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<strong>Coordinating Board for Higher Education (CBHE)</strong> – The governing body overseeing the Missouri Department of Higher Education. The CBHE is comprised of 9 board members and meets 5 times each year.

<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/.
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<strong>ACE</strong> – American Council on Education.

Food and Agriculture Organization (Ql)<br />Rome-based United Nations agency founded in 1945. It aims (1) to raise nutrition levels, (2) to improve the efficiency of the production and distribution of all agricultural products and (3) to improve the condition of rural populations. FAO provides an information service, technical assistance and the promotion of national and international action, including international COMMODITY AGREEMENTS.
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<strong>Recognized equivalent of a high school diploma</strong> – A recognized equivalent of a high school diploma may be a GED certificate, the academic transcript of a student who has successfully completed a 2-year program of study acceptable toward a bachelor' s degree, or has obtained other state certifications/requirements.

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<strong>Satisfactory Academic Progress (SAP)</strong> – To remain eligible for most types of financial aid, the student must maintain satisfactory academic progress as defined by the school.

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<strong>MOST</strong> – Missouri Saving for Tuition Program, Missouri' s 529 college savings plan, which is serviced by Upromise. See https://missourimost.s.upromise.com/ for more information.
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<strong>GEAR UP</strong> – Gaining Early Awareness and Readiness for Undergraduate Programs. The MDHE administered a GEAR UP program in Missouri until September 2007.
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<strong>Budget</strong> – Synonymous with Cost of Attendance (COA). In financial aid terms, a budget is an estimate of a student' s total education-related expenses for an enrollment period. The budget generally includes tuition, fees, room, board, books, supplies, and personal expenses. For the Charles Gallagher program, the standard budget for each institution consists of the institution' s prior year tuition and fees, room and board, and book costs reported through IPEDS, as well as standard budget figures determined by the MDHE using the Consumer Price Index (CPI). For the College Guarantee program, the budget is the lesser of the institution' s Gallagher budget or the average cost of attendance at the University of Missouri-Columbia.
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staple theory of growth (04)<br />An explanation of the growth of newly settled regions in terms of their interactions with the international economy, the purchaser of exported staple products. It is a version of export-led growth.<br /><em>Reference</em><br />Pomfret, R. (1981) 'The staple theory as an approach to Canadian and Australian economic development', Australian Economic History Review 21: 133-46.

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presumptive tax (H2)<br />A tax based on an estimate of a taxpayer's mcome.<br /><em>See also:</em> forfait system
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<strong>NOG</strong> – Notice of Loan Guarantee and Disclosure Statement, which is sent to lenders upon the guarantee of a loan by the MDHE. The lender then sends a copy of the NOG to the borrower.

<strong>AL</strong> – Alternative loan, the CommonLine loan type code used to identify any non federal student loan, also referred to as “private loan.”
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pure inflation (E3)<br />An extreme case of INFLATION such that the prices of all products and FACTORS oF PRODUCTION are increasing at the same rate.

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<strong>Excel</strong> – A Microsoft spreadsheet software package. Reports available within MODEL Direct may be exported in a Microsoft Excel format.

quasi-autonomous non-governmental organization (L3)<br />A UK non-elected agency set up by a government department to act as a task force or to undertake activities contracted out by government. These 'quangos' have been criticized for having their members appointed under ministerial patronage and usurping many of the functions of local government. By 2000 there were hundreds of these.
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information trap (D4)<br />An equilibrium state in which prices fail to reveal all the information in the market. Mistaken beliefs about the information possessed by other market participants produce this trap.

financial regime (G2)<br />The set of laws, government guidelines and policies which set the boundaries to the activities of financial institutions.

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bill (Gl, M2)<br />I A short-term monetary asset.<br /> 2 An invoice stating the amount owed for the supply of goods or services.<br /><em>See also:</em> bill of exchange; commercial bill; trade bill; treasury bill
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net investment (E2)<br />An addition to the stock of capital m a given time period. Net investment plus REPLACEMENT INVESTMENT constitute gross investment.<br /><em>See also:</em> accelerator principle

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<strong>Department of Higher Education (DHE)</strong> – The Missouri state agency overseeing the state' s higher education systems and related policies and administering student aid programs, including the FFEL Program and state aid programs such as the Bright Flight Scholarship. Also known as the MDHE. The agency' s website may be found at www.dhe.mo.gov.
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<strong>PSI</strong> – Postsecondary Institution.
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<strong>Add Loan</strong> – Application processing feature within MODEL Direct. The Add Loan process provides a realtime guarantee for loan applications.

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