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<strong>Plain Language Disclosure statement</strong> – Document providing FFEL Program terms and other information in “plain language” (instead of jargon).
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<strong>Need analysis</strong> – A standardized assessment of the ability of a student and family to contribute toward educational expenses. The need analysis formula currently used when students complete the FAFSA is referred to as Federal Methodology.
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Council of Economic Advisers (H1)<br />The team of three in the USA which advises the president on the state of the economy. This council was set up under the EMPLOYMENT ACT 1946. A principal task of the council is to assist the president in preparing his annual Economic Report to the Congress, a report formulating broad guidelines for stabilization policy and other aspects of the government's economic programme. The academics chosen as members of the council usually have political views close to those of the administration.<br /> <br /><em>Reference</em><br />Feldstein, M. (1992) 'The Council of Economic Advisers and Economic Advising in the United States', Economic Journa/102: 1223-34.

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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>MASFAA</strong> – Midwest Association of Student Financial Aid Administrators. MASFAA includes the following states: Missouri, Illinois, Indiana, Iowa, Michigan, Minnesota, Ohio, West Virginia, and Wisconsin.
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<strong>DE</strong> – U.S. Department of Education, which may also be referred to as ED, USDE, or simply the Department.
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Shackle, George Lennox Sharman, 1903-92 (B3)<br />UK economist noted for his works on EXPECTATIONS. After an education at New College, Oxford, and the London School of Economics, he worked at the Oxford Institute of Statistics and, during the war, in the Economic Section of the Cabinet Secretariat before being appointed Reader in Economic Theory at Leeds University from 1950 to 1951 and Brunner Professor of Economic Science at the University of Liverpool from 1951 to 1969. He delved deeply into the central issues of KEYNES'S GENERAL THEORY, EXPECTATIONS and UNCERTAINTY, e.g. in his Expectations, Investment and Income (1938) and Expectations in Economics (1949). A lively account of the renaissance of economics in the 1930s is detailed in The Years of High Theor y (1967). The principal questions he examined were the significance of time, the meaning and process of human choosing and the role of information in choosing.<br /><em>See also:</em> potential surprise function <br /><em>Reference</em><br />Ford, J.L. (ed.) (1990) Time, Expectations and Uncertainty. Selected Essays of G.L. S Shackle, Aldershot: Edward Elgar.

These constitute the part of long-term financial capital without a claim on the assets of a firm and which will be lost if the enterprise goes bankrupt.

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Robinson Crusoe economy (E1)<br />An abstract model ECONOMY, based on Daniel Defoe's 1719 novel, which engages in simple capital accumulation. Although he has an initial capital endowment through salvaging goods from the shipwreck, he establishes himself as a farmer on a desert island through using ROUNDABOUT METHODS OF PRODUCTION. He learns that production is only possible when he has first attended to his security and that money is useless in an isolated economy without exchange. Robinson Crusoe has long been used as an example of an optimizing economic man who abandons AUTARKY for EXCHANGE and as the embodiment of bourgeois values, the independent modem economic man.<br /><em>Reference</em><br />Grapard, V (1995) 'Robinson Crusoe: the quintessential economic man?' Feminist Economics 1: 33-52.

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Heckscher, Eli Filip, 1879-1952 (B3) Swedish economist and economic historian who was professor at the Stockholm Business School from 1909 to 1929. His monumental historical works on MERCANTIusM and population are as famous as his contribution to international trade theory, nOW known as the HECKSCHER OHLIN TRADE THEOREM.

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<strong>ACH</strong> – Automated Clearinghouse, an overnight method of transferring funds electronically via the Federal Reserve.
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constrained market pricing (D4, L5) Prices in little need of regulation because they are constrained by competition. This concept is used by US regulatory agencies, such as the INTERSTATE COMMERCE COMMISSION, in its pricing policies. Prices not constrained by competition have to be between a floor price equal to marginal cost and a ceiling price equal to the STANDALONE COST.

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<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.

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