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<strong>DP Grant</strong> – Default Prevention Grant program, offered by the MDHE since 2001. Schools are periodically invited to submit proposals for grant funds to help reduce their default rates, reduce default claims paid for their borrowers, improve retention rates, implement financial literacy programs, or implement other default prevention activities.

original issue discount bond (G1)<br />A type of JUNK BOND issued at a large discount below its par value with couPoN rates below the market yields at the time of issue. After an initial period, the coupon rate is raised.

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<strong>OPE ID</strong> – An 8-digit identification number, including a 6-digit number followed by a 2-digit branch code, assigned by the U.S. Department of Education' s Office of Postsecondary Education (OPE) division after approving an institution to participate in the federal student aid programs. Schools that don' t administer Title IV aid but want their students to qualify for in– school deferments are also assigned an OPE ID number.
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active fiscal policy (H3, H5)<br />Frequently used discretionary fiscal policy. Using this, a government makes many changes in its spending and taxation, instead of relying on automatic stabilizers, to achieve a desired level of aggregate demand.

rate support grant (H7)<br />An expenditure subsidy previously paid by the UK government to local authorities which resulted in less having to be raised by rates (local property tax). This grant on average was equal to about one-half of total local government expenditure. Central government, in order to ensure that minimum standards of services, e.g. in education, are maintained, has to provide this subsidy. After the domestic rates were replaced by the COMMUNITY CHARGE, the rate support grant was replaced by a REVENUE SUPPORT GRANT.

primary mortgage market (G2)<br />The market for real estate and property loans. Banks, BUILDING SOCIETIES, THRIFTS and insurance companies offer these loans in return for a MORTGAGE.<br /><em>See also:</em> secondary mortgage market

<strong>Mapping Your Future (MYF) 10 Financial Fitness Tools</strong> – A guide to completing student loan exit counseling online through Mapping Your Future, This publication and all publications published by the MDHE can be requested on the Publications Order Form: http://www.dhe.mo.gov/publicationsorderform.shtml.

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market prices (E3)<br />A valuation of the NATIONAL INCOME that includes indirect taxes net of subsidies.<br /><em>See also:</em> factor cost; gross national product

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Rostow, Walt Whitman, 1916- (B3)<br />US economic historian and development economist, educated at Yale and Oxford, where he was a Rhodes Scholar. He has been professor of economic history at the Massachusetts Institute of Technology since 1951 apart from an interlude at the University of Texas in 1961-9. His celebrated non-Marxian account of the process of industrialization in The Stages of Economic Growth (1960) was further developed in several works, including The Economics of Take-off into Sustained Growth (1963), The World Economy: History and Prospect (1978) and Why the Poor Get Richer and the Rich Slow Down (1980). His NEOCLASSICAL approach to economic history was to inspire much of the later econometric analysis of long time series.<br /><em>See also:</em> industrial revolution; stages theory; take-off <br /><em>Reference</em><br />Rostow, W.W. (1971) The Stages of Economic Growth: A Neo-communist Manifesto, 2nd edn, Cambridge: Cambridge University Press.

<strong>CDA</strong> – Central Disbursing Agent, a lender, servicer, guarantor, or other entity that combines disbursement funds and data from multiple origination sources and issues a single EFT transfer and disbursement roster to the school.
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Saudi Arabian Monetary Agency (E5)<br /> An Arab banking organization founded in 1952 to perform the functions of a CENTRAL BANK but called an agency because of the association between 'a bank' and payments for interest which is condemned by Islamic law. SAMA is now responsible for the coinage and note issue of Saudi Arabia, the supervision of commercial banks and the fiscal operations of the government.<br /><em>See also:</em> Islamic banking; usury <br /><em>Reference</em><br />Abdeen, A.M. and Shook, D.W (1984) The Saudi Financial System in the Context of Western and Islamic Finance, Chichester: Wiley. Saudi Arabia in 1977 used this approach to change the ownership of foreign-owned commercial banks.<br /><em>See also:</em> multinational corporation; public enterprise

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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>Recognized equivalent of a high school diploma</strong> – A recognized equivalent of a high school diploma may be a GED certificate, the academic transcript of a student who has successfully completed a 2-year program of study acceptable toward a bachelor' s degree, or has obtained other state certifications/requirements.

Herfindahi-Hirschman index (Ll)<br />A measure of market coNCENTRATION. In an industry with i firms, the index is calculated as follows:

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Pozycjonowanie strony internetowej to zabieg majacy na celu wypromowanie witryny na jak najwyzsze miejsce w wynikach wyszukiwania. pozycjonowanie Oferujemy Panstwu skuteczne pozycjonowanie stron internetowych w wyszukiwarce Google.

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domestic resource cost (D2)<br />The OPPORTUNITY COST of using a FACTOR OF PRODUCTION to produce one unit of output, divided by the international value added by producing that unit. This is used as an alternative measure to the EFFECTrvE RATE OF PROTECTION. A firm making most of the sales of an industry and often a price leader. There are many firms of this type in oligopolistic industries.<br /><em>See also:</em> competitive fringe
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<strong>Satisfactory repayment arrangement</strong> – A specified number of consecutive, on-time, voluntary, reasonable and affordable full monthly payments made by a borrower to the holder of a loan in default. Satisfactory repayment arrangements may be established by a borrower to either regain Title IV eligibility, or rehabilitate a defaulted loan, or to consolidate a defaulted loan.
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moments (CI)<br />The sum of the deviations of the values of a variable from a point in a distribution divided by the number of values (first moment); for the second moment, the squares of the deviations have to be calculated; for the third moment, the cubes of the deviations, etc.
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Mundeii-Fieming model (E1)<br />An open economy model extending the IS-LM model on which an FF curve is imposed to show that the economy is in equilibrium when there are equilibria in its money and goods markets and its imports equal its exports. The TERMS oF TRADE affect the positions of both the IS and FF curves.<br /><em>See also:</em> IS-LM curves <br /><em>Reference</em><br />Mundell, R.A. (1968) International Economics, New York: Macmillan.
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<strong>Trailer</strong> – A term that comes at the end of the school' s SAY.
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<strong>CTSF</strong> – Change Transaction Send File, the CommonLine file type used to send change transactions to guarantors, lenders, and/or servicers so that FFEL Program loans may be updated. CTSFs are divided into pre-disbursement transactions (@1-09) and post-disbursement change transactions (@1-10).
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<strong>Federal Register</strong> – A federal government publication that lists regulations, regulatory amendments, notices, and proposed regulatory changes for all federal executive agencies.
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<strong>Scholarship</strong> – Financial assistance that is usually based on merit or ability and that does not have to be repaid.

<strong>School as Lender (SAL)</strong> – A school, other than a correspondence school, that has been approved to act as a lender under the FFEL Program for its graduate and professional students. (Note: to participate as an SAL, the school had to be participating as of April 1, 2006. No new schools are being approved to act as their own lender.)

Fisher equation of exchange (E5)<br />A famous statement of the QUANTITY THEORY oF MONEY as MV = PT. M is the stock of money, P the general price level, V the velocity of circulation and T the volume of transactions.

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