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<strong>Exit Counseling Workbook</strong> – An easy-to-read workbook that explains the ins and outs of repaying a student loan. This publication and all publications published by the MDHE can be requested on the Publications Order Form: http://www.dhe.mo.gov/publicationsorderform.shtml.
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bioeconomics (PO, QO, Q2)<br />I The application of sociobiology to eco-
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marginal utility (DO)<br />The amount of satisfaction obtained from consumption of the last unit of a good or service. Although there were hints of such an analytical tool in economics before 1870, particularly in BENTHAM's writings, it was the MARGINALISTS who were first to make extensive use of the concept, employing differential calculus. The LAW oF DIMINISHING MARGINAL UTILI1Y was enunciated simultaneously.<br /><em>See also:</em> cardinal utility; util; utility

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regional wage bargaining (B)<br />Wage negotiations for an industrial or occupational group covering workers in part of a country. This departure from national wage bargaining is popular with many employers. It enables pay to reflect more closely LOCAL LABOUR MARKET conditions; unions have often objected to this as it gives rise to regional wage differentials thus departing from the hallowed union tradition of setting the same pay for all workers of the same occupation or industry.
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despite a rise in its price. INCOME AND suBSTITUTION EFFECTS analysis is USed to explain this paradox: the income effect outweighs the substitution effect and there is a change in the sign of the income effect from positive to negative.<br /> In the figure, 11 and 12 are the indifference curves of a particular consumer faced with the choice between goods F and G. There is a fall in the price of good G (more of it can be obtained for a fixed amount of F) expressed by a shift in the budget line from AC to AD, but there is also a fall in the quantity demanded of it from Or to Oq as the income effect yz is more than the substitution effect xz. <br /><em>Reference</em><br />Boland, L.A. (1977) 'Giffen goods, market prices and testability', Australian Economic Papers 16: 72-85.<br /> Stigler, G.J. (1947) 'Notes on the history of the Giffen paradox', Journal of Political Economy 55: 152-6.

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<strong>Expected Family Contribution (EFC)</strong> – 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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<strong>Standard repayment schedule</strong> – A repayment schedule under which the borrower pays the same amount for each installment payment throughout the entire repayment period OR pays an amount that is adjusted to reflect annual changes in a variable-rate loan.
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<strong>DFee</strong> – Default Fee, a fee required by the Deficit Reduction Act of 2005. All Stafford and PLUS Loans guaranteed on or after July 1, 2006 must be assessed a one percent fee. The fee either must be deducted from the borrower' s loan proceeds at the time of disbursement or paid by a third party from other non-federal sources (such as a lender or servicer). This fee is also referred to as FDF.

<strong>SAR</strong> – Student Aid Report, the paper output record provided to the student after completing the FAFSA. The SAR contains the student' s EFC and results of federal database matches. The electronic version of the record, which is sent to the school, is called the ISIR.

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picketing (J5)<br />Verbal or physical persuasion of workers not to enter the premises of a firm where there is an INDUSTRIAL DISPUTE. In the UK, only peaceful picketing to convey information by no more than six pickets assembled is legal.
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demand management (E5, H3) Discretionary changes in national MONETARY and FISCAL POLICIES attempting to change the JeveJ of AGGREGATE DEMAND. Under the influence of KEYNESIANISM such policies were very popular in the 1950s and 1960s. However, some critics of demand management have asserted that frequent changes destabilized the economy.<br /><em>See also:</em> fine-tuning
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state monopoly capitalism (P2)<br />A type of economic system, particularly the SOVIET-TYPE ECONOMY, in which the state owns all the means of production (except for a few minor services and agricultural enterprises) and exploits scale economies by running each branch of production as a state-owned monopoly. MARX regarded such a stage of economic development as the prelude to full communism when the state itself would wither away.<br /><em>See also:</em> monopoly capitalism <br /><em>Reference</em><br />Cowling, K. (1982) Monopoly Capitalism, London: Macmillan.<br /> Fine, B. and Martin, A. (1984) Macroeco- nomics and Monopoly Capitalism, Brighton: Wheatsheaf.

<strong>Federal Family Education Loan Program (FFELP)</strong> – Federal student loans that were authorized by Title IV, Part B, of the Higher Education Act of 1965, as amended. FFEL Program loans are funded by private lenders and are guaranteed by state agencies or other non-profit organizations. FFEL Program loans include Federal Stafford (subsidized and unsubsidized), Federal PLUS (for parents or for graduate/professional students), and Federal Consolidation Loans.

<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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Harrod-Domar model (04)<br />A major model of economic growth independently asserted by both HARROD and Domar in 1948 . It uses the concepts of the NATURAL RATE OF GROWTH and the WARRANTED RATE OF GROWTH.<br /> <br /><em>Reference</em><br />Domar, E_D. (1957) Essays in the Theory of Economic Growth, PP- 70-82, New York: Oxford University Press.

financial deepening (G2)<br />An increase in the ratio of financial assets to REAL ASSETS. This Will depend on the number and range of financial institutions and household savings.

interdependent economy (PO)<br />An ECONOMY with close trading links with another economy.<br /><em>See also:</em> open economy
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<strong>IPEDS</strong> – Integrated Postsecondary Education Data System, an annual report filed by postsecondary educational institutions to the U.S. Department of Education. IPEDS data is submitted to the National Center on Education Statistics (NCES).

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