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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.)

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cash budgeting (M2)<br />Predicting the cash flows of a business.<br /><em>See also:</em> cash flow; cash flow accounting

jump (G1)<br />A sudden and unexpected fall, or even crash, in a financial market which cannot be hedged against.
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<strong>Wage garnishment</strong> – The withholding of a portion of a borrower' s wages to repay a defaulted loan. (See also AWG.)
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<strong>AY</strong> – Academic year; the standard federal definition of an academic year is July 1 through June 30. This acronym may also be used to abbreviate “aid year” and “award year.”
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<strong>Payment period</strong> – The basis on which a school must schedule and deliver disbursements for a particular loan period. A payment period is determined by the structure of the school' s academic program.

dividend net (G2)<br />The rate of dividend paid in the last year, less income tax paid at the standard rate.

<strong>SMART Grant</strong> – Science and Mathematics Access to Retain Talent, 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. May also be referred to as the National SMART Grant Program.

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offer price (G1)<br />1 The price at which a company offers to sell its shares to the public.<br /> 2 The selling price of UNIT TRUST units.

estate economy (P4)<br />An underdeveloped economy with much of its agriculture organized into large estates, usually foreign owned. Malaysia with its rubber plantations, Ceylon with its tea plantations and Argentina with its cattle ranches had this character. Although wages of the estate workers were low by international standards, they were high enough to induce the movement of workers from subsistence agriculture. These estates were the basis of development in several ex-colonial countries.

corte ii memoire (G2) French for SMART CARD.
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<strong>Academic Competitiveness Grant (ACG)</strong> – A new federal grant available as of July 1, 2006. Eligibility for this grant is based on high school academic performance as well as financial need. More information is available at: http://studentaid.ed.gov/PORTALSWebA...sp?tab=funding.

Psychology, Chicago: University of Chicago Press.<br /> - (1976) The Constitution of Liberty, London: Routledge & Kegan PauL - (1982) Law, Legislation and Liberty: A New Station of Liberal Principles, London: Routledge & Kegan PauL Wood, LC. and Woods, R. (1991) Friedrich A. Hayek. Critical Assessments, London: Routledge.
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