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Old 08-03-2011, 04:51 AM   #241
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<strong>Plain Language Disclosure statement</strong> – Document providing FFEL Program terms and other information in “plain language” (instead of jargon).
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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.
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Old 08-03-2011, 04:53 AM   #242
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Old 08-03-2011, 04:55 AM   #243
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Old 08-03-2011, 05:16 AM   #244
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labour cost (J2)<br />All the costs of employing a person. In addition to wages or salaries, FRINGE BENEFITS and group facilities are often financed by an employer. In countries such as the USA where COLLECTIVE BARGAINING covers a wide range of issues, total labour costs can be considerably greater than the total wage and salary bilL
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follow the narrow New York rule of having a single market-maker per stock. In 1987, there were forty in London, a much larger number than thought necessary.<br /><em>See also:</em> jobber; primary dealer
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<strong>MODEL Direct</strong> – A web loan delivery product offered by the MDHE and developed by ASA, the MDHE' s servicer. MODEL Direct allows schools and lenders to inquire on loans or borrowers, submit change transactions, manage files, and guarantee new loans within a real-time environment. See http://www.dhe.mo.gov/model.shtml for more information.

comparable worth (J3)<br />The relative value of a worker's labour based on productivity rather than personal characteristics. A principle adopted in Australia in 1972 and introduced in three Cloth Wine 100 men 120 men 90 men 80 men uniform steps by June 1975 to counter ######UAL DISCRIMINATION.<br /><em>See also:</em> Equal Pay Acts 1963 and 1970 <br /><em>Reference</em><br />McGavin, PA. (1983) 'Equal pay for women: a reassessment of the Australian experience', Australian Economic Papers 22: 48- 59.
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Old 08-03-2011, 05:37 AM   #245
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Council of Economic Advisers (H1)<br />The team of three in the USA which advises the president on the state of the economy. This council was set up under the EMPLOYMENT ACT 1946. A principal task of the council is to assist the president in preparing his annual Economic Report to the Congress, a report formulating broad guidelines for stabilization policy and other aspects of the government's economic programme. The academics chosen as members of the council usually have political views close to those of the administration.<br /> <br /><em>Reference</em><br />Feldstein, M. (1992) 'The Council of Economic Advisers and Economic Advising in the United States', Economic Journa/102: 1223-34.

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<strong>Unsubsidized loan</strong> – A loan that is not based on need and is NOT eligible for federal interest benefits. The borrower is responsible for the interest that accrues on any unsubsidized loan, including unsubsidized Federal Stafford Loans, Federal PLUS Loans, and Graduate PLUS Loans.

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Old 08-03-2011, 05:59 AM   #246
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bankruptcy (K2)<br />A legal action which leads to the control of the property of an insolvent debtor for the benefit of creditors. After the court has appointed a receiver, the debtor can make an offer to his or her creditors.

<strong>SF</strong> – Within CommonLine file specifications, loan type code used to indicate a subsidized Federal Stafford Loan.

impost (H2) A tax or duty.
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countercyclical policy (E3)<br />Government policy to reduce fluctuations in government spending which has to be such as to restore the economy to an equilibrium path, the trend line through cyclical fluctuations. Since 1933 Sweden has been the best-known user of such policies but in the 1950s, when DEMAND MANAGEMENT was believed to be a possible art, many Western economies used monetary, fiscal and other policies to reduce fluctuations in the gross domestic product and in employment. In less developed countries it is more difficult to have successful countercyclical measures: fluctuations in climate and in export demand (which are of central importance to primary producers) cannot be controlled by governments. Also, poverty itself is more a product of long-run factor shortages than deficiency in home demand, and taxation and expenditure affect a smaller percentage of the population.<br /><em>See also:</em> investment reserve system; Swedish budget <br /><em>Reference</em><br />Baumol, WJ (1961) 'Pitfalls in contracyclical policy: some tools and results',

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Old 08-03-2011, 06:04 AM   #247
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Old 08-03-2011, 06:09 AM   #248
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Old 08-03-2011, 06:18 AM   #249
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Old 08-03-2011, 06:24 AM   #250
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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>Entrance Counseling Workbook</strong> – A step-by-step guide to understanding the responsibilities of a student loan. 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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