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Bergson, Abram, 1914- (B3)<br />US economist educated at Johns Hopkins and Harvard Universities. After wartime experience from 1942 to 1945 as chief of the Russian Economic Subdivision of the US Office of Strategic Services, he returned to academic life and has been a professor at Harvard since 1956. In 1938, he created the new welfare economics by asserting that a social welfare function can be established by attaching weights to each individual's welfare function: this rejected the earlier CARDINAL UTILITY approach. Also, he introduced the distinction between 'efficiency' and 'equity', applying it to an analysis of the individual income effects of economic change. He has applied his welfare analysis to many areas of economics, including MARKET sociALISM and monopoly. Also, he became a leading US authority on the Soviet economy.<br /> <br /><em>Reference</em><br />Bergson, A. (1964) Economics of Soviet Planning, New Haven, CT: Yale University Press. - (1966) Essays in Normative Economics, Cambridge, :MA: Harvard University Press.<br /> - (1982) Welfare Planning and Employment: Selected Essays in Economic Theory, Cambridge, MA: MIT Press.
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<strong>Less than half time (LTH)</strong> – An enrollment status indicating the student is carrying less than a half-time academic workload, as determined by the school. Students who are less than half time are not eligible to borrow FFEL Program loans.
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<strong>Holder</strong> – An eligible lender that owns a FFEL Program loan.
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<strong>NDSL</strong> – National Direct Student Loan, renamed the Federal Perkins Loan Program in 1992. (Note: this is NOT the same program as the William D. Ford Direct Loan Program, or FDLP.)
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self-regulatory organization (K2, L5)<br />An organization set up by a profession or group of specialist financial traders to regulate the conduct of its members instead of being subject to direct governmental controL In the UK, examples of these organizations include LLOYD'S, the SECURITIES AssociATION, AFBD, Fimbra, IMRO and LAUTRO.<br /><em>See also:</em> Financial Services Act; regulation

contract compliance (HO, J7)<br />Obeying the terms and conditions of governmental contracts awarded to private sector firms. This approach has often been used, especially in the USA, as a means of advancing employment policies, e.g. the employment of women, blacks and disabled persons.<br /><em>See also:</em> Fair Wages Resolution
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<strong>Variable rate</strong> – An interest rate that varies over time and generally has a specified maximum (cap). Prior to July 1, 2006, interest rates on FFEL Program loans were variable with an 8.25% cap. (Beginning July 1, 2006, interest rates are now fixed rates, with the maximum established at 6.8% for Stafford Loans and 8.5% for FFEL Program PLUS Loans.)

<strong>NAICU</strong> – National Association of Independent Colleges and Universities.

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dollar overhang (F3)<br />US dollars held outside the USA in the 1960s in excess of the gold backing for them.<br /><em>See also:</em> monetary overhang
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loan stock (G1)<br />A stock exchange security with a fixed rate of interest and, usually, prior entitlement to payment out of any available earnings.<br /><em>See also:</em> debenture

<strong>E-sign</strong> – Process of electronically “signing” a FFEL Program loan application, FAFSA, or other student aid document by providing information in an electronic format such as within a web loan delivery product (e.g., the MDHE-ASA product, MODEL Direct).
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<strong>Financial Aid Administrator (FAA)</strong> – A staff member at an eligible school who administers financial aid programs.

private sector liquidity (UK) (E4)<br />This broad measure of the money supply was much used in the 1980s and took two forms:
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Sherman Act 1890 (L4)<br />The founding statute of the US federal ANTITRUST legislation. This Act prohibits 'all contracts, combinations and conspiracies in restraint of trade' (section 1) and monopolization in interstate and foreign trade (section 2). The Act was followed by further federal legislation and similar statutes for individual states.<br /><em>See also:</em> antitrust; Celler-Kefauver Antimerger Act; Clayton Act; Federal Trade Commission Act; Robinson-Patman Act <br /><em>Reference</em><br />Bork, R.H. (1978) The Antitrust Paradox, New York: Basic Books.

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& L (E4)<br />A measure of the US money supply consisting of M3 + non-bank public holdings of US savings bonds + short-term treasury securities + commercial paper + bankers' acceptances (net of money mutual market fund holdings of these assets).
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Donovan Commission (UK) (J5)<br />The Royal Commission on Trade Unions and Employers' Associations of 1965 - 68 chaired by Lord Donovan. It concluded that the UK had two systems of industrial relations: a formal system with industrywide collective agreements on pay, hours of work and other employment conditions; and an informal system at the factory level setting earnings supplements to national wage rates and causing WAGE DRIFT and unofficial strikes to enforce workers' demands. This dual system was partly the consequence of FULL EMPLOYMENT in the UK in the 1950s and 1960s. To remedy these faults in the INDUSTRIAL RELATIONS system, the Donovan Commission recommended the limitation of industry-wide agreements to matters which could be regulated effectively at the industry level and the introduction of factory agreements to replace informal understandings.<br /><em>See also:</em> shop steward <br /><em>Reference</em><br />Royal Commission on Trade Unions and
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<strong>Repayment start date</strong> – the date the repayment period begins. For Stafford Loans, the repayment period begins on the day following the last day of the grace period. For PLUS Loans, repayment begins on the date the loan is fully disbursed. (PLUS Loans are, however, eligible for an in-school deferment when the borrower is enrolled at least half time.)

<strong>CAM</strong> – Common Account Maintenance, the FFEL Program industry' s electronic data standard used by lenders, servicers, and guarantors. Created by the National Council of Higher Education Loan Programs (NCHELP), CAM specifies the type of content, record format, and file structure for sharing data on borrowers and their loans.
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<strong>IRS offset</strong> – The withholding of a borrower' s federal Treasury payments, such as federal tax refunds. Also known as “Treasury offset.”

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<strong>NDSL</strong> – National Direct Student Loan, renamed the Federal Perkins Loan Program in 1992. (Note: this is NOT the same program as the William D. Ford Direct Loan Program, or FDLP.)
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<strong>PWD</strong> – Post-Withdrawal Disbursement, a disbursement made when the calculation for the school' s return to Title IV funds (R2T4) result in the student being eligible to receive more Title IV aid than was disbursed or delivered prior to his or her withdrawal.
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