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<strong>Missouri College Guarantee Program</strong> – A scholarship program based on financial need as well as high school and college academic achievement and administered by the MDHE through the 2006-07 academic year. This program was replaced by Access Missouri August 28, 2007.
<strong>Voluntary Flexible Agreement (VFA)</strong> – Individually negotiated contract between a FFEL Program guarantor and the U.S. Department of Education. On October 7, 1998, President Clinton signed the Higher Education Amendments of 1998 (P.L. 105-244), authorizing the Department of Education to enter into no more than 6 VFAs. A VFA may modify the guarantor provisions under sections 428 (b) and (c) of the Higher Education Act, such as the issuance of insurance on FFEL Program loans, defined default aversion activities, collection activities on defaulted loans, guarantor revenue and funding models, and other requirements. For more information on VFAs, see Volume 64, No. 144 of the Federal Register, published July 28, 1999.
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<strong>Borrower-based academic year (BBAY)</strong> – An academic year that 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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