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<strong>Integrated Common Manual (ICM)</strong> – A policy and procedure manual for FFELP participants. The manual and related tools may be found at www.commonmanual.org.
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<strong>Integrated Common Manual (ICM)</strong> – A policy and procedure manual for FFELP participants. The manual and related tools may be found at www.commonmanual.org.

<strong>Interest rate</strong> – The maximum rate of interest that is charged on student loans is defined within federal statutes. In the FFEL Program, lenders often reduce the interest rate from the statutory maximum during the in-school or repayment periods for borrowers who pay on time or who meet specified eligibility requirements.
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permanent employment (J2)<br />A Japanese practice of offering lifetime employment to workers, when they join a firm from school or university. This became popular with firms short of labour in the 1950s and anxious about labour turnover. The system has rarely been applied to small firms and less to women than to men. Under this system, all employees, except senior management, retire at 55. Increasing pressures in the Japanese economy in the 1990s threatened the existence of the system.<br /><em>Reference</em><br />Taira, K. (I970) Economic Development and the Labor Market in Japan, New York: Columbia University Press.

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poop (G1)<br />A person with insider information capable

<strong>Satisfactory Academic Progress (SAP)</strong> – To remain eligible for most types of financial aid, the student must maintain satisfactory academic progress as defined by the school.
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soft modelling (C5)<br />A form of factor analysis with as few PARAMETERS as possible. This approach is used to build socioeconomic models where there is little information on the place of each variable in a causal chain.<br /> <br /><em>Reference</em><br />Joreskog, K. and Wold, H. (1982) Systems under Indirect Observation, Amsterdam: North-Holland.

<strong>KC-RAP</strong> – The Kansas City area group of financial aid professionals, normally meeting several times a year.
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<strong>PIN</strong> – Personal Identification Number.
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<strong>Application Send File</strong> – The CommonLine file type used to send application information to guarantors and/or other entities so that FFEL Program loans may be guaranteed and disbursed.
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<strong>MOBIUS</strong> – Missouri Bibliographic Information User system, a consortium of academic libraries. May be found on the world wide web at http://mobius.missouri.edu/.
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<strong>CBO</strong> – Congressional Budget Office.

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additional facilities (F3)<br />Extra credit arrangements of the INTERNATIONAL MONETARY FUND to ease the balance of payments difficulties of member countries. These include: 1963 Compensatory Financing Facility to provide compensation for a shortfall in expor t earnings;<br />1969 Buffer Stock Financing Facility;<br />1974-5 Oil Facility;<br />1974 Ex tended Fund Facility;<br />1974 Supplementary Financing Facility;<br />1986 Structural Adjustment Facility.

dole bludger (J6)<br />An Australian unemployed person who does not seek work but enjoys a life of leisure financed by social security benefits. Abolition of unemployment benefit was intended to force such persons into retraining or job search.<br /><em>See also:</em> job-seeker's allowance; New Deal

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<strong>Choosing the Best School 4U</strong> – tips and guidelines for selecting a post-secondary institution and an academic year calendar to help you stay on track as you prepare for college and work through the financial aid process. 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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Appropriation Bill (H5)<br />A US federal legislative bill authorising expenditure for a particular purpose, e.g. defence, which has to be passed by both the US House of Representatives and the Senate. Annually all the bills are expected to be reconciled by a Reconciliation Bill by the end of June; if reconciliation is impossible, a continuing resolution is passed which permits departments to continue at their current expenditure levels.
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<strong>NCA</strong> – North Central Association Commission on Accreditation and School Improvement, an academic accrediting body.

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