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<strong>Subsidized loan</strong> – A loan eligible for federal interest benefits. The federal government pays the interest that accrues on subsidized Federal Stafford Loans during the student' s in-school, grace, and authorized deferment periods.

<strong>Transfer</strong> – For student loan servicing purposes, a transfer is any action, such as the sale of a loan, that results in a change of the system used to service a loan.

<strong>Standard repayment schedule</strong> – A repayment schedule under which the borrower pays the same amount for each installment payment throughout the entire repayment period OR pays an amount that is adjusted to reflect annual changes in a variable-rate loan.
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Business Expansion Scheme (G2)<br />UK investment scheme introduced in 1981 to encourage small businesses, especially by giving them access to the finance provided by the UNLISTED SECURITIES MARKET. Tax incentives are available to investors in these businesses.

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basis of average variable cost plus a gross profit margin (which would finance fixed costs) or average total cost with a net profit margin. Many questioned the view that such a rigid pricing policy would be followed if there were great changes in demand either making possible higher prices and greater profits or necessitating price cuts so that at least variable costs would be covered. Out of the theory came the assertion that oligopolists have a KINKED DEMAND CURVE.<br /><em>Reference</em><br />Hall, R.L and Hitch, C.L. (1939) 'Price theory and business behaviour', Oxford Economic Papers 2: 12-45.
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<strong>CommonLine loan sequence number</strong> – A 2-digit number typically assigned by the guarantor at the time of guarantee. This number is attached to the end of the CommonLine unique identifier.

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<strong>Enterprise</strong> – The MDHE' s system for guaranteeing and servicing loans. Enterprise is owned and developed by American Student Assistance (ASA), the MDHE' s servicer. Also referred to as MODEL Enterprise.
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EPA (C5, FO)<br />A world econometric model of the Japanese Economic Planning Agency which includes nine country models (of the seven major OECD countries, Australia and South Korea) and six trading regions.<br /><em>See also:</em> linkage models <br /><em>Reference</em><br />Amano, A., Maruyama, A. and Yoshitomi, M. (eds) (1982) EPA World Economic Model, Vols 1 and 2, Tokyo: Economic Planning Agency.

caring society (D6, PO) see altruism; welfare state carry-back, carry-forward system (H2) A tax system which permits businesses to carry net operating losses back or forward against past or future gains in mcome or capital appreciation.

<strong>Default Aversion Assistance (DAA)</strong> – Assistance provided to a lender by the guarantor in order to prevent a delinquent loan from defaulting.

policy smoothing (E6)<br />Reducing the amplitude in swings in a policy from one limit to another often by using independent non-political boards of experts to formuJate policy changes. Monetary policy is often conducted by an independent central bank.<br /><em>See also:</em> European Central Bank; Federal Reserve System; Monetary Policy Committee

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short (F3)<br />A deficit: a foreign exchange dealer is 'in short' when he or she has a deficit in a particular currency.<br /><em>See also:</em> long
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signal jamming (Ll)<br />A type of BARRIER TO ENTRY that 'jams', or prevents, a potential entrant from gaining information about the profitability of the existing firms of an industry.<br /><em>Reference</em><br />Fudenberg, D. and Tirole, J. (1986) 'A "signal jamming" theory of predation', Rand Journal of Economics 18: 211-31.
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Maquiladora (F1)<br />A trade programme established in 1965 and expanded in 1989 to allow duty-free imports into Mexico for transformation into Mexican exports.

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market, of the first considerable largevolume commercial transactions of each commodity. It is based on over 10,000 commodity price series.<br /><em>See also:</em> consumer price index

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<strong>Charles Gallagher Student Financial Assistance Program</strong> – A Missouri state need-based grant program administered by the MDHE through the FAMOUS system until the 2006-07 academic year. This program was replaced by Access Missouri August 28, 2007. (This program was formerly known as the Missouri Student Grant Program.)
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<strong>PEPS</strong> – Postsecondary Education Participants System, a database of postsecondary institutions that participate in any program administered by the U.S. Department of Education.

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<strong>R record</strong> – Response record, a record type included in CommonLine response files. An “R record” is sent to the original source of a change transaction send file.

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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risky asset (GO)<br />An asset with an uncertain rate of return. Assessments of riskiness depend on consumption plans and the nature of other assets held by investors.
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Humphrey-Hawkins Act 1978 (E6)<br />US federal statute, formally known as the Full Employment and Balanced Growth Act, which extended the EMPLOYMENf ACT 1946 by stating the priorities for the economic goals set for the US president. It also established procedures to improve the co-ordination between the president, Congress and the Federal Reserve System with the hope of improving the formulation of economic policy.
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<strong>GED</strong> – General Educational Development certificate, an equivalent of a high school diploma. (See also “Ability to benefit.” )

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