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<strong>Anticipated Graduation Date (AGD)</strong> – The date a student expects to graduate. May also be referred to as the Expected Graduation Date (EGD) or the Anticipated Completion Date (ACD).
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<strong>MSLG</strong> – Missouri Student Loan Group, the division of the MDHE which administers the FFEL Program.
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<strong>OAKFAP</strong> – The Ozark area group of financial aid professionals, normally meeting in Springfield.

M3 (E4)<br />In the USA this is defined as M2 plus large denomination time deposits and term repurchase liabilities plus term Eurodollars held by US residents at foreign branches of US banks and the banks of the UK and Canada plus institution-only MONEY MARKET MUTUAL FUNDS.
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Abramovitz, Moses, 1912- (B3)<br />Educated at Harvard and Columbia Universities. He was on the staff of the National Bureau of Economic Research from 1938 to 1942 and Director of Business Cycles Study from 1946 to 1948; principal economist of the War Production Board in 1942 before serving in the US Army; and professor at Columbia University, 1940-2 and 1946-8, and of Stanford University, 1948-77. After early work on price theory, he turned to a study of inventories and business cycles. Later he examined determinants of long swings in growth, considering changes in the supply of factors of production and the influence of an initial level of productivity on subsequent economic progress. <br /><em>Reference</em><br />Abramovitz, M. (1950) Inventories and Business Cycles, New York: National Bureau of Economic Research.<br /> Abramovitz, M. (ed.) (1958) Capital Formation and Economic Growth, Princeton, NJ: Princeton University Press.
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goldilocks economy (NO, PO)<br />The US economy in the late 1990s when it enjoyed high growth without inflationary pressures. It was noted for its low rate of household saving and rising trade deficit.<br /><em>See also:</em> soft landing

RPI- Y (E3)<br />UK retail price index excluding the effects of indirect taxes on final consumption, mortgage interest payments and local authority taxation.

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<strong>Private loan</strong> – 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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<strong>HEA</strong> – the Higher Education Act of 1965, as amended, which created the federal student aid programs.

credit (G2)<br />1 A loan, or an agreement to lend money, to be repaid at a later date.<br /> 2 Bank lending (in macroeconomics) as credit is chiefly analysed within the context of the money supply.<br /> 3 All the sources of finance available to firms (including TRADE CREDIT) and to households. & In the past two decades there has been a great increase in the amount of credit given to households on the basis either of collateral (a house in the case of a building society mortgage) or of CREDIT sCORING for hire purchase expenditure on coNSUMER DURABLES. The creation of new credit instruments, e.g. the credit card, has resulted in an expansion in the total volume of credit.<br /> <br /><em>Reference</em><br />house repairs in their capital programme).<br /> <br /><em>Reference</em><br />Griffiths, L (1986) Creative Accounting: Beckman, TN.<br /> Credits and and Theory, McGraw-HilL and Foster, R.S. (1969)<br />Collections: Management 8th edn, New York: How to Make Your Profits What You Want Them to Be, London: Sedgeworth&Jackson.

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net present value (M2)<br />The discounted value of future mcome from a particular investment less the discounted value of expected costs. A positive net present value indicates that an investment project is worthwhile.<br /><em>See also:</em> marginal efficiency of capital

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lender of last resort (E5)<br />The chief function of a CENTRAL BANK - to guarantee the LIQUIDITY of a banking system by always being the ultimate source of credit. Thus in the UK, the BANK oF ENGLAND is always prepared to lend to the money market by discounting the bills held by the discount houses; in the USA, the twelve FEDERAL RESERVE BANKS Will discount the bills of member banks.
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<strong>Subsidized loan</strong> – A loan eligible for federal interest benefits. The federal government pays the interest that accrues on subsidized Federal Stafford Loans during the student' s in-school, grace, and authorized deferment periods.

renewable resource (Q2)<br />A NATURAL RESOURCE that, because of its biological nature, is self-renewing, e.g. game, fish, woodland. A greater yield can be obtained from it by growing it in an artificial environment as, for example, in a fish farm.<br /><em>See also:</em> non-renewable resource
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breakeven analysis (C1, D4)<br />A graphical representation of the relationship between total costs and total revenue with breakeven taking place where total cost is equal to total revenue (i.e. average cost is equal to average revenue).
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locked-in knowledge (03)<br />Technical knowledge specific to a particular production process and not transferable to other processes; also known as 'tacit' knowledge.<br /><em>See also:</em> footloose knowledge
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quadriad (H1)<br />The Treasury, the COUNCIL OF ECONOMIC ADVISERS, the OFFICE OF MANAGEMENT AND BUDGET and the FEDERAL RESERVE: the key formulators of the USA's economic policy.
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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.
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The issue of these extra shares will bring about a fall in the existing share price.<br /><em>See also:</em> bonus issue; scrip issue

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