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bulldog issue (G1)<br />A long-term sterling bond issue, mostly purchased by UK INSTITUTIONAL INVESTORS.
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incomes policy (E6)<br />A macroeconomic policy directly controlling factor incomes. Many Western countries since 1945 have used it as an alternative to FISCAL and MONETARY POLICIES with the hope that, by controlling wage fixing in the labour market, the rate of increase of product prices would be reduced. The most extreme form is a wages freeze, e.g. the UK's in 1966. Milder forms include setting a norm for wage increases in line with the rise in PRODUCTIVITY, allowing for exceptional increases (e.g. to help low-paid workers, to alleviate a labour shortage or to preserve comparable pay for different occupational groups), or an
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<strong>Consummated loan</strong> – A loan for which disbursement funds have been delivered to the borrower. For example, a loan is considered consummated when the borrower cashes a paper check from the lender or when the school applies the proceeds of an ACH transfer to the student' s account.

is increasingly challenged in the case of flights between the countries of the EUROPEAN COMMUNITY.
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currency risk (F3)<br />The possibility of suffering a financial loss through holding a currency which falls in value. Supporters of the EURO argue that one of the principal arguments for monetary union is the reduction in this type of risk.

<strong>Recertification</strong> – A process occurring every three years through which institutional eligibility for participation in the MDHE' s state student financial assistance programs is reviewed. Institutions must complete a recertification application to maintain eligibility.

short selling (G1)<br />Selling a SECUR riY not owned by the seller who subsequently buys sufficient volume of that security to effect delivery. Such behaviour, the activity of a bear, is popular when markets are falling in price.<br /> See also: share borrowing

indirect cost recovery (D4, M2)<br />Pricing a service or activity so that ovERHEAD cosTs are covered.
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<strong>HTML</strong> – HyperText Markup Language, the authoring language used in the creation of websites and documents for the World Wide Web. Reports available within MODEL Direct may be exported in an HTML format, allowing the information to be viewable on the screen or printed from the web browser.
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<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.

<strong>FYE</strong> – First year experience, a term used related to students' first year in attendance at a postsecondary institution.
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<strong>FAO</strong> – Financial Aid Officer, a staff member at an eligible school who administers financial aid programs.

<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.

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base capital (G2)<br />The capital of a securities house required to protect it against a fall in its profitability.

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<strong>NCLB</strong> – No Child Left Behind Act of 2001.
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<strong>DAA</strong> – Default Aversion Assistance, assistance provided to a lender by the guarantor in order to prevent a delinquent loan from defaulting. A lender must submit a DAA request (DAAR) to the MDHE when a borrower is more than 60 days delinquent on a student loan.
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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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