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<strong>Last Date of Attendance (LDA)</strong> – The last day the student was physically present in class, as confirmed by the student' s attendance records. An LDA may also be referred to as an out of school date (OSD) or, if the student completed the program of study, the actual graduation date.
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churning (G1)<br />1 Cancelling an existing insurance policy and purchasing a new one as a replacement.<br /> 2 Frequent changes in a portfolio of securities. Commission-hungry life insurance agents and stockbrokers often propose a rapid turnover of this kind.

European Communities (FO)<br />The three organizations consisting of the European Coal and Steel Community, established in 1952, the EUROPEAN ECONOMIC coMMUNITY, established in 1958, and the European Atomic Energy Community, also established in 1958. The original member states of each of the three communities were France, West Germany, Italy, Belgium, the Netherlands and Luxemburg. In 1967 the original institutional structures of the three communities were merged to create the common executive, judicial and legislative institutions of the EUROPEAN COMMUNITY.
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<strong>SF</strong> – Within CommonLine file specifications, loan type code used to indicate a subsidized Federal Stafford Loan.

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<strong>Ability to benefit</strong> – Basis on which a student without a high school diploma or GED may qualify for federal student aid. To demonstrate the ability to benefit from a program of study, a student must take a test that is approved by the U.S. Department of Education.
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nomics, London: Weidenfeld & Nicolson.<br /> - (1984) Reality and Rhetoric: Studies in the Economics of Development, London: Weidenfeld & Nicolson; Cambridge, MA: Harvard University Press.
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<strong>Endorser</strong> – A signer of a promissory note who is secondarily liable for a loan obligation. A lender may require a PLUS applicant with adverse credit history to obtain a creditworthy endorser in order to receive the loan.

price system (DO, P1)<br />A method of allocating goods and services or factors of production by the free movement of prices. The characteristics of this system are its economy in the amount of information needed for decision making and its ability to bring about swift adjustments of supply to demand. Excess DEMAND automatically pushes up prices, giving a direct signal to producers to increase their labour forces and capital stocks. However, the price system is criticized on the grounds that it ignores many sociAL cosTs as these are rarely evaluated and charged to those responsible and can create income inequalities.<br /><em>See also:</em> central planning
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<strong>GED</strong> – General Educational Development certificate, an equivalent of a high school diploma. (See also “Ability to benefit.” )

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reputation capital (M2)<br />An intangible asset of a firm created by the making of implicit promises, e.g. to maintain a particular level of product quality or to give its workers permanent employment. A firm gains from not making such promises explicit in the terms of its contracts: it can abandon its undertakings in extreme circumstances and keep employees from monitoring its assurances.<br /><em>See also:</em> goodwill; intangible wealth <br /><em>Reference</em><br />MaCaulay, S. (1963) 'Non-contractual relations in business', American Sociolo gical Review 28: 55-69.

official financing (F4)<br />An item in the balance of payments of a country which is the amount of finance which has to be raised from overseas monetary authorities, by currency borrowing and drawing on official reserves to finance a deficit in the current and capital accounts.
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<strong>Program review</strong> – A comprehensive review of a lender, school, or servicer participating in the FFEL Programs. The review may be conducted by the U.S. Department of Education or by a guarantor to ensure compliance with federal regulations and with policies and procedures.

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black knight (G3)<br />A company which makes a hostile takeover bid for another firm.
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<strong>Reaffirmation</strong> – A borrower' s acknowledgment of a loan repayment obligation, including all principal, interest, and other costs, in a legally binding manner.
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<strong>Scholarship</strong> – Financial assistance that is usually based on merit or ability and that does not have to be repaid.
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cheque card (G2)<br />A plastic card issued by a bank to an account-holder to guarantee a cheque up to a specified amount.<br /><em>See also:</em> credit card; debit card; sma rt card Chicago Board Options Exchange (G1) The world's largest options market, trading over half of the US options contracts. It was created by the Chicago Board of Trade in 1973 and is subject to SECURITIES AND EXCHANGE COMMISSION regulations. Originally it dealt in call options; put options were introduced in 1977. The majority of options traded a re based on the Standard&Poor I00 stock index.
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