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Garn St Germain Depository Institutions Act 1982 (G2, K2)<br />The sequel to the DEPOSITORY INSTITUTIONS DEREGULATION AND MONETARYCONTROL ACT 1980 which continued the deregulation of the US banking industry, particularly through the removal of interest rate ceilings.
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sunbelt (L6, R3)<br />An area of a country with new growing industries, e.g. California or the UK belt from Cambridge through Berkshire and Hampshire to Bristol. The expansion of such an area often poses a threat to the prosperity of an older industrial area.

<strong>Late disbursement</strong> – A disbursement made by a lender after the end of the loan period or the date on which the student ceased to be enrolled at least half time.

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marzipan layer (G2, M1)<br />The managers below the level of director or partner who are responsible for the operations of a financial institution such as a bank or brokerage house,
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<strong>Financial Aid Administrator (FAA)</strong> – A staff member at an eligible school who administers financial aid programs.
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economic devolution (DO, PO)<br />1 The transfer of all economic decision making to individual households and businesses.<br /> 2 The principal characteristic of a MINIMAL STATE.
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<strong>FY</strong> – Fiscal Year, an annual budgetary period. A fiscal year may defined as a calendar year or other period, such as a State Fiscal Year (July 1-June 30) or Federal Fiscal Year (October 1– September 30).

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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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<strong>Escrow agent</strong> – A guarantor or other eligible entity that receives the proceeds of a FFEL Program loan as an agent of an eligible lender for the purpose of transmitting those proceeds to the school.
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<strong>MOHELA</strong> – Missouri Higher Education Loan Authority, Missouri' s designated FFELP secondary market. MOHELA, a non-profit quasi-governmental entity, originates, disburses, services, and purchases FFELP and private loans. Additionally, MOHELA provides Missouri students with significant repayment benefits, including deeply discounted interest rates when the MDHE is the guarantor. MOHELA was created more than 20 years ago and is headquartered in Chesterfield, Missouri. May be found on the world wide web at www.mohela.org.
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prime bank scam (G2)<br />An investment scheme by a financial institution giving itself the exalted title of 'prime bank' in order to attract funds from unsophisticated, often older, investors, who are tempted by promises of rates of return of over 100 per cent.
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<strong>Multiple changes</strong> – Feature within MODEL Direct allowing a single change to be applied to multiple borrowers/loans at one time. Change types supported include multiple hold/release and multiple cancellations.

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indicator variable (E6)<br />An economic statistic which describes the current state of an economy and guides a policy-maker in his or her actions, particularly whether to deflate or reflate the economy.<br /><em>See also:</em> coincident indicators; economic indicators
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cartalist (E4)<br />A person believing that the value of a currency depends on the power of the issuing authority and not on its intrinsic value or its convertibility into gold.<br /><em>See also:</em> Banking School; fiat money; metallist

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