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<strong>Unsubsidized loan</strong> – A loan that is not based on need and is NOT eligible for federal interest benefits. The borrower is responsible for the interest that accrues on any unsubsidized loan, including unsubsidized Federal Stafford Loans, Federal PLUS Loans, and Graduate PLUS Loans.
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<strong>R</strong> – Code used to request a “release” on a disbursement or to indicate a released status, as defined within CommonLine file specifications.

mons, included RICARDo: they recommended a restoration of convertibility as soon as practicable. During the period of suspension, the Bank of England was accused of over-issuing banknotes and creating much of the wartime inflation. However, Henry THORNTON, a commercial banker, in his brilliant Paper Credit, took a broader view of money and the banking system.<br /><em>See also:</em> Currency School

<strong>Bursar, or Business Office</strong> – The institutional office that is responsible for the billing and collection of school charges.
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<strong>FANG</strong> – Financial Aid Noon Group, the mid-Missouri group of financial aid officers. FANG normally meets several times a year in Columbia.

<strong>DAAR</strong> – Default Aversion Assistance Request, the request sent by the lender to the MDHE to request DAA when a borrower is more than 60 days delinquent.

<strong>Unsolicited response file</strong> – A CommonLine file containing “M records,” or modification records sent in response to status updates and changes made by a source other than a school' s CTSF.

manpower forecasting (J2)<br />Estimating the future demand for and supply of labour. These forecasts can be made for a nation, a region or a firm. They consist of deriving a demand for labour forecast from an output forecast using fixed labour-output coefficients (sometimes revised by informed management opinion) and a supply of labour forecast based on population projections, LABOUR FORCE PARTICIPATION RATES and estimations of labour migration.
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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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<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.

<strong>Independent student</strong> – A student who meets one or more of the federal criteria to be classified as independent for aid awarding purposes. Criteria under section 480(d) of the HEA include: • Age 24 by December 31 of the academic year • Graduate or professional student • Married student • Student with legal dependents • Veteran • Orphan or ward of the court
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<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>Late conversion</strong> – The scheduling of a FFEL Program borrower' s first payment due date beyond the normal regulatory time limits.

<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.
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Britannia (E5)<br />UK gold coin issued since 1987 in denominations of ?10, ?25, ?50 and ?100.
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convergence hypothesis (PO)<br />The supposition that different types of economy are becoming similar. This view emerged in the 1960s because soviET-TYPE ECONOMIES modified their planning methods by making more use of the price system and MARKET ECONOMIES became more corporate and sympathetic towards PUBLIC ENTERPRISE. It was argued that all economies were becoming mixed economies. Although economic reforms using prices have become increasingly popular in Eastern Europe, PRIVATIZATION has caused market economies to revert more to their original form which was more capitalist than mixed.

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<strong>Part D</strong> – The section of Title IV of the Higher Education Act of 1965, as amended, that authorizes the William D. Ford Federal Direct Student Loan Program.

<strong>DR</strong> – Disbursement Roster, the electronic file or paper report listing all disbursements and related information for each borrower.

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<strong>TRIO</strong> – Special federal programs for students from disadvantaged backgrounds.
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<strong>Private loan</strong> – A non federal student loan, also referred to as “alternative loan.” Private loans are offered to students and/or parents by many, many lenders, secondary markets, and other private entities.
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Eurofranc (G2)<br />A franc deposit in a non-French bank in Europe but outside France.

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<strong>AFDC</strong> – Aid to Families with Dependent Children, a public assistance program.
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<strong>Base year</strong> – For need analysis purposes, the calendar year preceeding the award year.

<strong>Last Date of Attendance (LDA)</strong> – The last day the student was physically present in class, as confirmed by the student' s attendance records. An LDA may also be referred to as an out of school date (OSD) or, if the student completed the program of study, the actual graduation date.

import (F1)<br />The purchase of a good or a service that has been produced by another country. Exports net of imports are included in a COUntry's GROSS DOMESTIC PRODUCT. An ECONOMY at the beginning of an expansionary phase will often increase its imports of raw materials and semi-finished goods. An OPEN ECONOMY Will have a high volume of imports: the smaller or more specialized an economy is, the more it will have to import to satisfy consumers' demand for a wide range of goods and services.<br /><em>See also:</em> export; inter-industry trade; intra-industry trade; marginal propensity to import
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corporation income tax (H2)<br />A major tax used by the US federal government for raising revenue. To avoid its constitutionality being challenged in the courts, it was levied as an excise on the privilege of doing business as a corporation. Until 1941, it raised more revenue than the INDIVIDUAL INCOME TAX. The tax is paid in two instalments in the first six months of the year following the tax year in which a corporation's income arises.
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<strong>Title IV</strong> – The section of the Higher Education Act of 1965, as amended, that authorizes federal student loan, work, and grant programs.
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competitive fringe (Ll)<br />The smaller firms coexisting with a few large firms in an oligopolistic industry: these firms have no influence over the market, especially in the setting of prices.
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<strong>Anticipated disbursement date</strong> – The date loan funds are expected to be issued to the school or escrow agent. A school establishes the anticipated disbursement date(s) for a loan at the time of certification.

Bureau of Economic Analysis (H1)<br />The branch of the US Department of Commerce responsible for assembling and publishing US national income accounts.<br /><em>See also:</em> National Income and Product Accounts

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