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<strong>AGI</strong> – Adjusted Gross Income, an income figure on federal tax returns used to perform need analysis and verification.
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debt trap (GO)<br />The consequence for a government, or an individual, of borrowing at a rate of interest greater than the rate of growth of its income causing its current expenditure on items other than debt servicing to be increasingly reduced.

share fisherman (Ql)<br />A fisherman whose remuneration is a proportion of the profits from each catch. This method of pay has long been used in Scotland.

money-order economy (01, PO)<br />A poor national ECONOMY which receives much of its income in the form of remittances from relatives of its population living abroad.

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<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.
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<strong>Expected Family Contribution (EFC)</strong> – The amount the student or student' s family is expected to pay toward the student' s cost of attendance as a result of the Federal Need Analysis Methodology.
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<strong>American Student Assistance (ASA)</strong> – the MDHE' s servicer for FFEL Program loans.
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fraud (K4, M4)<br />1 Deceitful accounting.<br /> 2 Misappropriation of funds.<br /><em>See also:</em> creative accounting; long fraud
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<strong>Master Promissory Note (MPN)</strong> – A common form that allows a student or parent to borrow multiple loans for multiple academic years and providing repayment obigations information (rights and responsibilities). A signed borrower MPN is required before student loan funds can be disbursed to the school.
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contribution standard (D3)<br />A principle of income distribution that asserts that the productivity of different kinds of resources should determine income distribution. This principle is derived from the MARGINAL PRODUCflVITY THEORY of distribution and is criticized on the grounds that it is very difficult to apply as a factor of production's own productivity is often inseparable from others.<br /><em>See also:</em> equality standard

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<strong>Application Send File</strong> – The CommonLine file type used to send application information to guarantors and/or other entities so that FFEL Program loans may be guaranteed and disbursed.
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inverse elasticity rule (DO)<br />This states that the PRICE ELASTICITY OF DEMAND for a good is inversely proportional to price minus marginal cost divided by price (if all CROSS PRICE ELASTICITIES OF DEMAND are ignored). Thus the margin between price and cost is large when elasticity is small: under MONOPOLY, there will be a very INELASTIC demand and the ability to make SUPERNORMAL PROFITS.<br /><em>See also:</em> Lerner index

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internal balance (EO, F4)<br />The FULL-EMPLOYMENT level of AGGREGATE DEMAND for a country, assuming that there is complete mobility of labour and constant money wage rates. This is contrasted with EXTERNAL BALANCE. It is the task of macroeconomic policy-makers to achieve internal and external balances simultaneously. (See the figure.)
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putty-clay (E2)<br />According to CAPITAL THEORY, a technology that in the short run allows little substitution between capital and labour. The consequence is that changes in capacity and in employment and output are closely linked.
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propensity to consume (E2)<br />Either AVERAGE or MARGINAL PROPENSITY TO CONSUME.
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<strong>MOST</strong> – Missouri Saving for Tuition Program, Missouri' s 529 college savings plan, which is serviced by Upromise. See https://missourimost.s.upromise.com/ for more information.
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hybrid income tax (H2)<br />A combination of a comprehensive rNCOME TAX and an EXPENDITURE TAX. It was gradually introduced in Japan to encourage savings, e.g. in the form of tax-exempt savings and flat rate capital gains tax.<br /><em>See also:</em> double taxation of savings

<strong>Task force</strong> – Former name for the State Student Financial Aid Committee. The committee is comprised of Missouri financial aid administrators and was established in February of 2005 to make recommendations to improve and strengthen Missouri' s student financial aid programs.

economic transition (PO)<br />The change from one type of ECONOMIC SYSTEM, usually from a centrally planned to a market economy. The principal recent aspects of this transformation in Eastern Europe have included PRIVATIZATION of state industries, liberalization of capital and labour markets, the founding of stock exchanges and the strengthening of private property rights.

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<strong>Forbearance</strong> – A period of time during which the borrower is permitted to temporarily cease making loan payments or to reduce the amount of the payments. The borrower is responsible for all interest that accrues during the forbearance period, for all loan types.
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<strong>MSEP</strong> – Midwest Student Exchange Program, which ensures reduced tuition rates to Missouri residents who enroll in designated academic programs at participating schools in Kansas, Michigan, Minnesota, Nebraska, North Dakota, and Wisconsin. For more information, see http://www.mhec.org/.

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