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<strong>Award</strong> – Schools award, or “package,” student aid for each year for students. Once the aid is awarded, schools send award letters to students indicating the type(s) and amount(s) of financial aid awarded for the year. (Under 34 CFR 668.16(h), the school is required to provide information about the sources and amounts of aid offered.) The financial aid award may also be referred to as the “financial aid package.”
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<strong>Federal Work-Study Program (FWS)</strong> – A campus-based Title IV student employment program administered by the school. FWS is a need-based program.
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<strong>EFC</strong> – Expected Family Contribution, 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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coincident indicators (E3)<br />Measures of economic activity used by economic forecasters to track cyclical movements in the ECONOMY. The main ones used are employment in non-agricultural enterprises, personal income less transfer payments. and indices of total industrial production and manufacturing and trade sales.<br /><em>See also:</em> economic indicators
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division of labour (D2)<br />Specialization of productive activity either by persons in different occupational groups undertaking particular tasks or by

DEVALUATION of a currency with a fixed exchange rate On the BALANCE OF PAYMENTS current account. It is based on the observation that initially after devaluation, before there can be responses to the changed import and export prices, the total cost of imports will be higher and the total value of exports lower. An appreciation of a currency, conversely, will produce an inverted J-curve. The curve plots the balance of payments current account balance against time (in the figure, td is the date at which devaluation occurs).

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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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EPA (C5, FO)<br />A world econometric model of the Japanese Economic Planning Agency which includes nine country models (of the seven major OECD countries, Australia and South Korea) and six trading regions.<br /><em>See also:</em> linkage models <br /><em>Reference</em><br />Amano, A., Maruyama, A. and Yoshitomi, M. (eds) (1982) EPA World Economic Model, Vols 1 and 2, Tokyo: Economic Planning Agency.

Nash equilibrium (C7)<br />In a game with two players an equilibrium occurs when each strategy of a pair is the best response to the other. Each player uses the highest possible pay-off, given the other player's strategy. This was invented in 1950.
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<strong>ALAS</strong> – Auxiliary Loans to Assist Students. This federal student loan program was available from 1981 to 1986; in 1986 it was re-named the Parent Loans for Undergraduate Students (PLUS) program.

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initial public offering (G1)<br />The first sale of shares of a company to the public when it decides to offer a stake in its ownership to outside investors. Usually an investment bank advises a company on coming to market and might guarantee the sale through a firm commitment to buy all the shares and then resell to other investors.<br /><em>See also:</em> primary offering
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bliss point (D6)<br />An optimal combination of PRIVATE and PUBLIC GOODS. This combination is derived from a SOCIAL WELFARE FUNCTION. In the figure w, w2 and w3 are different social welfare functions, BB is a grand utility maximization frontier, P is the bliss point, Ux and UY are ordinal preference functions and W = W(Ux, Uy) is a social welfare function. At the bliss point P, social welfare is at a maximum because BB touches the highest welfare function contour.
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<strong>National SMART Grant Program</strong> – A new federal grant available as of July 1, 2006. Eligibility for this grant is based on science and math curriculum and academic performance as well as financial need. SMART is an acronym for Science and Mathematics Access to Retain Talent.
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<strong>Reissue</strong> – A post-disbursement change transaction for changing the disbursement date from a past date to a future date. Within CommonLine, this transaction is located in the @1-10 record.

<strong>Private loan</strong> – A non federal student loan, also referred to as “alternative loan.” Private loans are offered to students and/or parents by many, many lenders, secondary markets, and other private entities.

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