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<strong>Loan sale</strong> – The change in ownership of a loan from one eligible FFEL Program lender to another lender or holder.
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contingent fee (D4)<br />A fee paid only on the successful outcome of an activity, e.g. a fee for a lawyer's services which is a percentage of the damages awarded to a plaintiff. In the USA this fee system is alleged to encourage vexatious litigation.
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International Development Association (F3)<br />Formed in 1960 as an affiliate of the International Bank for Reconstruction and Development (woRLD BANK) to provide soFT LOANS to developing countries which are unable to borrow because of their low credit standing.
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preference share (GO)<br />Fixed interest shares with first entitlement to a company's earnings after the payment of interest on DEBENTURES. Cumulative preference shares accumulate unpaid interest for payment at a later date.
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<strong>WIA</strong> – Workforce Investment Act, a student financial aid program administered by the Missouri Department of Economic Development, formerly known as the Job Training and Partnership Act (JTPA).
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market forces (Ll)<br />1 Demand for and supply of FACTORS oF PRODUCTION and the goods and services produced by them.<br /> 2 The determinants of prices, investment and output in competitive markets.<br /> 3 The system of allocation which is the alternative to ECONOMIC PLANNING.

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<strong>Unsolicited response file</strong> – A CommonLine file containing “M records,” or modification records sent in response to status updates and changes made by a source other than a school' s CTSF.

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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>SSA</strong> – Social Security Administration.

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breakeven analysis (C1, D4)<br />A graphical representation of the relationship between total costs and total revenue with breakeven taking place where total cost is equal to total revenue (i.e. average cost is equal to average revenue).
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neo-Malthusians (B1)<br />Followers of MALTHus who in the nmeteenth century advocated birth control as a means of checking population growth; in the twentieth century they have been more concerned to emphasize the conservation of natural resources, given limited technical progress.<br /><em>See also:</em> Club of Rome <br /><em>Reference</em><br />Soloway, R.A. (1982) Birth Control and the Population Question in England, 18771930, London and Chapel Hill, NC: University of North Carolina Press.
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brain drain (F2)<br />International migration of highly qualified persons, especially surgeons, physicians, scientists, information technology specialists and engineers, from low-income countries to more prosperous economies, especially the USA. Differences in salaries and research facilities, as well as an oversupply of specialized graduates in less developed countries, have occasioned this, resulting in an increase in the HUMAN CAPITAL stock of advanced countries. Some countries have proposed the repayment of state financed education as a deterrent to emigration.<br /><em>See also:</em> immigration; migration

<strong>Gallagher grant</strong> – Missouri' s Charles Gallagher Student Financial Assistance Program, administered by the MDHE until the 2006-07 academic year and replaced by Access Missouri August 28, 2007.

portfolio investment (GO)<br />Investment in securities.<br /><em>See also:</em> foreign direct investment

intergenerational loan (G2, R2)<br />A means of financing house purchase over a period as long as 100 years. The children of the original mortgagor continue to service their parents' mortgage. In times of high property prices property becomes affordable as annual payments are lower than under conventional mortgage arrangements.<br /> See also: equity release scheme interim management (M1)<br />Short-term management often to deal with
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<strong>National Council of Higher Education Loan Programs (NCHELP)</strong> – The FFEL Program national association for guarantors, secondary markets, collection agencies, and other organizations. NCHELP provides tools, manuals, documents, and resources online, including the Code of Federal Regulations (CFR). Visit the NCHELP e-library at www.nchelp.org.
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<strong>NCES</strong> – National Center for Education Statistics. The NCES is a division of the U.S. Department of Education and the Institute of Education Sciences and is the primary federal entity for collecting and analyzing data related to education. The NCES collects IPEDS data from schools.

<strong>National SMART Grant Program</strong> – 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. SMART is an acronym for Science and Mathematics Access to Retain Talent.

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<strong>Teacher shortage area</strong> – A federally designated geographic area, grade level, discipline, or academic, instructional, subject matter that has been classified as a shortage area by the U.S. Department of Education.
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