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second-generation product (M3)<br />A product in many respects similar to an existing product capturing its market from it In science-based industries such as pharmaceuticals, a new drug is often supplanted by a related compound. The cost and riskiness of industrial research has increased because of the need to extend a product range to replace supplanted products.
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<strong>New borrower</strong> – A borrower who has no outstanding balance on any FFEL Program loans at the time he or she signs or e-signs a FFEL Program MPN.
<strong>Forbearance</strong> – A period of time during which the borrower is permitted to temporarily cease making loan payments or to reduce the amount of the payments. The borrower is responsible for all interest that accrues during the forbearance period, for all loan types.
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<strong>Late disbursement</strong> – A disbursement made by a lender after the end of the loan period or the date on which the student ceased to be enrolled at least half time.
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