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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>Expected Family Contribution (EFC)</strong> – The amount the student or student' s family is expected to pay toward the student' s cost of attendance as a result of the Federal Need Analysis Methodology.

learning-by-doing (03)<br />The increase in PRODUCTIVITY resulting from repeated performance of a particular activity. SMITH recognized this in his discussion of the DIVISION OF LABOUR principle. Modem theorists of growth and international trade have considered this form of learning as an explanation of technical progress independent of the scale of production.<br /><em>Reference</em><br />Arrow, K.J. (1962) 'The economic implications of learning by doing', Review of Economic Studies 29: 155-73.
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<strong>DFee</strong> – Default Fee, a fee required by the Deficit Reduction Act of 2005. All Stafford and PLUS Loans guaranteed on or after July 1, 2006 must be assessed a one percent fee. The fee either must be deducted from the borrower' s loan proceeds at the time of disbursement or paid by a third party from other non-federal sources (such as a lender or servicer). This fee is also referred to as FDF.

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