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<strong>Template</strong> – Feature within MODEL Direct allowing a school to establish common values, such as loan period dates, that can be applied to multiple loans being certified.

<strong>Leave of Absence (LOA)</strong> – An approved leave of absence is a break in enrollment, not including a regularly scheduled semester break or spring break, that is requested by the student and approved by the school. The student' s request must be in writing and must include the reason for the leave. An LOA cannot exceed 180 days in any 12-month period.

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competitive process (Ll)<br />A process consisting of two opposing tendencies: the transfer mechanism which reallocates the market shares of the less efficient firms to the more efficient and the INNOVATION mechanism which enables firms lagging behind their competitors to introduce new products or processes to reassert their position in a market.<br /> <br /><em>Reference</em><br />Downie, J. (1958) The Competitive Process, London: Duckworth.

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external economy of scale (DO)<br />A reduction in the AVERAGE COSTS of a firm as a result of the expansion of the whole industry of which it is part. A major example of these economies occurs in the case of the training of labour: the general expansion of an industry requires more skilled labour to provide a pool of suitable labour for other firms.<br /><em>See also:</em> internal economy of scale
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<strong>Servicer</strong> – 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.

new issue (G2)<br />The shares offered by a company when it is marketing its securities on a stock market for the first time or raising additional capitaL The shares can be issued by TENDER or by prospectus.<br /><em>See also:</em> placing; rights issue; stag

price stabilization (L5)<br />A scheme to maintain product prices at a constant price level in order to stabilize producer incomes. This is a method extensively used for PRIMARY PRODUCTS. Under such schemes, a BUFFER STOCK is established to adjust supply to fluctuations in demand and a price is set which, it is hoped, will avoid excessive accumulation or decline in the stocks held. Attempts by KEYNES in 1942 to establish a global scheme were frustrated by governments opposed to state intervention in markets. Some schemes instituted by UNCTAD have survived only a few years.<br /><em>Reference</em><br />Newbery, D.M.G. and Stiglitz, J.E. (1981) The Theory of Commodit y Price Stabilization: A Study in the Economics of Risk, Oxford: Clarendon Press.

distributional/social weights (C1)<br />The increased weighting of one social or income group in COST BENEFIT ANALYSIS. This gives a group more significance: for example, if the LOWER QUARTILE of an income distribution is given a weight of 4 but the UPPER QUARTILE only 1 then costs and benefits affecting the lowest income group will be regarded as four times as important as those of the top group.

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<strong>Skip tracing</strong> – Efforts to locate a borrower' s telephone number or address when such information is unknown.

New Cambridge economics (B2)<br />The analytical approach of the CAMBRIDGE ECONOMIC POLICY group led by Wynne Godley who offered an ALTERNATIVE ECONOMIC STRATEGY for the UK economy in the 1970s. The group believed that inflation can be caused by trade union power, an increase in world commodity prices and devaluation. Its policy recommendations included an expansionary fiscal policy, import quotas to correct balance of payments problems and the setting of tax rates at a level likely to bring about full employment and a balance of payments equilibrium.<br /><em>Reference</em><br />Cuthbertson, K. (1979) Macroeconomic Policy. The New Cambridge, Keynesian and Monetarist Controversies, London and Basingstoke: Macmillan.

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<strong>Mapping Your Future (MYF) Online Stafford Exit Counseling Leaflet</strong> – A guide to completing student loan exit counseling online through Mapping Your Future, 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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