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Household characteristics<br />Expenditure<br />Income<br />Regional characteristics<br />Regional expenditure<br />Regional income.
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<strong>Recognized equivalent of a high school diploma</strong> – A recognized equivalent of a high school diploma may be a GED certificate, the academic transcript of a student who has successfully completed a 2-year program of study acceptable toward a bachelor' s degree, or has obtained other state certifications/requirements.
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<strong>SU</strong> – Within CommonLine file specifications, loan type code used to indicate an unsubsidized Federal Stafford Loan.
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labour process theory (JO)<br />Marxist theory which shows the changing forms of the submission of labour to capital by analysing social relationships between workers and capitalists to indicate how suRPLUS VALUE is created and values are transformed into prices.

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sociological utility theory (D1)<br />This states that utilities are systematically interdependent as wants are formed by observing the consumption of other individuals.<br /><em>Reference</em><br />Duesenberry, J.S. (1949) Income, Saving and the Theory of Consumer Behavior, Cambridge, MA: Harvard University Press.
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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.

Smoot-Hawley Tariff Act 1930 (F1)<br />The major US federal statute to establish PROTECTIONISM in the twentieth century. It included TARIFF schedules for over 20,000 products, proposing increases in many cases. It led to BEGGAR-MY-NEIGHBOUR policies which some economists claim was a major cause of the world-wide depression in the 1930s.<br /><em>See also:</em> Reciprocal Trade Agreements Act

<strong>CommonLine loan sequence number</strong> – A 2-digit number typically assigned by the guarantor at the time of guarantee. This number is attached to the end of the CommonLine unique identifier.
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<strong>Trailer record</strong> – The ending portion of a CommonLine file. The trailer record contains a summary of the preceding records, including totals, and is used to verify transmissions. In CommonLine file specifications, the trailer record is documented as @T.

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<strong>LOA</strong> – Leave of Absence, an approved break in enrollment, not including a regularly scheduled semester break or spring break, that is requested by the student and approved by the school. The student' s request must be in writing and must include the reason for the leave. An LOA cannot exceed 180 days in any 12-month period.

<strong>FAD</strong> – Financial Aid Director, a staff member at an eligible school who heads the financial aid office.

<strong>Period of enrollment</strong> – As defined by federal regulation, the period for which a Stafford or PLUS loan is intended. The period of enrollment must coincide with a bona fide academic term established by the school for which the school' s charges are generally assessed. For instance, a semester, quarter, or entire academic year might be a student' s period of enrollment.

<strong>NCHELP</strong> – National Council of Higher Education Loan Programs, the FFEL Program national association for guarantors and secondary markets. NCHELP provides tools, manuals, documents, and resources online, including the Code of Federal Regulations (CFR). Visit the NCHELP e-library at www.nchelp.org.
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<strong>Reaffirmation</strong> – A borrower' s acknowledgment of a loan repayment obligation, including all principal, interest, and other costs, in a legally binding manner.

<strong>Treasury Offset</strong> – The withholding of a borrower' s federal Treasury payments, such as federal tax refunds, veteran' s benefits, and social security benefits, to repay a defaulted student loan.
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