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<strong>Direct lending, or direct loan</strong> – The William D. Ford Direct Loan Program, a federal student loan program through which the U.S. Department of Education loans money directly to students and parents rather than having the loans funded by private lenders, as in the case of the FFEL Program. Direct lending is codified in federal regulations within 34 CFR 685.
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<strong>College Access Initiative</strong> – Included in the Deficit Reduction Act of 2005, this initiative requires guarantors to undertake activities to promote access to postsecondary education. Information and tools may cover topics such as college planning, career preparation, and paying for college and may be made available via websites, publications, or other programs.
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product life cycle (D2)<br />The life cycle of a product from when it is an innovation, often protected by PATENTS and hence earning monopoly profits for its producer, through the stage when it is competing with substitutes to its final stage of maturity when its profitability is for the most part due to the ECONOMICS OF scALE arising from a large output. This has been used to explain trade patterns and the behaviour of MULTINATIONAL CORPORAT!ONS.<br /><em>Reference</em><br />Vernon, R. (1971) Sovereignty at Bay, ch.<br /> 2, Harmondsworth: Penguin.
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