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network externality (D1)<br />The effect on a user of a product or services of other people using compatible products or services. Major sources of these are the Internet and telephone services.
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<strong>EFC</strong> – Expected Family Contribution, the amount the student or student' s family is expected to pay toward the student' s cost of attendance as a result of the Federal Need Analysis Methodology.
<strong>Integrated Common Manual (ICM)</strong> – A policy and procedure manual for FFELP participants. The manual and related tools may be found at
www.commonmanual.org.
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