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05 Net Assets adjusted for family aid applicant families aid funds American College Testing annuity assessing assets combined assets per capita average capita net asset capita will exhibit College computed concentration ratio consumption expenditures convert net worth current income adjusted current net worth Decile discount rate distri distribution of economic distribution of income dollar economic well-being measure educational level equal sacrifice exhibit more inequality expected future income families of financial families with main Federal lncome Tax financial aid applicants income and current income flow income per capita Lorenz distribution M. R. Novick main wage earner measure of economic measured by income measuring economic well-being microfiche microfilm need analysis models parents perceived distribution Percent of Economic Percent of Families Percent of Students postsecondary education present value approach proposition ranking and distribution ratio relative economic well-being Sample Norm utility function valid and reliable value of expected Weisbrod and Hansen