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speculation (G1)<br />Buying and selling in commodity or financial markets which are subject to many price fluctuations in order to make a capital gain. It has been described as 'arbitrage through time'. Although much condemned as an unreal activity for private gain, it does contribute to price stability.

<strong>Wire</strong> – A realtime method of transferring funds electronically.
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<strong>UNCF</strong> – United Negro College Fund. May be found on the world wide web at www.uncf.org.

<strong>VA</strong> – Veterans Administration, now the Department of Veterans Affairs (DVA).

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roundtripping (G1)<br />Purchasing and reselling the same lot of securities or commodities or money when market prices are rising. An example would be if ?X were borrowed for three months and interest rates rose before the end of that period; then the sum borrowed could be relent at a profit. This type of ARBITRAGE is made possible by market distortions.
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<strong>Master Promissory Note (MPN)</strong> – A common form that allows a student or parent to borrow multiple loans for multiple academic years and providing repayment obigations information (rights and responsibilities). A signed borrower MPN is required before student loan funds can be disbursed to the school.

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<strong>Institutional Student Information Record (ISIR)</strong> – The electronic output record provided to the school by the CPS that includes information provided by the student on the FAFSA. The ISIR contains the student' s EFC (Expected Family Contribution) and the results of federal database matches.
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<strong>Cost of Attendance (COA)</strong> – An estimate of a student' s total education-related expenses for an enrollment period.
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availability thesis (F1)<br />The proposition that a high proportion of international trade is an exchange between goods which are only available in one or a few COUntries. ELASTICITY OF SUPPLY in one country and inelasticity of supply in another give rise to trade. Some new products are only available in some countries, partly because of the nature of their patent protection.<br /> <br /><em>Reference</em><br />Kravis, I.B. (1956) 'Availability and other influences on the commodity composition of international trade', Journal of Political Economy 64: 143-55.

mixed credit (F3, GO)<br />A mixture of a loan supplied by a financial institution at a commercial rate of interest and a soFT LOAN. With a more generous form of credit, the volume of international trade and Third World development would have grown faster.

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domestic labour (J4)<br />1 Unpaid work within households often undertaken by women.<br /> 2 Hired servants engaged in cleaning, cooking and other household tasks.
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<strong>SU</strong> – Within CommonLine file specifications, loan type code used to indicate an unsubsidized Federal Stafford Loan.

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<strong>Electronic Standards Committee (ESC)</strong> – A committee sponsored by NCHELP through which CommonLine and other electronic file formats and methods are determined.

community charge (H2, H7)<br />A form of UK local taxation often called the 'poll tax' and levied on most adults over 18 years old. It was introduced in Scotland in 1989 and in England and Wales gradually from 1990. It replaced the existing RATES system and was combined with a UNIFORM BUSINESS RATE. A principal aim of this charge was to encourage the adult population to bring pressure upon their local governments to moderate their expenditure: by increasing the number paying local taxation it was hoped there would be more opposition to local government overspending. Critics opposed its high collection cost and regressive nature (only giving rebates to the very poor). Also it was argued that a community charge should only be used to finance PUBLIC GOODS. In 1991, it was decided to replace it with a modified property tax, the COUNCIL TAX.<br /><em>Reference</em><br />HMSO (1986) Paying for Local Government, Cmnd 9714.<br /> Mason, D. (1985) Revising the Rating System, London: Adam Smith Institute.
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<strong>FAT</strong> – Financial Aid Transcript, an official record of federal financial aid a student has received at schools the student previously attended.
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<strong>FT</strong> – Full Time, an enrollment status indicating the student is carrying a full academic workload as determined by the school.

<strong>Reauthorization</strong> – The legislative process, generally carried out every five years for the Higher Education Act, whereby Congress reviews and either renews, terminates, or amends existing programs.

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