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<strong>Disbursement date change</strong> – A pre-disbursement change transaction updating the date loan funds should be issued to the school or escrow agent. May also be referred to as rescheduling a disbursement. Within CommonLine 4 files, the disbursement date change is located within the 01-09 record.
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decelerator (H3)<br />A fiscal change, e.g. a cut in public expenditure or an increase in taxation, which counteracts the expansionary effects of the investment ACCELERATOR.
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general fund (H6, M2)<br />Part of a budget providing finance for a variety of purposes.<br /><em>See also:</em> dedicated budget
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Employers' Associations 1965-8 (1968)<br />Report, London: HMSO, Cmnd 3623.
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regional banking pacts (G2)<br />US banking agreements used to overcome the restrictive banking legislation that banned interstate commercial banking to create, in effect, interstate banks. The first pacts were between neighbouring states, e.g. in New England, excluding MONEY CENTRE BANKS.

<strong>Perkins Loan</strong> – The Federal Perkins Loan Program, a campus-based Title IV student loan program administered by the school.
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netput (D2)<br />Net output.
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capital accumulation (E2)<br />Increasing the capital stock by undertaking investment in excess of REPLACEMENT INVESTMENT. This accumulation has been viewed as the expansion of the productive potential of the economy and as the adjustment of the amount of capital to the equilibrium level necessary to achieve an optimal allocation of scarce resources. Adam SMITH attributed this investment to a person's desire for betterment; MARX to the innate greed of capitalists. Today, the principal motivation is to achieve a desired rate of economic growth.
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last-in, first-out (J2, M2)<br />1 A principle for the rotation of inventories/physical stocks. In UK NATIONAL INCOME accounting conventions it enables all items to be valued at current prices; a firm using this principle is able to finance the replacement of stocks in inflationary periods.<br /> 2 The employment policy of firms which lay off first the workers who have been recruited most recently.<br /><em>See also:</em> first-in, first-out

<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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regret (C7, D8)<br />The difference between an actual pay-off and the pay-off that would have resulted

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regulated firm (L5)<br />A firm subject to detailed government regulation of its pricing and investment decisions. PUBLIC UTILITIES are often controlled in this way because the goods and services they provide constitute a major part of the costs of all firms and a high percentage of the consumption expenditure of households.

<strong>FRB</strong> – Federal Reserve Bank, one of 12 banks established by The Federal Reserve Act for holding government reserve funds. The banking industry uses the Federal Reserve system for transferring funds electronically via an overnight process. (See also ACH.)

euro (F3)<br />The common currency of the EUROPEAN UNION adopted by all member states excepting Denmark, Sweden and the UK. It came into force on 1 January 1999 in parallel with the currencies of participating states. Euro coins and notes were issued from 1 January 2002 and became the sole currency in circulation in the states of the eurozone by 28 February 2002. Soon after its inception it experienced a slump in its value.
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<strong>Half Time (HT)</strong> – An enrollment status indicating the student is carrying an academic workload, as determined by the school, that is more than half time but less than full time. For the Marguerite Ross Barnett scholarship, half-time enrollment is defined as 6-11 credit hours.
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<strong>T-bill</strong> – A note or bill issued by the U.S. Treasury as legal tender for all debts. The T-bill is used to calculate variable interest rates for federal student loans made prior to July 1, 2006, and to determine special allowance rates.

<strong>Quality Assurance (QA)</strong> – Any program in business designed to help an office or procedure obtain optimal results. In systems, QA is generally used to describe systems testing prior to releasing new or enhanced software.
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public utility (L2, L3)<br />An industry or enterprise providing basic services to the public, such as energy, water,
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<strong>Regulation B</strong> – The section of the Equal Credit Opportunity Act (12 CFR 202) that prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, ######, marital status, or age.
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quota (D2, F1)<br />A restricted supply of a good or service. Import quotas are used to protect domestic industries; export quotas, to stabilize expor t earnings. Under any system of rationing, a quota will be the amount allocated to a particular person or organization.<br /><em>See also:</em> non-tariff barrier; protection; tariff; volun tary export restraint & R

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public debt (H6)<br />The total volume of government BONDS, BILLS and other SECURITIES outstanding at a pa rticular date. A large public debt accumulates by public borrowing over a number of years, especially to finance wars, infrastructure investments and welfare programmes. The burden of this debt can be measured as the ratio of the cost of servicing it to that country's GRoss DOMESTIC PRODUCT. The OECD provides information on government debt interest payments as a percentage of gross domestic product. The ratio rises when inflation and growth are low and real rates of interest are high and positi ve. OECD figures record cur- rently high ratios for Greece and Italy and a lower ratio for the UK.<br /><em>See also:</em> debt service indicators; maturity; overlapping generations model; Third World debt problem
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<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
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