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stabilization policy (E3) see countercyclical policy
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international comparisons (E6, FO) Assessment of the relative performance of different national economies. Since 1945 the advent of NATIONAL INCOME accounting has Jed to GROSS DOMESTIC PRODUCT and GROSS NATIONAL PRODUCT measures being frequently used for this purpose. Microeconomic institutions are also compared with a view to remodelling them in the light of foreign experience. Before the systematic and regular collection of economic statistics, international comparisons in the form of travellers' accounts of foreign countries were often used by economists, e.g. PETrY, SMITH and MALTHUS.

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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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<strong>MARIO</strong> – Missouri Advantage Repayment Incentive Option, a student loan forgiveness program for individuals working in Missouri' s life science companies. MARIO was created by a partnership between the MDHE, MOHELA, and the Missouri Department of Economic Development.
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Reciprocal Trade Agreements Act 1934 (F1)<br />US federal trade statute of the Roosevelt Administration that attempted to undo the PROTECTIONISM of the SMOOT HAWLEY TARIFF ACT by authorizing the president to negotiate bilateral, reciprocal trade agreements to reduce the tariffs introduced in 1930. The US Congress repeatedly voted three-year extensions of the powers under this Act.
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<strong>Gift aid</strong> – Financial aid that does not have to be repaid, including grants and scholarships.
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Organization for European Economic Co-operation (FO)<br />An international organization founded in 1948 to administer US aid to the eighteen West European countries benefiting under the Marshall Plan. Its principal achievements were the creation of the European Monetary Agreement in 1956, its organization of the negotiations which established the EUROPEAN COMMUNIIT and its contribution to trade liberalization. The ORGANIZATION FOR ECONOMIC CO-OPERATION AND DEVELOPMENT SUCCeeded it in 1961.

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<strong>Electronic signature (e-sign)</strong> – Information in electronic format that is attached to or logically associated with an electronic record and used by a person with the intent to sign the electronic record. Students, parents, and borrowers may electronically sign the FAFSA, a FFEL Program loan application, or other student aid document.
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free rider (D1, J5)<br />An individual who does not pay for the goods or services he or she consumes. Free riders include non-residents using the public services of a city and non-unionized workers who gain wage increases achieved under COLLECTIVE BARGAINING, without paying dues to a union to represent them. In the case of public goods the free-rider problem has resulted in the finance of such goods by general taxation; under trade unionism, the existence of free riders has led to demands for a UNION or cwsED SHOP.

<strong>Mapping Your Future (MYF)</strong> – An organization sponsored by FFEL Program participants, such as the MDHE, to offer online student loan counseling, financial literacy and debt management tools, outreach and early awareness activities, and other services. May be found on the world wide web at www.mapping-your-future.org.
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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.

high net worth individual (J3) A rich person.<br /> See also: fat cat
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<strong>IFAP</strong> – Information for Financial Aid Professionals, an electronic library (www.ifap.ed.gov) provided by the U.S. Department of Education which includes publications and regulations for the federal student aid programs.

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<strong>Dependent student</strong> – A student who does not meet the eligibility requirements for an independent student under section 480(d) of the Higher Education Act of 1965.
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current cost accounting (M4)<br />A form of accounting which includes adjustments for the effects of inflation. The UK's Statement of Standard Accounting Practice 1980 required several adjustments to be made: to DEPRECIATION for fixed assets which had risen in price, to sales figures for the higher cost of replacing stocks and to monetary working capitaL<br /><em>See also:</em> inflation accounting; Sandilands Report

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<strong>Federal Default Fee (FDF)</strong> – A loan program fee required by the Deficit Reduction Act of 2005 to offset the risk of default and its subsequent costs. All Stafford and PLUS Loans guaranteed on or after July 1, 2006 must be assessed a one percent default fee. The fee either must be deducted from the borrower' s loan proceeds at the time of disbursement or paid by a third party from other non-federal sources (such as by a lender or servicer). Also referred to as DFee.
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Solow neutral (03)<br />TECHNICAL PROGRESS which increases capital but does not affect the distribution of GNP between labour earnings and capital yield.<br /><em>Reference</em><br />Solow, R.M. (1956) 'A contribution to the theory of economic growth', Quarterly Journal of Economics 70: 65-94.

<strong>Master Promissory Note (MPN)</strong> – A common form that allows a student or parent to borrow multiple loans for multiple academic years and providing repayment obigations information (rights and responsibilities). A signed borrower MPN is required before student loan funds can be disbursed to the school.
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merger (G3)<br />An amalgamation of two or more firms into a new firm. A vertical merger occurs when firms in industries at different stages of bringing a good to the final consumer i.e. extractive, ma nufacturing or distribu tion, join together. If the firms are in the same industry, there is a horizontal merger. A CONGLOMERATE MERGER is an amalgamation of firms with dissimila r activities. Mergers often come in waves, particularly in times of general economic depression as a way of reducing costs, e.g. in the USA in 19031 and in the UK in the 1920s. As a high proportion of conglomerate mergers fail to make efficiency gains in RESEARCH AND DEVELOPMENT, production or marketing, it is a rgued that they are without
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<strong>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.
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<strong>Add Loan</strong> – Application processing feature within MODEL Direct. The Add Loan process provides a realtime guarantee for loan applications.

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