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contracting out (L2, L3)<br />Partial PRIVATIZATION of a public service often through employing subcontractors to undertake a specific function such as cleaning, laundering or accounting.
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Robinson-Patman Act 1936 (L4)<br />US federal statute outlawing particular forms of PRICE DISCRIMINATION which were in favour of large purchasers. A discount to a larger buyer has to be either based on differences in cost or justified as a price to meet the low price of a competitor.<br /><em>See also:</em> antitrust
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pork barrel legislation (H5)<br />US federal legislation that grants federal money to projects non-essential in character and of benefit to small areas in the hope of maintaining voters' loyalty. As most of the taxpayers financing this expenditure do not benefit because of its connections with specific localities, it is usually only possible to pass such legislation by including it in wider bills of national appeal and by LOGROLLING.
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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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rate support grant (H7)<br />An expenditure subsidy previously paid by the UK government to local authorities which resulted in less having to be raised by rates (local property tax). This grant on average was equal to about one-half of total local government expenditure. Central government, in order to ensure that minimum standards of services, e.g. in education, are maintained, has to provide this subsidy. After the domestic rates were replaced by the COMMUNITY CHARGE, the rate support grant was replaced by a REVENUE SUPPORT GRANT.
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penny share (G1)<br />A share in a UK company worth less than 50p. The potential for capital growth is considerable for many of these securities.<br /><em>See also:</em> heavy share

<strong>DE</strong> – U.S. Department of Education, which may also be referred to as ED, USDE, or simply the Department.

cost of living index (J3)<br />Now termed in the UK the RETAI L PRICE INDEX. It shows changes in the cost of purchasing a bundle of goods and services representative of the average consumer. The Ministry of Labour and now its successor, the Department for Education and Employment, had to maintain this index as it is of crucial importance to wage bargaining.<br /><em>See also:</em> consumer price index
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<strong>EDExpress</strong> – A PC-based software offered by the U.S. Department of Education to schools to administer the Federal Pell Grant Program and the direct loan program.

Exchange Rate Mechanism (F3)<br />A crucial element of the EUROPEAN MONETARY SYSTEM which links the values of participating European currencies and limits the extent of their fluctuations to 2.25 per cent against the rest in the system, unless a wider band has been specially negotiated, e.g. Spain's and the UK's 6 per cent. Also it produces indicators of currency divergence against the ecu, makes available short-term credit to support intervention in foreign exchange markets on behalf of currencies which diverge too far and, in extreme cases, realigns currencies at new EXCHANGE cRoss-RATES. The ERM reduces speculative gains from changes in exchange rate movements and concentrates the minds of investors on the interest rate offered for deposits in a particular currency, unless there are frequent realignments.<br /> <br /><em>Reference</em><br />Giavazzi, F. and Spaventa, L. (1990) The 'New' EMS, Paper No. 369, London: Centre for Economic Policy Research.
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<strong>Web loan delivery product</strong> – An online system that allows schools, borrowers, and/or lenders to inquire on loans or borrowers, submit change transactions, manage files, and guarantee new loans via the internet. The MDHE' s product is called MODEL Direct.

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<strong>CDR</strong> – Cohort Default Rate. As defined within 34 CFR 668.181</strong> – 668.198 (subpart M), the percentage of Stafford Loan borrowers who default before the end of the fiscal year following the fiscal year in which they entered repayment on their loans. The U.S. Department of Education calculates this rate annually for each school participating in the federal student loan programs. The most recent period for which final CDRs have been published is 2004. Schools may also obtain their draft CDR for 2005.

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