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<strong>Add Loan</strong> – Application processing feature within MODEL Direct. The Add Loan process provides a realtime guarantee for loan applications.

dual economy (PO)<br />A national economy consisting of a rich modem sector and a poor traditional sector. Originally this term was used to describe many colonial economies after the Second World War.<br /><em>Reference</em><br />Boeke, J.H. (1953) Economics and Economic Policy of Dual Societies, as Exemplified by Indonesia, New York: Institute of Pacific Relations.
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<strong>Repayment start date</strong> – the date the repayment period begins. For Stafford Loans, the repayment period begins on the day following the last day of the grace period. For PLUS Loans, repayment begins on the date the loan is fully disbursed. (PLUS Loans are, however, eligible for an in-school deferment when the borrower is enrolled at least half time.)
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closed-end fund (G1)<br />A MuruAL FUND bought at a discount. Sales and purchases can only be made between investors thus maintaining a stable pool of investment money. The price is determined
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joint products (D2)<br />Products which are the inseparable consequence of a single production process, e.g. cattle farming yields milk, meat and hides, coal mining produces coal, coke, gas and a variety of chemicals. In many cases, the rate of production for each of the products is the same.
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marzipan layer (G2, M1)<br />The managers below the level of director or partner who are responsible for the operations of a financial institution such as a bank or brokerage house,

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<strong>Limitation</strong> – The continuation of a school' s eligibility to participate in the guarantor' s programs, subject to compliance with special conditions or restrictions established by the U.S. Department of Education or by the guarantor.

Norris-La Guardia Act 1932 (J5)<br />US federal statute that gave us LABOR UNIONS substantial relief from judicial interference. Under section 3 of the Act, YELLOW DOG CONTRACTS were made unenforceable; under section 5 courts were prohibited from granting injunctions on the grounds of unlawful combination or conspiracy. Similar Acts were passed by several US states.<br /> See also: Wagner Act 1935; Taft-Hartley Act 1947
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scriptural currency (F3)<br />A currency without issued notes and coins. The euro was originally issued in this form in 1999.
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<strong>National Disbursing Network (NDN)</strong> – ELM' s Central Disbursing Agent (CDA) service.
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Kalman filter (C1)<br />A recursive procedure used for calculating the least squares method.

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implementation lag (E6)<br />The time it takes to institute a discretionary change in policy. These lags are usually shorter for MONETARY POLICY than for FISCAL POLICY as in the former case a sudden announcement of a change in interest rates can be made, whereas fiscal changes often need legislation.<br /><em>See also:</em> recognition lag
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<strong>Repayment period</strong> – The period during which payments of principal and interest are required. The repayment period follows any applicable in-school or grace period (for Stafford Loans) and excludes any period of authorized deferment or forbearance.
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<strong>GB</strong> – Graduate borrower, a loan type within CommonLine file specifications used on/after July 1, 2006 to designate a PLUS Loan made to a graduate or professional student as a Grad PLUS Loan. Grad PLUS Loans display within the MDHE' s online product, MODEL Direct, as “GB.”
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<strong>School Certification Request (SCR) process</strong> – Optional process within CommonLine file specifications whereby a C record type is generated in application send files in response to a borrower-initiated application process. With the SCR process, the application send file is sent to the school for certification after the borrower has completed his/her part of the process, including passing any required credit check.
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<strong>Web loan delivery product</strong> – An online system that allows schools, borrowers, and/or lenders to inquire on loans or borrowers, submit change transactions, manage files, and guarantee new loans via the internet. The MDHE' s product is called MODEL Direct.

<strong>Week of instruction</strong> – Any period of 7 consecutive days in which the school provides at least one day of regularly scheduled instruction or examinations.
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<strong>Assignment</strong> – Language placed on or attached to the promissory note indicating a change or transfer of loan ownership (e.g., when a loan is sold by a lender to a secondary market).

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