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Return of Title IV funds – The federally mandated process by which a school calculates the amount of federal funds to be returned for a Title IV aid recipient who withdraws or ceases attendance during a payment period or period of enrollment.

coefficient of correlation (C1) Referred to as r by statisticians and used as a measure of the interrelatedness of two variables. This coefficient is measured by the formula & :L {x y )

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New Earnings Survey (J3) An annual survey of UK earnings published by the Department of Employment in 1968 and every year from 1970. It provides detailed statistics on the occupational, industrial and regional distributions of employment incomes.
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commercial policy (F1) The international trading policy of a national government with respect to import duties/quotas and export subsidies. These policies have been a central issue in economics since the MERCANTILISTS first debated the merits of TARIFFS. See also: General Agreement on Tariffs and Trade
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Repayment period – The period during which payments of principal and interest are required. The repayment period follows any applicable in-school or grace period (for Stafford Loans) and excludes any period of authorized deferment or forbearance.

principal-agent (DO) A contractual relationship much discussed in economics as it is at the heart of so many transactions. The principal increases RISK by delegating to another person the performance of an economic transaction. The advent of limited liability divorced the shareholder owners from the manager agents. Principals can be more effective through agents but have to design an incentive scheme to make their agents follow their preferences.
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Private loan – A non federal student loan, also referred to as “alternative loan.” Private loans are offered to students and/or parents by many, many lenders, secondary markets, and other private entities.
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Accrued interest – Each day interest is calculated on the unpaid principal balance of a loan and increases (accrues). Interest accrues on a subsidized Stafford Loan after the grace period is completed and the borrower enters repayment. For unsubsidized Stafford, parent PLUS, and Grad PLUS Loans, on the other hand, interest begins to accrue after the first disbursement of the loan.

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Servicer – An entity that enters into a contract with a program participant to administer any aspect of its participation in a Title IV program. Schools, lenders, secondary markets, guarantors, and the federal government may all employ servicers. MOHELA, Nelnet, and Sallie Mae are all FFEL Program servicers operating in the state of Missouri.

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