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BBB (G2)<br />STANDARD & POOR credit rating of securities which states that they are of medium grade.<br /><em>See also:</em> AAA; BB; QD; DDD

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<strong>PT</strong> – Part time, a term used to describe students attending school with less than a full-time academic workload, as defined by the school.

<strong>Grace period</strong> – The period that begins the day after a Stafford Loan borrower ceases to be enrolled at least half time and ends the day before the repayment period begins. During the grace period, the borrower is not required to make payments on the principal of the loan.
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loan stock (G1)<br />A stock exchange security with a fixed rate of interest and, usually, prior entitlement to payment out of any available earnings.<br /><em>See also:</em> debenture
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<strong>Treasury bill (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.
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property tax capitalization (H2, R2)<br />An effect on house values of a property tax. Full capitalization occurs when differences in house prices are equal to the present value of variations in expected tax liabilities, after taking into account housing characteristics such as structure, neighbourhood and public services.<br /><em>Reference</em><br />Oates, WE. (1969) 'The effects of property taxes and local public spending on property values: an empirical study of tax capitalization and the Tiebout hypothesis', Journal of Political Economy 77: 457-71.

& Om Oe Employment measured in hours DD demand for labour SS supply of labour <br /><em>Reference</em><br />Starr, G. (1981) Minimum Wage Fixing: An International Review of Practices and Problems, Geneva: ILO.
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social cost of monopoly (D6)<br />The welfare losses resulting from the restriction of output and higher prices under monopolistic production. There is also the social cost that occurs through striving to attain a monopoly position.<br /><em>See also:</em> externality
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<strong>MPN</strong> – Master Promissory Note. A common form that allows a student or parent to borrow multiple loans for multiple academic years.
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<strong>Financial Assistance and Outreach Group</strong> – The division within the MDHE that administers Missouri' s state aid programs, such as the Charles Gallagher Student Financial Assistance Program.
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<strong>Repayment schedule</strong> – The legal addendum to the promissory note stating the terms of repayment and fulfilling disclosure requirements. The repayment schedule includes the total principal and interest due, the regular installment amount due, and the number of installments required to pay the loan in full. It also includes the interest rate, the due date for the first payment, and the frequency of installments.

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Arrow-Debreu model (D5)<br />An economic theory concerned with establishing the existence of an equilibrium for an integrated model of production, exchange and consumption. The two theorems produced by the authors were that (1) a competitive equilibrium exists if every individual has initially some positive quantity of every commodity available for sale and (2) there are individuals capable of supplying a positive amount of at least one type of labour with positive usefulness in the production of desired commodities.<br /><em>See also:</em> general equilibrium <br /><em>Reference</em><br />Arrow, K.J. and Debreu, G. (1954) 'The existence of an equilibrium for a competitive economy', Econometrica 22: 265-90.
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<strong>Federal Family Education Loan Program (FFELP)</strong> – Federal student loans that were authorized by Title IV, Part B, of the Higher Education Act of 1965, as amended. FFEL Program loans are funded by private lenders and are guaranteed by state agencies or other non-profit organizations. FFEL Program loans include Federal Stafford (subsidized and unsubsidized), Federal PLUS (for parents or for graduate/professional students), and Federal Consolidation Loans.

<strong>CAM</strong> – Common Account Maintenance, the FFEL Program industry' s electronic data standard used by lenders, servicers, and guarantors. Created by the National Council of Higher Education Loan Programs (NCHELP), CAM specifies the type of content, record format, and file structure for sharing data on borrowers and their loans.
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<strong>Package</strong> – Schools award, or “package,” student aid for each year for students. Once the aid is packaged, schools send award letters to students indicating the type(s) and amount(s) of financial aid awarded for year. (Under 34 CFR 668.16(h), the school is required to provide information about the sources and amounts of aid offered.)

viders of final salary pension schemes which insists on a stated proportion of the liabilities of the scheme being covered by assets.
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