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<strong>Quality Assurance (QA)</strong> – Any program in business designed to help an office or procedure obtain optimal results. In systems, QA is generally used to describe systems testing prior to releasing new or enhanced software.

<strong>Loan sale</strong> – The change in ownership of a loan from one eligible FFEL Program lender to another lender or holder.

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<strong>Online MDHE: A resource for financial aid officers</strong> – a guide for getting the most out of the MDHE' s Web tools and resources. This publication and all publications published by the MDHE can be requested on the Publications Order Form: http://www.dhe.mo.gov/publicationsorderform.shtml.

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private rate of discount (DO) see discount rate

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with separate accounts so that costs and revenues can be attributed to it and its contribution to the total profits of that organization calculated. In MULTINATIONAL coRPORATIONs, this form of decentralized accounting is essential to maintain efficiency.
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value of Y divided by the number of values.<br /><em>See also:</em> linear regression

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<strong>Cost of Attendance (COA)</strong> – An estimate of a student' s total education-related expenses for an enrollment period.
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<strong>Repayment schedule</strong> – The legal addendum to the promissory note stating the terms of repayment and fulfilling disclosure requirements. The repayment schedule includes the total principal and interest due, the regular installment amount due, and the number of installments required to pay the loan in full. It also includes the interest rate, the due date for the first payment, and the frequency of installments.

<strong>FAA</strong> – Financial Aid Administrator, a staff member at an eligible school who administers financial aid programs.

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<strong>Out of school date (OSD)</strong> – The date the student ceases to be enrolled at least half time. An OSD may also be referred to as the last date of attendance (LDA) or, if the student completed the program of study, the actual graduation date.
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<strong>FM</strong> – Federal Need Analysis Methodology, the formula used to calculate the EFC, which is then used to determine a student' s eligibility for the federal financial aid, state aid, and/or institutional aid programs.

comparative advantage (F1)<br />The principle justifying individuals or nations specializing in those economic activ- Thus, England can produce cloth relatively more cheaply than wine and Portugal can produce wine more cheaply than cloth. The countries will both gain by increased specialization in the production of the good for which they have a comparative advantage, even though Portugal has an absolute advantage in the production of both commodities.<br /><em>See also:</em> Heckscher - Ohlin trade theorem; Leontief paradox; Rybczynski theorem; terms of trade

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Sherman Act 1890 (L4)<br />The founding statute of the US federal ANTITRUST legislation. This Act prohibits 'all contracts, combinations and conspiracies in restraint of trade' (section 1) and monopolization in interstate and foreign trade (section 2). The Act was followed by further federal legislation and similar statutes for individual states.<br /><em>See also:</em> antitrust; Celler-Kefauver Antimerger Act; Clayton Act; Federal Trade Commission Act; Robinson-Patman Act <br /><em>Reference</em><br />Bork, R.H. (1978) The Antitrust Paradox, New York: Basic Books.

<strong>XML</strong> – EXtensible Markup Language. Common Record: CommonLine (CR:C) files are XML files.

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<strong>Administrative forbearance</strong> – A temporary suspension, reduction, or time extension for making principal and/or interest payments on a FFEL Program loan. During any period of forbearance, interest continues to accrue on the loan.

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<strong>Delinquency</strong> – A period that begins on the day after the due date of a loan payment when the borrower fails to make the equivalent of at least one full payment.
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shift share analysis (R1)<br />A technique in regional analysis for analysing the effects on a region's growth of its share of national industrial activity, usually measured by employment, being structurally different from that of the country as a whole. Thus, for example, if region X were growing faster than the country of which it was part, this analysis would indicate how much of that regional growth could be attributed to it having a higher proportion of rapidly growing industries than the country as a whole. The shift can be split into a proportional shift, reflecting differences in the mix of industrial sectors at national and regional levels, and a differential shift caused by different employment growth rates in a region and the nation of which it is part.
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<strong>Participation agreement</strong> – Agreement with the MDHE that permits a school to participate in the state student assistance programs.
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<strong>SMART Grant</strong> – Science and Mathematics Access to Retain Talent, a new federal grant available as of July 1, 2006. Eligibility for this grant is based on science and math curriculum and academic performance as well as financial need. May also be referred to as the National SMART Grant Program.
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<strong>COOL</strong> – College Opportunities OnLine, a college locator tool offered online by the U.S. Department of Education' s National Center for Education Statistics. The site is located at the following url: http://www.nces.ed.gov/ipeds/cool/.

renter illusion (H2)<br />A form of FISCAL ILLUSION which assumes that only property owners will correctly perceive the property taxes levied by local governments with the consequence that renters of property will not correctly match the valuation of publicly provided local services with the tax passed on in rents. Because of this illusion voters who rent property will be willing to approve of higher local public expenditure.<br /><em>See also:</em> debt illusion
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free-trade area (F1)<br />A group of independent nations with free trade among them, but not necessarily with a joint trading policy for the rest of the world.<br /><em>See also:</em> European Free Trade Association
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state monopoly capitalism (P2)<br />A type of economic system, particularly the SOVIET-TYPE ECONOMY, in which the state owns all the means of production (except for a few minor services and agricultural enterprises) and exploits scale economies by running each branch of production as a state-owned monopoly. MARX regarded such a stage of economic development as the prelude to full communism when the state itself would wither away.<br /><em>See also:</em> monopoly capitalism <br /><em>Reference</em><br />Cowling, K. (1982) Monopoly Capitalism, London: Macmillan.<br /> Fine, B. and Martin, A. (1984) Macroeco- nomics and Monopoly Capitalism, Brighton: Wheatsheaf.
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<strong>SAT</strong> – Scholastic Aptitude Test, administered by the College Board.
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