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<strong>Loan sale</strong> – The change in ownership of a loan from one eligible FFEL Program lender to another lender or holder.

<strong>HACU</strong> – Hispanic Association of Colleges and Universities.
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<strong>SF</strong> – Within CommonLine file specifications, loan type code used to indicate a subsidized Federal Stafford Loan.
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<strong>SSN</strong> – Social Security Number.
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post-industrial society (PO)<br />An economically advanced society with a declining manufacturing activity and expanding service sector. This inter-sectoral switch has coincided with the shrinking of the size of the working class, the growth of education and the growth of new industries based on INFORMATION TECHNOWGY. With declining manufacturing activity, an economy becomes more decentralized as, increasingly, productive activities move from factories and offices back to the home, in some senses resembling the pattern of economic activity before the Industrial Revolution.<br /><em>See also:</em> de-industrialization; new economy <br /><em>Reference</em><br />Bell, D. (1973) The Coming of Post-Industrial Society, Cambridge, MA: Harvard University Press.<br /> Shelp, R.K. (1981) Beyond Industrialization, New York: Praeger.
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money market mutual fund (G2)<br />US UNIT TRUST consisting of money market secuntles. THRIFTS have provided this means of allowing small investors to participate in short-term money markets; corporations find the funds useful for liquid investments.
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<strong>MODEL Gateway</strong> – A web loan delivery product developed by ASA, the MDHE' s servicer, to allow schools to process loan applications and changes with guarantors other than the MDHE.
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social choice theory (D7)<br />An attempt to provide a normative rationale for social decisions in societies where individuals have different preferences about the options available. BERNOULLI was the first to discuss individual decision making systematically. This theory is based on utilitarian WELFARE ECONOMICS and assumes that full information is available to a decision-maker who is then in a position to maximize SOCIAL WELFARE. As there are so many methodological problems in aggregating individual preferences, social choice theory has made an extensive examination of VOTING PROCEDURES as a means of creating aggregated social preferences. This complex theory is criticized for its unrealistic assumption of full information and for the dictatorial method of decision making it proposes. A major application of it is the study of the appropriate extent of the public sector and the mechanism for controlling it.<br /> <br /><em>Reference</em><br />Arrow, K. (1966) Social Choice and Individual Values, 2nd edn, New York: Wiley. Arrow, K.J., Sen, A. and Suzumura, K. (eds.) (1997) Social choice theory reexamined, New York: St Martin's Press; London: Macmillan.<br /> Hoag, G.C. and Hallett, G. (1940) Proportional Representation: The Key to Democracy, New York: National Municipal League.<br /> Rothenberg, J. (1961) The Measurement of Social Welfare, Englewood Cliffs, NJ: Prentice Hall.<br /> social compact (J5) see social contract social conscience fund (G2)<br />A MUTUAL FUND whose portfolio excludes investments in morally dubious corporations and companies. Tobacco, alcohol, arms and South African investments in the days of apartheid have all been candidates for exclusion.
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àðòåìåíêî îðãàíè÷åñêàÿ õèìèÿ ñêà÷àòü , òàéíà èìåíè ëåðà , èñòîðèÿ çàâîäà èìåíè âîðîâñêîãî , çíà÷åíèå ôàìèëèè êîïûëîâ , èñòîðèÿ ôàìèëèè ëåíèâûõ , , ,

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public sector debt repayment (H6)<br />UK budget surplus; a negative PUBLIC sEc. TOR BORROWING REQUIREMENT. A term coined by Chancellor of the Exchequer Nigel Lawson in his UK budget speech in March 1988.

<strong>Estimated need cutoff</strong> – The estimated need amount that students must demonstrate to qualify for the Gallagher and College Guarantee programs. The MDHE estimates the need cutoff each spring; the actual need cutoff is determined immediately prior to setting spending authority in FAMOUS.

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<strong>LLR</strong> – Lender of Last Resort, a student loan lender that agrees to make Stafford Loans to qualified students, regardless of the type of school, school' s CDA, etc. The MDHE offers an LLR program for Missouri students.
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