Forward handing or fumble?

[Theisey]

The definition of a fumble in both codes is about as close to exact as one can get.
However, under the Handing definition, the NCAA code specifically says (2-12-1-c) Loss of player possession by unsuccessful execution of attempted handing is a fumble.

That rule part does not exist in the NFHS rules making one wonder then if this is a muff or fumble.
The football rules differences manual does not list a difference here and play example 4-4 in George Demetrious Officials guide to NFHS football says this is simply a fumble and not an illegal forward handing. Their detailed descriptions of handing, fumbles and muffing convince me that this is a no foul situation.