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<strong>Non-term-based institution</strong> – A school that measures its academic year in credit or clock hours rather than academic terms such as quarters or semesters.

<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>Automated Clearinghouse (ACH)</strong> – An overnight method of transferring funds electronically via the Federal Reserve.
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economism (DO)<br />A taste for material success. To Marxists, economism amounts to pursuing intermediate economic goals instead of ulti-

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<strong>MODEL Direct</strong> – A web loan delivery product offered by the MDHE and developed by ASA, the MDHE' s servicer. MODEL Direct allows schools and lenders to inquire on loans or borrowers, submit change transactions, manage files, and guarantee new loans within a real-time environment. See http://www.dhe.mo.gov/model.shtml for more information.
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common access resources (QO)<br />Jointly owned natural resources, e.g. a piece of agricultural land open to all adjoining a town. The major departure from the principle of common access occurred in Great Britain from the thirteenth century onwards when common land was enclosed into private holdings.

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<strong>Default Fee</strong> – A loan program fee required by the Deficit Reduction Act of 2005 to offset the risk of default and its subsequent costs. All Stafford and PLUS Loans guaranteed on or after July 1, 2006 must be assessed a one percent default fee. The fee either must be deducted from the borrower' s loan proceeds at the time of disbursement or paid by a third party from other non– federal sources (such as a lender or servicer). Also referred to as DFee and/or FDF.

null hypothesis (C1)<br />In statistics, the hypothesis that there are no differences between the characteristics of a population and a sample taken from it, or between two samples of that population.

<strong>ACH</strong> – Automated Clearinghouse, an overnight method of transferring funds electronically via the Federal Reserve.
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<strong>FAD</strong> – Financial Aid Director, a staff member at an eligible school who heads the financial aid office.

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endowment effect (G2)<br />An increase in a bank's profitability as a result of a rise in interest rates.

S-curve (04)<br />The path of long-term ECONOMIC GROWTH.

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mixed bundling (M3)<br />The sale of two or more goods or services either jointly in a package deal or separately.<br /><em>See also:</em> bundling; pure bundling

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fractal Brownian motion (C6)<br />A mathematical model used to generate random numbers, originally noticed by Robert Brown in 1827 when studying botanical processes. 'Fractal' means that it is independent of scale. It has been used to analyse optimal production processes and the movement of share prices.
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