset led to an upsurge in the money supply.<br /><em>See also:</em> disintermediation
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Old 08-06-2011, 12:28 AM   #8
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Old 08-05-2011, 11:12 PM   #9
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<strong>Repayment schedule</strong> – The legal addendum to the promissory note stating the terms of repayment and fulfilling disclosure requirements. The repayment schedule includes the total principal and interest due, the regular installment amount due, and the number of installments required to pay the loan in full. It also includes the interest rate, the due date for the first payment, and the frequency of installments.

<strong>The Source</strong> – MDHE' s Guide to grants, scholarships, loans and more-Outlines all of the state student financial assistance programs. This publication and all publications published by the MDHE can be requested on the Publications Order Form: http://www.dhe.mo.gov/publicationsorderform.shtml.
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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.

<strong>Enterprise</strong> – The MDHE' s system for guaranteeing and servicing loans. Enterprise is owned and developed by American Student Assistance (ASA), the MDHE' s servicer. Also referred to as MODEL Enterprise.

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Old 08-07-2011, 04:47 AM   #10
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Poor Laws (13, N4)<br />The succession of English statutes beginning with those of 1597 and 1601 which aimed to relieve poverty by providing welfare benefits or work within workhouses. This welfare programme was financed by levying a 'poor rate' on the landowners of each parish. The poor were confined to the parish of birth and separated into the able-bodied and 'impotent', i.e. infants, elderly persons, invalids and lunatics. Under an Act of 1722, the first 200 workhouses were erected for the aged and infirm; the able-bodied were given outdoor relief.<br /> Growing rural poverty in the late eighteenth century prompted many economists of the day, including MALTHus, to argue that the Poor Laws encouraged population growth and a magnification of the problem of poverty. SMITH was opposed to arrangements restricting GEOGRAPHICAL MOBILITY by keeping the poor in the parishes of birth. A Royal Commission, which included Nassau SENIOR, was set up to investigate the administration of the Poor Laws. In its report of 1834, it recommended that relief should be confined to the 'indigent', i.e. the able-bodied pauper, the aged and the sick, and available only within workhouses. Poor Laws, the Royal Commission argued, should not be available for the poor in general as that would include help to low-paid workers. Other proposals in the period of CLASSICAL ECONOM!CS included BENTHAM'S idea of profitmaking industry houses into which the poor would be confined (Pauper Management Improved, 1798) and G. Poulett Scrope's insurance scheme financed by employers' contributions (Principles of Political Economy, 1832, ch. 12).<br /><em>See also:</em> poverty; subsistence <br /><em>Reference</em><br />Boyer, G.R. (1990) An Economic History of the English Poor Law, Cambridge: Cambridge University Press.<br /> Himmelfarb, G. (1984) The Idea of Poverty: England in the Early Industrial Age, New York: Alfred A. Knopf., London: Faber & Faber.
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volume of investment and the multiplier. Value of the multiplier determined by the propensity to save.' Admirers of Keynes have seen a development of the theory of the rate of interest and the crucial use of expectations in this grand theory, but critics, including LUCAs, have disliked the tone of the book and the decision of Keynes to work in units of money and labour alone to discuss economic aggregates; also, it has often been stated that the theory is not as 'general' as Keynes declared, that it is crippled by the USe of the COMPARATIVE STATICS method and that it needed later growth theory to complement it.<br /><em>Reference</em><br />Clarke, P. (1988) The Keynesian Revolution in the Making, 1924-36, Oxford: Clarendon Press.<br /> Keynes, J.M. (1936) The General Theory of Employment, Interest and Money, London: Macmillan.<br /> Vicarelli, F. (ed.) (1985) Keynes's Relevance Today, London: Macmillan.

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