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<strong>Endorser</strong> – A signer of a promissory note who is secondarily liable for a loan obligation. A lender may require a PLUS applicant with adverse credit history to obtain a creditworthy endorser in order to receive the loan.
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proto-proletariat (I3)<br />The very poor who scrape a living in the informal TERTIARY SECTOR. In a sense, they live like refugees.<br /><em>See also:</em> low pay; poverty
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preference falsification (DO)<br />The expression in public of preferences different from private preferences.<br /> <br /><em>Reference</em><br />Kuran, T (1995) Private Truths. Public Lies.<br /> The Social Consequences of Preference Falsification, Cambridge, MA: Harvard University Press.

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<strong>Variable rate</strong> – An interest rate that varies over time and generally has a specified maximum (cap). Prior to July 1, 2006, interest rates on FFEL Program loans were variable with an 8.25% cap. (Beginning July 1, 2006, interest rates are now fixed rates, with the maximum established at 6.8% for Stafford Loans and 8.5% for FFEL Program PLUS Loans.)

<strong>Borrower</strong> – A person who obtains a loan and must repay it. This term is NOT synonymous with “student.”
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<strong>OAKFAP</strong> – The Ozark area group of financial aid professionals, normally meeting in Springfield.
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required reserve ratio (E5)<br />Ratio of reserve assets to the total deposits of a bank or other regulated financial institution set by a central bank. For UK CLEARING BANKS the ratio was set at 12Yz per cent in the period 1971-81, after which the proportion of reserves they hold is at their own discretion.

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