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<strong>Origination Fee</strong> – A fee charged to offset the federal government' s cost of interest subsidies (for subsidized Federal Stafford Loans) and reinsurance payments for loans that either default or are eligible for forgiveness or discharge. This fee, if charged to the borrower, may be subtracted from the borrower' s loan proceeds at the time of disbursement.
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<strong>TRIO</strong> – Special federal programs for students from disadvantaged backgrounds.

Bauer, Peter Thomas, 1915- (B3)<br />A prominent development economist born in Budapest, Hungary, and professor at the London School of Economics 196083. He was created a life peer on retirement. After early field work in Malaysia and West Africa, he progressed to a general study of economic development, emphasizing the superiority of markets as a method of allocation: he has long been a trenchant critic of many forms of economic aid and central economic planning and is therefore opposed to barriers to trade, investment and migration.<br /> <br /><em>Reference</em><br />Bauer, PT. (1948) The Rubber Industry, Cambridge, MA: Harvard University Press.<br /> - (1954) West African Trade, Cambridge: Cambridge University Press.<br /> - (1957) Economic Analysis and Policy in Underdeveloped Countries, Durham, NC: Duke University Press.<br /> - (1971) Dissent on Development Studies and Debates in Development Eco-

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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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contribution standard (D3)<br />A principle of income distribution that asserts that the productivity of different kinds of resources should determine income distribution. This principle is derived from the MARGINAL PRODUCflVITY THEORY of distribution and is criticized on the grounds that it is very difficult to apply as a factor of production's own productivity is often inseparable from others.<br /><em>See also:</em> equality standard
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abortive benefits (H2)<br />Social benefits which fail to achieve their purpose. There is no net increase in a recipient's income as the benefits are outweighed by income taxation. Proposals for a NEGATIVE rNCOME TAX, which would merge benefits and taxation into a single system, attempt to ensure that benefits raise net mcome.

<strong>Borrower</strong> – A person who obtains a loan and must repay it. This term is NOT synonymous with “student.”

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large-scale models (C5)<br />An econometric model of a national ECONOMY that uses hundreds of equations to estimate the relationship between key economic variables. These try to simulate different government policies and are the basis of major economic forecasts.<br /><em>See also:</em> linkage models

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<strong>MCCA</strong> – Missouri Community College Association. May be found on the world wide web at www.mocca.org.

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<strong>Overaward</strong> – Any amount of a student' s total financial assistance package (excluding Pell Grants) that exceeds the student' s financial need. May also be referred to as an overpayment.
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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>Flat file</strong> – Within systems terms, a flat file is a single file containing flat ASCII, or a string of characters. Data in flat files must be read and processed sequentially. CommonLine 4 files are flat files.
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<strong>Financial Assistance and Outreach Group</strong> – The division within the MDHE that administers Missouri' s state aid programs, such as the Charles Gallagher Student Financial Assistance Program.
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<strong>EAC</strong> – Electronic Access Code. Also Electronic Access Conference, an annual conference sponsored by the U.S. Department of Education.
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<strong>Department of Higher Education (DHE)</strong> – The Missouri state agency overseeing the state' s higher education systems and related policies and administering student aid programs, including the FFEL Program and state aid programs such as the Bright Flight Scholarship. Also known as the MDHE. The agency' s website may be found at www.dhe.mo.gov.

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