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<strong>AWG</strong> – Administrative Wage Garnishment; federal student loan holders may withhold a portion of a borrower' s wages after a loan is in default.

<strong>Entrance counseling</strong> – Counseling required to be provided by a school to its borrowers prior to delivering a student' s first disbursement associated with his or her first loan.
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black market (D4)<br />An unauthorized market with transactions contrary to governmental regulations. Markets of this kind are often found when there are price or EXCHANGE CONTROLS or the restriction of trading to a list of authorized dealers. Soviet-type economies were characterized by these markets.
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incentive contract (H5)<br />A type of contract often made between governmental bodies and private firms which consists of a fixed part (which is a function of the expected cost) and another part (which is proportional to the difference between the expected cost and the actual ex post cost). A private contractor has the greatest incentive to keep costs down if he or she expects to lose most of the difference between the ex ante and ex post costs.<br /><em>See also:</em> ex ante, ex post
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Edge Act Corporation (G2, Ml)<br />A type of US financial corporation m existence since 1919 which can receive deposits from foreign governments and other non-US residents and from US citizens whose deposits are transmitted abroad. It can also hold foreign securities and engage in foreign exchange activities. These corporations can be either banking corporations mainly concerned with accepting deposits or corporations principally involved in investing in foreign nonbanking firms. The advantages of being a corporation of this kind are that they can operate across state boundaries, in the case of international transactions, and that their investments can be wider than those of FEDERAL RESERVE member banks, e.g. in foreign finance.<br /><em>See also:</em> McFadden Branch Banking Act
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<strong>Skip tracing</strong> – Efforts to locate a borrower' s telephone number or address when such information is unknown.
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coefficient of variation (C1)<br />The ratio of a STANDARD DEVIATION to an ARITHMETIC MEAN of a set of values, usually expressed as a percentage. This is a better measure of the dispersion of a set of values than the standard deviation as it can be used for different measures with different magnitudes and can cope with two measures expressed in different units, e.g. monetary and physical.

bilateral monopoly (Ll)<br />A market consisting of a MONOPOLIST and a

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direct utility function (DO)<br />A consumer's utility related to the quantities of goods consumed.<br /> See also: indirect utility function dirigisme (L5)<br />State intervention in society and direction of the economy as practised in France from the seventeenth century.<br /> See also: Colbertism; mercantilism dirty float (F3)<br />An exchange rate regime which, for the most part, is dominated by market forces but occasionally has interference by governments and central banks to prevent an excessive fluctuation in the value of a currency.<br /> See also: floating exchange rate disappointment aversion (DO, G1)<br />Being willing to suffer more pain from a loss than receiving pleasure from gammg the same amount. This aversion causes many people to prefer the high probability of a small loss in a lottery to the low probability of a high loss through investing in EQUITIES.<br /><em>Reference</em><br />Gul, F. (1991) 'A theory of disappointment aversion', Econometrica 59: 667-86.
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<strong>Coordinating Board for Higher Education (CBHE)</strong> – The governing body overseeing the Missouri Department of Higher Education. The CBHE is comprised of 9 board members and meets 5 times each year.
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