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<strong>Treasury Offset</strong> – The withholding of a borrower' s federal Treasury payments, such as federal tax refunds, veteran' s benefits, and social security benefits, to repay a defaulted student loan.
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Lloyd's (G2)<br />London insurance market founded in the coffee house of Edward Lloyd in 1688. It consists of underwriting members with unlimited liability for the risks they have underwritten and non-underwriting members. Syndicates of underwriters are responsi ble for most of the risk. Originally, Lloyd's was concerned with marine insurance but it has diversified its interests to fire, accident, motor and aviation insurance. Lloyd's Agents throughout the world and the Lloyd's List provide crucial information for the insurance industry. Although based in the UK, Lloyd's has long done most of its business with US insurance companies.<br /><em>Reference</em><br />Hodgson, G. (1984) Lloyd's of London. A Reputation at Risk, London: Allen Lane and Viking Press.

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<strong>Reauthorization</strong> – The legislative process, generally carried out every five years for the Higher Education Act, whereby Congress reviews and either renews, terminates, or amends existing programs.

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<strong>Setting spending authority</strong> – The act of changing Bright Flight, Gallagher, and College Guarantee awards from estimated to actual in FAMOUS. Once spending authority is set, students' eligibility statuses are frozen and schools can begin requesting disbursements and award amounts.

affinity card (G2)<br />A CREDIT CARD linked with a charity that receives donations in proportion to the amount spent by the user of that card.

Corn Laws (N4, N5)<br />The series of English laws dating from the reign of Edward IV which protected English agriculture by imposing tariffs on the import of corn to maintain its price; also export bounties (subsidies) were granted to farmers. CLASSICAL ECONOMISTS such as SMITH objected to this interference with

Feldstein, Martin, 1939- (B3)<br />US economist who is an authority on public finance and welfare policies. He was educated at Harvard and Oxford Universities, returning to the former to be professor of economics from 1967. His quantitative work on fiscal programmes has shown their effect on employment and investment and interaction with macroeconomic policy. He became president of the influential NATIONAL BUREAU FOR ECONOMIC RESEARCH in 1977.
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<strong>SAP</strong> – Satisfactory Academic Progress. To remain eligible for most types of financial aid, the student must maintain satisfactory academic progress as defined by the school.

<strong>HT</strong> – Half Time, an enrollment status indicating the student is carrying an academic workload, as determined by the school, that is more than half time but less than full time.
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<strong>BBAY</strong> – Borrower-based academic year, an academic year which deviates from the standard definition and is often used by technical or vocational schools or within non-traditional programs of study. A BBAY is individualized for each borrower and generally covers a period of time during which the borrower completes at least a certain number of credit hours.
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<strong>Reallocation</strong> – A change transaction performed when a student' s eligibility changes, requiring an increase (or decrease) in the subsidized portion of a Stafford Loan and a corresponding decrease (or increase) in the unsubsidized portion. Within CommonLine file specifications, reallocations are requested by submitting the CTSF @1-13 and @1-14 transactions.
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Plato, 428/7-348/7 BC (B3)<br />Ancient Greek philosopher who was one of the first to discuss fundamental economic concepts, particularly in his Republic and Laws (Book V). He advocated a DfVISION OF LABOUR based on different natural abilities, discussed the role of money and advocated EXCHANGE CONTROLS and common property amongst the guardians of his ideal republic.<br /><em>See also:</em> Ancient Greeks; Aristotle

deemed tax (H2)<br />US corporate tax concession equal to the amount of total income already paid to a foreign government. If a US corporation has paid $10 million tax abroad on a pretax income of $20 million when it remits $5 million in dividends to the USA its deemed tax will be $10 million x 0.5.

direct foreign investment (F2)<br />1 Investment in productive facilities by a foreign company, e.g. the purchase or building of factories.<br /> 2 The purchase of stocks and shares which give a foreign company control over existing real assets.<br /> See also: multinational corporation; portfolio investment
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integrated pollution control (Q2)<br />A system of pollution licences covering a wide range of industries intended to control the overall levels of air and water pollution in a particular area.<br /><em>See also:</em> Environmental Protection Agency; pollution control
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<strong>MOREnet</strong> – Missouri Research and Education Network. Provides networking capabilities and internet access for colleges and universities, elementary and secondary schools, state agencies, libraries, and community networks.
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<strong>Source, The</strong> – MDHE' s Guide to grants, scholarships, loans and more-Outlines all of the state student financial assistance programs. This publication and all publications published by the MDHE can be requested on the Publications Order Form: http://www.dhe.mo.gov/publicationsorderform.shtml.
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risk premium (DO)<br />The amount of income given up to leave a person indifferent between a risky choice and a certain one.

senior debt (GO)<br />A debt secured by collateral which has to be repaid before any other stockholders or creditors in the event of liquidation.<br /> See also: junior debt

<strong>FAT</strong> – Financial Aid Transcript, an official record of federal financial aid a student has received at schools the student previously attended.
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<strong>Institutional Student Information Record (ISIR)</strong> – The electronic output record provided to the school by the CPS that includes information provided by the student on the FAFSA. The ISIR contains the student' s EFC (Expected Family Contribution) and the results of federal database matches.

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