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<strong>Third-party servicer</strong> – In the case of a lender or guarantor, an entity that enters into a contract with a program participant to administer any aspect of its participation in a Title IV program.
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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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economic devolution (DO, PO)<br />1 The transfer of all economic decision making to individual households and businesses.<br /> 2 The principal characteristic of a MINIMAL STATE.
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<strong>LSDA</strong> – Late Stage Delinquency Assistance. Refers to procedures followed by Student Loan Counseling Services (SLCS) when a loan is 241 days delinquent or more. The MDHE contracts with SLCS for default aversion assistance services.

lag (E6)<br />The period of time elapsing between the change in value of an economic variable and the appearances of the effects of that change, e.g. the time lag between an income tax cut and an increase in consumer spending. These lags can be technological, psychological or institutional. They are a common feature of most economic relationships, especially relating to FISCAL POLICY, because a lapse of time is necessary before legislation and institutional behaviour can be adjusted: it takes time to change tax law, to pay out incomes and to spend money.<br /><em>See also:</em> administration lag; implementation lag; inside lag; Lundberg lag; outside lag; Robertsonian lag

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Lausanne School (B1)<br />A group of economists of the MARGINALIST School who worked in Switzerland in the late nineteenth century. With WALRAS and PARETO as its leaders it developed GENERAL EQUILIBRIUM analysis and set out the criteria for welfare optima. There are many prominent descendants of this school, including HICKS, SAMUELSON, ARROW and HAHN.
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New Economic Policy (P2)<br />The second phase of LENIN's economic policy for the USSR in the 1920s which, in an attempt to increase production, replaced war communism with decentralization of industry and a measure of privately owned small-scale trade.<br /><em>Reference</em><br />Krugman, P. (1991) Geography and Trade, Cambridge, MA: MIT Press.
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<strong>Disbursement Roster (DR)</strong> – The electronic file or paper report listing all disbursements and related information for each borrower.
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<strong>National credit bureau</strong> – A credit reporting agency with a service area encompassing more than a single region of the country. Examples of national credit bureaus include TransUnion and Equifax.

<strong>Loan period</strong> – The period of time for which the loan is certified. The loan period generally equals an academic year or term.

non-employment (Jl, J6)<br />Being without a job. The unemployed, retired, sick, the rich living on investment income alone and carers for dependants make up this population category. Some of this underutilization of labour is associated
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<strong>LLR</strong> – Lender of Last Resort, 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.
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production asymmetry (P4)<br />A characteristic of a DUAL ECONOMY resulting from the traditional agricultural sector using a different combination of factors of production from the modern industrialized sector.
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management accounting (M4)<br />The financial appraisal of the past, present and future activities of a firm. It includes CASH BUDGETrNG (a prediction of future cash inflows and outflows which indicates what further finance is required), CAPITAL BUDGETING (appraisal of investment plans) and TRANSFER PRICrNG. Management accountants are also concerned to monitor the design of present accounting systems to prevent fraud and to meet the growing needs of management for information. It developed from cost accounting in response to the increasing complexity of large firms.<br /><em>See also:</em> accounting; financial accounting
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<strong>Branch campus</strong> – A permanent location of a school that: is geographically apart and independent of the main campus; offers courses leading to a degree or recognized academic credential; has its own faculty and administration; and has its own budgetary and hiring authority.

<strong>XML</strong> – EXtensible Markup Language. Common Record: CommonLine (CR:C) files are XML files.
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<strong>Dear Colleague Letter (DCL)</strong> – A communication from the U.S. Department of Education that explains, clarifies, or provides guidance regarding federal regulations and statutes.
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<strong>Monetary adjustments</strong> – Term used within MODEL Direct for change transactions impacting a disbursement such as increasing or decreasing the certified loan amount, reducing or canceling a disbursement, etc.
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public sector debt repayment (H6)<br />UK budget surplus; a negative PUBLIC sEc. TOR BORROWING REQUIREMENT. A term coined by Chancellor of the Exchequer Nigel Lawson in his UK budget speech in March 1988.

<strong>Estimated need cutoff</strong> – The estimated need amount that students must demonstrate to qualify for the Gallagher and College Guarantee programs. The MDHE estimates the need cutoff each spring; the actual need cutoff is determined immediately prior to setting spending authority in FAMOUS.

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<strong>LLR</strong> – Lender of Last Resort, 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.
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