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hedge ratio (G1)<br />The ratio of the number of OPTION contracts to the position in the underlying instrument being hedged against.
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<strong>NCA</strong> – North Central Association Commission on Accreditation and School Improvement, an academic accrediting body.

<strong>Smart Approach to Student Loans and Consumer Debt</strong> - A comprehensive guide to understanding a student loan from start to finish. 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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reserve assets (E5, G2)<br />Cash and highly liquid monetary assets required to be held by financial institutions, especially banks, under the rules of a CENTRAL BANK. In the UK these have been defined as balances with the BANK oF ENGLAND (other than SPECIAL DEPOSITS), TREASURY BILLS, company tax reserve certificates, some local authority and commercial bills and UK government stocks with less than
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<strong>Loan transfer</strong> – Any action that results in a change of the system used to service a loan.
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trickle-down theory (01)<br />A theory of economic DEVELOPMENT asserting that development should follow traditional growth patterns with prosperity gradually coming to the least deprived members of society. This theory has also been applied to advanced free market economies in which the richer members of society through their spending raise the real incomes of the poor. The extent of trickling down is usually measured by an increase in the real incomes of the poor, rather than by the removal of all income inequality which would need a 'flood'.<br /><em>See also:</em> dual economy; Mandeville
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<strong>Disbursement</strong> – 1) The transfer of loan funds by the lender to the school or escrow agent. (Note: under limited circumstances, a lender may also disburse funds directly to the borrower.) For a Federal Consolidation Loan, disbursement occurs when loan proceeds are transferred from the consolidating lender to the current holder of the loan being consolidated, which pays the original loan in full. 2) For the state student assistance programs administered by the MDHE, disbursement is the transfer of grant or scholarship funds to the school, or in some instances, to the student. Disbursement to the school occurs via EFT or master check. Disbursement to a student occurs via individual check.

profit centre (M4)<br />A part of a firm or other organization
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08-05-2011 01:09 AM

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<strong>Emergency action</strong> – A special action taken by the guarantor or by the U.S. Department of Education to temporarily suspend a school, lender, or servicer from participation in the federal student aid programs. An emergency action may be followed by the initiation of formal Limitation, Suspension, and Termination procedures.

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floor (E3, E4)<br />1 The trough of a business cycle or trade cycle after which production, employment and prices rise.<br /> 2 The minimum rate of interest which an issuer of a floating rate security is required to pay.<br /><em>See also:</em> cap; ceiling; collar
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08-05-2011 01:32 AM

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least squares method (C1)<br />A method of obtaining the best-fitting line to a set of observations by minimizing the squares of the deviations of the values plotted from a line going through the values. The line can be described by the equation Y = a + bX, where a and b are constants, Y is the dependent variable and X is the independent variable and is the regression curve of Yon X.<br /><em>See also:</em> scatter diagram legal tender (E5)<br />The money decreed by a central bank or a currency commission that must be accepted for the discharge of any debt in that country. This makes token money acceptable. Bank of England notes are legal tender in England and Wales but not in Scotland and Northern Ireland, but ?1 and ?2 coins are acceptable for unlimited amounts. In the USA the Coinage Act 1965 made all US notes and coins legal tender.

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bid vehicle (Q2)<br />A proposed means of payment based on surveys to make a CONTINGENT VALUATION, e.g. the amount of cash charged to obtain a permit to hunt wildlife.

<strong>Permanent resident of the United States</strong> – A person who meets certain requirements of the U.S. Citizenship and Immigration Services (USCIS), a division of the Department of Homeland Security (DHS). (Formerly known as the INS. On March 1, 2003, the INS transitioned into the DHS and was renamed the USCIS.)
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08-05-2011 01:57 AM

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<strong>Non-term-based institution</strong> – A school that measures its academic year in credit or clock hours rather than academic terms such as quarters or semesters.

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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.

Export Import Bank (G2)<br />Washington bank set up in 1934 as an agency of the US federal government to facilitate and finance exports, e.g. by issuing guarantees, direct loans and insurance programmes to minimize buyers' default.

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bank holding company (G2)<br />A company which owns one or more banks and, often, firms engaged in non-banking activities. The development of such companies in the USA in the twentieth century made the expansion of banking possible, despite the existence of UNIT BANKING.
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export (F3)<br />The sale to a resident of another country of a domestically produced good or service. Unless an economy is self-sufficient, it will be necessary for it to export in order to be able to pay for the imports demanded by its residents. The volume of a country's exports has many determinants, including the exchange rate, marketing methods, delivery times, product design and government subsidization, especially the guarantee of export finance so that firms will not be discouraged from exporting by the risk of buyers' defaulting. Exports net of imports are included in the GROSS DOMESTIC PRODUCf.<br /><em>See also:</em> import

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08-05-2011 02:50 AM

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<strong>Totally and permanently disabled</strong> – the condition of an individual who is unable to work and earn money due to an injury or illness that is expected to continue indefinitely or eventually result in death.
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<strong>Meteor</strong> – Financial aid database providing information on students and their aid awards for FFEL Program loans, Pell Grants, state scholarships and grants, and other sources of aid. Also referred to as Meteor Network or Meteor Project.

<strong>Scholarship</strong> – Financial assistance that is usually based on merit or ability and that does not have to be repaid.
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Clayton Act 1914 (L4)<br />The important amendment to the US SHERMAN ACT 1890 which extended federal ANTITRUST Jaw. It forbad PRICE DISCRIMINATION, tying arrangements and exclusive dealing, and the acquisition of another corporation's stock if it was likely to reduce competition or lead to the creation of a monopoly; it also allowed triple damages to those suffering breaches of the antitrust law. It exempted labour unions and agricultural associations from antitrust actions.<br /><em>See also:</em> Celler-Kefauver Antimerger Act; Robinson-Patman Act
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08-05-2011 03:13 AM

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<strong>Financial Aid Management System (FAMS)</strong> – Software used by the school to administer all aspects and types of financial aid. FAMS products include Datatel' s product Colleague, PeopleSoft, SCT' s product Banner, the College Board' s product PowerFAIDS, and many others.
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<strong>PT</strong> – Part time, a term used to describe students attending school with less than a full-time academic workload, as defined by the school.

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long period (DO)<br />1 The period in which all adjustments have been made to a price change.<br /> 2 The period in which supply is very ELASTIC as a great expansion in the quantities of factors of production is possible.<br /><em>See also:</em> Marshallian long period

<strong>DHS</strong> – Department of Homeland Security. On March 1, 2003, the DHS absorbed the former federal agency, Immigration and Naturalization Service (INS). At that time, the INS was renamed the U.S. Citizenship and Immigration Services (USCIS).
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new classical economics (B2)<br />A modem US and UK school of economics combining the use of the RATIONAL EXPECTATIONS hypothesis with MONETARISM and a LAISSEZ-FA!RE approach to economic policy. All markets are assumed to be perfectly competitive in their behaviour and all unemployment is voluntary because it arises only when employers and employees make mistakes. Central to this technically sophisticated theory is the belief that markets clear. The principal proponents of these views in the USA are LUCAS and Thomas Sargent; in the UK, Patrick Minford and Michael Beenstock.<br /><em>See also:</em> perfect competition <br /><em>Reference</em><br />Buiter, W.H. (1980) 'The macroeconomics of Dr Pangloss: a critical survey of the new classical macroeconomics', Economic Journal90: 34-50.<br /> Hoover, K.D. (1988) The New Classical Economics, Oxford: Basil Blackwell.

& where Y is national income, C is aggregate consumption and I is net investment, the multiplier is 11(1 - MPC), with MPC the marginal propensity to consume; for an open economy described by the equation

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08-05-2011 04:23 AM

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<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>Template</strong> – Feature within MODEL Direct allowing a school to establish common values, such as loan period dates, that can be applied to multiple loans being certified.

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<strong>Promissory note</strong> – A legally binding agreement the borrower signs, or e-signs, to obtain a loan under the FFEL Program. The current promissory note format in place is referred to as an MPN, which allows the borrower to obtain multiple loans for multiple years of school using the same promissory note.
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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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budget constraint (DO)<br />A line showing the maximum amount of goods, in different combinations, which a consumer can obtain from his or her income. It is drawn in combination with INDIFFERENCE CURVES to indicate the maximum utility which can be obtained from a particular level of real income. In the figure, if AB is the budget line and I1, I 2 and I3 are indifference curves, then M is the combination of quantities of goods X and Y at which this consumer maximizes utility. The slope of this budget line shows the relative prices of the two goods; a shift of the line away from the origin indicates an increase in real income.

intermediate target (E6)<br />A guide to the policy strategy needed to reach an ultimate policy goal, e.g. a rate of growth of the money supply designed to achieve inflationless economic growth.

<strong>SAL</strong> – School as Lender. A school, other than a correspondence school, that has been approved to act as a lender under the FFEL Program for its graduate and professional students. (Note: to participate as an SAL, the school had to be participating as of April 1, 2006. No new schools are being approved to act as their own lender.)

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08-05-2011 01:16 PM

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<strong>TRIO</strong> – Special federal programs for students from disadvantaged backgrounds.

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<strong>PG</strong> – Print and Guarantee, a type of application process flow within the FFEL Program and outlined in CommonLine file specifications. In a “PG” process flow, the school submits loan application information to the guarantor or lender, and that entity then either mails a paper MPN to the borrower for completion or makes the application available online for the borrower to access and complete. Once the borrower completes his/her portion of the application process, the loan is guaranteed. A PG process often works well for PLUS loans, whereby the borrower must first pass a credit check before the loan can be guaranteed.
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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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paperless entry (G2)<br />Electronic banking pioneered by the System Committee on Paperless Entry set up by the bank clearing houses of San FranCisco and Los Angeles and the Federal Reserve in 1968. By 1978 a national network was set up.<br /><em>See also:</em> dematerialization

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<strong>Accrued interest</strong> – Each day interest is calculated on the unpaid principal balance of a loan and increases (accrues). Interest accrues on a subsidized Stafford Loan after the grace period is completed and the borrower enters repayment. For unsubsidized Stafford, parent PLUS, and Grad PLUS Loans, on the other hand, interest begins to accrue after the first disbursement of the loan.

<strong>CBO</strong> – Congressional Budget Office.

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<strong>FDLP</strong> – The William D. Ford Federal Direct Loan Program, a federal student loan program through which the U.S. Department of Education loans money directly to students and parents rather than having the loans funded by private lenders, as in the case of the FFEL Program.

bid price (G1)<br />The selling price for UNIT TRUST units or shares of companies.

product market (DO, M3)<br />A set of relationships between buyers and sellers to retail goods or services.
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<strong>Need analysis</strong> – A standardized assessment of the ability of a student and family to contribute toward educational expenses. The need analysis formula currently used when students complete the FAFSA is referred to as Federal Methodology.

<strong>ESC</strong> – Electronic Standards Committee, a committee sponsored by NCHELP through which CommonLine and other electronic file formats and methods are determined.
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brown good (D2, L6)<br />A consumer durable used for leisure purposes, e.g. a television set or a compact disc player.

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marginal propensity to save (E2)<br />The change in saving resulting from income increasing by one unit. In a simple economy described by the equation national income = consumption + saving, the MARGrNAL PROPENSITY TO CONSUME plus the marginal propensity to save is equal to unity. An economy with a high marginal propensity to save will have little scope for MULTIPLIER expansion of its national income as saving is a withdrawal from the CIRCULAR FLOW of income.
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regional banking pacts (G2)<br />US banking agreements used to overcome the restrictive banking legislation that banned interstate commercial banking to create, in effect, interstate banks. The first pacts were between neighbouring states, e.g. in New England, excluding MONEY CENTRE BANKS.
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patent (03)<br />An official document conferring exclusive privileges on an invention for a period of years. Patents create a formidable technological barrier to entry, establishing and maintaining MONOPOLY POWER. Si nce patents allow monopoly profits to accrue to their inventors, they are a major private incentive to research and development. Nonpatent-holders can onl y use patented technical knowledge by licence. Although the patent system may encourage inventors, it has been criticized on the grounds that all scientific knowledge should be a free good and that the considerable legal costs of registering and protecting a patent exclude the poor inventor from using the system.<br /><em>See also:</em> invention; product cycle
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export subsidy (F1, H2)<br />A reduction in the cost of exports brought about by a government grant. There can be reductions in the costs of labour, of capital or of export financing, as well as more favourable tax treatment. SMITH referred to such subsidies as 'bounties'.

difficulties for the financing of public expenditure. Many other economies have experienced this phenomenon, e.g. Jamaica with its bauxite industry, Venezuela with its petroleum industry.<br /><em>Reference</em><br />Corden, W.M. and Neary, L.P. (1982) 'Booming sector and de-industrialization in a small open economy', Economic Journal92: 825-48.<br /> Wijnbergen, S. van (1984) 'The Dutch disease: a disease after all?', Economic Journal94: 41-55.
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international comparisons of the cost of living (D6, FO)<br />The cost of purchasing the same representative bundle of goods and services in different countries of the world. Regular surveys are carried out to ascertain the

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<strong>Verification</strong> – A school' s procedure for checking the accuracy of information reported by students on their FAFSAs.
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annual percentage rate (of interest)<br />(E4, GO)<br />Actual annual cost of borrowing. The Truth in Lending Act (USA, 1968) and the Consumer Credit Act (UK, 1974) have required all lenders to state the true cost of borrowing. This annual rate, expressed as a percentage, is calculated by using the formula APR = 100 ( amount of . t credit selling conditions and other measures less serious than monopolization or cartelization.<br /> where t is the number of years of the loan.

<strong>ELM</strong> – A non-profit mutual benefit company formed and owned by its lender, servicer, and guarantor members. ELM provides software for FFEL Program and private loan processing and CommonLine file exchange.
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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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European Monetary Co-operation Funds (F3)<br />Part of the EUROPEAN MONETARY SYSTEM that finances imbalances in payments between the countries participating.
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<strong>Recertification</strong> – A process occurring every three years through which institutional eligibility for participation in the MDHE' s state student financial assistance programs is reviewed. Institutions must complete a recertification application to maintain eligibility.

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Schumacher, Ernst Friedrich, 1911-77 (B3)<br />UK economist and prophet who was born in Bonn and educated at Berlin, Bonn, Oxford and Columbia Universities. When he was interned in the UK in 1940-5, he worked first as an agricultural labourer and then at the Oxford Institute of Statistics on the problem of a new INTERNATIONAL MONETARY SYSTEM, which he discussed with KEYNES. He was naturalized British at the end of the war so that he could become a member (1946-50) of the British section of the Control Commission in Germany. From 1950 to 1970 he was economic adviser and subsequently Director of Statistics to the National Coal Board. His increasing interest in Buddhism gave his economics a distinctively ecological character and prompted his appointment as economic adviser to the government of Burma. He was the princi- pal proponent of INTERMEDIATE TECHNOLOGY and of self-help to solve the rural poverty problems of less developed countries. His famous attack on materialism and consumerism was in his immensely popular set of essays Small is Beautiful; as its subtitle A Study of Economics as if People Mattered claimed, there can be an economics based on humanitarian considerations.<br /> <br /><em>Reference</em><br />Schumacher, E. F. (1973) Small is Beautiful: A Study of Economics as if People Mattered, London: Blond & Briggs.<br /> Wood, B. (1984) Alias Papa: A Life of Fritz Schumacher, London: Jonathan Cape.

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with a short-term balance of payments problem, similar to a COMPENSATORY FINANCIAL FACILITY. The loan has to be repaid over a three- to five-year period.

<strong>SFA</strong> – Student Financial Aid or Assistance.
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Muth-Mills model (R4)<br />A study of the relationship between the differential costs of commuting in an urban area and the differences in house prices. This model is used to explain the internal structure of cities. Lower house prices in the suburbs are sufficient to justify high commuting costs to the central business district.<br /><em>Reference</em><br />Mills, E.S. (1967) 'An aggregative model of resource allocation in a metropolitan area', American Economic Review 57: 197-210.<br /> Muth, R.E (1969) Cities and Housing, Chicago: Chicago University Press.
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