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Old 08-07-2011, 07:55 AM   #481
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Default Latest loan news in Kinross

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<strong>MDHE e-distribution list</strong> – The Missouri Department of Higher Education' s electronic news service. To sign up for this service, visit http://www.dhe.mo.gov/mdhedigest/signup.shtml.

<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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<strong>Late disbursement</strong> – A disbursement made by a lender after the end of the loan period or the date on which the student ceased to be enrolled at least half time.
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Old 08-07-2011, 08:21 AM   #482
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gold standard (E5)<br />A basis for the value of a national currency which can take the form of a GOLD BULLION STANDARD or a GOLD EXCHANGE STANDARD.<br /> <br /><em>Reference</em><br />Gold Standard Commission (1982) Report to Congress of the Commission on the Role of Gold in the Domestic and International Monetary System, Washington, DC: US Government Printing Office.
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impact multiplier (EO)<br />The impact on a national economy in a given year of the EXOGENOUS VARIABLES for that year and the ENDOGENOUS VARIABLES for prior years.<br /><em>Reference</em><br />Goldberger, A.S. (1959) Impact Multipliers and the Dynamic Properties of the KleinGoldberger Model, Amsterdam: NorthHolland.
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<strong>Recall (of a claim)</strong> – A lender request to a guarantor to return a default claim that has already been filed but has not yet been paid because the claim no longer qualifies for default.
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Old 08-07-2011, 09:12 AM   #483
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<strong>College Access Initiative</strong> – Included in the Deficit Reduction Act of 2005, this initiative requires guarantors to undertake activities to promote access to postsecondary education. Information and tools may cover topics such as college planning, career preparation, and paying for college and may be made available via websites, publications, or other programs.
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<strong>Private loan</strong> – 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.

<strong>Consummated loan</strong> – A loan for which disbursement funds have been delivered to the borrower. For example, a loan is considered consummated when the borrower cashes a paper check from the lender or when the school applies the proceeds of an ACH transfer to the student' s account.
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Old 08-07-2011, 09:39 AM   #484
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<strong>Post-Withdrawal Disbursement (PWD)</strong> – A disbursement made when the calculation for the school' s return to Title IV funds (R2T4) result in the student being eligible to receive more Title IV aid than was disbursed or delivered prior to his or her withdrawal.
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<strong>Satisfactory repayment arrangement</strong> – A specified number of consecutive, on-time, voluntary, reasonable and affordable full monthly payments made by a borrower to the holder of a loan in default. Satisfactory repayment arrangements may be established by a borrower to either regain Title IV eligibility, or rehabilitate a defaulted loan, or to consolidate a defaulted loan.
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cash (E4)<br />The most LIQUID of ASSETS, consisting of coin and banknotes; often defined as a zero-interest asset, although Goodhart and others have suggested that interest could be paid by running a national lottery on the serial numbers of the notes. Commercial banks also regard deposits at the 'central' bank as cash.<br /> <br /><em>Reference</em><br />Goodhart, C.AX. (1986) 'How can noninterest bearing assets co-exist with safe interest-bearing assets?', British Review of Economic Issues 8: 1-12.
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Old 08-07-2011, 10:07 AM   #485
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<strong>Lender of Last Resort (LLR)</strong> – A student loan lender that agrees to make Stafford Loans to qualified students, regardless of the type of school, school' s CDA, etc. The MDHE offers an LLR program for Missouri students.

reserve requirements (E5)<br />The proportion of the total assets of a COMMERCIAL BANK, or other deposit-taking institution, which a CENTRAL BANK insists should be kept in cash or short-term securities, usually with less than two years to maturity. Altering reserve requirements is a means of expanding or contracting the total money supply of an economy. In the USA, reserve requirements were instituted as early as the First Bank of the United States, founded 1791, in the twentieth century they were in force from 1913 to 1980. Reserves could be held in vault cash, a balance kept at a reserve bank or at a member bank which keeps reserves at the FEDERAL RESERVE.<br /> In the USA after the implementation of the MONETARY CONTROL ACT 1980 Various reserve requirements have been set: for net transaction accounts, 3 per cent of deposits (12 per cent for deposits over $40.4 million); for non-personal time deposits, 3 per cent if maturity of less than 1Y, years (zero if greater maturity) and 3 per cent on Eurocurrency liabilities.
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global depository receipt (G1)<br />A bank certificate referring to domestic shares sold internationally through the foreign branches of a bank_<br /><em>See also:</em> American Depository Receipt

<strong>Payment period</strong> – The basis on which a school must schedule and deliver disbursements for a particular loan period. A payment period is determined by the structure of the school' s academic program.

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Old 08-07-2011, 10:13 AM   #486
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Old 08-07-2011, 10:31 AM   #487
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refunding (E5, H6)<br />Issuing new government secuntles to replace bonds or other securities which have matured.<br /><em>See also:</em> overfunding

<strong>Lender</strong> – A lender in the FFEL Program may be a national or state chartered bank, a mutual savings bank, a credit union, an insurance company, or other entity that provides the actual student loan funds to schools and borrowers.

<strong>SAY</strong> – Scheduled Academic Year. The fixed period, as published in a school' s printed materials, that generally begins and ends at the same time each year. The SAY is the period to which the statutory definition of an academic year must be applied and must meet the statutory requirements of an academic year as defined by the U.S. Department of Education.

<strong>CTSF</strong> – Change Transaction Send File, the CommonLine file type used to send change transactions to guarantors, lenders, and/or servicers so that FFEL Program loans may be updated. CTSFs are divided into pre-disbursement transactions (@1-09) and post-disbursement change transactions (@1-10).
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Old 08-07-2011, 10:58 AM   #488
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HICKS and MEADE in the UK and with TOBIN, KLEIN, MODIGL!ANI and Blinder in the USA. To undertake this enhancement of Keynes's ideas, the 1s LM framework and the PHILLIPS cuRvE have been extensively used. This theoretical approach often refers to the failures of markets, particularly the labour market that does not clear because money wages are often inflexible downwards. A major policy prescription of this school of economics is DEMAND MANAGEMENT to keep an economy in equilibrium.<br /><em>Reference</em><br />Benassi, C., Chirco, A. and Colombo, C. (1994) The new Keynesian economics, Oxford and Cambridge, MA: BlackwelL

<strong>Meteor</strong> – Financial aid database providing information on students and their aid awards for FFEL Program loans, Pell Grants, state scholarships and grants, and other sources of aid. Also referred to as Meteor Network or Meteor Project.
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lump-sum tax (H2)<br />A tax of the same amount whatever the activity or circumstances of the taxpayer, e.g. a POLL TAX. A lump-sum tax on a firm increases its fixed costs but leaves MARGINAL cosT the same, and thus the output and price of a profit-maximizing firm are unaffected in the short run. In the long run, however, when all costs are variable, a high lump-sum tax would shut down some firms.
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Old 08-07-2011, 11:25 AM   #489
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contract curve (DO)<br />1 A curve connecting the points of tangency of two individuals' respective INDIFFERENCE CURVES such that the MARGINAL RATE OF SUBSTITUTION for them is the same.<br /> 2 AN rsoQUANT showing where the marginal rate of technical substitution is the same for the production of two different goods.<br /><em>See also:</em> Edgeworth box

<strong>NCHELP</strong> – National Council of Higher Education Loan Programs, the FFEL Program national association for guarantors and secondary markets. 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>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.

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Old 08-07-2011, 11:51 AM   #490
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<strong>MODEL Direct</strong> – A web loan delivery product offered by the MDHE and developed by ASA, the MDHE' s servicer. MODEL Direct allows schools and lenders to inquire on loans or borrowers, submit change transactions, manage files, and guarantee new loans within a real-time environment. See http://www.dhe.mo.gov/model.shtml for more information.

<strong>MODEL</strong> – Missouri Direct for Educational Loans, the MDHE' s system used to guarantee and track FFEL Program loans and borrowers.
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<strong>LTH</strong> – Less than half time, an enrollment status indicating the student is carrying less than a half-time academic workload, as determined by the school. Students who are less than half time are not eligible to borrow FFEL Program loans.

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