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grant-back clause (00)<br />The right in a contract granting the owner of a patent the right to all improvements and modifications in the technology discovered by the licensee. In the European Union the licensee grants back the right to the licensor of the use of these modifications in another place. In some countries the licensor owns the modifications as intellectual property.
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<strong>Third-party servicer</strong> – In the case of a lender or guarantor, an entity that enters into a contract with a program participant to administer any aspect of its participation in a Title IV program.

<strong>Verification</strong> – A school' s procedure for checking the accuracy of information reported by students on their FAFSAs.
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job generation (J6)<br />The expansion of employment in either the public or private sector. In the former, regional and other policies are used to create jobs; in the latter, new jobs are preceded by an expansion in a market.

<strong>SSN</strong> – Social Security Number.
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European Bank for Reconstruction and Development (G2)<br />The development bank founded in 1991 and based in London which lends to the East European countries in order to ease their transition from centrally planned to market economies. Its capital was raised from EUROPEAN COMMUNITY institutions and forty-one countries. Its lending policy is to make 40 per cent of its loans for infra- structure investment and 60 per cent for private sector commercial investment.
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<strong>CBO</strong> – Congressional Budget Office.

Goods and services accounts Production account Generation of income account Distribution of income account Use of income account Capital account Financial account.
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<strong>Leave of Absence (LOA)</strong> – An approved leave of absence is a 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.

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<strong>KC-RAP</strong> – The Kansas City area group of financial aid professionals, normally meeting several times a year.

<strong>USCIS</strong> – U.S. Citizenship and Immigration Services, a division of the Department of Homeland Security (DHS). On March 1, 2003, the DHS absorbed the former federal agency, Immigration and Naturalization Service (INS) and renamed it the USCIS.

<strong>Cost less aid</strong> – A figure calculated by deducting all financial assistance the student has been or will be awarded for the loan period from the cost of attendance for that same loan period.

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<strong>PG</strong> – Print and Guarantee, a type of application process flow within the FFEL Program and outlined in CommonLine file specifications. In a “PG” process flow, the school submits loan application information to the guarantor or lender, and that entity then either mails a paper MPN to the borrower for completion or makes the application available online for the borrower to access and complete. Once the borrower completes his/her portion of the application process, the loan is guaranteed. A PG process often works well for PLUS loans, whereby the borrower must first pass a credit check before the loan can be guaranteed.

Federal Trade Commission (L5)<br />US federal commission established in 1914 to maintain competitive enterprise in the USA and formulate competition policy. It seeks to prevent general trade restraints and price discrimination and to ensure accurate credit cost disclosure. The commission enforces its judgements through voluntary co-operation with the offending parties or through litigation.<br /><em>See also:</em> antitrust

<strong>SMART Grant</strong> – Science and Mathematics Access to Retain Talent, a new federal grant available as of July 1, 2006. Eligibility for this grant is based on science and math curriculum and academic performance as well as financial need. May also be referred to as the National SMART Grant Program.
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