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<strong>Overaward</strong> – Any amount of a student' s total financial assistance package (excluding Pell Grants) that exceeds the student' s financial need. May also be referred to as an overpayment.

<strong>DL</strong> – 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>CL4</strong> – CommonLine Release 4, the most widely used CommonLine file format within the FFEL Program. The CommonLine Release 5 (CL5) formats, although in existence for many years, were never widely adopted and implemented by FAMS vendors or FFEL Program participants.

production asymmetry (P4)<br />A characteristic of a DUAL ECONOMY resulting from the traditional agricultural sector using a different combination of factors of production from the modern industrialized sector.
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<strong>AWG</strong> – Administrative Wage Garnishment; federal student loan holders may withhold a portion of a borrower' s wages after a loan is in default.

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<strong>Overaward</strong> – Any amount of a student' s total financial assistance package (excluding Pell Grants) that exceeds the student' s financial need. May also be referred to as an overpayment.
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market anti-inflation plan (E3)<br />A proposal to keep the general price level stable but individual prices flexible by a system created by legislation which would issue sales rights to firms. These rights would equal current net sales at pre-existing prices, corrected for changes in a firm's capital and labour inputs and the average growth in national productivity. Relative prices could change by a firm buying sales rights unused by other firms. See also: incomes policy; Lerner; prices policy<br /><em>Reference</em><br />Lerner, A.P and Colander, D.C. (1980) MAP: A Market Anti-inflation Plan, New York: Harcourt Brace Jovanovich.
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limited general competitive bidding (D4)<br />A form of competition limited to those who have stated qualifications.
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<strong>Reissue</strong> – A post-disbursement change transaction for changing the disbursement date from a past date to a future date. Within CommonLine, this transaction is located in the @1-10 record.
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<strong>Academic Competitiveness Grant (ACG)</strong> – A new federal grant available as of July 1, 2006. Eligibility for this grant is based on high school academic performance as well as financial need. More information is available at: http://studentaid.ed.gov/PORTALSWebA...sp?tab=funding.

financial centre (G2)<br />A cluster of different financial institutions at one geographical location. The growth of population and business encouraged banking, insurance and other types of financing. The large amounts of capital required to conduct these institutions have inevitably led to mergers within the financial sector of the same or related types of institution, as well as the disproportionate growth of cities such as New York, London and Tokyo as financial centres.

indicator variable (E6)<br />An economic statistic which describes the current state of an economy and guides a policy-maker in his or her actions, particularly whether to deflate or reflate the economy.<br /><em>See also:</em> coincident indicators; economic indicators

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<strong>Federal Reserve</strong> – The Federal Reserve Act established 12 banks for holding government reserve funds. The banking industry uses the Federal Reserve system for transferring funds electronically via an overnight process. (See also ACH.)

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altruism (DO, L3, PO)<br />Seeking the good of others. This alternative to SELF-INTEREST can be a major motive for economic activity. Many schemes of idealistic socialism rest on this principle. Adam SMITH used the concept of the INVISIBLE HAND to show that unconscious altruism can occur in an economy based on the principle of self-interest.<br /><em>See also:</em> non-profit enterprise; utopia <br /><em>Reference</em><br />Collard, D.A. (1978) Altruism and Economy, Oxford: Martin Robertson; New York: Oxford University Press.
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<strong>NOLA</strong> – Notice of Loan Approval, a paper copy of the MDHE' s loan guarantee statement which schools may receive if profiled for this service.
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<strong>IFAP</strong> – Information for Financial Aid Professionals, an electronic library (www.ifap.ed.gov) provided by the U.S. Department of Education which includes publications and regulations for the federal student aid programs.
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<strong>Capitalized interest</strong> – Accrued interest that is periodically added to a loan' s principal balance. Interest accrues on a subsidized Stafford Loan after the grace period is completed and the borrower enters repayment. For unsubsidized Stafford, parent PLUS, and Grad PLUS Loans, on the other hand, interest begins to accrue after the first disbursement of the loan. Lenders may capitalize any accrued interest on a quarterly basis or at other scheduled time frames.
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