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<strong>Extended repayment schedule</strong> – A repayment schedule option available to borrowers with outstanding principal and interest in FFEL Program loans totaling more than $30,000. An extended repayment schedule may provide for standard or graduated installments not to exceed a period of 25 years. Note: this option is only available to borrowers who meet the qualifications on or after October 7, 1998.

flight from money (E4)<br />A reduction in the DEMAND FOR MONEY because of an expectation of rising prices or a fall in nominal interest rates.
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Schumacher, Ernst Friedrich, 1911-77 (B3)<br />UK economist and prophet who was born in Bonn and educated at Berlin, Bonn, Oxford and Columbia Universities. When he was interned in the UK in 1940-5, he worked first as an agricultural labourer and then at the Oxford Institute of Statistics on the problem of a new INTERNATIONAL MONETARY SYSTEM, which he discussed with KEYNES. He was naturalized British at the end of the war so that he could become a member (1946-50) of the British section of the Control Commission in Germany. From 1950 to 1970 he was economic adviser and subsequently Director of Statistics to the National Coal Board. His increasing interest in Buddhism gave his economics a distinctively ecological character and prompted his appointment as economic adviser to the government of Burma. He was the princi- pal proponent of INTERMEDIATE TECHNOLOGY and of self-help to solve the rural poverty problems of less developed countries. His famous attack on materialism and consumerism was in his immensely popular set of essays Small is Beautiful; as its subtitle A Study of Economics as if People Mattered claimed, there can be an economics based on humanitarian considerations.<br /> <br /><em>Reference</em><br />Schumacher, E. F. (1973) Small is Beautiful: A Study of Economics as if People Mattered, London: Blond & Briggs.<br /> Wood, B. (1984) Alias Papa: A Life of Fritz Schumacher, London: Jonathan Cape.
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<strong>Payment period</strong> – The basis on which a school must schedule and deliver disbursements for a particular loan period. A payment period is determined by the structure of the school' s academic program.

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<strong>Guarantee</strong> – A conditional legal obligation for the guarantor to reimburse the FFEL Program lender for some portion of a loan that is not repaid by the borrower due to default, death, disability, or other reason defined in federal regulations.
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<strong>AL</strong> – Alternative loan, the CommonLine loan type code used to identify any non federal student loan, also referred to as “private loan.”
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<strong>CDA</strong> – Central Disbursing Agent, a lender, servicer, guarantor, or other entity that combines disbursement funds and data from multiple origination sources and issues a single EFT transfer and disbursement roster to the school.
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<strong>NASFAA</strong> – National Association of Student Financial Aid Administrators.
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<strong>Write-off</strong> – A loan amount for which there has been a total cessation of collection activity.
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<strong>Trailer record</strong> – The ending portion of a CommonLine file. The trailer record contains a summary of the preceding records, including totals, and is used to verify transmissions. In CommonLine file specifications, the trailer record is documented as @T.
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<strong>SMART Grant</strong> – Science and Mathematics Access to Retain Talent, a new federal grant available as of July 1, 2006. Eligibility for this grant is based on science and math curriculum and academic performance as well as financial need. May also be referred to as the National SMART Grant Program.
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corporation income tax (H2)<br />A major tax used by the US federal government for raising revenue. To avoid its constitutionality being challenged in the courts, it was levied as an excise on the privilege of doing business as a corporation. Until 1941, it raised more revenue than the INDIVIDUAL INCOME TAX. The tax is paid in two instalments in the first six months of the year following the tax year in which a corporation's income arises.
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Granger causality (C1)<br />A statistical technique which uses phase correlations between two variables to predict future values of one of the variables. A popular use of this has been in correlating GDP and stock market prices.

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<strong>Claim</strong> – The process by which the lender or holder requests reimbursement from the guarantor for a FFEL Program loan due to the borrower' s default, loss of eligibility, or qualification for forgiveness or discharge.

efficient job mobility (J6)<br />Movement of workers to different jobs in response to a changing pattern of demand which results in the elimination of labour shortages.<br /><em>See also:</em> labour mobility
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<strong>Response File</strong> – The CommonLine file type used to return responses to application send files and change transaction send files. A response file contains a snapshot of the processor' s database after processing an application for guarantee or after posting a change transaction. A response file generally contains “R records” but may also contain “M records,” if desired.
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customize (L2)<br />To modify the standard design of a coNsuMER DURABLE by minor changes in its appearance or functions to allow its owner to express his or her personality, e.g. replacing small car/automobile wheels by larger ones.
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