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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.

nominal gross domestic product (EO) GROSS DOMESTIC PRODUCT at current prices. This is regarded as a suitable reference target for regulating public expenditure. In the UK and the USA, GDP figures are published quarterly.
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Cambridge Economic Policy Group (B2, H3)<br />A group of Cambridge economists led by Wynne Godley who recommended an expansionary fiscal policy and import controls in order to alleviate UK unemployment after 1974. They opposed the use of DEMAND MANAGEMENT and INCOMES POLICIES as central instruments for determining the level of AGGREGATE DEMAND.<br /><em>See also:</em> New Cambridge economics
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development (01, 04)<br />1 The movement of an economy from agricultural activities using simple technology to the production of industrial products and a range of services using modern technology. (Even in the seventeenth century PETTY regarded development as the growth of serv1ce industries.)<br />2 The cumulative growth of per capita income, accompanied by structural and institutional changes. Although per capita income is a crude measure unless problems of measuring the GRoss DOMESTIC PRODUCT and its distribution are taken into account, this is often the best proxy measure. Post-1945 development policies have often failed to help the poorest 40 per cent of the world's population. Although many aid programmes have an urban bias, they have widely achieved lower rates of infant mortality, more hospital beds, an increased supply of piped water and the building of many all-season roads.<br /><em>See also:</em> industrialization <br /><em>Reference</em><br />Kitching, G. (1989) Development and Underdevelopment in Historical Perspective.

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<strong>Recognized equivalent of a high school diploma</strong> – A recognized equivalent of a high school diploma may be a GED certificate, the academic transcript of a student who has successfully completed a 2-year program of study acceptable toward a bachelor' s degree, or has obtained other state certifications/requirements.

<strong>Suspension</strong> – Suspension of the eligibility of a school, lender, or servicer to participate in a guarantor' s programs for a specified period of time until specified requirements are met.

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<strong>LOA</strong> – Leave of Absence, an approved break in enrollment, not including a regularly scheduled semester break or spring break, that is requested by the student and approved by the school. The student' s request must be in writing and must include the reason for the leave. An LOA cannot exceed 180 days in any 12-month period.

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Baumol, William Jack, 1922- (B3)<br />US economist, educated at City College, New York, and London University and a professor at Princeton University from 1954 to 1971. He is famous for his economic analysis of management science, particularly his research conclusion that businesses set out to maximize their sales subject to minimum profit targets. Also, his 'unbalanced growth' model demonstrates that the different opportunities for technical progress in the various sectors of an economy lead to chronic problems in the financing of cities, medical care, educational systems and the performing arts. Recently he has been concerned with the environmental implications of welfare economics and CONTESTABLE MARKETS.<br /><em>Reference</em><br />Baumol, WJ. (1966) Performing Arts, the Economic Dilemma: a Study of Problems Common to Theatre, Opera, Music and Dance, New York: Twentieth Century Fund.<br /> - (1977) Economic Theory and Operations Analysis, 4th edn, Englewood Cliffs, NJ: Prentice Hall.<br /> Baumol, WJ. and Oates, WE. (1975) The Theor y of Environmental Policy, Englewood Cliffs, NJ; London: Prentice Hall. Baumol, WJ., Willig, R.D. and Panzar, L.S. (1982) Contestable Markets and the Theory of Industry Structure, New York: Harcourt Brace Jovanovich.
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<strong>FM</strong> – Federal Need Analysis Methodology, the formula used to calculate the EFC, which is then used to determine a student' s eligibility for the federal financial aid, state aid, and/or institutional aid programs.

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<strong>ACT</strong> – American College Testing, a college assessment test administered by ACT, Inc.
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<strong>Financial Aid Director (FAD)</strong> – A staff member at an eligible school who heads the financial aid office.
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<strong>Treasury Offset</strong> – The withholding of a borrower' s federal Treasury payments, such as federal tax refunds, veteran' s benefits, and social security benefits, to repay a defaulted student loan.

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budget constraint (DO)<br />A line showing the maximum amount of goods, in different combinations, which a consumer can obtain from his or her income. It is drawn in combination with INDIFFERENCE CURVES to indicate the maximum utility which can be obtained from a particular level of real income. In the figure, if AB is the budget line and I1, I 2 and I3 are indifference curves, then M is the combination of quantities of goods X and Y at which this consumer maximizes utility. The slope of this budget line shows the relative prices of the two goods; a shift of the line away from the origin indicates an increase in real income.

intermediate target (E6)<br />A guide to the policy strategy needed to reach an ultimate policy goal, e.g. a rate of growth of the money supply designed to achieve inflationless economic growth.

<strong>SAL</strong> – School as Lender. A school, other than a correspondence school, that has been approved to act as a lender under the FFEL Program for its graduate and professional students. (Note: to participate as an SAL, the school had to be participating as of April 1, 2006. No new schools are being approved to act as their own lender.)

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