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<strong>Financial aid package</strong> – The total amount of financial aid that a school awards a student for any given aid year. Also referred to as “financial aid award.”
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<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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<strong>National of the U.S.</strong> – As defined by the Immigration and Nationality Act, a U.S. citizen or a noncitizen who owes permanent allegiance to the United States. This term includes all U.S. citizens as well as the citizens of American Samoa and Swain' s Island. Also referred to as U.S. National.

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common market (FO)<br />A CUSTOMS UNION within which there is free movement of labour and capital, no tariffs between its member countries and a coM. MON EXTERNAL TARIFF to exclude other countries' produce. A common market in many respects behaves like a national ECONOMY as all firms of the same industry are in competition across national boundaries and can draw upon the same pool of labour and financial capital. The absence of tariffs within this market enables production to be allocated according to the principle of COMPARATfVE ADVANTAGE. The EUROPEAN UNION is a major modern example.<br /><em>See also:</em> single market

implementation lag (E6)<br />The time it takes to institute a discretionary change in policy. These lags are usually shorter for MONETARY POLICY than for FISCAL POLICY as in the former case a sudden announcement of a change in interest rates can be made, whereas fiscal changes often need legislation.<br /><em>See also:</em> recognition lag

<strong>Repayment period</strong> – The period during which payments of principal and interest are required. The repayment period follows any applicable in-school or grace period (for Stafford Loans) and excludes any period of authorized deferment or forbearance.

stress test (G2)<br />A test of CAPITAL ADEQUACY related to an optimal debt-equity funding mix. For a bank this shows the capacity of the bank's capital to absorb potentially large losses. As a result of the test, there is an estimate of the amount of risk-free collateral required.

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<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>Income-contingent repayment schedule</strong> – A repayment schedule for some Direct Loans under which the borrower' s monthly payment amount is adjusted annually, based on the borrower' s income, family size, and debt amount.

inside lag (E6)<br />A time lag occurring either because it takes time to recognize the state of an economy or because it takes time to take action to remedy an undesired state of affairs. A lag of this kind is either a REcoGNITION LAG or an IMPLEMENTATION LAG. Such lags can be reduced by AUTOMATIC STABILIZERS which, by their nature, operate without any decision- making response to a change in an economy.<br /><em>See also:</em> outside lag

quasi-autonomous non-governmental organization (L3)<br />A UK non-elected agency set up by a government department to act as a task force or to undertake activities contracted out by government. These 'quangos' have been criticized for having their members appointed under ministerial patronage and usurping many of the functions of local government. By 2000 there were hundreds of these.

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limited market liberalization (PO)<br />A partial transition from a planned to a MARKET ECONOMY. Goods allocated under the plan cannot be resold and scheduled deliveries cannot be purchased on the market. Without these priorities, there would be full market liberalization.
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Robinson, joan Violet, 1903-83 (B3)<br />UK economist, educated at Cambridge University where she met her husband Austin Robinson and taught in the Economics Faculty from 1929 to 1971, being appointed a professor in 1965.<br /> A passionate theorist and socialist, she made major contributions to economics through her Economics of Imperfect Competition (1933) which influenced the teaching of microeconomics thereafter by producing independently of CHAMBERLIN a theory of the firm for markets both competitive and monopolistic. Her long guardianship of the KEYNESIAN heritage began with Introduction to the Theory of Employment (1937). However, the influence of SRAFFA and KALECKI Jed her to develop Keynesian theory from comparative statics to a dynamic growth theory, particularly in her The Accumulation of Capital (1956). Many of her works, especially An Essay on Marxian Economics (1942), attempted a synthesis of socialist and Keynesian economics.<br /> Although trained in Marshallian analysis she became increasingly opposed to his time analysis: she moved from studying perfect competition to oligopoly, selling costs and product differentiation. In doing so, she provided a new box of tools in her theory of imperfect competition. Increasingly she saw her role as a developer of Keynesian theory but her attempt to do so in her Accumulation of Capital was not broad enough to achieve a satisfactory model of long-term development. Her interest in development was long-standing, dating back to her first visits to India in the 1920s and later including an on-thespot study of Mao's China.<br /> For the last thirty years of her life she was engaged in controversies with soww and SAMUELSON about CAPITAL THEORY. The ferocity of her polemical and entertaining pen is evident in her Collected Papers (1951-79). In a supplementary obituary notice in The Times, her lodger of ten years' standing, Dr Carmen Blacker, wrote of 'her spartan way of life': 'A strict vegetarian, she slept all the year round in a small creeper-covered hut at the bottom of the garden. It was entirely unheated, and open on one side to all weathers, but no storm, deluge or frost could persuade her to sleep in the house. . . . In the early spring she was often woken by tits pecking at her hair for material for their nests.'<br /><em>See also:</em> bastard Keynesianism; Cambridge controversies <br /><em>Reference</em><br />Gram,H.andWalsh,V(1983)'JoanRobinso- n's economics in retrospect', Journal of Economic Literature 21: 518-50.<br /> Feiwel, G.R. (ed.) (1989) Joan Robinson and Modern Economic Theory, New York: New York University Press; London: Macmillan.<br /> -(1989) The Economics of Imperfect Competition and Employment. Joan Robinson and Beyond, London: Macmillan. Harcourt, G.C. (1988) Joan Robinson, Brighton: Wheatsheaf.<br /> Robinson, J. (1951 - 80) Collected Economic Papers, Oxford: Basil BlackwelL - (1969) The Accumulation of Capital, 2nd edn, London: Macmillan.<br /> -(1969) The Economics of Imperfect Competition, 2nd edn, London: Macmillan.
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lio borrowing on the US market by 1 per cent. This fiscal measure was designed to reduce the capital outflow from the USA.<br /> interest rate (E4) see rate of interest interest rate agreement (E4, G2)<br />An agreement for one party to pay an initial premium to another party in return for receiving at specified time intervals the difference between a reference market interest rate and a predetermined level of interest. If the difference is specified to be greater, the agreement is an interest rate cap; if smaller, an interest rate floor. These agreements are used in asset-liability management to reduce the risk arising from interest rate movements.
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<strong>Nelnet</strong> – A for-profit FFEL Program secondary market and servicer that originates, disburses, services, and purchases FFEL Program loans.

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<strong>Common Record: CommonLine (CR:C)</strong> – The FFEL Program industry' s newest electronic communication standards by which loan and borrower information is electronically gathered, stored, and transmitted via an XML format. CR:C file specifications are agreed to by the industry' s Electronic Standards Committee (ESC) and may be retrieved from the NCHELP website at www.nchelp.org.
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recontract (DO)<br />EDGEWORTH's notion that buyers and sellers initially make provisional contracts at DISEQUILIBRIUM PRICES and then subsequently, as a result of their exchange, make a new contract at, or approaching, an equilibrium price.<br /><em>See also:</em> tiitonnement <br /><em>Reference</em><br />Walker, D.A. (1973) 'Edgeworth's theory of recontract', Economic Journal 83: 138-49.

marginal firm (L2)<br />An established firm of an industry only earning NORMAL PROFITS. It would leave that industry if its net earnings were less. This concept is crucial to PERFECf COMPETlTION.

capital deepening (E2, 04)<br />Investment which produces an increase in a CAPITAL LABOUR RATIO because the capital stock grows at a faster rate than the labour force.<br /><em>See also:</em> capital widening

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<strong>Common Manual</strong> – A policy and procedure manual summarizing unified student loan policy that is published by NCHELP. The Common Manual is updated regularly by a committee of FFEL Program agencies.

market space (M3)<br />The total amount of customer spending with a particular company. It depends on the proportion of a customer's income available to the company and on the range of products the customer is willing to buy.<br /><em>See also:</em> market share

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Federal Cartel Office (L4)<br />US agency engaged in monitoring mergers, thus making a major contribution to the running of US ANTITRUST policy.

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<strong>Freely associated states</strong> – States under U.S. jurisdiction whose residents are eligible for federal student aid. Includes the Republic of the Marshall Islands, the Federal States of Micronesia, and the Republic of Palau.

general government net worth (H6) The fixed capital stock of central or local government less its net financial liabilities. This BALANCE SHEET approach to the study of government finance has been suggested as a framework for assessing a government's ability to sustain its economic policies. It also has the useful function of making governments distinguish productive investments from debt servicing.

orderly market agreement (Fl, Ll)<br />1 A restrictive trading agreement between the firms of an industry which is experiencing a decline in the total demand for its output. In response to this decline, voluntary quotas are agreed between firms to allow a more orderly adjustment to a lower level of sales, avoiding cut-throat price competition so that each firm can at least maintain its individual sales level. But there is limited scope for introducing these agreements as, if they are made by a group of firms without the approval of government, they are likely to violate national COMPETITION POLICIES.<br /> 2 An agreement between countries to

<strong>Change Transaction Send File (CTSF)</strong> – The CommonLine file type used to send change transactions to guarantors, lenders, and/or servicers so that FFEL Program loans may be updated. CTSFs are divided into pre-disbursement transactions (@1-09) and post-disbursement change transactions (@1-10).

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<strong>MSLG</strong> – Missouri Student Loan Group, the division of the MDHE which administers the FFEL Program.

<strong>Code of Federal Regulations (CFR)</strong> – The regulations from the U.S. Department of Education relating to the federal student aid programs are codified in Volume 34. Part 668 governs the student assistance general provisions. Part 682 regulates the FFEL Program.

<strong>Perkins Loan</strong> – The Federal Perkins Loan Program, a campus-based Title IV student loan program administered by the school.

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barrier to exit (Ll)<br />The costs or forgone profits of a firm which will occur if it leaves an industry. Barriers to exit are less common than barriers to entry, excepting where a government, to prevent increased unemployment, keeps in existence a large organization threatened with financial collapse; specialized assets may also deter a firm from leaving an industry.<br /><em>See also:</em> ba rrier to ent ry <br /><em>Reference</em><br />Caves, R.E. and Porter, M.E. (1977) 'From entry barriers to mobility barriers: conjectural decisions and contrived deter-
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Regulation Q (E4, E5)<br />The ceiling to the rate of interest US COMMERCIAL BANKS could pay on deposits of less than thirty days' maturity in the period 1933-85. This maximum rate was fixed from time to time by the US FEDERAL RESERVE SYSTEM. One of the aims of the regulation was to reduce the cost of housing finance as THRIFTS would be able to operate with low interest rates. As the regulation was evaded by bankers borrowing abroad to replace domestic deposits, the growth of the EURODOLLAR market was encouraged and much ms!NTERMED!AT!ON occurred. In 1980, it was decided to phase out the regulation over a five-year period.

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<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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accepting house (G2)<br />A UK merchant bank which, by approving a commercial bill of exchange, created a short-term marketable asset. In the past such accepting was the major activity of many of these banks but now they have diversified into other activities, including corporate finance and portfolio management In 1981, the Bank of England ended their special status as endorsers of bills: the Bank of England now regards other COMMERCIAL PAPER as eligible for purchase.
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<strong>Master Promissory Note (MPN)</strong> – A common form that allows a student or parent to borrow multiple loans for multiple academic years and providing repayment obigations information (rights and responsibilities). A signed borrower MPN is required before student loan funds can be disbursed to the school.
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McFadden Branch Banking Act 1927 (G2)<br />US federal statute which helped national banks to compete with state-chartered banks by allowing them the same power to open branches as the state banks in that area. An aim of the Act was to encourage banks to stay in the FEDERAL RESERVE SYSTEM.
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<strong>CB</strong> – The abbreviation for Campus-Based aid. Campus-based aid programs include Federal Work Study (FWS), the Federal Perkins Loan Program, and the Federal Supplemental Educational Opportunity Grant (FSEOG). “CB” also indicates a type of Dear Colleague Letter specifically addressing campus-based aid programs.
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<strong>Award</strong> – Schools award, or “package,” student aid for each year for students. Once the aid is awarded, schools send award letters to students indicating the type(s) and amount(s) of financial aid awarded for the year. (Under 34 CFR 668.16(h), the school is required to provide information about the sources and amounts of aid offered.) The financial aid award may also be referred to as the “financial aid package.”
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<strong>Federal Work-Study Program (FWS)</strong> – A campus-based Title IV student employment program administered by the school. FWS is a need-based program.
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<strong>HEA</strong> – the Higher Education Act of 1965, as amended, which created the federal student aid programs.
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capitalist imperiali sm (L2, 00)<br />The exercise of power by major capitalist countries over less developed countries, often through the medium of MULTINATIONAL CORPORATIONS. Ma rxists have argued
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effective rate of assistance (F1)<br />VALUE ADDED to a country's production as a result of PROTECTION as a proportion of the value added by producers under FREE TRADE. This is calculated by the formula (A - B)/ B, where A is the domestic price of a good, including a tariff, minus the subsidized cost of inputs per unit of out- put, and B is the world price of a good minus the unsubsidized cost of inputs per unit of output.
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mesoeconomy (PO)<br />That part of the ECONOMY run by big business. It is intermediate between households or small firms and national governments.<br /><em>Reference</em><br />Holland, S. (1987) The Market Economy from Micro to Mesoeconomics, London: Weidenfeld & Nicolson.

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Burns, Arthur Frank, 1904-87 (B3)<br />An Austro-Hungarian who emigrated to the USA in 1914; educated at Columbia University and professor at Rutgers University from 1927 to 1958. Principally renowned for his susrNEss CYCLE research at the NATIONAL BUREAU OF ECONOMIC RESEARCH, Washington, DC, in 1930-44 and chairman of the Board of Governors of the US FEDERAL RESERVE SYSTEM from 1970 to 1978, where he practised his conservative monetary beliefs. As US Ambassador to West Germany in 1981-5 he negotiated the German Treaty of 1982 to obtain more German logistic support for US troops. His final years were spent in research at the American Enterprise Institute. In his important exposition of business cycle theory (with Wesley Mitchell) he compiled a list of economic indicators which became the basis of business cycle forecasting in the USA after 1945. He calculated 'reference cycles' as the single indicator of turning points in cycles. A noted antiKeynesian in economic policy matters.<br /> <br /><em>Reference</em><br />Bums, A.F (1946) Economic Research and the Keynesian Thinking of Our Times, Washington, DC: National Bureau of Economic Research.<br /> - (1954) Frontiers of Economic Knowledge, Princeton, NJ: Princeton University Press.<br /> - (1969) The Business Cycles in a Changing World, New York: National Bureau of Economic Research.<br /> Bums, A.F and Mitchell, WC. (1946)<br />Measuring Business Cycles, Washington, DC: National Bureau of Economic Research.<br /> Mullineux, A. (1990) Business Cycles and Financial Crises, Heme! Hempstead: Harvester Wheatsheaf.

Aristotle, 384-22 BC (B3)<br />One of the earliest writers on economics who anticipated many later debates on value, money and economic systems. In the Nichomachean Ethics, Book V, he discussed the nature of value in the context of a discussion of justice; in Topica, he anticipated subsequent ideas of value based on utility. He supported the idea of private property on the grounds that it leads to increased production and clearly saw that money has the important functions of serving as a unit of account, a medium of exchange and a store of value.<br /> <br /><em>Reference</em><br />Gordon, B. (1975) Economic Analysis before Adam Smith, London: Macmillan. Soudek, J. (1952) 'Aristotle's theory of exchange: an inquiry into the origin of economic analysis', Proceedings of the American Philosophical Society 96: 45-75.
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<strong>Excel</strong> – A Microsoft spreadsheet software package. Reports available within MODEL Direct may be exported in a Microsoft Excel format.
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<strong>Week of instruction</strong> – Any period of 7 consecutive days in which the school provides at least one day of regularly scheduled instruction or examinations.

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