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<strong>Sallie Mae</strong> – A for-profit FFEL Program secondary market and servicer that originates, disburses, services, and purchases FFEL Program loans.
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Royal Economic Society (A1)<br />The leading UK association of economists founded in 1890 and known for its publication of the Economic Journal, which has always been edited by leading economists including EDGEWORTH and KEYNES.<br /> <br /><em>Reference</em><br />Hey, J.B. and Winch, D. (eds) (1990) A Century of Economics: 100 Years of the Royal Economic Society and the Economic Journal, Oxford: Basil Blackwell.

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Fixed costs A consumer's continued purchasing of the same differentiated good for a considerable period of time. As firms benefit from a stable regular demand, they will make it an objective of their advertising to achieve this goal. Brand loyalty lowers the ELASTICITY oF DEMAND for a good and gives firms a measure of MONOPOLY POWER.<br /><em>See also:</em> monopolistic competition
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<strong>Student Aid Report (SAR)</strong> – The paper output record provided to the student after completing the FAFSA. The SAR contains the student' s EFC and results of federal database matches. The electronic version of the record, which is sent to the school, is called the ISIR.

cost of living index (J3)<br />Now termed in the UK the RETAI L PRICE INDEX. It shows changes in the cost of purchasing a bundle of goods and services representative of the average consumer. The Ministry of Labour and now its successor, the Department for Education and Employment, had to maintain this index as it is of crucial importance to wage bargaining.<br /><em>See also:</em> consumer price index

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output gap (E1)<br />The difference between the actual level of output of an economy and its potential or capacity output level, usually based on econometric modelling. A positive output gap reflects labour and other shortages threatening inflation; a negative gap restrains inflation.<br /><em>See also:</em> inflationary gap
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ex post variables (EO)<br />Variables which show actual econom1c outcomes, e.g. the amount of fixed investment which has been undertaken. In the 1930s there was much discussion in macroeconomics of how ex ante savings and investment that were different in amount became equal ex post. One possibility was for there to be saving at each round of income generated from an ex ante investment excess over ex ante saving.<br /><em>See also:</em> ex ante variables
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internal debt (H6)<br />The debt a government owes to the firms and households of the country it rules. This is the result of a government spending more than it taxes.<br /><em>See also:</em> external debt

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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.

<strong>DESE</strong> – Department of Elementary and Secondary Education, the Missouri state agency overseeing the state' s elementary and secondary public school systems as well as the A+ Program.
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monopoly zoning (H7)<br />A local government strategy to create a fiscal surplus based on maximizing fiscal revenue and minimizing the cost of service provision by a careful drawing of local boundaries.
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<strong>COOL</strong> – College Opportunities OnLine, a college locator tool offered online by the U.S. Department of Education' s National Center for Education Statistics. The site is located at the following url: http://www.nces.ed.gov/ipeds/cool/.

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equity warrant (G2)<br />An Option to buy an ORDINARY SHARE Or coMMON STOCK at a fixed price in the future. It is issued in the form of a bond with a low COUPON. In the case of EUROBONDS, the warrant is issued attached to a bond denominated in a particular currency. However, the warrant is often detached and traded separately. The popularity of this cheap method of stock market speculation is reflected in the rapid increase in warrant prices.
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<strong>Midwest Student Exchange Program (MSEP)</strong> – This program ensures reduced tuition rates to Missouri residents who enroll in designated academic programs at participating schools in Kansas, Michigan, Minnesota, Nebraska, North Dakota, and Wisconsin. (Residents of those states may enroll in designated academic programs at participating Missouri schools.) More information is available at: http://www.mhec.org/.
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invisible trade (F1)<br />International trade in services, particularly banking, insurance, shipping, tourism and professional advice. This is the principal economic activity of the City of London and other leading financial centres.<br /><em>See also:</em> balance of payments
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<strong>NCLB</strong> – No Child Left Behind Act of 2001.
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downstream firm (L2)<br />A firm engaged in a later stage of production or retailing.

gross federal debt (H6)<br />The broadest definition of the US federal debt. It includes the borrowings of the US Treasury and of various federal agencies.<br /><em>See also:</em> total public debt
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New Approach, New York: Columbia University Press.

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<strong>College Access Initiative</strong> – Included in the Deficit Reduction Act of 2005, this initiative requires guarantors to undertake activities to promote access to postsecondary education. Information and tools may cover topics such as college planning, career preparation, and paying for college and may be made available via websites, publications, or other programs.
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comparative advantage (F1)<br />The principle justifying individuals or nations specializing in those economic activ- Thus, England can produce cloth relatively more cheaply than wine and Portugal can produce wine more cheaply than cloth. The countries will both gain by increased specialization in the production of the good for which they have a comparative advantage, even though Portugal has an absolute advantage in the production of both commodities.<br /><em>See also:</em> Heckscher - Ohlin trade theorem; Leontief paradox; Rybczynski theorem; terms of trade

<strong>IPEDS</strong> – Integrated Postsecondary Education Data System, an annual report filed by postsecondary educational institutions to the U.S. Department of Education. IPEDS data is submitted to the National Center on Education Statistics (NCES).
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<strong>DHS</strong> – Department of Homeland Security. On March 1, 2003, the DHS absorbed the former federal agency, Immigration and Naturalization Service (INS). At that time, the INS was renamed the U.S. Citizenship and Immigration Services (USCIS).

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<strong>PL</strong> – 1) Loan type within CommonLine file specifications for a parent PLUS loan (as opposed to a Graduate PLUS loan, which has a loan type of “GL” ). 2) Public Law. For example, the public law associated with the HERA is PL 109-171.

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<strong>Accrued interest</strong> – Each day interest is calculated on the unpaid principal balance of a loan and increases (accrues). Interest accrues on a subsidized Stafford Loan after the grace period is completed and the borrower enters repayment. For unsubsidized Stafford, parent PLUS, and Grad PLUS Loans, on the other hand, interest begins to accrue after the first disbursement of the loan.

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consumer durable (DO)<br />A consumer GOOD not immediately consumed but the producer of a stream of services over a period of years. Vehicles, electrical goods and other durable household articles are major examples. Unlike the services of houses, there is no inclusion of the benefits of consumer durable own-
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