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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>Federal Direct Loan Program (FDLP)</strong> – The William D. Ford 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>Loan transfer</strong> – Any action that results in a change of the system used to service a loan.

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POS machine (G2)<br />Point of service register in a shop communicating directly with the customer's bank.<br /><em>See also:</em> debit card
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command and control regulation (Q2) Administrative and statutory rules concerning pollution control. Sources of pollution are narrowly defined, specific control devices prescribed and emissions standards applied. Critics of this approach to POLLUf lON coNTROL assert that it ignores both the extent of pollution damage and the costs of regulation.
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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>Assignment of a loan</strong> – Any change in the ownership of a loan.

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environmental tax (Q2)<br />A tax on a polluter related to the external costs of private production.<br /><em>See also:</em> effluent fee

<strong>CAM</strong> – Common Account Maintenance, the FFEL Program industry' s electronic data standard used by lenders, servicers, and guarantors. Created by the National Council of Higher Education Loan Programs (NCHELP), CAM specifies the type of content, record format, and file structure for sharing data on borrowers and their loans.

<strong>Fiscal Year (FY)</strong> – An annual budgetary period. A fiscal year may be defined as a calendar year or other period, such as a State Fiscal Year (July 1-June 30) or Federal Fiscal Year (October 1 - September 30).

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<strong>Institutional aid</strong> – Financial aid programs created, funded, and administered by any given postsecondary institution.

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industrial training grant (I2, J2)<br />A payment made by central government or by a fund financed by the firms of an industry to pay for vocational training. Without such grants it would be difficult for many small firms to finance adequate training and there would be a tendency for firms undertaking little training to attempt to acquire trained workers by paying above-market wage rates. In a period of great technological change, industrial training has become central to the survival and successful future of many firms.<br /><em>See also:</em> general training
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<strong>Enrolled</strong> – The status of a student who has been admitted to an educational program or has completed an institution' s registration requirements.

<strong>Mapping Your Future (MYF) Online Stafford Exit Counseling Leaflet</strong> – A guide to completing student loan exit counseling online through Mapping Your Future, This publication and all publications published by the MDHE can be requested on the Publications Order Form: http://www.dhe.mo.gov/publicationsorderform.shtml

market prices (E3)<br />A valuation of the NATIONAL INCOME that includes indirect taxes net of subsidies.<br /><em>See also:</em> factor cost; gross national product

pension fund (G2)<br />The accumulated contributions of an employer and employees of a firm, or other employing organization, which are used to finance the future payment of retirement pensions. In the UK, the largest funds are those of the long-established public corporations, major private sector firms and local governments. Pension funds since 1945 have become major INSTITUTIONAL INVESTORS with the potential to have a great influence on the movement of share prices.
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second economy (P4)<br />The market-oriented part of a socialist economy run by private persons. It can be legal or illegal; increasingly, private enterprise has been permitted in the service sector in Eastern Europe.<br /><em>See also:</em> first economy <br /><em>Reference</em><br />Grossman, G (1977) 'The second economy of the USSR', Problems of Communism 26: 25-40.
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<strong>TRIO</strong> – Special federal programs for students from disadvantaged backgrounds.
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so further Congressional approval is needed to make some public spending changes.<br /><em>See also:</em> earmarking; ringfencing

advance (GO)<br />A bank loan or an overdraft which has a term of less than three years, usually less than one year. When a bank creates money, it does so by allowing advances to its customers, i.e. permitting them to draw on the extra bank deposits created for them. An overdraft is a permission to 'overdraw' up to a certain amount for a specified period, but a loan results in an immediate crediting of the borrower's account.

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Petty, Sir William, 1623-87 (B3)<br /> Described by MARX as the 'founder of political economy' and by KEYNES as 'the father of modem economics'. He had an eventful life rising from being a cabin boy of humble origins to a chair of anatomy at Oxford, a chair of music at Gresham's College, London, Physician-General to Cromwell's army in Ireland, a founder of the Royal Society and an original thinker in economics, far surpassing most of his MERCANTILIST contemporaries. His principal mentor was Thomas Hobbes, particularly in matters of taxation.<br /> Most of his economic writings, dictated at night to his secretaries as he paced up and down his study munching raisins, were attempts to solve the policy problems posed by the Restoration of Charles II. His most comprehensive work was the first economic work on public finance, A Treatise of Taxes (1662); his posthumous Political Arithmetick (written 1671, published 1690) introduced the quantification of economic variables to political economy. He is credited with the first clear enunciation of many economic ideas, including HUMAN CAPITAL, the LABOUR THEORY OF VALUE, EXPENDITURE TAXES, PUBLIC WORKS as a cure for UNEMPLOYMENT, the DIFFERENTIAL THEORY OF RENT, the TRADE CYCLE, THE CIRCULAR FLOW of income, the bank creation of credit and the VELOCITY OF CIRCULATION.<br /> <br /><em>Reference</em><br />Hull, C.H. (ed.) (1899) The Economic Writings of Sir William Petty, Cambridge: Cambridge University Press (reprinted New York: A.M. Kelley, 1964-5).<br /> Roncaglia, A. (1985) Petty: The Origins of Political Economy, Cardiff: University College Cardiff Press.
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National income & inflation illusion (E3) see money illusion
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<strong>Award Year (AY)</strong> – The standard federal definition of an award year is July 1 through June 30. (Note: the acronym “AY” may also refer to the Academic Year or Aid Year.)
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<strong>Ability to benefit</strong> – Basis on which a student without a high school diploma or GED may qualify for federal student aid. To demonstrate the ability to benefit from a program of study, a student must take a test that is approved by the U.S. Department of Education.
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customs union (FO)<br />A group of countries with a coMMON EXTERNAL TARIFF but with free trade amongst themselves and free movement of labour and capitaL The EUROPEAN COMMUNITY is a major example of such an arrangement. Many theories about customs unions are based not only on how free trade based on COMPARATIVE ADVANTAGE is beneficial but also on WCAT!ON THEORY to understand the changes within the cus- toms union, e.g. the movement of capital and population towards GROWTH POLES creating a dynamic effect of a union.
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