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<strong>Electronic signature (e-sign)</strong> – Information in electronic format that is attached to or logically associated with an electronic record and used by a person with the intent to sign the electronic record. Students, parents, and borrowers may electronically sign the FAFSA, a FFEL Program loan application, or other student aid document.
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free rider (D1, J5)<br />An individual who does not pay for the goods or services he or she consumes. Free riders include non-residents using the public services of a city and non-unionized workers who gain wage increases achieved under COLLECTIVE BARGAINING, without paying dues to a union to represent them. In the case of public goods the free-rider problem has resulted in the finance of such goods by general taxation; under trade unionism, the existence of free riders has led to demands for a UNION or cwsED SHOP.
<strong>Mapping Your Future (MYF)</strong> – An organization sponsored by FFEL Program participants, such as the MDHE, to offer online student loan counseling, financial literacy and debt management tools, outreach and early awareness activities, and other services. May be found on the world wide web at
www.mapping-your-future.org.
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