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<strong>Recall (of a claim)</strong> – A lender request to a guarantor to return a default claim that has already been filed but has not yet been paid because the claim no longer qualifies for default.
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<strong>FSA Handbook</strong> – Federal Student Aid Handbook, a guide to administering the Title IV financial aid programs, published annually by the U.S. Department of Education.
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development policy (02) see aid; development

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banks. This UK technique of credit control was first used in 1958; in 1971 it was also applied to the larger finance houses.<br /><em>See also:</em> 'corset'

<strong>MYF</strong> - Mapping Your Future, 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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Stackelberg model (Ll)<br />A model of DUOPOLY devised by Heinrich von Stackelberg in his 1934 book Marktform unter Gleichgewicht. This describes the relationship between a leading firm and a follower in their output decisions. A follower chooses the profit-maximizing output. Each firm desires to act as a follower knowing the other will do so also.
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light industry (L6)<br />An industry using raw materials and components light in weight and noted for a great amount of vALUE ADDED, e.g. the computer assembly industry.<br /> See also: heavy industry; industry limited arbitrage (GO)<br />Market activity that is too weak to bring security prices back to their efficient levels
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<strong>NDSL</strong> – National Direct Student Loan, renamed the Federal Perkins Loan Program in 1992. (Note: this is NOT the same program as the William D. Ford Direct Loan Program, or FDLP.)

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<strong>NCLB</strong> – No Child Left Behind Act of 2001.
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depletable externality (DO)<br />An EXTERNALITY which by affecting one person affects others less, e.g. horse manure used in gardening.<br /><em>See also:</em> pollution control

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disconnective taxation (H2)<br />Taxation unconnected to any spending. The opposite of a BENEFIT TAX.

<strong>ACD</strong> – Anticipated Completion Date, the date a student expects to complete the program of study. May also be referred to as the Expected Graduation Date (EGD) or the Anticipated Graduation Date (AGD).

Third World (00)<br />Developing economies apart from oil producers, with low per capita incomes, large agricultural sectors and a shortage of most kinds of capitaL Some have defined the Third World as those countries in receipt of FOREIGN AID.<br /><em>See also:</em> First World; Second World <br /><em>Reference</em><br />Reitsma, H.A. and Kleinpenning, LM.G. (1985) The Third World in Perspective, Assen and Maastricht: Van Gorcgum.<br /> Reynolds, L.G. (1985) Economic Growth in the Third World, 1850-1980, New Haven, CT, and London: Yale University Press.<br /> Worsley, P. (1967) The Third World, 2nd edn, London: Weidenfeld & Nicolson.
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European Investment Bank (F3, G2) The major lending institution of the EUROPEAN COMMUNITY founded in 1958 to provide loans to assist 'the balanced and smooth development of the Common Market' with an initial capital of $1,000 million. It provides loans for three types of project: the modernization of less developed regions, the conversion of undertakings to new types of production and employment, and the financing of projects of interest to several member countries. In its first fifteen years, 60 per cent of its lending went to Italy, in particular to assist the development of the Italian south.

<strong>Monetary adjustments</strong> – Term used within MODEL Direct for change transactions impacting a disbursement such as increasing or decreasing the certified loan amount, reducing or canceling a disbursement, etc.

<strong>MOBIUS</strong> – Missouri Bibliographic Information User system, a consortium of academic libraries. May be found on the world wide web at http://mobius.missouri.edu/.
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<strong>Term-based school</strong> – A school that uses standard academic terms, such as quarters, trimesters, or semesters.
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and increasing competJtJon from other banks have forced them to diversify into new markets, including the international syndicated loan market.
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<strong>Need analysis</strong> – A standardized assessment of the ability of a student and family to contribute toward educational expenses. The need analysis formula currently used when students complete the FAFSA is referred to as Federal Methodology.

nominal gross domestic product (EO) GROSS DOMESTIC PRODUCT at current prices. This is regarded as a suitable reference target for regulating public expenditure. In the UK and the USA, GDP figures are published quarterly.
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Cambridge Economic Policy Group (B2, H3)<br />A group of Cambridge economists led by Wynne Godley who recommended an expansionary fiscal policy and import controls in order to alleviate UK unemployment after 1974. They opposed the use of DEMAND MANAGEMENT and INCOMES POLICIES as central instruments for determining the level of AGGREGATE DEMAND.<br /><em>See also:</em> New Cambridge economics
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Schwartz, Anna Jacobson, 1915- (B3) Leading US monetary historian and economist. Educated at Barnard College, New York, and Columbia University. Apart from some academic posts, she has been a research associate of the NATIONAL BUREAU oF ECONOMIC RESEARCH since 1941. Her collaboration with Milton FRIEDMAN in the analysis oflong time series to examine monetary changes and their effects is very well known.<br /><em>Reference</em><br />Schwartz, A. and Bordo, M.D. (1980) A Retrospective on the Classical Gold Standard, Chicago: University of Chicago Press.<br /> Schwartz, A. and Friedman, M. (1963) A Monetary History of the United States 1867-1960, Princeton, NJ: Princeton University Press.<br /> - (1970) Monetary Statistics of the United States, New York: Columbia University Press.

<strong>NCES</strong> – National Center for Education Statistics. The NCES is a division of the U.S. Department of Education and the Institute of Education Sciences and is the primary federal entity for collecting and analyzing data related to education. The NCES collects IPEDS data from schools.
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<strong>Electronic Funds Transfer (EFT)</strong> – The transfer of funds via an electronic method such as wire, which is realtime, or Automated Clearinghouse (ACH), an overnight process.
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