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<strong>OERI</strong> – Office of Educational Research and Improvement, a division of the U.S. Department of Education. The Education Sciences Reform Act of 2002 renamed this office the Institute of Education Sciences (IES).
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<strong>Dependent student</strong> – A student who does not meet the eligibility requirements for an independent student under section 480(d) of the Higher Education Act of 1965.

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capital transfer tax (H2)<br />UK tax introduced in 1975 on transfers of wealth payable by the donor or recipient during life or at death. Estate duty, in force from 1894 to 1975, was the predecessor of this tax.
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<strong>BBAY</strong> – Borrower-based academic year, an academic year which deviates from the standard definition and is often used by technical or vocational schools or within non-traditional programs of study. A BBAY is individualized for each borrower and generally covers a period of time during which the borrower completes at least a certain number of credit hours.
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<strong>Auxiliary Loans to Assist Students (ALAS)</strong> – 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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<strong>State Fiscal Year (SFY)</strong> – A period from July 1 through June 30 of the following calendar year for the state of Missouri.
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<strong>Dear Colleague Letter (DCL)</strong> – A communication from the U.S. Department of Education that explains, clarifies, or provides guidance regarding federal regulations and statutes.
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<strong>Title IV</strong> – The section of the Higher Education Act of 1965, as amended, that authorizes federal student loan, work, and grant programs.
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<strong>MOBIUS</strong> – Missouri Bibliographic Information User system, a consortium of academic libraries. May be found on the world wide web at http://mobius.missouri.edu/.

chaebol (LO, M1)<br />Korean group of giant companies controlled by a family-owned holding company.<br /> See also: zaibatsu
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<strong>Mastercheck</strong> – A single paper check issued from a lender or disbursing agent that includes funds for multiple FFEL Program borrowers.
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<strong>Separation date</strong> – Another term for a student' s OSD (out of school date) or LDA (last date of attendance).
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<strong>National of the U.S.</strong> – As defined by the Immigration and Nationality Act, a U.S. citizen or a noncitizen who owes permanent allegiance to the United States. This term includes all U.S. citizens as well as the citizens of American Samoa and Swain' s Island. Also referred to as U.S. National.

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