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<strong>Treasury Offset</strong> – The withholding of a borrower' s federal Treasury payments, such as federal tax refunds, veteran' s benefits, and social security benefits, to repay a defaulted student loan.

Nash, john Forbes, 1928- (B3)<br />Born at Bluefield, West Virginia, he was educated at Carnegie and Princeton Uni- versttles. He taught in the 1950s at the Massachusetts Institute of Technology until mental illness caused his retiral; later he was a visiting scholar at the Institute for Advanced Study, Princeton University. An economist and mathematician who is famous for distinguishing co-operative from non-co-operative games and formulating the Nash equilibrium. In 1994 he shared the NOBEL PRIZE FOR ECONOMICS with HARSANYI and SELTEN for his contribution to games theory.<br /><em>Reference</em><br />Nasar, S. (1998) A Beautiful Mind, London: Faber and Faber.<br /> Nash, J.F. (1951) 'Non-cooperative games', Annals of Mathematics 54: 286-95.
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<strong>INS</strong> – The U.S. Immigration and Naturalization Service. On March 1, 2003, the INS transitioned into the Department of Home Security (DHS) and was renamed the U.S. Citizenship and Immigration Services (USCIS).
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<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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<strong>Three times rule</strong> – The federal requirement that no single installment of a graduated or income-sensitive repayment schedule may be more than three times greater than any other installment.

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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.

dual economy (PO)<br />A national economy consisting of a rich modem sector and a poor traditional sector. Originally this term was used to describe many colonial economies after the Second World War.<br /><em>Reference</em><br />Boeke, J.H. (1953) Economics and Economic Policy of Dual Societies, as Exemplified by Indonesia, New York: Institute of Pacific Relations.
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<strong>Repayment start date</strong> – the date the repayment period begins. For Stafford Loans, the repayment period begins on the day following the last day of the grace period. For PLUS Loans, repayment begins on the date the loan is fully disbursed. (PLUS Loans are, however, eligible for an in-school deferment when the borrower is enrolled at least half time.)
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hierarchical decomposition principle (L2)<br />An analysis of an organization into a vertical slice of operating activities and a horizontal slice of strategic planning corresponding to the lower and higher parts of the hierarchy.<br /><em>Reference</em><br />Simon, H.A. (1962) 'The architecture of complexity', Proceedings of the American Philosophical Society 106 (December): 467-82.<br /> - (1973) 'Applying information technology to organization design', Public Adminstration Review 33 (May-June): 268-78.
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Regulation K (E5, G2)<br />A regulation of the US FEDERAL RESERVE SYSTEM governing the international banking operations of US commercial banks. It is reviewed every five years to ensure that these banks remain internationally competitive.
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<strong>Application Send File</strong> – The CommonLine file type used to send application information to guarantors and/or other entities so that FFEL Program loans may be guaranteed and disbursed.
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<strong>Repayment start date</strong> – the date the repayment period begins. For Stafford Loans, the repayment period begins on the day following the last day of the grace period. For PLUS Loans, repayment begins on the date the loan is fully disbursed. (PLUS Loans are, however, eligible for an in-school deferment when the borrower is enrolled at least half time.)
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company union (J5)<br />A TRADE (LABOR) UNION dependent on the company which approves it. Only the employees of that company are permitted to be members. In the nineteenth and twentieth centuries, especially in the USA, organized labour objected to these ######## umons. ities which they perform relatively better. From its first enunciation in 1815 by TORRENS, this principle has stated that a country's pattern of production and international trade and specialization are determined by its relative efficiency in producing goods. This approach advances Smith's doctrine of ABSOLUTE ADVANTAGE, which was a simple extension of his DrvisION OF LABOUR principle. Torrens and RlCARDO argued that even if country A were more productive in every agricultural and industrial activity than country B, trade would still take place if internal production cost ratios were different from country to country. Although this advanced international trade theory, it was later criticized for assuming constant costs, ignoring transport costs and for not determining the ratio at which exchange would take place. John Stuart MILL, with his LAW OF RECIPROCAL DEMAND, completed the theory by establishing the actual exchange rate resulting from trade.<br /> Ricardo's example of trade in cloth and wine between England and Portugal states that to produce a given amount of each commodity the following amounts of labour are required in each country:<br /><em>See also:</em> enterprise union; sweetheart contract; truck England Portugal
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planning, programming, budgeting (H6, M2)<br />A budgetary system evaluating expenditure programmes in their entirety by taking into account the total effects of them, using COST BENEFIT ANALYSIS. This system, introduced into the US Department of Defense in the early 1960s, was extended to other US Departments in 1965.<br /><em>See also:</em> cost-effectiveness analysis <br /><em>Reference</em><br />Harberger, A.C. (1982) Project Evaluation: Collected Papers, London: Macmillan.
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<strong>Payment period</strong> – The basis on which a school must schedule and deliver disbursements for a particular loan period. A payment period is determined by the structure of the school' s academic program.

<strong>Mastercheck</strong> – A single paper check issued from a lender or disbursing agent that includes funds for multiple FFEL Program borrowers.

<strong>Title IV</strong> – The section of the Higher Education Act of 1965, as amended, that authorizes federal student loan, work, and grant programs.
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Eurofranc (G2)<br />A franc deposit in a non-French bank in Europe but outside France.
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<strong>FISAP</strong> – Fiscal Operations Report and Application to Participate in the federal campus-based aid programs. Information about the FISAP, instructions, and the actual form may be found at: http://www.cbfisap.ed.gov/CBSWebApp/welcome.jsp.
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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.

<strong>Forbearance</strong> – A period of time during which the borrower is permitted to temporarily cease making loan payments or to reduce the amount of the payments. The borrower is responsible for all interest that accrues during the forbearance period, for all loan types.
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341111 2009 年 01 月 08 日 12:56 Reading (loading. ..) Comments (4) Category: Personal Diary
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<strong>Regulation B</strong> – The section of the Equal Credit Opportunity Act (12 CFR 202) that prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, ######, marital status, or age.

downsizing (J6)<br />Reducing the size of a labour force by making workers redundant. A term particularly applied to the staff reductions made by securities houses after 1987.<br /><em>See also:</em> Big Bang

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