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Old 08-05-2011, 03:26 PM   #431
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<strong>Delinquency</strong> – A period that begins on the day after the due date of a loan payment when the borrower fails to make the equivalent of at least one full payment.
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<strong>IFAP</strong> – Information for Financial Aid Professionals, an electronic library (www.ifap.ed.gov) provided by the U.S. Department of Education which includes publications and regulations for the federal student aid programs.

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Old 08-05-2011, 03:53 PM   #432
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<strong>Consummated loan</strong> – A loan for which disbursement funds have been delivered to the borrower. For example, a loan is considered consummated when the borrower cashes a paper check from the lender or when the school applies the proceeds of an ACH transfer to the student' s account.
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<strong>OAKFAP</strong> – The Ozark area group of financial aid professionals, normally meeting in Springfield.
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<strong>FWS</strong> – Federal Work-Study Program, a campus-based Title IV student employment program administered by the school. FWS is a need-based program.

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Old 08-05-2011, 04:21 PM   #433
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<strong>OERI</strong> – Office of Educational Research and Improvement, a division of the U.S. Department of Education. The Education Sciences Reform Act of 2002 renamed this office the Institute of Education Sciences (IES).

<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.
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<strong>Repayment start date</strong> – the date the repayment period begins. For Stafford Loans, the repayment period begins on the day following the last day of the grace period. For PLUS Loans, repayment begins on the date the loan is fully disbursed. (PLUS Loans are, however, eligible for an in-school deferment when the borrower is enrolled at least half time.)

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Old 08-05-2011, 04:48 PM   #434
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<strong>Proration</strong> – A reduction of the standard annual loan limit for an undergraduate student if the student' s program or remainder of the program is less than a full academic year in length.
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<strong>Mapping Your Future (MYF) 10 Financial Fitness Tools</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.

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Old 08-05-2011, 05:15 PM   #435
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physical quality of life index (D6)<br />A measure of ECONOMIC WELFARE more sophisticated than GROSS NATIONAL PRODUCT per capita. This index, pioneered by the Overseas Development Council of Washington, DC, is based on the percentage of literacy in a population, infant mortality and life expectancy after age 1 (to avoid double counting of infant deaths). Some countries rank much lower by this index than by per capita gross national product, e.g. oil-producing countries. Critics of the index are concerned about its narrowness as there are so many other physical indicators of welfare.<br /> <br /><em>Reference</em><br /> Morris, M.D. and Alpin, M.B. (1980) Measuring the Condition of the World's Poor: The Physical Quality of Life Index, New Delhi: Promilla.
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<strong>Standard repayment schedule</strong> – A repayment schedule under which the borrower pays the same amount for each installment payment throughout the entire repayment period OR pays an amount that is adjusted to reflect annual changes in a variable-rate loan.
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Old 08-05-2011, 05:43 PM   #436
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<strong>Your Choice: Choosing the right lender & guarantor for your student loan</strong> – helpful tips on how to save money by selecting the right lender & guarantor for your individual needs. This publication and all publications published by the MDHE can be requested on the Publications Order Form: http://www.dhe.mo.gov/publicationsorderform.shtml.
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<strong>MODEL</strong> – Missouri Direct for Educational Loans, the MDHE' s system used to guarantee and track FFEL Program loans and borrowers.

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Old 08-05-2011, 06:06 PM   #437
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linkage (D2)<br />The forward or backward connection between industries at different stages of production. The measurement of the increases in employment and value added brought about by the expansion of one part of an ECONOMY uses the linkage idea. Most aspects of an economy - prices, taxes, public expenditure, technology and information - are considered. Some enthusiasts, who have emphasized linkages as the key to ECONOMIC GROWTH, have ignored the existence of resource constraints.<br /><em>See also:</em> backward linkage; forward linkage

<strong>Nonsubsidized loan</strong> – A loan that is not eligible for federal interest benefits. (Note: nonsubsidized loans were offered by some guarantors before the introduction of the unsubsidized Stafford Loan Program.)

<strong>ATOM</strong> – Automated Transfer of Money, the MDHE' s free disbursing service.

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Old 08-05-2011, 06:32 PM   #438
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operations and to co-ordinate the different functions of the organization. The CEO sometimes is also a director or president or chairman/woman.
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information externality (D8)<br />The supply of a PUBLIC GOOD by a private individual; for example, the activity of a pioneer that indicates to successors whether a venture is worthwhile.
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<strong>Need cutoff</strong> – The need amount that students had to demonstrate to qualify for the Gallagher and College Guarantee Programs through the 2006-07 academic year. The MDHE estimated the need cutoff in the spring of each year before final appropriations and student eligibility was known. The actual need cutoff was then determined prior to setting spending authority in FAMOUS.

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Old 08-05-2011, 06:54 PM   #439
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<strong>NPRM</strong> – Notice of Proposed Rulemaking, an announcement in the Federal Register of proposed regulations with explanation and a specified period during which public comment is invited.
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<strong>Budget</strong> – Synonymous with Cost of Attendance (COA). In financial aid terms, a budget is an estimate of a student' s total education-related expenses for an enrollment period. The budget generally includes tuition, fees, room, board, books, supplies, and personal expenses. For the Charles Gallagher program, the standard budget for each institution consists of the institution' s prior year tuition and fees, room and board, and book costs reported through IPEDS, as well as standard budget figures determined by the MDHE using the Consumer Price Index (CPI). For the College Guarantee program, the budget is the lesser of the institution' s Gallagher budget or the average cost of attendance at the University of Missouri-Columbia.

<strong>Federal Perkins Loan</strong> – The Federal Perkins Loan Program, a campus-based Title IV student loan program administered by the school.

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Old 08-05-2011, 07:14 PM   #440
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