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standard error of estimate (C1) A measure of the scatter of values about a regression line of Yon X which is measured by the square root of the sum of deviations of Y values from the estimated

Private loan – A non federal student loan, also referred to as “alternative loan.” Private loans are offered to students and/or parents by many, many lenders, secondary markets, and other private entities.
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central limit theorem (C1) An attempt to explain why so many distributions of independent variables are close to the NORMAL DISTRIBUTION.
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Bursar, or Business Office – The institutional office that is responsible for the billing and collection of school charges.

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SAL – School as Lender. A school, other than a correspondence school, that has been approved to act as a lender under the FFEL Program for its graduate and professional students. (Note: to participate as an SAL, the school had to be participating as of April 1, 2006. No new schools are being approved to act as their own lender.)

Disbursement – 1) The transfer of loan funds by the lender to the school or escrow agent. (Note: under limited circumstances, a lender may also disburse funds directly to the borrower.) For a Federal Consolidation Loan, disbursement occurs when loan proceeds are transferred from the consolidating lender to the current holder of the loan being consolidated, which pays the original loan in full. 2) For the state student assistance programs administered by the MDHE, disbursement is the transfer of grant or scholarship funds to the school, or in some instances, to the student. Disbursement to the school occurs via EFT or master check. Disbursement to a student occurs via individual check.

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dual federalism (H7) A loose form of federalism in which the federal and state levels act separately but in paralleL This traditional view of the US Constitution implies that federal government is mainly concerned with interstate commerce with production being the concern of the states. See also: co-operative federalism; fiscal federalism; new federalism

price system (DO, P1) A method of allocating goods and services or factors of production by the free movement of prices. The characteristics of this system are its economy in the amount of information needed for decision making and its ability to bring about swift adjustments of supply to demand. Excess DEMAND automatically pushes up prices, giving a direct signal to producers to increase their labour forces and capital stocks. However, the price system is criticized on the grounds that it ignores many sociAL cosTs as these are rarely evaluated and charged to those responsible and can create income inequalities. See also: central planning

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Award – Schools award, or “package,” student aid for each year for students. Once the aid is awarded, schools send award letters to students indicating the type(s) and amount(s) of financial aid awarded for the year. (Under 34 CFR 668.16(h), the school is required to provide information about the sources and amounts of aid offered.) The financial aid award may also be referred to as the “financial aid package.”

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Skip tracing – Efforts to locate a borrower' s telephone number or address when such information is unknown.
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stakeholder (GO, M1) 1 A person with an interest in a business, a fund or a community. The interest can arise from financial investment, employment or citizenship. 2 A member of society aware of collective obligations and freedoms. 3 A trustee of society balancing the interests of one group against another. 4 A person relying on shared values and co-operative behaviour opposed to INDIVIDUALISM. Reference Plender, J. (1997) A Stake in the Future. The Stakeholding Solution, London: Nicholas Brealey.

hegemonic cycle (E3, NO) A systematic shift in economic actlVlty between a period dominated by one power and a period unstable because of rivalry between world powers. These cycles last about 100 years. See also: Kondratieff cycle; logistic cycle Reference Arrighi, G. (1994) The Long Twentieth Century, London: Verso.
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Free Application for Federal Student Aid (FAFSA) – The form the student must complete to apply for federal Title IV financial assistance. The FAFSA may also be completed on the web at the following url: http://www.fafsa.ed.gov/.
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Perkins Loan – The Federal Perkins Loan Program, a campus-based Title IV student loan program administered by the school.

ED – U.S. Department of Education, which may also be referred to as DE or simply the Department.
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SAL – School as Lender. A school, other than a correspondence school, that has been approved to act as a lender under the FFEL Program for its graduate and professional students. (Note: to participate as an SAL, the school had to be participating as of April 1, 2006. No new schools are being approved to act as their own lender.)
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DE – U.S. Department of Education, which may also be referred to as ED, USDE, or simply the Department.
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grey belt (Jl) An area with a high proportion of retired people in its population. In many countries, the grey belt is situated on the coastline with the best climate. See also: ageing population
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shadow price (DO) An imputed price used where a market price does not exist. These prices are used by large firms for their internal transactions, by central planners for accounting purposes and in COST BENEFIT ANALYSIS to measure the effects of a particular investment. There are shadow rates of interest, shadow exchange rates and shadow wage rates. The purpose of such pricing is to correct distortions introduced by monopoly, taxes and unemployment. The concept has many applications in both developed and less developed countries (because they tend to overvalue their labour and undervalue their foreign exchange). Reference Little, !.M.D. and Scott, M.P.G. (eds) (1976) Using Shadow Prices, London: Heinemann Educational.

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post-industrial society (PO) An economically advanced society with a declining manufacturing activity and expanding service sector. This inter-sectoral switch has coincided with the shrinking of the size of the working class, the growth of education and the growth of new industries based on INFORMATION TECHNOWGY. With declining manufacturing activity, an economy becomes more decentralized as, increasingly, productive activities move from factories and offices back to the home, in some senses resembling the pattern of economic activity before the Industrial Revolution. See also: de-industrialization; new economy Reference Bell, D. (1973) The Coming of Post-Industrial Society, Cambridge, MA: Harvard University Press. Shelp, R.K. (1981) Beyond Industrialization, New York: Praeger.

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event study (C5, GO) The analysis of the statistical significance of the occurrence of a particular type of event, e.g. a stock repurchase or financial restructuring, for the market value of a company in a financial market.
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