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<strong>Add Loan</strong> – Application processing feature within MODEL Direct. The Add Loan process provides a realtime guarantee for loan applications.
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output budgeting (H6, M2)<br />The division of an organization's budget into sub-budgets so that expenditures and output can be compared. Although this disaggregation is often arbitrary, it is a conscious attempt to improve the effectiveness of expenditure, particularly in the US public sector. Also known as the PLANN!NG, PROGRAMM!NG, BUDGET!NG system.
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reinsurance (G2)<br />Spreading an insurance risk by making a treaty with other insurance companies to accept part of the risk in return for a share of premium income - hence this has been described as 'insuring the insurer'. Large assets such as ships and aircraft could not be insured if reinsurance were not available.

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private cost of unemployment (J6)<br />Loss of employment income and unquantifiable personal stress.<br /><em>See also:</em> social cost of unemployment

<strong>CB</strong> – The abbreviation for Campus-Based aid. Campus-based aid programs include Federal Work Study (FWS), the Federal Perkins Loan Program, and the Federal Supplemental Educational Opportunity Grant (FSEOG). “CB” also indicates a type of Dear Colleague Letter specifically addressing campus-based aid programs.

<strong>Income-sensitive repayment schedule</strong> – A repayment schedule for some FFEL Program loans under which the borrower' s monthly payment amount is adjusted annually, based solely on the borrower' s expected total monthly gross income received.
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equilibrium (DO, EO)<br />A state of balance such that a set of selected interrelated variables has no inherent tendency to change. In economics, a major example is the balance of the forces equating demand and supply. sMITH in his discussion of prices used the idea of market prices fluctuating around the NATURAL PRICE which can be considered a central price. The SUBSISTENCE THEORY OF WAGES regarded expansions and contractions of a population as equilibrating forces making the subsistence wage rate the long-run equilibrium wage. An equilibrium can exist for an economy as a whole, for a sector of it, for a particular market or for an institution, such as a firm. Although the term is applied principally to static models, there can be an equilibrium in dynamic models when variables proceed along an equilibrium-type path. Equilibria can be stable or unstable, temporary or permanent: some of them do not exist. The Marshallian and Keynesian cross-diagrams are the most famous diagrammatical representations of equilibrium (E, equilibrium). National income<br /><em>See also:</em> general equilibrium; temporary equilibrium<br /><em>Reference</em><br /> Amendola, M. and Gaffard, J.-L. (1998) Out of equilibrium, Oxford and New York: Clarendon Press.<br /> Caravale, G. (ed.) (1997) Equilibrium and economic theory, London and New York: Routledge.<br /> Fisher, F.M. (1983) Disequilibrium Foundations of Equilibrium Economics, Cambridge: Cambridge University Press.<br /> Samuelson, P.A. (1965) Foundations of Economic Analysis, 2nd edn, New York: Athenaeum.

absolute tax incidence (H2)<br />The burden of a particular tax compared with a situation in which there are no taxes or governmental expenditures.<br /><em>See also:</em> tax incidence
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<strong>Loan period</strong> – The period of time for which the loan is certified. The loan period generally equals an academic year or term.

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<strong>CPS</strong> – Central Processing System, a company that is contracted by the U.S. Department of Education to process the Free Application for Federal Student Aid (FAFSA).

<strong>Notice of Loan Approval (NOLA)</strong> – A paper copy of the MDHE' s loan guarantee statement which schools may receive if profiled for this service.
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postmodern economics (A1)<br />An epistemological critique of modern economic theory that takes into account the community producing such knowledge. It attacks the use of a deterministic 'scientific' methodology economics and a GENERAL EQUILIBRIUM approach in favour of recognizing indeterminacy, uncertainty, the randomness and multiplicity of possible causes. In its analysis of LATE CAPITALISM it recognizes the fragmented nature of modem life and the many motivations inspiring economic conduct.<br /> <br /><em>Reference</em><br />Cullenberg, S., Amariglio, J. and Ruccio, D.F (2001) Postmodernism, Economics and Knowledge, London and New York: Routledge.

<strong>T-bill</strong> – A note or bill issued by the U.S. Treasury as legal tender for all debts. The T-bill is used to calculate variable interest rates for federal student loans made prior to July 1, 2006, and to determine special allowance rates.
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