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outside money (E4)<br />A monetary asset of the private sector that is a liability of a government, assuming government demand does not fall as its total debt rises in real terms. Gold coins under the GOLD STANDARD, currency and bank reserves under a FIAT MONEY system and HIGH-POWERED MONEYare the major examples.<br /><em>See also:</em> inside money
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coinage (E4)<br />Pieces of metal of a standard size and weight stamped by a sovereign power to give them the status of money. Coins were first used as money by the Lydians (Greek inhabitants of what is now West Turkey) in the seventh century BC. The first coins were made of electrum, a natural alloy of gold and silver. Silver, bronze and copper were later used in Ancient Greece and the Roman Empire. Copper coins, used for small transactions, were issued with a monetary value in excess of the value of metal used, establishing the principle of token money, which is the nature of coinage today. The first problems of coinage, clipping and forgery, were solved by a change in production method from hammering to milling to ensure a standard size. The second problem, the inconvenience of transporting it to carry out large financial transactions, was remedied by the use of banknotes.

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<strong>Marguerite Ross Barnett Memorial Scholarship Program</strong> – A scholarship program established for Missouri students who are employed at least 20 hours a week while enrolled in 6 to 11 credit hours. The MDHE administers this scholarship program. More information is available at: http://www.dhe.mo.gov/rossbarnett.shtml.

<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.
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<strong>Aid Year (AY)</strong> – For the purposes of federal student aid, a period that begins on the first day of classes and ends on the last day of classes or examinations and that consists of at least 30 weeks of instructional time. The standard federal and state definition of an academic year is July 1 through June 30. (Note: the acronym “AY” may also refer to the Academic Year or Award Year.)

<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.)

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announcement burden of a tax (H2)<br /> The loss of PRODUCER'S and CONSUMER'S SURPLUSES as a consequence of a tax change. The announcement has the effect of adjusting taxpayers' behaviour, e.g. in supplying labour.<br /> <br /><em>Reference</em><br />Pigou,A.C. (1928)A Study in Public Finance, Part 11, ch. 5, London: Macmillan.

<strong>GEAR UP</strong> – Gaining Early Awareness and Readiness for Undergraduate Programs. The MDHE administered a GEAR UP program in Missouri until September 2007.

<strong>PT</strong> – Part time, a term used to describe students attending school with less than a full-time academic workload, as defined by the school.

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<strong>Statutory interest rate</strong> – The maximum annual interest rate under the Higher Education Act of 1965, as amended, that a lender may charge on a FFEL Program loan.
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<strong>Electronic Standards Committee (ESC)</strong> – A committee sponsored by NCHELP through which CommonLine and other electronic file formats and methods are determined.
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<strong>Disbursement Roster (DR)</strong> – The electronic file or paper report listing all disbursements and related information for each borrower.

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<strong>Financial Aid Transcript (FAT)</strong> – An official record of federal financial aid a student has received at schools the student previously attended.
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<strong>Realtime</strong> – A system requirement that a program respond within a small amount of time, typically mili- or microseconds. In jargon, refers to doing something while someone is waiting or watching. The MDHE' s web loan delivery product, MODEL Direct, is a realtime product providing data directly from the MDHE' s FFEL Program database. Change transactions are also sent and posted realtime via MODEL Direct. The MDHE' s FAMOUS system is also a realtime product for administering the state grant and scholarship programs.

<strong>Notice of Loan Approval (NOLA)</strong> – A paper copy of the MDHE' s loan guarantee statement which schools may receive if profiled for this service.

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