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property rights (PO)<br />1 The exclusive rights to use, transform and transfer particular assets, goods and services.<br /> 2 A privilege, power or immunity.

<strong>Federal Need Analysis Methodology (FM)</strong> – The formula used to calculate the EFC (Expected Family Contribution), which is then used to determine a student' s eligibility for the federal financial aid, state aid, and/or institutional aid programs.

ratchet effect (E2)<br />An upward shift in aggregate demand. This higher level of consumption and investment is permanent, preventing an economy in recession from reverting to a level of output lower than at the beginning of the previous expansion. The RELATIVE INCOME HYPOTHESIS asserts that when incomes are failing, consumption will not fall by the same amount as it will be difficult for households to make a swift adjustment to a new standard of living.
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<strong>SAL</strong> – School as Lender. 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.)
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