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<strong>Perkins Loan</strong> – The Federal Perkins Loan Program, a campus-based Title IV student loan program administered by the school.
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<strong>ACT</strong> – American College Testing, a college assessment test administered by ACT, Inc.

<strong>Rehabilitation</strong> – A process by which a borrower with a defaulted FFEL Program loan may regain eligibility for Title IV aid by adhering to strict repayment requirements.

<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.

<strong>FANG</strong> – Financial Aid Noon Group, the mid-Missouri group of financial aid officers. FANG normally meets several times a year in Columbia.

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marginal propensity to consume (E2) The change in consumption resulting from increasing income by one unit. For example, if all the additional income is consumed, the marginal propensity to consume (MPC) is 1; if only one-half, the MPC is 0.5. This measure is essential in CONSUMPTION FUNCTION and MULTIPLIER analysis. Consumer research shows that MPCs are usually lower for higher income groups.

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<strong>Write-off</strong> – A loan amount for which there has been a total cessation of collection activity.

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inflationist (E3)<br />A person advocating inflation as a means of stimulating an economy. This is recommended because gross profit margins increase in a period of inflation, making possible increased net investment and employment.
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<strong>Escrow agent</strong> – A guarantor or other eligible entity that receives the proceeds of a FFEL Program loan as an agent of an eligible lender for the purpose of transmitting those proceeds to the school.

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<strong>NOLA</strong> – Notice of Loan Approval, a paper copy of the MDHE' s loan guarantee statement which schools may receive if profiled for this service.
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UK. Although property taxes are often a major source of local revenue and provide an additional tax base, they have been criticized for their regressive nature over some ranges of incomes.<br /><em>See also:</em> community charge; federal finance; fiscal mobility; rates

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<strong>VA</strong> – Veterans Administration, now the Department of Veterans Affairs (DVA).
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<strong>Part B</strong> – The section of Title IV of the Higher Education Act of 1965, as amended, that authorizes the FFEL Program.

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<strong>Late Stage Delinquency Assistance (LSDA)</strong> – Refers to procedures followed by Student Loan Counseling Services (SLCS) when a loan is 241 days delinquent or more. The MDHE contracts with SLCS for default aversion assistance services.
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<strong>Flat file</strong> – Within systems terms, a flat file is a single file containing flat ASCII, or a string of characters. Data in flat files must be read and processed sequentially. CommonLine 4 files are flat files.
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<strong>MASFAP</strong> – Missouri Association of Student Financial Aid Personnel. May be found on the world wide web at www.masfap.org.

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<strong>Setting spending authority</strong> – The act of changing Bright Flight, Gallagher, and College Guarantee awards from estimated to actual in FAMOUS. Once spending authority is set, students' eligibility statuses are frozen and schools can begin requesting disbursements and award amounts.

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<strong>RSMo</strong> – Revised Statutes of Missouri, the document authorizing the Missouri state student aid programs and designating the MDHE as the administrative body for the FFELP and the state aid programs. The revised statutes are available on the General Assembly' s website at www.moga.mo.gov/statutesearch/, and the MDHE may be found in Chapter 173.

<strong>DCL</strong> – Dear Colleague Letter, 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>PIN</strong> – Personal Identification Number.

<strong>MOREnet</strong> – Missouri Research and Education Network. Provides networking capabilities and internet access for colleges and universities, elementary and secondary schools, state agencies, libraries, and community networks.
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grandfather clause (F1, K2)<br />An item in an agreement permitting the retention of laws in conflict with the essence of the agreement. GATT contained such clauses.
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Baumol, William Jack, 1922- (B3)<br />US economist, educated at City College, New York, and London University and a professor at Princeton University from 1954 to 1971. He is famous for his economic analysis of management science, particularly his research conclusion that businesses set out to maximize their sales subject to minimum profit targets. Also, his 'unbalanced growth' model demonstrates that the different opportunities for technical progress in the various sectors of an economy lead to chronic problems in the financing of cities, medical care, educational systems and the performing arts. Recently he has been concerned with the environmental implications of welfare economics and CONTESTABLE MARKETS.<br /><em>Reference</em><br />Baumol, WJ. (1966) Performing Arts, the Economic Dilemma: a Study of Problems Common to Theatre, Opera, Music and Dance, New York: Twentieth Century Fund.<br /> - (1977) Economic Theory and Operations Analysis, 4th edn, Englewood Cliffs, NJ: Prentice Hall.<br /> Baumol, WJ. and Oates, WE. (1975) The Theor y of Environmental Policy, Englewood Cliffs, NJ; London: Prentice Hall. Baumol, WJ., Willig, R.D. and Panzar, L.S. (1982) Contestable Markets and the Theory of Industry Structure, New York: Harcourt Brace Jovanovich.

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