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physical quality of life index (D6)<br />A measure of ECONOMIC WELFARE more sophisticated than GROSS NATIONAL PRODUCT per capita. This index, pioneered by the Overseas Development Council of Washington, DC, is based on the percentage of literacy in a population, infant mortality and life expectancy after age 1 (to avoid double counting of infant deaths). Some countries rank much lower by this index than by per capita gross national product, e.g. oil-producing countries. Critics of the index are concerned about its narrowness as there are so many other physical indicators of welfare.<br /> <br /><em>Reference</em><br /> Morris, M.D. and Alpin, M.B. (1980) Measuring the Condition of the World's Poor: The Physical Quality of Life Index, New Delhi: Promilla.
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<strong>Standard repayment schedule</strong> – A repayment schedule under which the borrower pays the same amount for each installment payment throughout the entire repayment period OR pays an amount that is adjusted to reflect annual changes in a variable-rate loan.
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aftermarket (G2)<br />The trading in securities immediately after they have been issued.

<strong>Unconsummated loan</strong> – Loan proceeds that the school returned to the lender prior to the borrower' s having cashed the check or the school having applied the proceeds to the student' s account.
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<strong>FAA</strong> – Financial Aid Administrator, a staff member at an eligible school who administers financial aid programs.

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<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>VR</strong> – Vocational Rehabilitation. The Missouri Department of Elementary and Secondary Education (DESE) administers VR programs.
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<strong>DHS</strong> – Department of Homeland Security. On March 1, 2003, the DHS absorbed the former federal agency, Immigration and Naturalization Service (INS). At that time, the INS was renamed the U.S. Citizenship and Immigration Services (USCIS).
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<strong>Campus-Based Aid</strong> – Campus-based aid programs include Federal Work Study (FWS), the Federal Perkins Loan Program, and the Federal Supplemental Educational Opportunity Grant (FSEOG).

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<strong>GUI</strong> - Graphical User Interface. The MDHE' s FAMOUS system is comprised of three GUis, one for each of the following: 1) postsecondary institutions (PSis), 2) high schools, and 3) the MDHE.
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cross-subsidization (Ll, L3)<br />The financing of an unprofitable part of an enterprise by a more profitable part. A public enterprise, instead of following the rule of attributing costs properly to each division to make each part of that enterprise individually financially accountable, could allow the profitable divisions to finance loss-making divisions. In the private sector, cross-subsidization occurs within firms if some of their products are sold at less than incremental cost. To ensure maximum efficiency, firms should avoid this practice as far as possible.
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- (1981) Essays in Trespassing: Economics to Politics and Beyond, Cambridge: Cambridge University Press.

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Harsanyi, John Charles, 1920-2000 (B3) Educated at Budapest, Sydney and Stanford Universities. After teaching at Budapest, Queensland, Stanford and Wayne State Universities, he became professor of business administration at the University of California at Berkeley from 1964 to 1990. He examined what it means for rational persons to make ethical judgements, and the games theory problem of establishing appropriate behaviour for rational persons, companies and nations in conflict with each other. His major works include Rational Behaviour and Bargaining Equilibrium (1977) and A General Theory of Equilibrium Selection in Games (1988, with Reinhard Selten). He shared the NOBEL PRIZE FOR ECONOMICS in 1994 with NASH and SELTEN.
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National Institute for Economic and Social Research (E6)<br />UK independent economics institute founded in 1938 to research into economic and social conditions. Apart from occasional pamphlets, it publishes an influential quarterly review and undertakes its own economic forecasting.
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<strong>Financial literacy</strong> – The ability to read, analyze, manage, and communicate about the personal financial conditions affecting material well-being. This term is used to describe financial education programs on college campuses and within high schools. The objective of financial literacy programs is to help students better manage their finances, budget effectively, and borrow wisely.

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