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12FinancialAidDictionaryx1x0atanytimesincethestudentturnedage13bothparentsweredeceasedthestudentwasinfostercareorwasadependentorwardofthecourtx1x0isorwasanemancipatedminorasdeterminedbyacourtinthestudentx19sstateoflegalresidencex1x0isorwasinalegalguardianshipasdeterminedbyacourtinthestudentx19sstateoflegalresidencex1x0wasdeterminedtobeanunaccompaniedyouthwhowashomelessbythestudentx19shighschoolorschooldistricthomelessliaisonorbythedirectorofanemergencyshelterortransitionalhousingprogramfundedbytheU.S.DepartmentofHousingandUrbanDevelopmentx1x0wasdeterminedtobeanunaccompaniedyouthwhowashomelessorwasself-supportingandatriskofbeinghomelessbythedirectorofarunawayorhomelessyouthbasiccenterortransitionallivingprogramx1x0isastudentforwhomtheschoolx19sfinancialaidadministratordeter-minesanddocumentsthestudentx19sindependent-studentstatusbasedontheadministratorx19sprofessionaljudgmentofthestudentx19sunusualcircumstances.InterestAnamountcalculatedasapercentoftheprincipalloanamountthatischargedforborrowedmoney.SeeFixedInterestandVariableInterest.InterestCapitalizationAdditionofunpaidinteresttotheprincipalbalanceofaloanwhichincreasesthetotaloutstandingbalancedue.SeealsoCapitalization.Interest-OnlyPaymentApaymentthatcoversonlyaccruedinterestowedonaloanandnoneoftheprincipalbalance.Interest-onlypaymentsdonotprohibitborrowersfrommakingadditionalorlargerpaymentsatanytimeiftheborrowerdesires.LegalDependentofApplicantAbiologicaloradoptedchildorapersonforwhomtheapplicanthasbeenappointedlegalguardianandforwhomtheapplicantprovidesmorethanhalfsupport.Inadditionalegaldependentisapersonwholiveswithandreceivesatleasthalfsupportfromtheapplicantandwillcontinuetoreceivethatsupportduringtheawardyear.Forpurposesofdeterminingdepend-encystatusaspouseisnotconsideredalegaldependent.