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refunding (E5, H6)<br />Issuing new government secuntles to replace bonds or other securities which have matured.<br /><em>See also:</em> overfunding

<strong>Lender</strong> – A lender in the FFEL Program may be a national or state chartered bank, a mutual savings bank, a credit union, an insurance company, or other entity that provides the actual student loan funds to schools and borrowers.

<strong>SAY</strong> – Scheduled Academic Year. The fixed period, as published in a school' s printed materials, that generally begins and ends at the same time each year. The SAY is the period to which the statutory definition of an academic year must be applied and must meet the statutory requirements of an academic year as defined by the U.S. Department of Education.

<strong>CTSF</strong> – Change Transaction Send File, the CommonLine file type used to send change transactions to guarantors, lenders, and/or servicers so that FFEL Program loans may be updated. CTSFs are divided into pre-disbursement transactions (@1-09) and post-disbursement change transactions (@1-10).
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beggar-my-neighbour policy (F1)<br />A PROTECTIONIST foreign trade policy which attempts to improve the domestic economy at the expense of foreign countries. This policy was at the heart of much of
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<strong>Comaker</strong> – One of two married individuals who jointly consolidated their federal students loans before July 1, 2006. This term also applies to two parents who were joint borrowers of a PLUS Loan made prior to April 16, 1999.

<strong>Participation agreement</strong> – Agreement with the MDHE that permits a school to participate in the state student assistance programs.
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networking economy (PO)<br />An ECON OMY consisting of many small specialist firms, or NETWORKERS, linked together by an information system, a POSTINDUSTRIAL SOCIETY.
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replacement labour force (J2)<br />The use of migrant labour to fill job vacancies created by the movement of indigenous workers from areas of decline to the more prosperous regions of a country. In the UK, for example, immigrant labour in the 1950s took up employment in declining areas, especially northern England and the West Midlands, where inferior jobs existed as a consequence of the shift of UK workers to the south east of England.

<strong>Capitalized interest</strong> – Accrued interest that is periodically added to a loan' s principal balance. Interest accrues on a subsidized Stafford Loan after the grace period is completed and the borrower enters repayment. For unsubsidized Stafford, parent PLUS, and Grad PLUS Loans, on the other hand, interest begins to accrue after the first disbursement of the loan. Lenders may capitalize any accrued interest on a quarterly basis or at other scheduled time frames.

<strong>SAR</strong> – Student Aid Report, the paper output record provided to the student after completing the FAFSA. The SAR contains the student' s EFC and results of federal database matches. The electronic version of the record, which is sent to the school, is called the ISIR.

<strong>Suspension</strong> – Suspension of the eligibility of a school, lender, or servicer to participate in a guarantor' s programs for a specified period of time until specified requirements are met.
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