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<strong>Missouri Higher Education Loan Authority (MOHELA)</strong> – Missouri' s designated FFEL Program secondary market. MOHELA, a non-profit quasi-governmental entity, originates, disburses, services, and purchases FFEL Program loans. MOHELA was created more than 20 years ago and is headquartered in Chesterfield, Missouri.
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<strong>ESC</strong> – Electronic Standards Committee, a committee sponsored by NCHELP through which CommonLine and other electronic file formats and methods are determined.
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increasing returns to scale (D2)<br />An increase in output at a faster rate than the increase in factor inputs. From SMITH onwards, theorists of ECONOMIC GROWTH have been interested in investigating the circumstances in which there can be increasing returns to particular industries or a national economy as a whole. CLASSICAL ECONOMISTS asserted that agriculture was subject to diminishing returns and increasing returns were only possible in manufacturing.<br /><em>See also:</em> Kaldor's laws; returns to scale; Verdoorn's law <br /><em>Reference</em><br />Young, A. (1928) 'Increasing returns and economic progress', Economic Journal 38: 527-42.

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