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

ethical unit trust (G2)<br />UK equivalent of a SOCIAL CONSCIENCE FUND.
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<strong>IPEDS</strong> – Integrated Postsecondary Education Data System, an annual report filed by postsecondary educational institutions to the U.S. Department of Education. IPEDS data is submitted to the National Center on Education Statistics (NCES).

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capital intensive (D2)<br />A form of production using much physical capital per unit of labour input. The degree of factor intensity is usually measured by the slope of an ISOQUANT.<br /><em>See also:</em> capital deepening; labour intensive

<strong>FERPA</strong> – Family Educational Rights and Privacy Act of 1974.

effective tax rate (H2)<br />The average rate of tax levied on gross personal income. This rate for companies refers to taxation as a proportion of VALUE ADDED.
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regressive tax (H2)<br />A tax falling disproportionately on lower income groups. If there is regression as INCOME decreases, the AVERAGE RATE OF TAX increases. Many INDIRECT TAXES, e.g. EXCISE DUTIES and sales taxes, are regarded as regressive, but the extent to which they are depends on the consumption patterns of different income groups. POLL TAXES are the simplest case of regression.

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external shock (E6)<br />A large unanticipated change in world economic conditions which impacts upon a particular national economy. Shocks can take many forms, including a shift in the TERMS OF TRADE, a slowdown in the growth of world export demand and an increase in the interest rates set by world financial markets. However, the major shocks of the 1970s, particularly the increase in the price of oil, had an uneven impact on the prosperity of particular nations with producing countries welcoming the shocks and consumers having to make major adjustments.<br /><em>See also:</em> structural adjustment policy; supply-side shocks

<strong>Income-contingent repayment schedule</strong> – A repayment schedule for some Direct Loans under which the borrower' s monthly payment amount is adjusted annually, based on the borrower' s income, family size, and debt amount.
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hidden unemployment (J6)<br />1 Underemployed labour. A comparison of PRODUCTIVITY or wage levels of different sectors of an economy indicates how much employed labour is working below its capacity. SOVIET-TYPE ECONOMIES were noted for their low wages and low productivity: the state's FULL-EMPLOYMENT policy and willingness to pay the wage bill gave managers no incentive to economize in the use of labour. Although the Soviet labour force enjoyed easy, secure employment, the economy suffered from chronic labour shortages and poor product quality. PERESTROIKA sought to reduce this problem. East European economies still have considerable labour reserves in their agricultural sectors.<br /> 2 Part of a population excluded from a measure of unemployment because of the definition of unemployment used.
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scarring (J6) The psychological impact of past unemployment. It is measured by subjective well-being.<br /> <br /><em>Reference</em><br />Clark, A.E., Georgellis, Y and Sanfey, P. (2001) 'Scarring: the psychological impact of past unemployment', Economica 68: 221-41.
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first economy (P2)<br />A socialist economy following the dictates of the national plan. It consists of governmental agencies, state-owned firms, cooperatives and other officially registered institutions.<br /><em>See also:</em> second economy
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euro interbank offered rate (F3)<br />The interest rate at which euro interbank term deposits of the eurozone are offered by one prime bank to another.

coefficient of multiple correlation (CI ) A statistic which measures the extent to which changes in a dependent variable are explained by the joint variation in the independent variables chosen to explain it. It is the square root of the coEFFICIENT OF MULTIPLE DETERMINATION.
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<strong>HACU</strong> – Hispanic Association of Colleges and Universities.
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<strong>Release of proceeds</strong> – Delivery of loan proceeds by the school to the borrower. (Note: This term is NOT equivalent to the lender' s process of disbursing funds to the school.)

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<strong>Proportional proration</strong> – A required calculation used to determine the applicable annual loan limit for an undergraduate student if the student' s program or remainder of the program is less than a full academic year in length.
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Kaldor's laws (L6, 04)<br />The laws relating to economic growth set out by KALDOR in his Cambridge inaugural lecture of 1966. These three laws state that there is a strong relationship between the growth of manufacturing output and the

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Tax Freedom Day (H2)<br />The day in the year when people in effect stop working to pay taxes. This is deter-

<strong>Notice of Loan Approval (NOLA)</strong> – A paper copy of the MDHE' s loan guarantee statement which schools may receive if profiled for this service.
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liquid assets ratio (E5)<br />A reserve assets ratio which takes into account both cash and monetary assets soon to mature and hence convertible into cash with small risk of capital loss. At
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