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<strong>HEA</strong> – the Higher Education Act of 1965, as amended, which created the federal student aid programs.

<strong>Package</strong> – Schools award, or “package,” student aid for each year for students. Once the aid is packaged, schools send award letters to students indicating the type(s) and amount(s) of financial aid awarded for year. (Under 34 CFR 668.16(h), the school is required to provide information about the sources and amounts of aid offered.)

new fiscal federalism (H7)<br />US system of FEDERAL FINANCE proposed by President Ronald Reagan and agreed by the US Congress in 1996 which instituted block grants to states in place of categorical grants usually based on entitlements for eligible families and persons. This new system was intended to reduce federal spending and to give states more discretion in spending.<br /><em>Reference</em><br />Hosek, J. and Levine, R. (1986) The New Fiscal Federalism and the Social Safet y Net. A View from California, Santa Monica, CA: RAND Corporation.
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Multilateral Investment Guarantee Agency (F3)<br />An offshoot of the woRLD BANK created in 1988 to promote foreign investment by guaranteeing against many risks, including expropriation and currency transfer. It also offers advice to developing countries wanting to make their economies more attractive to the potential foreign investor.

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<strong>Administrative forbearance</strong> – A temporary suspension, reduction, or time extension for making principal and/or interest payments on a FFEL Program loan. During any period of forbearance, interest continues to accrue on the loan.

<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>Deferment</strong> – 1) A period of time during repayment in which the borrower, upon meeting certain conditions, is not required to make loan principal payments. For a subsidized Federal Stafford Loan, the loan is also eligible for a federal interest subsidy during periods of deferment. For an unsubsidized Federal Stafford, PLUS, or Grad PLUS Loan, the borrower is responsible for the interest during periods of deferment. In this case, the interest may either be paid or may be accrued and capitalized onto the principal amount. 2) For the Bright Flight program, a student may be eligible for a deferment of eligibility for up to 27 continuous months for participating in a student exchange program, service to a non-profit organization, service or active duty in the armed forces, and for medical reasons.
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automatic stabilizer (E3, H3)<br />A built-in feature of tax structures and public expenditure programmes. It reduces fluctuations in an economy, making it respond more easily to shocks. Prominent examples of stabilizers include PROGRESSIVE TAXES (which prevent post-tax income rising at the same rate as pre-tax income) and unemployment insurance (which prevents personal income from falling below a predefined 'floor'). The GOLD STANDARD was a major type of automatic stabilizer. All these stabilizers have the characteristic of preventing the rise or fall of national income, and consequently employment, being as great as it would be in the absence of a government with an ACTIVE FISCAL POLICY. It is the experience of most countries that as these financed by borrowing and the liquidation of assets.

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<strong>CR:C</strong> – Common Record: CommonLine, the FFEL Program industry' s newest electronic communication standards by which loan and borrower information is electronically gathered, stored, and transmitted via an XML format. CR:C file specifications are agreed to by the industry' s Electronic Standards Committee (ESC) and may be retrieved from the NCHELP website at www.nchelp.org.

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social market economy (P4)<br />An ECONOMY combining private ownership of industry and market methods of allocation with high welfare expenditures and industrial policies. Germany has been a major example of this type of economy since the late nineteen th century.

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relative price (DO)<br />The price of one good expressed in terms of another, rather than money. The relative price of apples can be expressed in terms of oranges if a consumer has a choice between consuming either apples or oranges from a given income. Relative prices can be expressed by the slope of a BUDGET LINE. See also: opportunity cost; price
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<strong>Half Time (HT)</strong> – An enrollment status indicating the student is carrying an academic workload, as determined by the school, that is more than half time but less than full time. For the Marguerite Ross Barnett scholarship, half-time enrollment is defined as 6-11 credit hours.

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public utility (L2, L3)<br />An industry or enterprise providing basic services to the public, such as energy, water,

<strong>Deficit Reduction Act of 2005</strong> – Legislation signed into law by President Bush in February of 2006. The portion of the legislation impacting student financial aid provisions, including student loan interest rates and fees, consolidation rules, school as lender, and other policies and procedures, is referred to as the Higher Education Reconciliation Act (HERA) of 2005.

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<strong>Auxiliary Loans to Assist Students (ALAS)</strong> – This federal student loan program was available from 1981 to 1986; in 1986 it was re-named the Parent Loans for Undergraduate Students (PLUS) program.

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<strong>Lender of Last Resort (LLR)</strong> – A student loan lender that agrees to make Stafford Loans to qualified students, regardless of the type of school, school' s CDA, etc. The MDHE offers an LLR program for Missouri students.
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<strong>FDLP</strong> – The William D. Ford Federal Direct Loan Program, a federal student loan program through which the U.S. Department of Education loans money directly to students and parents rather than having the loans funded by private lenders, as in the case of the FFEL Program.

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<strong>PLUS Loan for Graduate and Professional Students</strong> – Effective July 1, 2006, PLUS loans may be offered to graduate and professional students. According to CommonLine file specifications, the loan type to be used for Grad PLUS Loans is GB.

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debt service indicator (GO)<br />A measure of the ability of a borrower to meet capital and interest payments on a debt. Indicators used include the debt service ratio (interest and capital repayments due divided by export earnings), the cash flow ratio (current account surplus minus interest payments divided by export earnings), and the solvency ratio (the percentage of a country's export earnings which it would have to devote to debt servicing to keep its total debt - export ratio on a declining trend).

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<strong>Online MDHE: A resource for students and their families</strong> – a guide for getting the most out of the MDHE' s Web tools and resources. This publication and all publications published by the MDHE can be requested on the Publications Order Form: http://www.dhe.mo.gov/publicationsorderform.shtml.

<strong>Hold/release code (H/R code)</strong> – Within CommonLine file specifications, an “H” may be used to indicate a hold on a disbursement and an “R” indicates a status of “release.” This transaction is located within the @1-09 record.
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<strong>The Blue Book</strong> – Department of Education manual providing guidance to school business office personnel who handle fiscal recordkeeping, accounting, and reporting functions for the federal Title IV student financial aid programs. The most recent edition is dated October 2005 and may be retrieved from the IFAP website (http://www.ifap.ed.gov/bbooks/102005BlueBook.html).

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