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superseg_train_6400 | user: I have questions about financial aid and student loans.[NEWLINE]agent: I will be happy to assist you with this.[NEWLINE]agent: Will you be taking out a student loan?[NEWLINE]user: I haven't decided yet.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: What are some types of financial aid?[NEWLINE]agent: There are several types of financial aid, including grants, scholarships, work-study, and loans.[NEWLINE][BOUNDARY][NEWLINE]user: Okay, I believe I've grasped the definition. Let's say I've made up my mind and decided to attend an international school. What are you able to do for me?[NEWLINE]agent: Well, we can lend you a hand finding out which international schools get a part in federal student aid programs and then, guide you through the corresponding process of getting that federal aid.[NEWLINE][BOUNDARY][NEWLINE]user: That sounds very good, thanks. Say, if i'm able to get that aid, what amount are we talking about?[NEWLINE]agent: That would depend on the type of aid, but for both Direct Subsidized or Unsubsidized Loans, The amount you could receive goes from $5,500 to $20,500 range.[NEWLINE]agent: In fact, Are you aware that amount could be affected by many factors? |
superseg_train_6401 | user: I'm a high school senior who will be attending college in the fall. I need some information about student loans.[NEWLINE]agent: I can help you with that.[NEWLINE]agent: Will you be taking out a student loan?[NEWLINE]user: I'm not sure yet. I need more information first.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: What are some different types of federal grants?[NEWLINE]agent: There are several federal grants that may be available to you, including Pell Grants, FSEOG, TEACH Grants, and Iraq and Afghanistan Service Grants.[NEWLINE][BOUNDARY][NEWLINE]user: I like it. Returning to my original question. Should I contact my college or the Federal Student Aid Feedback Center if I believe I am not receiving the correct amount of federal aid?[NEWLINE]agent: You should try to resolve the problem with your college first.[NEWLINE][BOUNDARY][NEWLINE]user: Who can access the military aid for college school?[NEWLINE]agent: This aid is intended for veterans, future military personnel, active-duty personnel, or anybody related to veterans or active-duty personnel.[NEWLINE][BOUNDARY][NEWLINE]user: Now, about the grant funds. What if I'm not eligible for the Federal Pell Grants? |
superseg_train_6402 | user: II'm going to be co-signing a federal aid loan for my wife and I need some more information about how it works.[NEWLINE]agent: I can help you with that. A co-signer is the spouse of an applicant who initiated an Income-Driven Repayment Plan Request.[NEWLINE]agent: Are you aware of your obligations to repay as the co-signer?[NEWLINE]user: No. I'm not sure how it works.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE]user: Does it matter that the Income-Driven Repayment Plan Request was done as part of a Direct Consolidation Loan Application?[NEWLINE]agent: No. Your wife will just have to click on "Direct Consolidations Loan Applications" under "My Loan Documents" to find the co-sign code, you will need.[NEWLINE][BOUNDARY][NEWLINE]user: What information is provided by exit counseling?[NEWLINE]agent: Exit counseling gives important information that helps you prepare to repay your federal student loan.[NEWLINE]user: How do I complete exit counseling online?[NEWLINE]agent: You would look under Complete Exit Counseling and then log in to start.[NEWLINE]user: What if I leave school do I need exit counseling? |
superseg_train_6403 | user: Can you explain what a co-signer is?[NEWLINE]agent: Yes, with the income-driven repayment plan the co-signer is the spouse of the applicant.[NEWLINE]agent: Do you know that the co-signer is not obligated to repay the loan by signing a borrowers IDR application?[NEWLINE]user: Yes, I understand that I am not obligated to pay back the loan as a co-signer on the borrower's IDR application.[NEWLINE]user: What about the reference number/co-sign code?[NEWLINE]agent: The IDR applicant should have given you the reference number/co-sign code.[NEWLINE][BOUNDARY][NEWLINE]user: Are you familiar with Counseling Type? And what about financial awareness counseling?[NEWLINE]agent: Financial Awareness Counseling provides tools and information to help you understand your financial aid and help you manage your finances.[NEWLINE][BOUNDARY][NEWLINE]user: I see. What if PLUS credit counseling is completed voluntarily?[NEWLINE]agent: If PLUS Credit Counseling is completed voluntarily and you are determined to have an adverse credit history by the U.S. Department of Education within 30 days of PLUS Credit Counseling completion, your PLUS Credit Counseling requirement will be considered to be fulfilled.[NEWLINE][BOUNDARY][NEWLINE]user: Well, what can you tell me about exit counseling? |
superseg_train_6404 | user: Can you explain what a co-signer is for an Income-Driven Repayment Plan application?[NEWLINE]agent: A co-signer for an Income-Driver Repayment plan request is the spouse of the applicant.[NEWLINE]agent: Did they explain to you that you are not obligated as a spouse to repay the loan by co-signing?[NEWLINE]user: Yes, that was explained to me.[NEWLINE]user: What if the applicant completed an IDR plan request that was not part of a Direct Consolidation Loan Application?[NEWLINE]agent: He or she will click on "Income-Driven Repayment Plan Requests" under "My Loan Documents" to find and provide you with the required Reference Number.[NEWLINE][BOUNDARY][NEWLINE]user: Another question, if I have received a PLUS loan, should I do exit counseling every time I fall below half-time enrollment, graduate, or drop out of school?[NEWLINE]agent: If you have received a subsidized, unsubsidized or PLUS loan under the Direct Loan Program or the FFEL Program, you must complete exit counseling each time you drop below half-time enrollment, graduate, or leave school.[NEWLINE][BOUNDARY][NEWLINE]user: how much time does this take up?[NEWLINE]agent: You must complete the process in a single session that lasts around 20-30 minutes.[NEWLINE][BOUNDARY][NEWLINE]user: what will I need to bring with me? |
superseg_train_6405 | user: who is the co-signer on a repayment plan?[NEWLINE]agent: The co-signer is the spouse of an applicant who initiated an Income-Driven Repayment Plan Request.[NEWLINE]agent: Did you want to know about your obligation to repay the loan?[NEWLINE]user: yes[NEWLINE]user: where do we sign in?[NEWLINE]agent: Co-sign Income - Driven Repayment IDR Plan Request[NEWLINE][BOUNDARY][NEWLINE]user: About PLUS Credit Counseling, can you please tell me what it is?[NEWLINE]agent: This is important if you have been informed by the US Department of Education that you have an adverse credit history.[NEWLINE][BOUNDARY][NEWLINE]user: Is admission advice recommended before asking for help?[NEWLINE]agent: Exactly, it is important for your first subsidized direct loan, or unsubsidized direct loan as a college student.[NEWLINE][BOUNDARY][NEWLINE]user: When can you ask for advice? |
superseg_train_6406 | user: hello i would like to get information about What is a co-debtor?[NEWLINE]agent: A co-signer is the spouse of an applicant who initiated an Income-Based Payment Plan Application.[NEWLINE]agent: are you a co-signer?[NEWLINE]user: no[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE]user: and who should give me the joint signature code?[NEWLINE]agent: The IDR applicant should have provided you with a joint signature code / reference number.[NEWLINE]user: Do you still have knowledge of the Direct PLUS Loan? Is it true that making a request for this type of loan is all there is to it?[NEWLINE]agent: Before you can receive the loan you need to complete a direct plus loan master promissory note, which will explain everything of the terms and conditions of this program.[NEWLINE]user: What happens if I have have a security freeze?[NEWLINE]agent: In that case, you'll need to remove the freeze at each credit bureau before you can continue.[NEWLINE]user: I see this is on the application you mentioned before? |
superseg_train_6407 | user: I'm looking for information as to what constitutes a co-signer in relation to a spouse's income-driven repayment plan application form within the FSA, can you help me with this?[NEWLINE]agent: A co-signer is defined as being the spouse of an applicant who initiated an Income-Driven Repayment Plan Request[NEWLINE]agent: Have you a concern or worry about being a co-signer on an application?[NEWLINE]user: Yes, I'm concerned that I may be obligated to repay the loan by signing this application[NEWLINE]user: What can I do if I do not have a Reference Number /Co-sign Code for the particular application?[NEWLINE]agent: You should contact the IDR applicant, who should have received an email containing the Reference Number/Co-sign Code. The IDR applicant can also access this information by logging into StudentAid.gov and clicking on the relevant link[NEWLINE][BOUNDARY][NEWLINE]user: What exactly do I need to complete my role as a co-signer within the FSA?[NEWLINE]agent: Initially, you will need to be logged in with your own personal FSA ID in order to co-sign the applicant's IDR request[NEWLINE][BOUNDARY][NEWLINE]user: Regarding the appeal of a demonstration of credit decision, do I have to present the information I have even if it may be the cause of the bad credit?[NEWLINE]agent: Yes, you need to provide, the information you have.[NEWLINE][BOUNDARY][NEWLINE]user: This proof how needs to be made? |
superseg_train_6408 | user: I want to get a better understanding on co-signing for an IDR[NEWLINE]agent: A co-signer is the spouse of an applicant who initiated an Income-Driven Repayment Plan Request[NEWLINE]agent: Are you a co-signer on an IDR plan?[NEWLINE]user: no, but I might be[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE]user: what will I need if I'm ready to co-sign?[NEWLINE]agent: If the IDR applicant completed an Income-Driven Repayment Plan Request that was not part of a Direct Consolidation Loan Application, he or she will click on "Income-Driven Repayment Plan Requests" under "My Loan Documents" to locate and provide you with the Reference Number you need.[NEWLINE][BOUNDARY][NEWLINE]user: One more question, what if I'm completing entrance counseling to borrow a loan as an undergraduate student?[NEWLINE]agent: Then the entrance counseling will fulfill counseling requirements for Direct Subsidized Loans and Direct Unsubsidized Loans.[NEWLINE][BOUNDARY][NEWLINE]user: Makes sense. And how long is this supposed to take?[NEWLINE]agent: The entire counseling process must be completed in a single session. Most people complete counseling in 20 - 30 minutes.[NEWLINE][BOUNDARY][NEWLINE]user: I see, where can I find more information about that? |
superseg_train_6409 | user: What exactly is a co-signer or an income-driven repayment plan application?[NEWLINE]agent: A co-signer happens to be a spouse of an applicant who asks for the income-driven repayment plan request.[NEWLINE]agent: Do you know you are not responsible to repay the loan by sigining a borrowers IDR application as a co-signer.[NEWLINE]user: Yes, I have read that I am not responsible to pay back the loan as a co-signer on my spouses IDR.[NEWLINE]user: What if I do not have a reference number to co-sign?[NEWLINE]agent: Ask your spouse because they were sent an email containing the reference number or they can access the reference number by logging into StudentAid.gov.[NEWLINE][BOUNDARY][NEWLINE]user: I'm still hoping to learn more about the TEACH Grant. Could you explain what a TEACH Grant is?[NEWLINE]agent: It's a program that provides funds to students who are completing or who plan to complete coursework that is required to begin a career in teaching, and agree to teach full time for at least four years at an elementary school, secondary school or educational service agency that serves students from low-income families and to meet other requirements[NEWLINE][BOUNDARY][NEWLINE]user: Who should complete this program?[NEWLINE]agent: Students who are receiving a TEACH Grant and who have completed TEACH Initial and Subsequent Counseling for the same Award Year[NEWLINE][BOUNDARY][NEWLINE]user: ow long will it take the ATS process? |
superseg_train_6410 | user: Yes I'd like information. What types of aid is available at the federal level?[NEWLINE]agent: We have that information.[NEWLINE][BOUNDARY][NEWLINE]agent: Would you like to learn more about grants?[NEWLINE]user: Sure, that's a good place to start.[NEWLINE]agent: Grants are a type of financial aid that is typically based on need and usually doesn't have to be repaid.[NEWLINE][BOUNDARY][NEWLINE]user: another question for you regarding grants. How do i register if i forgot about it?[NEWLINE]agent: You can call Selective Service toll-free at 1-888-655-1825 for general information about registering, or register online at sss.gov or while completing the FAFSA form.[NEWLINE][BOUNDARY][NEWLINE]user: Could you please assist me on where can I see the details on what kind of financial aid I would be qualified for?[NEWLINE]agent: You can estimate what aid you may be eligible for when you check out our FAFSA4caster tool.[NEWLINE][BOUNDARY][NEWLINE]user: Okay, that's fine. Now, let's talk about federal student aid. Is this something I have to do every year, not just the first year when I apply?[NEWLINE]agent: Yes, you have to meet basic eligibility criteria throughout the time you are receiving aid[NEWLINE][BOUNDARY][NEWLINE]user: Now about the situations that could affect my eligibility for aid, what if I am a student whose father died as a supervisor in Iraq or Afghanistan?[NEWLINE]agent: The specific situation of having a parent killed in Iraq or Afghanistan could affect your eligibility for aid.[NEWLINE][BOUNDARY][NEWLINE]user: Can I find details about the specifics of Federal Student Aid here?[NEWLINE]agent: With our service here you can explore how financial aid works, learn about the types of aid, and find out if you're eligible or not.[NEWLINE][BOUNDARY][NEWLINE]user: And is it possible to know more or less how much I can get? |
superseg_train_6411 | user: Could you let me know what type of Federal Student Aid is available?[NEWLINE]agent: Yes click on point [9] to learn more.[NEWLINE][BOUNDARY][NEWLINE]agent: Would you like to know about available grants?[NEWLINE]user: Yes sure.[NEWLINE]agent: A student grant is different from a loan as it's typically based on need and doesn't have to be repaid.[NEWLINE][BOUNDARY][NEWLINE]user: That's helpful to hear. One more thing about the grant. How can I tell if I have to pay back a grant?[NEWLINE]agent: Your school is responsible for notifying you, if you need to repay part your grant. You will then have 45 days to repay the grant or enter into a repayment arrangement.[NEWLINE][BOUNDARY][NEWLINE]user: ok now about help. Does it matter if I'm not from the United States?[NEWLINE]agent: We have information about how being a Non-U.S. citizen might impact your eligibilty.[NEWLINE][BOUNDARY][NEWLINE]user: I also hope to find out about Basic Eligibility Criteria, do I need to register with selective service?[NEWLINE]agent: Yes, you need to be registered with Selective Service[NEWLINE][BOUNDARY][NEWLINE]user: You've got it. I'd like to ask you another question. Can you tell me how much you think I'll get?[NEWLINE]agent: Yes we have a tool which helps you Estimate Your Aid.[NEWLINE][BOUNDARY][NEWLINE]user: Will I be allowed to work when I'm studying as well?[NEWLINE]agent: Yes there are Work-Study Jobs that provide a way to earn money to help you pay for school.[NEWLINE][BOUNDARY][NEWLINE]user: Is there interest on Federal Student Aid loans? |
superseg_train_6412 | user: How can you help me understand financial aid?[NEWLINE]agent: Are you preparing for college or career school?[NEWLINE]user: No, not quite yet.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE]user: Is there a way to estimate my AID?[NEWLINE]agent: Yes, there are ways to estimate your AID.[NEWLINE][BOUNDARY][NEWLINE]user: Can I ask something else? Regarding how will I be paid? What do work study programs help with?[NEWLINE]agent: You use the money to pay for your education-related charges such as tuition, fees, and room and board.[NEWLINE][BOUNDARY][NEWLINE]user: Do you know the school loans that I can receive? what could you tell me about them?[NEWLINE]agent: A loan is money you would borrow to pay for college and you must repay the loan and interest that accrues.[NEWLINE][BOUNDARY][NEWLINE]user: I have a question about federal student loans for college, how much money can I borrow on these loans?[NEWLINE]agent: It depends on whether you are an undergraduate student, a graduate or professional student, or a parent.[NEWLINE][BOUNDARY][NEWLINE]user: Can you help me on what resources can I use to find out more information on how financial aid works?[NEWLINE]agent: You can explore how financial aid works, learn about the types of aid, and find out if you are eligible and estimate what aid you might get at FAFSA4caster.[NEWLINE][BOUNDARY][NEWLINE]user: What is a grant? |
superseg_train_6413 | user: You may help me with financial aid for school[NEWLINE]agent: Are you preparing for college or career school?[NEWLINE]user: no, but I will be soon[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE]user: what can you tell me about aid?[NEWLINE]agent: We can help you explore how financial aid works, learn about the types of aid, and find out if you’re eligible. You can also estimate what aid you may be eligible for when you check out FAFSA4caster.[NEWLINE][BOUNDARY][NEWLINE]user: I see. Let me ask another question. to learn about the types of help. What is my work-study award based on?[NEWLINE]agent: It is based on when you apply and your level of financial need.[NEWLINE][BOUNDARY][NEWLINE]user: Something else I want to ask about the Federal Student Aid, are there different kinds of help?[NEWLINE]agent: Yes, financial aid to pay for college is available from a variety of sources. Student aid includes grants, scholarships, work-study jobs, and loans.[NEWLINE][BOUNDARY][NEWLINE]user: I'd like to confirm whether the school is the one who provides our student loans?[NEWLINE]agent: Student loans can come from the federal government, from private sources such as a bank or financial institution, or from other organizations.[NEWLINE][BOUNDARY][NEWLINE]user: one can ask where these loans come from or is it confidential?. What are the grants?[NEWLINE]agent: Grants are financial aid that is typically based on need and doesn't typically have to be repaid[NEWLINE][BOUNDARY][NEWLINE]user: and work study jobs? |
superseg_train_6414 | user: hello could you help me understand financial aid[NEWLINE]agent: Are you currently preparing for college or vocational school?[NEWLINE]user: no[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE]user: And where can you see if I am eligible for the aid?[NEWLINE]agent: You can estimate what help you may be eligible for when you review FAFSA4caster.[NEWLINE][BOUNDARY][NEWLINE]user: I'd also like to learn more about the jobs available on or off campus. What if I go to a for-profit school, such as a private one?[NEWLINE]agent: In that case there may be further restrictions on the types of jobs you can be assigned.[NEWLINE][BOUNDARY][NEWLINE]user: I want to know more about the financial aid. What should I do now, according to your advice?[NEWLINE]agent: it is important that you estimate your help[NEWLINE][BOUNDARY][NEWLINE]user: Okay, that's it. Now, what about federal student aid? Is it necessary?[NEWLINE]agent: yes You must make satisfactory academic progress to continue receiving federal student aid.[NEWLINE][BOUNDARY][NEWLINE]user: Is it possible that circumstances will affect your eligibility for assistance?[NEWLINE]agent: Military family members can enter situations that could affect your eligibility for help[NEWLINE][BOUNDARY][NEWLINE]user: and what are the subsidies for? |
superseg_train_6415 | user: Hello, I would like to know who can receive financial aid[NEWLINE]agent: of course we are here to give you More information[NEWLINE][BOUNDARY][NEWLINE]agent: Do you want to know what situations could affect your eligibility for help?[NEWLINE]user: no[NEWLINE][BOUNDARY][NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: How can I estimate the aid I can access?[NEWLINE]agent: Use FAFSA4caster to get an early estimate of your eligibility for federal student aid.[NEWLINE]user: I also want to about the repayment. And would you recommend that I pay the student loans?[NEWLINE]agent: As you prepare to graduate, prepare to pay off your student loans. Good news! Federal student loan borrowers have a six-month grace period before payments begin.[NEWLINE][BOUNDARY][NEWLINE]user: and how to determine if I am eligible for help?[NEWLINE]agent: Your college uses your FAFSA data to determine your eligibility for federal aid.[NEWLINE][BOUNDARY][NEWLINE]user: and how do i keep that help? |
superseg_train_6416 | user: I need student aid help[NEWLINE]agent: Are you preparing for college?[NEWLINE]user: not really, I'm prepared but still have a few questions[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE]user: can you help me with financial aid?[NEWLINE]agent: Yes,we can help you see how financial aid works, learn about the types of aid, and find out if you’re eligible. You can also estimate what aid you may be eligible for by using FAFSA4caster.[NEWLINE][BOUNDARY][NEWLINE]user: If I have any more questions you can't answer who do I talk to?[NEWLINE]agent: You should ask your financial aid office those questions.[NEWLINE][BOUNDARY][NEWLINE]user: Good to know. Do you know the types of help? What can you tell me about grants?[NEWLINE]agent: Grants are financial aid that's typically based on need and doesn't typically have to be repaid[NEWLINE]user: Will someone who has previously attended school can benefit from the ability to benefit alternatives?[NEWLINE]agent: It can help you if you were enrolled in college or career school prior to July 1, 2012[NEWLINE][BOUNDARY][NEWLINE]user: do you know about federal student aid programs? how can i get help?[NEWLINE]agent: All applicants must meet basic eligibility requirements for federal student aid.[NEWLINE][BOUNDARY][NEWLINE]user: do you have more information on how a military service situation could affect whether or not I get financial aid? |
superseg_train_6417 | user: I am having a few problems understanding the financial aid that is available through the FSA, could you help me with it please?[NEWLINE]agent: Are you currently preparing for college or a career school?[NEWLINE]user: Yes, I am[NEWLINE]agent: We have a dedicated piece on our website that informs you how financial aid works, gives you insights into what types of financial aid are available and also helps you to calculate what amount of financial aid you may be eligible for[NEWLINE][BOUNDARY][NEWLINE]user: What are the different types of aid that are available through the FSA?[NEWLINE]agent: Grants are aids that are available, based on need. These typically don't have to be repaid[NEWLINE][BOUNDARY][NEWLINE]user: I'm just curious what languages does Aidan speak?[NEWLINE]agent: English is currently the only language Aidan can speak.[NEWLINE][BOUNDARY][NEWLINE]user: Will my information be shared with third parties?[NEWLINE]agent: No. The Federal Student Aid will never share your information with third parties.[NEWLINE][BOUNDARY][NEWLINE]user: How advanced is Aidan? |
superseg_train_6418 | user: I would like information on qualifying for financial aid.[NEWLINE]agent: Are you students planning on attending a college or career school?[NEWLINE]user: Not really, I'm not sure yet.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: If I do eventually get a loan, what happens if I can't pay it back immediately?[NEWLINE]agent: In that situation you would have to contact your loan servicer to discuss repayment options.[NEWLINE][BOUNDARY][NEWLINE]user: How can I get a jump on the application process?[NEWLINE]agent: You can ask your current school counselors and the college financial aid office about state, college, and nonprofit grants and scholarships that you can apply for.[NEWLINE][BOUNDARY][NEWLINE]user: I was accepted at 3 colleges, which do I consult?[NEWLINE]agent: It would be wise to compare their costs and aid offers. Accept the aid from the school that's best for you and inform them of other sources of aid such as scholarships you expect to receive.[NEWLINE]user: What is an aid offer? |
superseg_train_6419 | user: Can you tell me how Financial Aid for students works?[NEWLINE]agent: Are you planning to attend college or career school?[NEWLINE]user: Yes, I am.[NEWLINE]agent: Then you should know that you can get essential help through our financial aid and we can teach you how it works.[NEWLINE][BOUNDARY][NEWLINE]user: What if I'm accepted to multiple colleges?[NEWLINE]agent: Then evaluate and compare the costs and aid offers and accept the aid from the school that you choose. Also, don't forget to inform them of other sources of aid, such as scholarships, you expect to receive.[NEWLINE][BOUNDARY][NEWLINE]user: Yes, of course. Now I have to inquire about the financial aid process. What do I do in order to prepare for college?[NEWLINE]agent: Explore how financial aid works, learn about types of aid, and find out if you are eligible. You can also estimate what aid you may be eligible for when you review FAFSA4caster.[NEWLINE][BOUNDARY][NEWLINE]user: and what is the scholarship based on?[NEWLINE]agent: that is based on academic or other achievement, or financial need, to help pay for school[NEWLINE][BOUNDARY][NEWLINE]user: What things can affect my eligibility? |
superseg_train_6420 | user: I'm looking for Financial Aid help[NEWLINE]agent: Are you planning to attend college or career school?[NEWLINE]user: not at the moment but I want to learn about these things for when I'm ready[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: can you tell me about the FAFSA application?[NEWLINE]agent: You can apply for federal grants, work-study, and loans with the Free Application for Federal Student Aid form by filling it out before each year of college. Your school will use your FAFSA data to determine your federal aid eligibility[NEWLINE]agent: Did you want more information?[NEWLINE]user: yes, what happens after I send it in?[NEWLINE]agent: After you submit it you will receive your Student Aid Report[NEWLINE][BOUNDARY][NEWLINE]user: I have one more scholarship-related question. What is the basis for the scholarship?[NEWLINE]agent: that is based on academic or other achievement, or financial need, to help pay for school[NEWLINE][BOUNDARY][NEWLINE]user: What things can affect my eligibility? |
superseg_train_6421 | user: I need help understanding how financial aid works.[NEWLINE]agent: Are you planning to attend college or a career school?[NEWLINE]user: No, my son is.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: Who can assist me with planning for my son's college expenses?[NEWLINE]agent: Your son's school counselors will be able to help you with this. Additionally, the college financial aid office can help your son find state, college, and non-profit grants and scholarships to apply for.[NEWLINE][BOUNDARY][NEWLINE]user: That's great. What if my son gets accepted to more than one college?[NEWLINE]agent: If your son is accepted by multiple colleges, it's very important to compare the costs and aid offers of each, so that he can accept aid from the school that is best for him.[NEWLINE][BOUNDARY][NEWLINE]user: How will my son receive the aid?[NEWLINE]agent: His financial aid office will apply the aid to the amount he owes. The remaining balance can then be used for other college costs.[NEWLINE][BOUNDARY][NEWLINE]user: What is an aid offer? |
superseg_train_6422 | user: hello could you help me understand how financial aid works[NEWLINE]agent: are you planning to attend college or vocational school?[NEWLINE]user: yes[NEWLINE]agent: in that case financial aid is essential. We'll explain how financial aid works, resources to pay for college, and loan repayment options.[NEWLINE][BOUNDARY][NEWLINE]user: And how can I do if I have been accepted in several universities?[NEWLINE]agent: In that case you should compare costs and offers of help. Accept help from the school that is best for you and inform them of other sources of help, such as the scholarships you hope to receive.[NEWLINE][BOUNDARY][NEWLINE]user: Also, for financial aid, what should I do while preparing for college?[NEWLINE]agent: Explore how financial aid works, learn about types of aid, and find out if you are eligible. You can also estimate what aid you may be eligible for when you review FAFSA4caster.[NEWLINE][BOUNDARY][NEWLINE]user: and what is the scholarship based on?[NEWLINE]agent: that is based on academic or other achievement, or financial need, to help pay for school[NEWLINE][BOUNDARY][NEWLINE]user: What things can affect my eligibility? |
superseg_train_6423 | user: Hello, I would like to obtain from How Financial Aid Works[NEWLINE]agent: do you plan to attend college or vocational school?[NEWLINE]user: yes[NEWLINE]agent: financial aid is essential. We'll explain how financial aid works, resources to pay for college, and loan repayment options.[NEWLINE][BOUNDARY][NEWLINE]user: I would also like to know what happens after the presentation?[NEWLINE]agent: After the presentation, you will receive your Student Aid Report.[NEWLINE][BOUNDARY][NEWLINE]user: Ok, and about financial aid, how can I better understand it as I prepare for college?[NEWLINE]agent: Explore how financial aid works, learn about types of aid, and find out if you are eligible. You can also estimate what aid you may be eligible for when you review FAFSA4caster.[NEWLINE][BOUNDARY][NEWLINE]user: and what is the scholarship based on?[NEWLINE]agent: that is based on academic or other achievement, or financial need, to help pay for school[NEWLINE][BOUNDARY][NEWLINE]user: What things can affect my eligibility? |
superseg_train_6424 | user: Hello, I would like information on how financial aid works[NEWLINE]agent: are you planning to attend college or vocational school?[NEWLINE]user: yes[NEWLINE]agent: financial aid is essential. We'll explain how financial aid works, resources to pay for college, and loan repayment options.[NEWLINE]user: Regarding the Master Note (MPN), is it eligible only for graduate students? Or can postgraduate students and professionals also access it?[NEWLINE]agent: Graduate students and Professional students, are totally eligible.[NEWLINE][BOUNDARY][NEWLINE]user: And that goes for the different types of loans, like Subsidized and Unsubsidized?[NEWLINE]agent: That's right. It applies for both types of loans.[NEWLINE][BOUNDARY][NEWLINE]user: And of course, i guess it applies for those Direct Plus Loans you mentioned earlier.[NEWLINE]agent: Totally right. It is also valid in that type of loan.[NEWLINE][BOUNDARY][NEWLINE]agent: Do you want to know who has to go through the procedures to get a MPN?[NEWLINE]user: No, it's not necessary. I guess it is for Graduate and Professional students, right?[NEWLINE][BOUNDARY][NEWLINE]agent: That's right. Would you like to know how much time you would invest in a MPN session?[NEWLINE]user: No, i don't think i need to know that right now.[NEWLINE][BOUNDARY][NEWLINE]agent: Would you like to know what do you need to obtain that MPN, then? |
superseg_train_6425 | user: I have questions about how financial aid works.[NEWLINE]agent: Are you planning to attend college or a career school?[NEWLINE]user: No, my daughter will be.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: What is an aid offer?[NEWLINE]agent: Your aid offer will explain the types and amounts of student aid a college is offering your daughter. It also covers the expected costs for the year.[NEWLINE]agent: Has your daughter been accepted to more than one college?[NEWLINE]user: No, but that could change.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: How can I plan early for my daughter's college expenses?[NEWLINE]agent: To start planning, you should ask your daughter's school counselors and the college financial aid office about different state, college, and non-profit grants and scholarships that she can apply for.[NEWLINE][BOUNDARY][NEWLINE]user: When should my daughter fill out her FAFSA form? |
superseg_train_6426 | user: Financial aid[NEWLINE]agent: Are you planning to attend college or career school?[NEWLINE]user: not until a few years but I want to be prepared[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: how soon would I have to start paying back a school loan?[NEWLINE]agent: For a federal student loan you would have a 6 month grace period before you begin making payments after graduation.[NEWLINE]user: who would I talk to about repaying the loan if I get into money problems?[NEWLINE]agent: You would need to contact your loan servicer to discuss repayment options[NEWLINE][BOUNDARY][NEWLINE]user: when getting a school loan would I have to ask for a specific amount?[NEWLINE]agent: If you fill out the FAFSA form you will receive an aid offer that explains the types and amounts of aid a college is offering you, and your expected costs for the year.[NEWLINE]user: will I get offered the same amount no matter where I go? |
superseg_train_6427 | user: I would like to know what criteria are used to calculate how much aid a student will receive.[NEWLINE]agent: The colleges or career schools you list on your Free Application for Federal Student Aid form will use several pieces of information to calculate your aid.[NEWLINE][BOUNDARY][NEWLINE]user: What is need-based aid?[NEWLINE]agent: The following formula is used:Cost of Attendance COA Expected Family Contribution EFC = Financial Need[NEWLINE][BOUNDARY][NEWLINE]user: Can you give me an example?[NEWLINE]agent: For example, if your Cost of Attendance is $ 16,000 and you have been awarded a total of $ 4,000 in need-based aid and private scholarships, you can get up to $ 12,000 in non-need-based aid.[NEWLINE][BOUNDARY][NEWLINE]user: now on how to submit the offer of student aid? could it be by mail?[NEWLINE]agent: follow the steps and send the information by mail[NEWLINE][BOUNDARY][NEWLINE]user: Report the types of loans they offer?[NEWLINE]agent: At school they must manage that information[NEWLINE][BOUNDARY][NEWLINE]user: Que oficinas puedo recurrir para buscar la informacion? |
superseg_train_6428 | user: I wanted to know how you decide how much financial aid I get[NEWLINE]agent: The colleges or career schools you list on your Free Application for Federal Student Aid form will use several pieces of information to calculate your aid[NEWLINE][BOUNDARY][NEWLINE]user: like what is a simple way you could explain it to me?[NEWLINE]agent: Need-based aid is calculated by taking the Cost of Attendance COA and the Expected Family Contribution EFC and finding your Financial Need[NEWLINE][BOUNDARY][NEWLINE]user: and what can you tell me about non-need based aid?[NEWLINE]agent: Your school will determine that by using another formula.[NEWLINE]agent: Would you like an example?[NEWLINE]user: no, I want to ask something else[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: do they use something else besides the formulas to see if I need aid?[NEWLINE]agent: Your college or career school first determines whether you have financial need by using that simple formula[NEWLINE][BOUNDARY][NEWLINE]user: In addition, I need to learn more about Choosing Which Student Loans to Accept. What if I don't approve the whole loan sum that I'm qualifying for? |
superseg_train_6429 | user: Hi, thanks for helping me out. You know, I've been having some doubts about aid, Do you happen to know my student aid is calculated?[NEWLINE]agent: Well, that is something that depends on several factors and pieces of information, that will be used for that purpose.[NEWLINE][BOUNDARY][NEWLINE]user: Well, o.k, i guess. Not saying too much, really. Anyway, I heard about some non-need aid, can you talk me about it?[NEWLINE]agent: Sure, It's a kind of aid that doesn't go over your overall needs, so the amount can be calculated based on your school instead.[NEWLINE]agent: Do you know if your Cost of Attendance is near $16,000, plus $4,000 of need-based aid and private scholarship?[NEWLINE]user: I wish, but no, nothing like that.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: So, you can't tell me nothing about that calculation formula for my need -based aid?[NEWLINE]agent: As for non-need based aid, they use various factors to calculate that.[NEWLINE]agent: Your Coa is $16,000?[NEWLINE]user: No, not at all.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: OK thank you. I would also like to find out several factors to calculate. What kinds of jobs are there?[NEWLINE]agent: The Federal Work-Study Program emphasizes employment in civic education and work related to your course of study whenever possible.[NEWLINE][BOUNDARY][NEWLINE]user: I have a question to complete the financial aid process, what should I do after submitting the FAFSA form for free application for federal student aid? |
superseg_train_6430 | user: I'd like information about how my student aid is figured out?[NEWLINE]agent: Well, the colleges or career schools you list on your Free Application for Federal Student Aid FAFSA form will use several pieces of information to calculate your aid.[NEWLINE][BOUNDARY][NEWLINE]user: I'm unclear on what non-need-based aid is, could you explain it?[NEWLINE]agent: Non - need - based aid is financial aid that is not based on your EFC. Your school determines how much non-need-based aid you can get by using the following formula:Cost of Attendance COA Financial Aid Awarded So Far * = Eligibility for Non-need-based Aid.[NEWLINE]agent: Would you like an example?[NEWLINE]user: No I think I get it.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: Are there any need-based Federal Aid programs?[NEWLINE]agent: Yes there are:Federal Perkins LoanFederal Pell GrantFederal Supplemental Educational Opportunity Grant FSEOGDirect Subsidized LoanFederal Work-Study[NEWLINE][BOUNDARY][NEWLINE]user: Just one more thing. What is the process by which your school distributes financial aid funds to you for course materials? What happens if the ISBN isn't available?[NEWLINE]agent: The school would probably provide the author, title, publisher, and copyright date.[NEWLINE]user: What if the school offers a voucher to the bookstore? |
superseg_train_6431 | user: How do you come up with the amount of financial aid I will get?[NEWLINE]agent: The schools you list on your Free Application for Federal Student Aid form will use several pieces of information to calculate your aid.[NEWLINE][BOUNDARY][NEWLINE]user: is it the same for determining how much non-need financial aid we will receive?[NEWLINE]agent: The school will use a formula to determine how much non-need based aid you can get.[NEWLINE]agent: Would you like an example on how the aid is determined?[NEWLINE]user: yes[NEWLINE]agent: Okay, lets say your COA is $16,000 and you’ve been awarded a total of $4,000 in need-based aid and private scholarships, you can get up to $12,000 in non-need-based aid.[NEWLINE][BOUNDARY][NEWLINE]user: Who runs the work-study service?[NEWLINE]agent: It is administered by schools participating in the Federal Work-Study Program. You can contact your school's financial aid office to find out if your school participates.[NEWLINE][BOUNDARY][NEWLINE]user: perfect I communicate but what is the phone number to call them, how does need-based help work if my cost is the same as your example?[NEWLINE]agent: If your COA is $16,000 and your EFC is 12000, your financial need is $4,000, so you aren’t eligible for more than $4,000 in need-based aid.[NEWLINE][BOUNDARY][NEWLINE]user: Another federal student aid question, what does net costs for schooling imply? |
superseg_train_6432 | user: Hello, I would like to know how the amount of my federal student aid is determined?[NEWLINE]agent: The colleges or professional schools you list on your Free Application for Federal Student Aid FAFSA will use various data to calculate your aid.[NEWLINE][BOUNDARY][NEWLINE]user: What is need-based aid and how does my school calculate how much I will receive?[NEWLINE]agent: Your college or career school first determine if you have a financial need using this simple formula:[NEWLINE]agent: your COA is $ 16,000 and your EFC is 12,000?[NEWLINE]user: no[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: Could you tell me what is the expected family contribution (EFC)?[NEWLINE]agent: Your EFC is an index number that college financial aid staff use to determine how much financial aid you would receive if you went to school. The information you report on your FAFSA is used to calculate your EFC.[NEWLINE][BOUNDARY][NEWLINE]user: What do you recommend to learn more about this?[NEWLINE]agent: If you want a long answer, read on! This way you will understand all your concerns[NEWLINE][BOUNDARY][NEWLINE]user: Okay, now related to getting financial aid funds for course materials from the school, what if my course uses paid online content? |
superseg_train_6433 | user: How is calculation done when determining how much I am due to receive in federal student aid?[NEWLINE]agent: The schools that you list on your FAFSA form use several pieces of information to calculate how much you will receive in aid[NEWLINE][BOUNDARY][NEWLINE]user: What is the easiest way of explaining what the basic eligibility criteria for federal student aid is, and who decides how much I receive?[NEWLINE]agent: I can answer that for you in a very short manner, if that 's ok with you[NEWLINE][BOUNDARY][NEWLINE]user: Can I accept a lesser loan amount if I find that my living expenses are not going to be as high as my school estimated?[NEWLINE]agent: You are entitled to turn down any loan that is provided or even to request a lower amount of borrowing. Your school will be able to help you with this query, should it arise[NEWLINE][BOUNDARY][NEWLINE]user: Do schools have specific financial plans in place for students that re attending the school?[NEWLINE]agent: Yes, a lot of schools have tuition payment plans, these are monthly interest-free payments towards tuition. These plans can help in reducing the amount of borrowing you need. The financial aid office in your school will have more details[NEWLINE][BOUNDARY][NEWLINE]user: How do I let my school know what type of financial aid I will be accepting? |
superseg_train_6434 | user: hi, a question how do you determine the amount of federal student aid?[NEWLINE]agent: The colleges or professional schools you list on your Free Application for Federal Student Aid FAFSA will use various data to calculate your aid.[NEWLINE][BOUNDARY][NEWLINE]user: What if I attend at least half time?[NEWLINE]agent: your COA is the estimate of various factors[NEWLINE][BOUNDARY][NEWLINE]user: What is non-need based aid and how does my school calculate how much I will receive?[NEWLINE]agent: Your school determines how much non-need aid you can get using this formula.[NEWLINE][BOUNDARY][NEWLINE]user: On a slightly related note, let's talk about money. What if my university offers me financial aid?[NEWLINE]agent: Sometimes money is left over after your aid is applied to your tuition, fees, and other school charges. This remaining amount is called a credit balance.[NEWLINE]user: Well, that doesn't help me solve my issue. Is there any way to get course materials for less money?[NEWLINE]agent: Your options for course material formats will vary by school, instructor, and course, so learning what your options are and knowing about any cost-reduction initiatives your school may have can result in significant savings.[NEWLINE]user: But what if I need new textbooks? |
superseg_train_6435 | user: Hello there, I'm here to learn more about school aid offers.[NEWLINE]agent: Have you applied to several schools then?[NEWLINE]user: Yes, I have.[NEWLINE]agent: In that case be sure to compare aid offers to see which school will be the most affordable.[NEWLINE]user: I'll do that, thank you. What if I received an aid offer from a school and it changed at a later point?[NEWLINE]agent: This could happen for a variety of reasons, such as if you indicated that you plan to live on campus when you submitted your FAFSA form but then later decided to live off campus.[NEWLINE][BOUNDARY][NEWLINE]user: Another query about the financial assistance available to students. Is it possible to submit a written request for assistance?[NEWLINE]agent: follow the steps and send the information by mail[NEWLINE][BOUNDARY][NEWLINE]user: Report the types of loans they offer?[NEWLINE]agent: At school they must manage that information[NEWLINE][BOUNDARY][NEWLINE]user: Que oficinas puedo recurrir para buscar la informacion? |
superseg_train_6436 | user: Hi, could you please explain what an award letter is?[NEWLINE]agent: An award letter tells you what financial aid you can receive at a particular college or career school. Have you applied for aid at a college?[NEWLINE]user: Yes I have applied to several career schools.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: I have an aid offer but am having difficulty figuring out the net price for the school where can I get help?[NEWLINE]agent: You can get help with this by contacting the financial aid office at the school. Remember it is important to understand what is being offered. For example is it a loan or is it a grant.[NEWLINE][BOUNDARY][NEWLINE]user: Financial aid is another concern I have. if your financial assistance will be distributed by my university rather than the US Department of Education?[NEWLINE]agent: Find out when your school will pay your aid and the period covered by each payment[NEWLINE][BOUNDARY][NEWLINE]user: I also need to find out the price. What if the aid is not enough and I have to take out a loan to pay for schooling?[NEWLINE]agent: If you have to take out a loan you should pay special attention to the terms and conditions of private loans so that you understand what your obligations would be. You should read up about federal versus private loans.[NEWLINE][BOUNDARY][NEWLINE]user: very well. now for those involved in chemical and biological testing. I have questions or need help getting medical care[NEWLINE]agent: Any money left over will be paid out to you directly within 14 days unless you authorize the school to keep the money to pay for future institutional charges[NEWLINE][BOUNDARY][NEWLINE]user: Also, I need to find out the cats that I will have knows somewhere where I can get better prices. What is meant by the net costs of schooling?[NEWLINE]agent: The net cost is the amount you will have to pay out of your pocket by way of loans or using your earnings from work.[NEWLINE]user: What should I do if the college does not list the cost of attendance on the aid offer? |
superseg_train_6437 | user: What is a school aid offer?[NEWLINE]agent: Have you applied to several schools?[NEWLINE]user: No I have not yet.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: What if I need to take a larger amount in private loans than at another?[NEWLINE]agent: You should pay extra attention to the terms and conditions on private loans so you will understand what obligations you would have and also read about federal versus private loans.[NEWLINE][BOUNDARY][NEWLINE]user: I also need to know about Work-Study. How is is paid? Is direct deposit to my account an option?[NEWLINE]agent: Yes, they can send your payments directly to your bank account[NEWLINE][BOUNDARY][NEWLINE]user: Do you have any information on where can I know the details if the school's financial aid package does not include the cost of attendance in their student aid?[NEWLINE]agent: Ask the financial aid office for the amount and make sure it includes amounts you will pay to the school directly such as tuition and fees.[NEWLINE][BOUNDARY][NEWLINE]user: there is something else about the types of loans. What Makes Federal Loans Better Than Private Loans?[NEWLINE]agent: Federal loans offer a fixed interest rate and income-driven repayment plans not offered by private loans. Private loans are given out by banks which set their own terms.[NEWLINE][BOUNDARY][NEWLINE]user: Do you also know about the aid coverage of the schools? Will transportation fees be included?[NEWLINE]agent: You should also ask them about transportation fees because sometimes they are included.[NEWLINE]user: Are there steps to figuring out net price? |
superseg_train_6438 | user: I have some questions about financial aid for students. Can you answer them, please?[NEWLINE]agent: Of course. Have you applied to several schools?[NEWLINE]user: No, at least not yet.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE]user: What if I listed a school on my application for student aid?[NEWLINE]agent: Then you might get a tentative aid offer from a school and then find that it changes later.[NEWLINE][BOUNDARY][NEWLINE]user: about reducing the risk of identity theft, to avoid these thefts, do I even have to be careful with my roommates?[NEWLINE]agent: Yes, especially if you have roommates.[NEWLINE][BOUNDARY][NEWLINE]user: Who can I contact if I have any questions or don't understand on what's included in the student aid offer?[NEWLINE]agent: Simply contact the financial aid office at the school. They re there to help! It's important to understand what you're being offered e.g., which items in the offer are grants and which are loans.[NEWLINE][BOUNDARY][NEWLINE]user: On a somewhat related note, I'm sure you're familiar with grants and student loans, so what can you tell me about them?[NEWLINE]agent: Your school will give you your grant or loan money in at least two payments called disbursements. In most cases, your school must give you your grant or loan money at least once per term semester, trimester, or quarter.[NEWLINE][BOUNDARY][NEWLINE]user: Regarding the Net Cost What else does my assistance include?[NEWLINE]agent: Your aid offer might include student loans, so it's important for you to compare the amount of debt you would be taking on at the schools you are considering.[NEWLINE]user: Interesting. And what should I do if I need to take out a larger amount in private loans at one school than at another? |
superseg_train_6439 | user: I need help understanding school aid offers.[NEWLINE]agent: I can assist you with this. Have you applied to multiple schools?[NEWLINE]user: No, my son has.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: How do we figure out the net price for each school he has applied to?[NEWLINE]agent: I can help you with that. Finding out the net price for each school helps you figure out which one will be the most affordable for your son.[NEWLINE][BOUNDARY][NEWLINE]user: Good to know. Do you know which school can be in better quality-price terms? And what should I do before my first TEACH loan or scholarship?[NEWLINE]agent: complete the advice[NEWLINE][BOUNDARY][NEWLINE]user: Okay, I'd also want to find out about TEACH Grant. What if the school he applied to, doesn't list the cost of attendance on his aid offer?[NEWLINE]agent: He can ask the financial aid office for this information. Be sure that it includes the amount he will pay to the school directly like tuition and fees, and other costs(living expenses, supplies, and transportation).[NEWLINE]user: Is there a specific financial plan in place at the school for students who are enrolled?[NEWLINE]agent: Yes, a lot of schools have tuition payment plans, these are monthly interest-free payments towards tuition. These plans can help in reducing the amount of borrowing you need. The financial aid office in your school will have more details[NEWLINE]user: Can you tell me on who I can contact if I want to know the details regarding my son's financial aid?[NEWLINE]agent: Your son's financial aid office at his school can help you with this.[NEWLINE]user: What if he needs to take out larger amounts of private loans at one school over another? |
superseg_train_6440 | user: Hello, I would like to know what financial aid I can receive at a particular university or vocational school.[NEWLINE]agent: have you applied to various schools?[NEWLINE]user: yes[NEWLINE]agent: Be sure to compare the help offers to see which school will be the most affordable.[NEWLINE]user: and could they change the school?[NEWLINE]agent: Yes You may receive a provisional aid offer from a school and then find out that it changes later.[NEWLINE][BOUNDARY][NEWLINE]user: What if I my living expenses are not as high as has been estimated by my school, can I turn down the other loans that has been offered to me?[NEWLINE]agent: You are entitled to turn down any loan that is provided or even to request a lower amount of borrowing. Your school will be able to help you with this query, should it arise[NEWLINE][BOUNDARY][NEWLINE]user: Do schools have specific financial plans in place for students that re attending the school?[NEWLINE]agent: Yes, a lot of schools have tuition payment plans, these are monthly interest-free payments towards tuition. These plans can help in reducing the amount of borrowing you need. The financial aid office in your school will have more details[NEWLINE][BOUNDARY][NEWLINE]user: How do I let my school know what type of financial aid I will be accepting? |
superseg_train_6441 | user: Hello, I would like to know what a school aid offer is[NEWLINE]agent: have you applied to various schools?[NEWLINE]user: yes[NEWLINE]agent: if so be sure to compare the help offers to see which school will be the most affordable.[NEWLINE]user: and could it happen that you receive an offer of provisional help from a school and then find out what changes later?[NEWLINE]agent: Yes, this could happen for a variety of reasons, such as if you indicated that you plan to live on campus when you submitted your FAFSA but then decided to live off campus or if you are selected for verification.[NEWLINE]user: Good to know. Another thingA c h l.Btw, for XXXX. and the aid can vary?[NEWLINE]agent: Because your financial aid package is created for you and is based on the cost of attending a particular school, your aid amounts will vary from school to school.[NEWLINE][BOUNDARY][NEWLINE]user: What do you recommend to learn more about this?[NEWLINE]agent: If you want a long answer, read on! This way you will understand all your concerns[NEWLINE][BOUNDARY][NEWLINE]user: What if my COA is $ 16,000 and you have been awarded a total of $ 4,000 in need-based aid and private scholarships? |
superseg_train_6442 | user: I got an award letter, now what[NEWLINE]agent: Have you applied to several schools?[NEWLINE]user: just one[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: where can I go for help with my aid offer?[NEWLINE]agent: You can contact the financial aid office at the school. It is important that you understand what you're being offered.[NEWLINE][BOUNDARY][NEWLINE]user: Would you like to ask a question about obtaining financial aid funds for course materials from the school, can the school make more significant savings when it comes to obtaining these materials?[NEWLINE]agent: Your options for course material formats will vary by school, instructor, and course, so learning what your options are and knowing about any cost-reduction initiatives your school may have can result in significant savings.[NEWLINE][BOUNDARY][NEWLINE]user: How can I calculate the costs of attendance for my program?[NEWLINE]agent: You can find the cost of attendance for your program on the aid offer[NEWLINE][BOUNDARY][NEWLINE]user: I'd also like to hear about the financial assistance available to students. What shall I do if I'm offered paper aid?[NEWLINE]agent: You most likely will have to sign it and mail it back to the school.[NEWLINE][BOUNDARY][NEWLINE]user: What will I do if I need more assistance, such as a loan to cover expenses?[NEWLINE]agent: If you need to do that you should pay special attention to the terms and conditions of the private loans so you understand what your obligations would be[NEWLINE][BOUNDARY][NEWLINE]user: can my aid offer change later on? |
superseg_train_6443 | user: Can I get a discharge of my student loan?[NEWLINE]agent: You could if you are eligible due to an unpaid refund by your school after you withdraw from school.[NEWLINE]agent: Did you withdraw from school after receiving a direct federal loan or an FFEL Program loan?[NEWLINE]user: I did, yes.[NEWLINE]agent: Then your school may have been required under federal regulations to return some or all of the loan money to your servicer, if they didn't then you may be eligible for a discharge of your loan.[NEWLINE][BOUNDARY][NEWLINE]user: I secured multiple loans for various programs of study at the same school, is it likely that any of the loans will be forgiven even if I was unable to complete any of the programs or transfer credits before the school closed?[NEWLINE]agent: The only loans eligible for discharge are the ones for the program you didn't get to complete because of the school closure; not the ones you decided not to complete on your own and moved to another program.[NEWLINE][BOUNDARY][NEWLINE]user: How much of the loan can be canceled?[NEWLINE]agent: Just the portion that your school failed to return.[NEWLINE][BOUNDARY][NEWLINE]user: How can i identify my loan servicer? do you have information?[NEWLINE]agent: very easy call the FSAIC Federal Student Aid Information Center at 1 - 800 - 433 - 3243.[NEWLINE][BOUNDARY][NEWLINE]user: One other thing I'd like to ask about how much of my loan could be discharged if I'm eligible for an approved federal student loans? Who I can contact regarding this matter?[NEWLINE]agent: Yes, as I said, only the portion of the loan that the school failed to return is eligible for a discharge. You can contact your loan servicer for more information.[NEWLINE][BOUNDARY][NEWLINE]user: So, how can I apply for an unpaid refund discharge? My school it' still operating.[NEWLINE]agent: First, you should contact your school to try and resolve the issue with them before applying for an unpaid refund discharge.[NEWLINE]user: And what could I do in case the school is suddenly closed down? |
superseg_train_6444 | user: What can I do with my loan if a withdraw from my school?[NEWLINE]agent: You can opt for an unpaid refund discharge if your case is eligible for it.[NEWLINE]agent: Did you withdraw from school after receiving your federal student loan?[NEWLINE]user: No, but I'm thinking about it.[NEWLINE]agent: If you do then do you think your school could fail to return the loan funds to your loan servicer?[NEWLINE]user: I think it could happen, yes.[NEWLINE]agent: In that case, you can be eligible for a discharge of your loan, but only the portion that the school fails to return.[NEWLINE]user: If your school closes while you are enrolled or shortly after you withdraw, you may be eligible for your federal student loan forgiveness, What would I need from this school if I plan to complete my education elsewhere?[NEWLINE]agent: You will need to obtain your academic and financial records if you plan to attend another school.[NEWLINE][BOUNDARY][NEWLINE]user: Do you know about loan transfers. What if my federal student loan was transferred from one servicer to a different one?[NEWLINE]agent: The transfer just means that a new servicer will provide the support you need to repay your loans; but is still owned by ED.[NEWLINE][BOUNDARY][NEWLINE]user: I want to know if you withdrew from school and the school did not make a required return of loan funds to the loan servicer would you might be eligible for a discharge of your federal student loans? And is it possible for parents with a Direct PLUS Loan to get their loan discharged as well?[NEWLINE]agent: The same applies to parents with a Direct PLUS loan. If their child withdraws from school and the school fails to return the parent PLUS loan funds then the portion that it's failed to be returned would be withdrawn from the loan.[NEWLINE]agent: Are you a parent of a student in that situation?[NEWLINE]user: Well, not me but my parents, yes. |
superseg_train_6445 | user: Is it possible to be eligible for a discharge if my loan servicer did not make the required return of loan funds to the loan servicer when I withdrew from school?[NEWLINE]agent: Yes, you can learn more about the unpaid refund discharge to see if you qualify or not.[NEWLINE]agent: Did you withdraw from school after receiving a loan made under the William D. Ford Federal Direct Loan Program or Federal Family Education Loan?[NEWLINE]user: Yes, I withdrew after receiving the William D. Ford Federal Direct Loan Program loan.[NEWLINE]agent: Then the school would have been required under federal regulations to return some or all of the loan money to your loan servicer.[NEWLINE][BOUNDARY][NEWLINE]user: What if I have FFEL Program loans that are not owned by ED? What should I do?[NEWLINE]agent: Then you would need to contact your servicer for details about repayment options and tools.[NEWLINE][BOUNDARY][NEWLINE]user: So what if I withdrew from school and the school didn't required for a return of loan funds to the loan servicer. May I be eligible for a discharge of my federal student loans?. Can the whole sum be discharged?[NEWLINE]agent: The discharge would be for the portion of the loan that the school did not return.[NEWLINE][BOUNDARY][NEWLINE]user: I'd like to inquire about the automatic Closed School Discharge. What if I meet the criteria for a closed school discharge and wish to have my loans discharged?[NEWLINE]agent: Then you should contact your loan servicer about applying for a closed school discharge now instead of waiting for three years to receive an automatic closed school discharge.[NEWLINE][BOUNDARY][NEWLINE]user: ok, another question, how can I request the cancellation of the unpaid refund if the school is open?[NEWLINE]agent: You should be able to contact the school and attempt to resolve the problem with them before applying for an unpaid refund.[NEWLINE][BOUNDARY][NEWLINE]user: What if I am parent who received a Direct PLUS Loan to help pay for my child's education, will my loan be discharged due to unpaid refund?[NEWLINE]agent: Actually, yes, the amount the school should have returned will be discharged.[NEWLINE]user: What will happen if my child withdrew from school but the school never made a return of the parent PLUS loan funds? |
superseg_train_6446 | user: I need info on a loan for a school I dropped out of[NEWLINE]agent: Okay, we can help you learn more about the unpaid refund discharge to see whether you might qualify[NEWLINE]agent: Did you withdraw from school after receiving a loan made under the William D. Ford Federal Direct Loan Direct Loan Program or Federal Family Education Loan Program?[NEWLINE]user: yes[NEWLINE]agent: The school may have been required under federal regulations to return some or all of the loan money to your loan servicer[NEWLINE][BOUNDARY][NEWLINE]user: I have another question about the contact information. What if I have loans from the FFEL Program that aren't owned by ED?[NEWLINE]agent: Then you would need to contact your servicer for details about repayment options and tools.[NEWLINE][BOUNDARY][NEWLINE]user: What if the school did not return the loan funds as required after withdrawing?[NEWLINE]agent: You could be eligible for a discharge of the portion of your loan that the school failed to return[NEWLINE]user: I'd like to know more about federal student loan.[NEWLINE]agent: It s important for you to obtain your academic and financial aid records if your school closes since you might need those records if you plan to attend another school or want your student loans discharged. And what will I require to begin?[NEWLINE][BOUNDARY][NEWLINE]user: I got it. Another question I have about unpaid refund.... What do I do to see about that discharge for the loan?[NEWLINE]agent: You will need to complete the Loan Discharge Application: Unpaid Refund, and send the completed form to your loan servicer[NEWLINE][BOUNDARY][NEWLINE]user: is the discharge the same if you are the parent and you got the loan?[NEWLINE]agent: Yes, the amount of the loan that the school should have returned will be discharged. You can contact your loan servicer for more information.[NEWLINE][BOUNDARY][NEWLINE]user: can I just go to the school and ask for the loan back? |
superseg_train_6447 | user: Hello, I need help, I recently left school and the school did not make the required repayment of the loan funds, how do I do?[NEWLINE]agent: First, it's important that you get more information about the unpaid rebate registration to see if you can qualify.[NEWLINE]agent: dropped out of school after receiving a loan from the Loan Program?[NEWLINE]user: Right[NEWLINE]agent: in that case the school may have been required by federal regulations to return some or all of the loan money to your loan servicer.[NEWLINE][BOUNDARY][NEWLINE]user: Do you also know about this - by federal regulations. and can they transfer it to other administrators?[NEWLINE]agent: If we transfer your federal student loans from one administrator to another administrator, your loans will remain the property of ED. Transferring to another servicer simply means that a new servicer will provide the support you need to fully repay your loans[NEWLINE][BOUNDARY][NEWLINE]user: Are you aware of the federal student loan discharge? Is it possible that I'm eligible?[NEWLINE]agent: Of course you may be eligible for a discharge of the part of your loan that the school was unable to repay.[NEWLINE][BOUNDARY][NEWLINE]user: What if I enrolled in program A, but did not decide to continue and continued with program B, but did not finish it either? Are the loans for those programs canceled?[NEWLINE]agent: If you were also unable to complete Program B because the school closed, only loans you received for Program B could potentially be discharged.[NEWLINE][BOUNDARY][NEWLINE]user: I would like to ask another question, if i am a parent who has received a PLUS loan from the Direct Loan Program to help pay for my child's education, could my loan be canceled due to an unpaid refund?[NEWLINE]agent: Yes, the loan amount that the school should have repaid will be canceled. Contact your loan servicer for more information.[NEWLINE]user: Is that only in cases where the child dropped out of school but the school did not make the required repayment of the parent's PLUS loan funds?[NEWLINE]agent: that is correct, the loan amount that the school should have repaid will be canceled.[NEWLINE][BOUNDARY][NEWLINE]user: ok, so i want to request the download of the refund without paying, what do i do? |
superseg_train_6448 | user: I need to know if I'm eligible for a discharge of my federal student loans.[NEWLINE]agent: I'll be happy to help you find out if you qualify for the unpaid refund discharge.[NEWLINE]user: Thank you. I've withdrawn from school and I received my loan under the FFEL Program. Do I qualify?[NEWLINE]agent: In this case, your school may be required to return part or all of your loan money to the loan servicer.[NEWLINE][BOUNDARY][NEWLINE]user: That's helpful to hear. Anything else. Is it true that my parent PLUS loan will be forgiven if my qualification is falsified?[NEWLINE]agent: Have you evidence that the school in question falsely certified your son/daughter's ability to benefit from its training?[NEWLINE]user: No, I don't have evidence at this point[NEWLINE]agent: Is it the case that the student in question had a disqualifying status at the time that the school certified your eligibility to receive the parent PLUS loan?[NEWLINE]user: Yes, this is the case actually[NEWLINE]agent: null[NEWLINE][BOUNDARY][NEWLINE]user: If I have a strong suspicion that a loan was made in my name as a result of identity theft, who do I contact? |
superseg_train_6449 | user: I left school and need to know if I'm eligible for a dicharge of my federal student loans.[NEWLINE]agent: 'll be happy to help you find out if you qualify for an unpaid return discharge.[NEWLINE]agent: Was your loan made under the William D. Ford Federal Direct Loan Program or the FFEL Program?[NEWLINE]user: No. I don't think it was.[NEWLINE]agent: Has the school that you've withdrawn from refused to make a required return of your loan money?[NEWLINE]user: No, they haven't refused, but they seem to be dragging their feet about it.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: How would I go about applying for the unpaid refund discharge?[NEWLINE]agent: Is the school that you used to attend still open?[NEWLINE]user: No. They are closed.[NEWLINE]agent: Have they shutdown permanently?[NEWLINE]user: Yes.[NEWLINE]agent: In that case, you will need to first find out if you are eligible for a closed school discharge.[NEWLINE]user: By the way, to obtain information about my aid loan, who should I turn to for advice?[NEWLINE]agent: Never pay an outside company for help with your federal student loans. Your loan servicer will help you FREE. Contact your administrator to request income-based payment plans, student loan forgiveness, and more.[NEWLINE][BOUNDARY][NEWLINE]user: Well,. My old school closed and I took the credits from there to my new program at a new school. The fact that my school closed was not my fault, but does that mean that I am ineligible for the fulfillment of the loans I received at the closed school now? Or I could make an exception to the rule and let me keep the loan |
superseg_train_6450 | user: Hello, I have an issue. I withdrew from school and I'm wondering about some things regarding the return of my loan funds.[NEWLINE]agent: You're in the right place then. Here you can learn more about the unpaid refund discharge to see whether you might qualify.[NEWLINE]agent: Did you withdraw from school after receiving a loan made under the William D. Ford Federal Direct Loan Direct Loan Program or Federal Family Education Loan FFEL Program?[NEWLINE]user: No, that isn't the case.[NEWLINE]agent: Did the school NOT make a required return of the loan funds after you withdrew?[NEWLINE]user: No, they returned the loan funds.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: So how much of my loan will be discharged if I was approved for that?[NEWLINE]agent: Only the portion of your loan that your school should have returned will be discharged. Contact your loan servicer for more information.[NEWLINE][BOUNDARY][NEWLINE]user: Is my service as a teacher eligible for loan forgiveness? In fact, I have taught full-time in a low-income school for eight complete and consecutive academic years.[NEWLINE]agent: Yes, you may be eligible for forgiveness of up to $ 17,500 on your Direct Subsidized and Unsubsidized Loans and your Subsidized and Unsubsidized Federal Stafford Loans[NEWLINE][BOUNDARY][NEWLINE]user: Can I receive loan forgiveness under both the Teacher Loan Forgiveness Program and the Public Service Loan Forgiveness Program? |
superseg_train_6451 | user: How do I decide which income-driven repayment plan to choose within the FSA process?[NEWLINE]agent: Have you decided that an income-driven repayment plan is what you want to proceed with?[NEWLINE]user: Yes, that is my choice[NEWLINE]agent: In that case, you will need to choose the plan that will provide the most benefits to you which are based on your own personal circumstances[NEWLINE][BOUNDARY][NEWLINE]user: What does it mean when it says that I must be a new borrower to qualify for the PAYE Plan?[NEWLINE]agent: This means that you must have had no outstanding balance on a Direct Loan or FFEL Program loan when you received a Direct Loan or FFEL Program loan on or after Oct. 1, 2007, and you must have received a disbursement of a Direct Loan on or after Oct. 1, 2011[NEWLINE][BOUNDARY][NEWLINE]user: Okay, that's it. the direct loan is also something I'd like to know. Do we have the option of selecting a payment plan?[NEWLINE]agent: You have the option to choose a repayment plan. If you don’t choose a repayment plan your loan servicer places you on the Standard Repayment Plan.[NEWLINE]user: should I just let them leave me on the standard plan?[NEWLINE]agent: The Standard Repayment Plan saves you money over time because your monthly payments may be slightly higher than payments made under other plans, but you will pay off your loan sooner. You end up paying the least amount of interest over the life of your loan.[NEWLINE][BOUNDARY][NEWLINE]user: can I use other loans to have you look at when you work out the repayments on a Direct Consolidation Loan? |
superseg_train_6452 | user: will my repayment plan be divided into similar payments?[NEWLINE]agent: No, your required monthly payment amount may increase or decrease if your income or family size changes from year to year.[NEWLINE]agent: Did you want to know more about recertification?[NEWLINE]user: no I need some other things[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: about how long will it take to pay back?[NEWLINE]agent: Income-driven repayment plans have different repayment periods.[NEWLINE][BOUNDARY][NEWLINE]user: Good to know! what are the different payment plans?. Is there a grace period after graduation?[NEWLINE]agent: After you leave school or drop below half-time enrollment, you have a six-month grace period sometimes nine months for Perkins Loans before you must begin making payments.[NEWLINE][BOUNDARY][NEWLINE]user: Would that be when I would have to begin making payments?[NEWLINE]agent: Once you graduate, drop below half-time enrollment, or leave school, your federal student loan goes into repayment.[NEWLINE]agent: Is your loan a Direct Subsidized, Direct Unsubsidized, or Federal Family Education Loan?[NEWLINE]user: Yes, it is. |
superseg_train_6453 | user: I need help with understanding annual re-certification requirements on income and family size.[NEWLINE]agent: I can help you with that. It's very important that you re-certify your income and family size by the given annual deadline.[NEWLINE]agent: Have you recertified your income by the deadline?[NEWLINE]user: Yes, I have.[NEWLINE]agent: Excellent. Those who don't re-certify would be subject to varying consequences depending on their plan.[NEWLINE][BOUNDARY][NEWLINE]user: What are the consequences if you fail with that?. What if I am employed in more than one part-time skilled job at the same time?[NEWLINE]agent: You will be considered full time if you work a combined average of at least 30 hours per week with your employers.[NEWLINE][BOUNDARY][NEWLINE]user: Can you tell me more information on what are the advantages of applying for an income-driven repayment plan?[NEWLINE]agent: Completing the application allows you to select an income-driven repayment plan by name or request that your loan servicer determine what plan you qualify for. The loan servicer would then place you on the plan with the lowest monthly payment.[NEWLINE][BOUNDARY][NEWLINE]user: Good to know, and regarding the gradual payment plan, for what types of loans can I be eligible with this type of plan?[NEWLINE]agent: The following loans from the William D. Ford Federal Direct Loan Direct Program and the FFEL Federal Family Education Loan Program are eligible for the Graduated Repayment Plan:[NEWLINE][BOUNDARY][NEWLINE]user: Alright. About the PAYE and IBR Plans. Is there a case if I have an outstanding Direct Loan balance?[NEWLINE]agent: If you have an outstanding balance on a Direct Loan or FFEL program loan when you received a loan on or after Oct. 1st 2007, you will not qualify for the PAYE plan.[NEWLINE][BOUNDARY][NEWLINE]user: How do REPAYE and ICR plans work?[NEWLINE]agent: Under these plans, your payment is always based on your income and family size, regardless of income changes. For example, if your income increases over time, your payment may be higher than the amount you would have to pay under the 10 year Standard Repayment Plan.[NEWLINE][BOUNDARY][NEWLINE]user: What repayment plan is available for FFEL program loans? |
superseg_train_6454 | user: Hi, I'd like to know where can I get more information about income-based payment plans?[NEWLINE]agent: Want more information about the income - driven repayment plans?[NEWLINE]user: yes[NEWLINE]agent: Explore our Questions and Answers page on Income Driven Plans[NEWLINE][BOUNDARY][NEWLINE]user: That's very intriguing, to say the least. I have a loan that is classified as FFEL Plus. Is that the kind of loan that qualifies for the lower payments?[NEWLINE]agent: It is. The Federal Family Education Loan Plus program is one of the types of loan under te reduced payments option.[NEWLINE]user: And what about Unsubsidized Federal Stafford Loans? I have an acquaintance that has one of those.[NEWLINE]agent: Yes, is it eligible too.[NEWLINE][BOUNDARY][NEWLINE]user: The way to repay my loan under this plan is still on a monthly basis, right?[NEWLINE]agent: That's correct. The payments are still on a monthly base, but they increase or decrease based on your annual income and are valid for a maximum time period of ten years.[NEWLINE][BOUNDARY][NEWLINE]agent: Do yo have more loans owned by U.S Department of Education?[NEWLINE]user: Yeah, i have two of them. |
superseg_train_6455 | user: Will something happen if I don't get my income and family size recertified by the annual deadline?[NEWLINE]agent: It is really important to recertify before the annual deadline.[NEWLINE]agent: Do you need to know what happens if you don't recertify your income before the deadline?[NEWLINE]user: Yes, I would like to know the answer about recertifying my income.[NEWLINE]agent: The things that will happen vary depending on the plan you have.[NEWLINE][BOUNDARY][NEWLINE]user: I see, another question about student loan repayments, which loan servicers are used for making payments?[NEWLINE]agent: The US Depatment of Education has many loan servicers that handle the billing and other services on loans for William D. Ford Federal Direct Loan and for loans that will made under FFEL and ED purchased.[NEWLINE][BOUNDARY][NEWLINE]user: What will happen to my repayment plan if I don t recertify my income and family size by the annual deadline?[NEWLINE]agent: The same repayment plan would be enforced if you do not recertify your family size.[NEWLINE][BOUNDARY][NEWLINE]user: I just remember to ask about Eligible Federal Loans. Is this true for the unsubsidized Stafford loan?[NEWLINE]agent: Yes, Unsubsidized Federal Stafford Loans are eligible for the Graduated Repayment Plan[NEWLINE][BOUNDARY][NEWLINE]user: I would like to ask, how can I request a payment plan based on income? Also, what if I have income that is tax-free or if I simply have no income at all?[NEWLINE]agent: You would have to mark it the online application or paper application and you are not required to supply further documentation.[NEWLINE][BOUNDARY][NEWLINE]user: Are their other repayment options if I do not want an income-driven repayment plan?[NEWLINE]agent: You would need to contact your loan servicer and discuss repayments options such as extending our repayment period or temporarily suspend your repayment through deferment or forbearance.[NEWLINE][BOUNDARY][NEWLINE]user: Is there another option besides income-driven plans for PLUS loans for parents? |
superseg_train_6456 | user: Hello i would like to get information about What types of federal student loans can I repay under an income-based repayment plan?[NEWLINE]agent: The table below shows the types of federal student loans you can pay under each of the income-based payment plans.[NEWLINE]user: What happens if I consolidate a FFEL Program Loan?[NEWLINE]agent: You can repay the Direct Consolidation Loan under the REPAYE, PAYE and ICR Plan depending on The type of loan you consolidate.[NEWLINE][BOUNDARY][NEWLINE]user: How do I see the plans?[NEWLINE]agent: Try This Resource Federal Student Loans: Paying Off Your Loans Provides information on federal student loan repayment plan options, finds loan history and loan managers, and makes payments.[NEWLINE][BOUNDARY][NEWLINE]user: I have another question about eligible federal loans that I'd like to ask. Is this valid for a stafford loan that isn't subsidized?[NEWLINE]agent: Yes, Unsubsidized Federal Stafford Loans are eligible for the Graduated Repayment Plan[NEWLINE][BOUNDARY][NEWLINE]user: how long will I have to make payments?[NEWLINE]agent: Monthly payments are made for up to 10 years for all loan types except Direct Consolidation Loans and FFEL Consolidation Loans[NEWLINE][BOUNDARY][NEWLINE]user: would a direct unsubsidized loan also be eligible for this repayment plan? |
superseg_train_6457 | user: What is involved in applying for an income-driven repayment plan through the FSA?[NEWLINE]agent: Before any application is made, you are advised to contact your loan servicer if you have any queries or questions. Your loan servicer will be able to advise you which plan is the correct one for you[NEWLINE]user: How do I apply for an income-driven repayment plan?[NEWLINE]agent: You have t submit an application which is known as the Income-Driven Repayment Plan Request form[NEWLINE]user: Is my AGI ever used during my income-driven repayment plan application?[NEWLINE]agent: Have you filed a federal income tax return in the past two years?[NEWLINE]user: Yes I have[NEWLINE]agent: And may I ask, is your current income significantly different from the income that was reported on your most recent federal income tax return?[NEWLINE]user: Yes, it's quite different[NEWLINE]agent: null[NEWLINE][BOUNDARY][NEWLINE]user: Can I use other loans for me to look at when calculating repayments for a direct consolidation loan? |
superseg_train_6458 | user: Hello, what are the low payments for federal loans?[NEWLINE]agent: Hay una tabla donde se relaciona el tipo de prestamo con los tipos de pagos basado en ingresos.[NEWLINE]agent: Puedes considerar un prestamo mediante el programa FFEL o un préstamo federal Perkins.[NEWLINE]user: En que cosiste este tipo de plan?[NEWLINE]agent: Tiene como objetivo el reembolsar el Préstamo de Consolidación Directa bajo el Plan REPAYE, PAYE e ICR.[NEWLINE][BOUNDARY][NEWLINE]user: I'd like to inquire about Temporary Relief. Can we get assistance because of the coronavirus and the loss of our jobs?[NEWLINE]agent: Yes, federal student loan borrowers are automatically being placed in an administrative forbearance, which allows you to temporarily stop making your monthly loan payments. This suspension of payments will last from March 13, 2020, through Sept. 30, 2020.[NEWLINE][BOUNDARY][NEWLINE]user: If I have any questions regarding my loan that are not covered in the FAQs, where can I go for the information?[NEWLINE]agent: You can call the FedLoan Servicing at 1-855-265-4038.[NEWLINE][BOUNDARY][NEWLINE]user: How do I apply for a repayment plan based on my income?[NEWLINE]agent: It is important to note if you have filed a federal tax return in the past two years.[NEWLINE]user: What is the federal tax return?[NEWLINE]agent: You have to report your current income.[NEWLINE]user: Does the information in both scenarios have to match?[NEWLINE]agent: It is important to report adjusted gross income or alternative income documentation.[NEWLINE][BOUNDARY][NEWLINE]user: Do I need to know all the options to be able to cancel my aid loan?[NEWLINE]agent: Sure, an income-based plan is not recommended.[NEWLINE]user: What does this plan consist of? |
superseg_train_6459 | user: Hello there. I need to know what happens if I miss the annual deadline to recertify my income.[NEWLINE]agent: Of course. It's important for you to recertify your income and family size by the specified annual deadline.[NEWLINE]agent: Did you NOT recertify your income by the deadline?[NEWLINE]user: No. I mean yes, but my case is a little specific.[NEWLINE]agent: Did you NOT recertify your income by the deadline and are you under the REPAYE plan?[NEWLINE]user: Yes. That's the issue.[NEWLINE]agent: Then you'll be removed from the REPAYE Plan and placed on an alternative repayment plan.[NEWLINE]user: By the way, for alternative repayment options.. well, I get it. What do I stay away from?[NEWLINE]agent: One thing you definitely want to avoid is going default! This occurs when you are at least nine months behind on your student loan. The consequences of default include damage to your credit rating and future indebtedness.[NEWLINE]user: On a similar note, what happens if I don't re certify my salary and family size? What happens if I have a different payment plan?[NEWLINE]agent: Under this alternative repayment plan, your required monthly payment is not based on your income.[NEWLINE][BOUNDARY][NEWLINE]user: Regarding the identification of my servicer, how can I find out who my loan servicer is? |
superseg_train_6460 | user: Hello, I need to know what happens if I do not recertify my income and the size of my family?[NEWLINE]agent: It is vitally important to carry out such processes by the specified annual deadline to avoid penalties.[NEWLINE]agent: If you do not carry out such a process, I recommend that you recertify your income on the stipulated date.[NEWLINE]user: Can you tell me more about it?[NEWLINE]agent: If you do not carry out the process in the time limit, you will be presented with other options that you should take into account.[NEWLINE]user: Can you advise me more about that particular case please?[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: Can you explain what the AGI consists of?[NEWLINE]agent: Before continuing, can you tell me if you filed the federal tax return?[NEWLINE]user: What would happen if I did not do it?[NEWLINE]agent: It is important that current income is not different with what you reported on the tax return.[NEWLINE]user: What would happen if I did not make the declaration in the last years?[NEWLINE]agent: It can also be adjusted gross income or some alternative income report.[NEWLINE][BOUNDARY][NEWLINE]user: Another query regarding the standard repayment plan. Do we have the option of selecting a payment plan?[NEWLINE]agent: You have the option to choose a repayment plan. If you don’t choose a repayment plan your loan servicer places you on the Standard Repayment Plan.[NEWLINE][BOUNDARY][NEWLINE]user: Is there any other options for me if I've missed one or more loan payments?or if I can't make payments at all? |
superseg_train_6461 | user: Hello, I would like to know how much you have to pay monthly for an income based payment plan?[NEWLINE]agent: The amounts can vary, it all depends on several factors.[NEWLINE]user: Can you advise me on recertifying?[NEWLINE]agent: It is vitally important that you enter another payment plan request based on income.[NEWLINE][BOUNDARY][NEWLINE]user: I have a further question about FFEL. What FFEL Programs Loans are eligible for someone in my position?[NEWLINE]agent: The subsidized and unsubsidized Federal Stafford Loans, FFEL PLUS loans, and FFEL Consolidation Loans are all available for Income-Sensitive Repayment Plan.[NEWLINE][BOUNDARY][NEWLINE]user: What if I have an FFEL Program loan owned by the US Department of Education?[NEWLINE]agent: You should contact your loan servicer.[NEWLINE][BOUNDARY][NEWLINE]user: What would my monthly payments look like under this Income-Sensitive Repayment plan?[NEWLINE]agent: Under this plan your monthly payments will increase or decrease based on your annual income and are made for a maximum of 10 years.[NEWLINE][BOUNDARY][NEWLINE]agent: Do you have an FFEL Program loan owned by the US Department of Education? |
superseg_train_6462 | user: Can I get a teacher loan forgiveness?[NEWLINE]agent: Are you currently in default on a loan?[NEWLINE]user: No, I'm not.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: But in case I apply for a teacher loan forgiveness, what should I do if my loan is with a different loan servicers?[NEWLINE]agent: If that's the case, you should submit a separate form to each servicer.[NEWLINE][BOUNDARY][NEWLINE]user: I have another question about defaulting on my federal loan, would my late payment affect my future financial status?[NEWLINE]agent: Yes the consequences may affect your financial future so it is best to find out how to get out of default and take steps now.[NEWLINE][BOUNDARY][NEWLINE]user: very well. Now to apply for or create the loan that I need to make. Is the Parent PLUS Loan Eligible for Teacher Loan Forgiveness?[NEWLINE]agent: No, PLUS loans for parents aren't eligible for this type of forgiveness.[NEWLINE][BOUNDARY][NEWLINE]user: Okay, regarding my Perkins Loan, can I be eligible for all or part of it to be canceled?[NEWLINE]agent: Yes. If you have a Perkins Loan, you may get it discharged under certain conditions, which means you would no longer be obligated to pay back your loan.[NEWLINE][BOUNDARY][NEWLINE]user: By the way, As a full-time secondary school teacher, what is the maximum amount of loan forgiveness I can get?[NEWLINE]agent: If you didn't teach mathematics, science, or special education, you may receive up to 5000$ in loan forgiveness.[NEWLINE][BOUNDARY][NEWLINE]user: And what if I'm an AmeriCorps Program volunteer, there's anything I should be aware of when applying for a teacher loan forgiveness? |
superseg_train_6463 | user: I want to know if I'm eligible for a teacher loan forgiveness.[NEWLINE]agent: Are you in default on a loan?[NEWLINE]user: I am, yes.[NEWLINE]agent: Then first you should make satisfactory repayment arrangements with the holder of the defaulted loan, if you don't do that first then you wouldn't be eligible.[NEWLINE][BOUNDARY][NEWLINE]user: And what do I have to do if the loans are with different loan servicers?[NEWLINE]agent: just submit a separate form to each of the servicers.[NEWLINE][BOUNDARY][NEWLINE]user: In my case, I taught at school that was included in the TCLI Directory only during my first year of teaching. Would the rest of my teaching years be counted towards the 5 years to qualify for the teacher loan forgiveness?[NEWLINE]agent: Yes, don't worry, the rest of your teaching years on that school will be counted as well.[NEWLINE][BOUNDARY][NEWLINE]user: I'd also like to know on what do I need to do if I'm ready to apply for the unpaid refund discharge?[NEWLINE]agent: Then you must complete the Loan Discharge Application: Unpaid Refund and send the completed form to your loan servicer.[NEWLINE]user: What if I want to apply for an unpaid refund discharge, but my school has closed down? |
superseg_train_6464 | user: I have a teacher loan forgiveness question on how much can be forgiven[NEWLINE]agent: If you qualify you may be be eligible for forgiveness of up to $17,500 on your Direct Subsidized and Unsubsidized Loans and your Subsidized and Unsubsidized Federal Stafford Loans.[NEWLINE]agent: Have you taught full-time for five complete and consecutive academic years in a low-income school or educational service agency?[NEWLINE]user: no, but almost there so just need information[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: what else do I need to be eligible for the $17,500 forgiveness?[NEWLINE]agent: Are you a highly qualified full-time mathematics or science teachers who taught students at the secondary level?[NEWLINE]user: no I teach English[NEWLINE]agent: Are you a highly qualified special education teacher at either the elementary or secondary level whose primary responsibility was to provide special education to children with disabilities?[NEWLINE]user: no just an English teacher[NEWLINE]agent: You don't qualify for the full $17,500 loan forgiveness.[NEWLINE][BOUNDARY][NEWLINE]user: I do not understand why I do not qualify what I am missing?. How is my loan repayment amount calculated?[NEWLINE]agent: The amount of your discretionary income is calculated by examining your adjusted gross income from your most recent federal income tax return that exceeds 150 percent of the poverty guideline amount for your state and family size.[NEWLINE]user: I have another question about eligibility requirements for Federal Perkins Loans. What is the basis of eligibility for teacher cancellation? |
superseg_train_6465 | user: what can we get forgiven on a teacher loan?[NEWLINE]agent: The maximum forgiveness amount is either $17,500 or $5,000, depending on the subject area taught.[NEWLINE]agent: Do you have eligible loans under both the Direct Loan Program and the FFEL Program?[NEWLINE]user: yes I do[NEWLINE]agent: $17,500 or $5,000 is a combined maximum forgiveness amount for both programs[NEWLINE][BOUNDARY][NEWLINE]user: Are Direct Unsubsidized Loans Available For Undergraduate Students?[NEWLINE]agent: Yes, Direct Unsubsidized Loans are available to undergraduate and graduate students; there is no requirement to demonstrate financial need.[NEWLINE][BOUNDARY][NEWLINE]user: Another query about payment suspension during the COVID 19 national emergency. If I have the opportunity to make a payment or two, I can do so, right?[NEWLINE]agent: Yes, no problem. But if you can't do it, you can skip them during this period of time.[NEWLINE][BOUNDARY][NEWLINE]user: Can I ask another question regarding loan forgiveness, is it easy to do or are there some extra steps not described?[NEWLINE]agent: Were you a highly qualified full-time mathematics or science teacher who taught students at the secondary school level?[NEWLINE]user: No I wasn't[NEWLINE]agent: Were you a highly qualified special education teacher whose primary responsibility was to provide special education to children with disabilities?[NEWLINE]user: No I didn't work with special ed students[NEWLINE]agent: You are not eligible for the combined maximum forgiveness amount[NEWLINE][BOUNDARY][NEWLINE]user: what loan forgiveness can I get for a Federal Consolidation Loan? |
superseg_train_6466 | user: Hey, greetings to you. You know, i got a student loan, so i have to repay it, but i got a teacher job too. That counts for anything on the loan?[NEWLINE]agent: It does, indeed. Being a teacher can be useful for you, as you can get a loan forgiveness, Which amount can be $17,000 or $5,000, depending on the subject area taught.[NEWLINE]agent: I have to ask, Do you have any loan under both the Direct Loan Program and the FFEL Program?[NEWLINE]user: No, i don't have any loan under any of that.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: No problem. Say, if i have a plus loan or that other one, Federal Perkins, i still can use forgiveness?[NEWLINE]agent: Sadly, that's a no. The Plus loans and Federal Perkins Loans are out for this forgiveness. However, you could still be eligible to cut down your Federal Perkins loan based on your employment or volunteer service.[NEWLINE][BOUNDARY][NEWLINE]user: Where can I seem further information to help cut down my Federal Perkins loan?[NEWLINE]agent: If you have any questions, you can contact FedLoan Servicing to answer questions about it.[NEWLINE]user: I still have more questions for you, can you help me?[NEWLINE]agent: Check the page on asking frequently asked PSLF.[NEWLINE][BOUNDARY][NEWLINE]user: What are federal programs? and what conditions must be met to be approved? |
superseg_train_6467 | user: I need to know if I'm teaching at a low-income school or educational service agency, please[NEWLINE]agent: The school or educational services agency must be listed in the Teacher Cancellation Low Income (TCLI) Directory, published each year by the US Department of Education.[NEWLINE]agent: Have you found out if your school or educational services agency is classified as low income?[NEWLINE]user: Not yet[NEWLINE]agent: Is the TCLI Directory available before May 1?[NEWLINE]user: No, just after May 1[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: What if I am applying for forgiveness of loans that are with different loan servicers?[NEWLINE]agent: In that case, you must submit a separate form to each of them[NEWLINE][BOUNDARY][NEWLINE]user: What if I'm a member of AmeriCorps, the Peace Corps, or the US Department of Defense is paying off my debt?[NEWLINE]agent: There are special rules that allow borrowers who are AmeriCorps or Peace Corps volunteers to use their Segal Education Award or Peace Corps transition payment to make a one-time payment that can count up to 12 qualified PSLF payments.[NEWLINE][BOUNDARY][NEWLINE]user: What if I am employed in more than one qualified part-time job at the same time? |
superseg_train_6468 | user: If I have a defaulted loan, am I eligible for teacher loan forgiveness?[NEWLINE]agent: Are you currently in default with your loan?[NEWLINE]user: Yes, unfortunately, I am[NEWLINE]agent: You will not be eligible for forgiveness of that loan unless you make satisfactory arrangements with the holder of the defaulted loan[NEWLINE][BOUNDARY][NEWLINE]user: I see. Another question for my loan default, what if my school failed to return the loan funds after I withdrew?[NEWLINE]agent: This may make you eligible for a discharge of the loan money that your school failed to return.[NEWLINE][BOUNDARY][NEWLINE]user: What if my parents received a Direct PLUS loan for my education? Does the loan still qualify?[NEWLINE]agent: yes. If your school did not return the loan money, that amount will be discharged.[NEWLINE]agent: Did the school refuse to make a required return of your parent's PLUS loan funds?[NEWLINE]user: No.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: How do I find out who my loan servicer is? |
superseg_train_6469 | user: I'm part of the teacher loan program and I wanted to know if I can receive loan forgiveness or not.[NEWLINE]agent: Of course. You can potentially receive forgiveness under both the Teacher Loan Forgiveness Program and the Public Service Loan Forgiveness Program, but not for the same period of teaching service.[NEWLINE]user: Well, what if I complete five years of qualifying teaching and then I get forgiveness of my Direct Loans?[NEWLINE]agent: If you complete five consecutive years of qualifying teaching and receive forgiveness of your Direct Loans under the Teacher Loan Forgiveness Program, any payments you made on your Direct Loans during that five-year period can not be counted toward the required 120 monthly payments for the Public Service Loan Forgiveness Program.[NEWLINE][BOUNDARY][NEWLINE]user: Alright, that makes sense. And what if I'm applying for forgiveness of loans from different loan servicers?[NEWLINE]agent: In that case you must submit a separate form to each of them.[NEWLINE][BOUNDARY][NEWLINE]user: Good to know. I have another question regarding my federal student loan. What should I do in order to get discharge for my loan?[NEWLINE]agent: It is very important for you to obtain your academic and financial aid records if your school closes since you might need those records if you plan to attend another school or want your student loans discharged.[NEWLINE]user: What would I need from this school if I am planning on completing my education elsewhere?[NEWLINE]agent: You will need to obtain your academic and financial records if you plan to attend another school.[NEWLINE][BOUNDARY][NEWLINE]user: Are you able to answer questions about benefits I may have by receiving a closed school loan discharge?[NEWLINE][BOUNDARY][NEWLINE]agent: Are you inquiring about the benefits you would receive by obtaining a closed school loan discharge?[NEWLINE]user: Yes, I am. |
superseg_train_6470 | user: Hello, I want to know if my federal student loans can be forgiven if I have worked as a teacher.[NEWLINE]agent: Of course. Learn about the forgiveness program to see whether you qualify.[NEWLINE]agent: Did you teach full-time for five complete and consecutive academic years in a low-income school or educational service agency, and do you meet the other listed qualifications?[NEWLINE]user: Yes, I do![NEWLINE]agent: Then you may be eligible for forgiveness of up to $ 17,500 on your Direct Subsidized and Unsubsidized Loans and your Subsidized and Unsubsidized Federal Stafford Loans.[NEWLINE]user: I see this is something that I'm looking for, because of the covid19 outbreak. Does this count? I mean, this is covered?[NEWLINE]agent: Yes, there are special measures that has been taken about this, which will last from march 13 through sept 30 of 2020.[NEWLINE]user: I'm wondering if my service as a teacher will help me in getting my federal consolidation loan forgiven?[NEWLINE]agent: In that case you may be eligible for forgiveness of the outstanding portion of the consolidation loan that repaid an eligible Direct Subsidized Loan, Direct Unsubsidized Loan, Subsidized Federal Stafford Loan, or Unsubsidized Federal Stafford Loan.[NEWLINE][BOUNDARY][NEWLINE]user: I have a loan question. What types of loans qualify?[NEWLINE]agent: Any loan received under the William D. Ford Federal Direct Loan Direct Loan Program would qualify for PSLF.[NEWLINE][BOUNDARY][NEWLINE]user: Okay. May I know the eligibility requirements for Direct Loans or Federal Family Education Loan FFEL Program loans?[NEWLINE]agent: Well, you must not have had an outstanding balance on Direct Loans or Federal Family Education Loan FFEL Program loans as of Oct. 1, 1998, or on the date that you obtained a Direct Loan or FFEL Program loan after Oct. 1, 1998.[NEWLINE][BOUNDARY][NEWLINE]user: Now that's interesting, thank you. What do I need to do to receive the maximum $ 17,500 in loan forgiveness?[NEWLINE]agent: Are you a highly qualified full-time mathematics or science teacher who taught students at the secondary school level?[NEWLINE]user: No, sorry.[NEWLINE]agent: Are you a highly qualified special education teacher at either the elementary or secondary level whose primary responsibility was to provide special education to children with disabilities?[NEWLINE]user: No, I'm not. |
superseg_train_6471 | user: How much loan forgiveness could I possibly get?[NEWLINE]agent: The most loan forgiveness you could get is either$17,500 or $5,000 and it is determined by what subject area you taught.[NEWLINE]user: What if I have eligible loans under both Direct Loan and FFEL Program?[NEWLINE]agent: You still can only receive a combined maximum forgiveness of $17,500 or $5,000.[NEWLINE][BOUNDARY][NEWLINE]user: May I ask something else? regarding under both Direct Loan. can I use time spent at church to be considered a full time employee?[NEWLINE]agent: Time spent on religious instruction or worship services may not be counted toward meeting the full-time employment requirement.[NEWLINE][BOUNDARY][NEWLINE]user: On the repayment plans to qualify do the payments stay the same or can they increase?[NEWLINE]agent: Your payment may increase depending on your income and the amount that you owe. If you do not want the possibility of higher payments then the PSLF Program may not be for you[NEWLINE][BOUNDARY][NEWLINE]user: How soon can I get into public service loan forgiveness?[NEWLINE]agent: You have to make 120 qualifying monthly payments so it will take at least 10 years before you can qualify.[NEWLINE]agent: Are you working toward PSLF?[NEWLINE]user: yes |
superseg_train_6472 | user: I want to find out more about who is handling my school loan[NEWLINE]agent: We can help you learn about the role that student loan servicers play in the repayment process and which servicer handles your federal student loans[NEWLINE][BOUNDARY][NEWLINE]user: where do I go for info if the loan isn't with the Department of Education?[NEWLINE]agent: Do you have FFEL Program loans that are not owned by ED?[NEWLINE]user: yes[NEWLINE]agent: You should contact your servicer[NEWLINE][BOUNDARY][NEWLINE]user: what do I do after I get the welcome letter on a loan transfer?[NEWLINE]agent: You should start sending in payments to the new servicer[NEWLINE][BOUNDARY][NEWLINE]user: That's great to hear! Can you tell me on what options do I have if I'm struggling in making payments on my federal student loans?[NEWLINE]agent: The section Trouble Making Your Federal Student Loan Payments will provide the information on what to do if you are having trouble making your student loan payments.[NEWLINE][BOUNDARY][NEWLINE]user: I am having trouble making payments, what can I do? |
superseg_train_6473 | user: I'd like to know what I can expect from the person in charge of my Student Loan.[NEWLINE]agent: We can provide information about the role that student loan servicers play in the repayment process and which servicer handles your federal student loans.[NEWLINE][BOUNDARY][NEWLINE]user: How do I find out who my servicer is?[NEWLINE]agent: You can find that out by calling the Federal Student Aid Information Center FSAIC at 1-800-433-3243.[NEWLINE][BOUNDARY][NEWLINE]user: There is something else about Federal Student Loan, can you give me more information about the types of repayment plans available?[NEWLINE]agent: Actually, besides for paying off your loan, there is also a possibility of having your student loan forgiven as well.[NEWLINE][BOUNDARY][NEWLINE]user: Is there a grace period after graduation?[NEWLINE]agent: After you leave school or drop below half-time enrollment, you have a six-month grace period sometimes nine months for Perkins Loans before you must begin making payments.[NEWLINE][BOUNDARY][NEWLINE]user: Would that be when I would have to begin making payments?[NEWLINE]agent: Once you graduate, drop below half-time enrollment, or leave school, your federal student loan goes into repayment.[NEWLINE]agent: Is your loan a Direct Subsidized, Direct Unsubsidized, or Federal Family Education Loan?[NEWLINE]user: Yes, it is. |
superseg_train_6474 | user: hi could you tell me who is my student loan manager?[NEWLINE]agent: Of course Learn about the role student loan servicers play in the repayment process and which servicer handles your federal student loans[NEWLINE][BOUNDARY][NEWLINE]user: and how do I find out who my loan manager is?[NEWLINE]agent: very easy call the FSAIC Federal Student Aid Information Center at 1 - 800 - 433 - 3243.[NEWLINE][BOUNDARY][NEWLINE]user: I'd like to ask regarding student loan manager.[NEWLINE]agent: For most federal student loan types, after you graduate, leave school, or drop below half - time enrollment, you have a six - month grace period sometimes nine months for Perkins Loans before you must begin making payments. This grace period gives you time to get financially settled and to select your repayment plan. Not all federal student loans have a grace period. Note that for most loans, interest accrues during your grace period. You can choose to pay the interest that accrues during your grace period. This prevents that interest from being added to the principal balance also known as interest capitalization. How long do federal student loans have a grace period?[NEWLINE][BOUNDARY][NEWLINE]user: Do I really have a grace period of six month?[NEWLINE]agent: Yes, you have a six-month grace period before you have to start paying back your student loans and nine months if you have a Perkins Loan.[NEWLINE][BOUNDARY][NEWLINE]user: What loan servicers are used to make payments to?[NEWLINE]agent: The US Depatment of Education has many loan servicers that handle the billing and other services on loans for William D. Ford Federal Direct Loan and for loans that will made under FFEL and ED purchased.[NEWLINE]agent: Did you set up automatic monthly debit payments for your loan from your checking or savings?[NEWLINE]user: No, I have not set up automatic payments.[NEWLINE]agent: Do you send your payment by mail? |
superseg_train_6475 | user: Hello, I would like to know Who is my student loan administrator?[NEWLINE]agent: It is important to first know the role that student loan administrators play in the repayment process and which administrator handles your federal student loans.[NEWLINE][BOUNDARY][NEWLINE]user: What should I do when I receive the welcome letter from my new administrator?[NEWLINE]agent: You must do the following, do you want to know?[NEWLINE][BOUNDARY][NEWLINE]user: I need to know more about after graduation? What is the grace period for federal student loans?[NEWLINE]agent: For federal student loans the grace period is after you graduate, leave school, or drop below half-time, you would have a six month grace period and sometimes 9 months for Perkins Loans.[NEWLINE][BOUNDARY][NEWLINE]user: Do I really have a grace period of six month?[NEWLINE]agent: Yes, you have a six-month grace period before you have to start paying back your student loans and nine months if you have a Perkins Loan.[NEWLINE][BOUNDARY][NEWLINE]user: What loan servicers are used to make payments to?[NEWLINE]agent: The US Depatment of Education has many loan servicers that handle the billing and other services on loans for William D. Ford Federal Direct Loan and for loans that will made under FFEL and ED purchased.[NEWLINE]agent: Did you set up automatic monthly debit payments for your loan from your checking or savings?[NEWLINE]user: No, I have not set up automatic payments.[NEWLINE]agent: Do you send your payment by mail? |
superseg_train_6476 | user: Hello, I came here to learn more about my student loan servicer.[NEWLINE]agent: Then you're in the right place. Here you can learn about the role that student loan servicers play in the repayment process and which servicer handles your federal student loans.[NEWLINE][BOUNDARY][NEWLINE]user: If I contact you, can you tell my loan status?[NEWLINE]agent: Yes, we can tell you your loan status.[NEWLINE][BOUNDARY][NEWLINE]user: Understood, another question, could you give me more information about the types of payment plans that are available?[NEWLINE]agent: Actually, besides for paying off your loan, there is also a possibility of having your student loan forgiven as well.[NEWLINE][BOUNDARY][NEWLINE]user: Is there a grace period after graduation?[NEWLINE]agent: After you leave school or drop below half-time enrollment, you have a six-month grace period sometimes nine months for Perkins Loans before you must begin making payments.[NEWLINE][BOUNDARY][NEWLINE]user: Would that be when I would have to begin making payments?[NEWLINE]agent: Once you graduate, drop below half-time enrollment, or leave school, your federal student loan goes into repayment.[NEWLINE]agent: Is your loan a Direct Subsidized, Direct Unsubsidized, or Federal Family Education Loan?[NEWLINE]user: Yes, it is. |
superseg_train_6477 | user: Hello, I would like to know Who is my student loan administrator?[NEWLINE]agent: Of course, we can also help you learn about the role student loan administrators play in the repayment process and which administrator handles your federal student loans.[NEWLINE][BOUNDARY][NEWLINE]user: Who should I contact for information on loans?[NEWLINE]agent: Is your loan for the current or next school year?[NEWLINE]user: yes for the current school year[NEWLINE]agent: In that case contact your school's financial aid office directly for information on[NEWLINE][BOUNDARY][NEWLINE]user: Another question, these days a private company contacted me to ask me to pay the registration fees, is that normal?[NEWLINE]agent: in that case it is not us, you must withdraw it is a scam.[NEWLINE][BOUNDARY][NEWLINE]user: Ok thank you, I would also like to know about the problems when making the payment of my loan, where do I find information if it happens that I have problems paying my federal student loan?[NEWLINE]agent: The section Trouble Making Your Federal Student Loan Payments will provide the information on what to do if you are having trouble making your student loan payments.[NEWLINE][BOUNDARY][NEWLINE]user: I am having trouble making payments, what can I do? |
superseg_train_6478 | user: What can I learn about my student loan servicer?[NEWLINE]agent: You can learn about the student loan servicers and what role they play in the repayment process.[NEWLINE][BOUNDARY][NEWLINE]user: What will happen if my loan is transferred to another loan servicer?[NEWLINE]agent: You should receive an email or letter from your assigned servicer to tell you about the transfer.[NEWLINE][BOUNDARY][NEWLINE]user: What if I have FFEL Program loans that are not owned by ED?[NEWLINE]agent: Then you would need to contact your servicer for details about repayment options and tools.[NEWLINE][BOUNDARY][NEWLINE]user: What if my federal student loan was transferred from one servicer to a different one?[NEWLINE]agent: The transfer just means that a new servicer will provide the support you need to repay your loans; but is still owned by ED.[NEWLINE][BOUNDARY][NEWLINE]user: I have another concern about interest on federal student loans. What would I do if I'm having trouble making payments on my federal student loans?[NEWLINE]agent: The section Trouble Making Your Federal Student Loan Payments will provide the information on what to do if you are having trouble making your student loan payments.[NEWLINE][BOUNDARY][NEWLINE]user: I am having trouble making payments, what can I do? |
superseg_train_6479 | user: hi[NEWLINE]agent: For that kind of matters, you can use our information tools to determine which servicer handles your student loans.[NEWLINE][BOUNDARY][NEWLINE]user: O.k, but what if my student loans are from a servicer which is not with the Department of Education?[NEWLINE]agent: For those kind of loans, you'll have to contact the servicer itself to get any details about it and any other data related to repayment options and tools.[NEWLINE][BOUNDARY][NEWLINE]user: I'm still hoping to learn the status of my loan payment. What would I do if I'm having trouble making payments on my federal student loans?[NEWLINE]agent: The section Trouble Making Your Federal Student Loan Payments will provide the information on what to do if you are having trouble making your student loan payments.[NEWLINE][BOUNDARY][NEWLINE]user: I am having trouble making payments, what can I do? |
superseg_train_6480 | user: Hi, I need to know who my loan manager is, please.[NEWLINE]agent: This loan servicer is intended to manage your federal student loans[NEWLINE][BOUNDARY][NEWLINE]user: What requirements should be managed for non-ED loans?[NEWLINE]agent: FFEL Program loans are unrelated to others[NEWLINE]user: The FFEL Program loan is linked to ED[NEWLINE]agent: Your administrator must have all this information at hand[NEWLINE][BOUNDARY][NEWLINE]user: Those loans is for this or the other year?[NEWLINE]agent: Your school's financial aid office must have that information[NEWLINE][BOUNDARY][NEWLINE]user: That's great to hear! Another Trouble Making Your Federal Student Loan Payments related issue. What would I do if I'm having trouble making payments on my federal student loans?[NEWLINE]agent: The section Trouble Making Your Federal Student Loan Payments will provide the information on what to do if you are having trouble making your student loan payments.[NEWLINE][BOUNDARY][NEWLINE]user: I am having trouble making payments, what can I do? |
superseg_train_6481 | user: Hello, i'm about to start my loan repayment and was told about some counseling, Would you help me there, please?[NEWLINE]agent: O.k, lets check. You probably mean Exit Counseling. Are you familiarized with that figure?[NEWLINE]user: No, i'm afraid not.[NEWLINE][BOUNDARY][NEWLINE]agent: O.K. Do you even know if you are eligible to that option?[NEWLINE]user: Ah, yeah, yeah. That i read about it. I think it has to do with folks that have taken loans or something, right?[NEWLINE]agent: Well, yeah, kinda. It is meant for those students who have received a loan, under the subsidized, unsubsidized or plus options, but have graduated or leave school.[NEWLINE][BOUNDARY][NEWLINE]user: By the way, could you please give me more information about what is a TEACH Grant?[NEWLINE]agent: It's a program that provides funds to students who are completing or who plan to complete coursework that is required to begin a career in teaching, and agree to teach full time for at least four years at an elementary school, secondary school or educational service agency that serves students from low-income families and to meet other requirements[NEWLINE][BOUNDARY][NEWLINE]user: Who should complete this program?[NEWLINE]agent: Students who are receiving a TEACH Grant and who have completed TEACH Initial and Subsequent Counseling for the same Award Year[NEWLINE][BOUNDARY][NEWLINE]user: ow long will it take the ATS process? |
superseg_train_6482 | user: Hello, how you doing? Please i need some guidance about the exit counseling option, because i'm on a Federal Loan program.[NEWLINE]agent: Greetings. Lets see. Do you know anything about Exit Couseling?[NEWLINE]user: No, sorry, but i don't too much of it.[NEWLINE][BOUNDARY][NEWLINE]agent: But you are aware about who are supposed to go through it?[NEWLINE]user: Oh yeah, I was told that it goes for those who have a federal loan but has some kind of specifics conditions, is that right?[NEWLINE]agent: You're not mistaken. Effectively, Exit Counseling is reserved for those students who want to prepare themselves for repaying their loans, being these from federal programs. In any case, you must go through counseling each time you drop below half-time enrollment, you graduate or you leave the school.[NEWLINE][BOUNDARY][NEWLINE]user: Ah, so that is what entrance counseling is for. So, what if I'm completing entrance counseling to borrow a loan as an undergraduate student?[NEWLINE]agent: Then the entrance counseling will fulfill counseling requirements for Direct Subsidized Loans and Direct Unsubsidized Loans.[NEWLINE][BOUNDARY][NEWLINE]user: Makes sense. And how long is this supposed to take?[NEWLINE]agent: The entire counseling process must be completed in a single session. Most people complete counseling in 20 - 30 minutes.[NEWLINE][BOUNDARY][NEWLINE]user: I see, where can I find more information about that? |
superseg_train_6483 | user: What exactly is Exit Counseling?[NEWLINE]agent: Has someone explained to you what Exit Counseling is pertaining to your federal student loan?[NEWLINE]user: No one has explained to me what Exit Counseling is?[NEWLINE][BOUNDARY][NEWLINE]agent: Do you know that you are supposed to complete Exit Counseling because you have received a subsidized, unsubsidized or PLUS loan under the Direct Loan Program?[NEWLINE]user: No, I was never told about Exit Counseling and that I should complete it.[NEWLINE][BOUNDARY][NEWLINE]agent: Do you know how long it would take for the entire Exit Counseling session?[NEWLINE]user: No, I do not know how long the session would take.[NEWLINE][BOUNDARY][NEWLINE]agent: Do you know what you need to complete the session?[NEWLINE]user: Yes, I know I need my Verified FSA ID.[NEWLINE]agent: Yes, you are correct that you need a Verified FSA ID.[NEWLINE][BOUNDARY][NEWLINE]user: Who should complete the Exit Counseling? |
superseg_train_6484 | user: need exit counseling info[NEWLINE]agent: Would you like to know more about Exit Counseling?[NEWLINE]user: yes please[NEWLINE]agent: Exit counseling provides information to prepare you to repay your federal student loan.[NEWLINE]user: Do I need the counseling for any loan?[NEWLINE]agent: If you have received a subsidized, unsubsidized or PLUS loan under the Direct Loan Program or the FFEL Program, you must complete exit counseling when certain events occur.[NEWLINE][BOUNDARY][NEWLINE]user: Now, regarding FSA, what do I need in order to complete my position as a co-signer with the FSA?[NEWLINE]agent: Initially, you will need to be logged in with your own personal FSA ID in order to co-sign the applicant's IDR request[NEWLINE][BOUNDARY][NEWLINE]user: How long should it normally take to complete my role as a co-signer?[NEWLINE]agent: Your role is normally completed in one session, which most people manage to complete in 10 minutes[NEWLINE][BOUNDARY][NEWLINE]user: How does my spouse provide me with a co-sign code during the Income-Driven Repayment Plan Request? |
superseg_train_6485 | user: Can you please tell me about exit counseling?[NEWLINE]agent: Are you preparing to repay a federal student loan?[NEWLINE]user: I am indeed preparing to pay off my loan.[NEWLINE]agent: Exit counseling provides important information to prepare you to repay your federal student loan.[NEWLINE]agent: Have you received a subsidized, unsubsidized or PLUS loan under the Direct Loan Program or the FFEL Program?[NEWLINE]user: Yes, I have.[NEWLINE]agent: If you have received a subsidized, unsubsidized or PLUS loan under the Direct Loan Program or the FFEL Program you must complete the exit counseling.[NEWLINE][BOUNDARY][NEWLINE]user: How long does the counseling process take?[NEWLINE]agent: The entire counseling process must be completed in a single session and most people complete it in twenty to thirty minutes.[NEWLINE][BOUNDARY][NEWLINE]user: Do I need anything with me in order to complete the counseling?[NEWLINE]agent: You will need your verified FSA ID.[NEWLINE][BOUNDARY][NEWLINE]user: Who should complete this exit counseling? |
superseg_train_6486 | user: I've heard about exit counseling and I came here wanting to know what exactly that is and how it works. Can you please tell me more about it?[NEWLINE]agent: Of course. Are you wondering what exit counseling is?[NEWLINE]user: Yes, like I mentioned above.[NEWLINE]agent: Well, exit counseling provides important information to prepare you to repay your federal student loan.[NEWLINE]user: What if I have received a PLUS loan under the Direct Loan Program?[NEWLINE]agent: In that case you must complete exit counseling each time you drop below half-time enrollment, graduate or leave the school.[NEWLINE][BOUNDARY][NEWLINE]user: I have another question about exit counseling. O.k, I guess that takes a lot of sessions, right? I mean, is it made over many days?[NEWLINE]agent: Nothing like that. Counseling for this program is quite simple, so it won't take more than 20 or 30 minutes.[NEWLINE][BOUNDARY][NEWLINE]user: Really? Wow, that's a relief. Don't get me wrong, but sometimes these things takes way too long. Anyway, another question. In something called Agreement to Serve, Who must do that?[NEWLINE]agent: Well, that would be for those students who are receiving a TEACH Grant, and passed their TEACH Initial and Subsequent Counseling for the same Award Year.[NEWLINE][BOUNDARY][NEWLINE]user: Oh right, Seem kinda obvious. Lastly, going back to the TEACH counselling, What do need to access that? |
superseg_train_6487 | user: Why do I need exit counseling when dealing with federal student aid?[NEWLINE]agent: Do you know what Exit Counseling is?[NEWLINE]user: Actually, I do not know exactly what it is.[NEWLINE][BOUNDARY][NEWLINE]agent: Do you know who should complete the exit counseling?[NEWLINE]user: Yes, I know I am supposed to complete it but not why.[NEWLINE]agent: It is a step required for students who leave school, graduate, or fall below half-time student for PLUS loan, subsidized or unsubsidized loan under the Direct Loan Program or the FFEL Program.[NEWLINE][BOUNDARY][NEWLINE]user: What information does exit counseling provide?[NEWLINE]agent: Exit counseling gives important information that helps you prepare to repay your federal student loan.[NEWLINE]user: Alright. I'd also like to know about FFEL Program. And what should I do to receive a Direct PLUS Loan?[NEWLINE]agent: Before you can receive a Direct PLUS Loan, you must complete a Direct PLUS Master Promissory Direct PLUS Loan MPN promissory note, which explains all the terms and conditions of Direct PLUS loans and constitutes your legally binding agreement to pay all Direct PLUS loans that receive under the Direct PLUS MPN loan[NEWLINE][BOUNDARY][NEWLINE]user: And how do I apply for a PLUS loan? |
superseg_train_6488 | user: exit counseling info[NEWLINE]agent: Did you want to know what Exit Counseling is?[NEWLINE]user: yes[NEWLINE]agent: Exit counseling provides important information to prepare you to repay your federal student loan[NEWLINE]agent: Have you received a subsidized, unsubsidized or PLUS loan under the Direct Loan Program or the FFEL Program?[NEWLINE]user: no, just wanted to be prepared[NEWLINE][BOUNDARY][NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: what will I need to have to do this counseling?[NEWLINE]agent: You will need a verified FSA ID[NEWLINE][BOUNDARY][NEWLINE]user: Are you familiar with the term "co-signer"? What if I don't have access to a reference number or a code for co-signing?[NEWLINE]agent: Then you should contact the IDR applicant because an email was sent to them containing the reference number or co-sign code.[NEWLINE]user: I do not know where the reference number or co-sign code is, how can i get it? |
superseg_train_6489 | user: I need some information about the Graduated Repayment Plan.[NEWLINE]agent: I can assist you with that. The Graduated Repayment Plan allows you to start your loan with smaller payments that will increase every two years. You will make these payments for up to 10 years, depending on the amount of your loan.[NEWLINE]agent: Are you considered low income right now, but expect your income to increase over time?[NEWLINE]user: No, I'm not considered low income.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: Do the payments differ for someone with a direct consolidation loan?[NEWLINE]agent: Yes. The length of your repayment period will depend on the amount of your total education loan debt.[NEWLINE][BOUNDARY][NEWLINE]user: for Federal Loans That Are Eligible What about direct loans that are subsidized?[NEWLINE]agent: Yes, they are eligible[NEWLINE][BOUNDARY][NEWLINE]user: how do I report school loans I want taken into consideration when my repayment period is worked out for a direct consolidation loan?[NEWLINE]agent: You need to list those loans on your consolidation application in the section for listing loans that you do not want to consolidate, but want to be considered in the determination of your repayment period.[NEWLINE]user: what kind of loans can I list on there? |
superseg_train_6490 | user: I heard about a repayment plan which isn't all at once and would like information.[NEWLINE]agent: Yes the Graduated Repayment Plan starts with lower payments that increase every two years, and payments are made for up to 10 years between 10 and 30 years for consolidation loans.[NEWLINE]agent: Are you in a low paying job?[NEWLINE]user: Yes and I was worried about being hampered by huge debt repayment.[NEWLINE]agent: Well if your income is low now but you expect it to increase steadily over time, this plan may be right for you.[NEWLINE]user: May I ask another question about the life plan's interest? And how much would it cost me?[NEWLINE]agent: you will pay the least amount of interest over the life of your plan.[NEWLINE][BOUNDARY][NEWLINE]user: Good to know. Do you know this plan? Are all federal student aid eligible for this graduate rebate?[NEWLINE]agent: A list of loans from the William D. Ford Federal Direct Loan Program and the Federal Family Education Loan FFEL Program which are eligible for the Graduated Repayment Plan can be found here.[NEWLINE]user: I'm looking for information on FFEL PLUS Loans. Are there any other types of loans that are available for this program?[NEWLINE]agent: FFEL Consolidation Loans are also eligible for the Income-Sensitive Repayment Plan.[NEWLINE]user: another question about Eligible Federal Loans. Does the list include the Direct Subsidized Loans?[NEWLINE]agent: Yes it is eligible.[NEWLINE][BOUNDARY][NEWLINE]user: How often must I make a payment my loan?[NEWLINE]agent: You must make monthly payments.[NEWLINE][BOUNDARY][NEWLINE]user: Are there criteria for the amount that I must pay? |
superseg_train_6491 | user: Hello, I would like to obtain information about The Graduate Payment Plan[NEWLINE]agent: Payments are made for up to 10 years between 10 and 30 years for consolidation loans.[NEWLINE]agent: Are your income low now?[NEWLINE]user: yes[NEWLINE]agent: If your income is low now, but you expect it to increase steadily over time, this plan may be right for you.[NEWLINE][BOUNDARY][NEWLINE]user: good to know, but does this plan apply to all loans?[NEWLINE]agent: Yes, it is, except for the direct consolidation loans and feel consolidation loans.[NEWLINE][BOUNDARY][NEWLINE]user: I'm also interested in learning more about Eligible Federal Loans. What kinds of loans am I eligible for?[NEWLINE]agent: The following loans from the William D. Ford Federal Direct Loan Direct Program and the FFEL Federal Family Education Loan Program are eligible for the Graduated Repayment Plan:[NEWLINE][BOUNDARY][NEWLINE]user: So, What if I have an income that is not taxed or do not have an income at all?[NEWLINE]agent: You would have to mark it the online application or paper application and you are not required to supply further documentation.[NEWLINE][BOUNDARY][NEWLINE]user: I'd like to ask you another question about the Graduated Repayment Plan. What kinds of loans am I eligible for?[NEWLINE]agent: The following loans from the William D. Ford Federal Direct Loan, Direct Loan Program, and the Federal Family Education Loan FFEL Program are eligible for the Graduated Repayment Plan: Direct Subsidized Loans, Direct Unsubsidized Loans, Direct PLUS Loans, Direct Consolidation Loans, Subsidized Federal Stafford Loans, Unsubsidized Federal Stafford Loans, FFEL PLUS Loans, and FFEL Consolidation Loans.[NEWLINE]user: What programs are eligible for the Graduate Payment Plan?[NEWLINE]agent: William D. Ford Federal Direct Loan Direct Program and Federal Family Education Loan Program FFEL[NEWLINE][BOUNDARY][NEWLINE]user: And what about the monthly payments for consolidation loans? |
superseg_train_6492 | user: Hello, I would like to know what the Graduate Payment Plan is like[NEWLINE]agent: Of course Payments are made for up to 10 years between 10 and 30 years for consolidation loans[NEWLINE]agent: Your income is low now, but do you expect it to increase steadily over time?[NEWLINE]user: no[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: and how are the monthly payments in this plan?[NEWLINE]agent: Under this plan, your monthly payments start low and increase every two years[NEWLINE][BOUNDARY][NEWLINE]user: another question for you regardingE l g b.Btw, for XXXX. what about direct subsidized loans?[NEWLINE]agent: Yes, they are eligible[NEWLINE][BOUNDARY][NEWLINE]user: how do I report school loans I want taken into consideration when my repayment period is worked out for a direct consolidation loan?[NEWLINE]agent: You need to list those loans on your consolidation application in the section for listing loans that you do not want to consolidate, but want to be considered in the determination of your repayment period.[NEWLINE]user: what kind of loans can I list on there? |
superseg_train_6493 | user: I need some information about the Graduated Repayment Plan.[NEWLINE]agent: Allow me to assist you with that. Under the Graduated Repayment Plan, payments start low and increase every two years. These payments will be made for up to 10 years.[NEWLINE]agent: Are you considered low income, but expect your income to increase over time?[NEWLINE]user: Yes. I'll be making more money later on.[NEWLINE]agent: Great. This plan could be right for you.[NEWLINE][BOUNDARY][NEWLINE]user: Do you also know about on how my monthly payments will be if I have a Direct Consolidated Loan or FFEL Consolidated Loan?[NEWLINE]agent: In this instance, the length of the repayment period will depend on the amount of borrowing that is outstanding, known as your total education loan indebtedness, this debt includes any student loan debt you may have that is joined to your consolidation loan[NEWLINE][BOUNDARY][NEWLINE]user: Are FFEL Consolidation Loans eligible for this plan?[NEWLINE]agent: Yes, they are.[NEWLINE][BOUNDARY][NEWLINE]user: Another question, what consequences can I have if I do not recertify my family size and income before the annual deadline?[NEWLINE]agent: In this instance, any unpaid interest will be capitalized added to the principal balance of your loans. This will increase the total cost of your loans over time, because you will then pay interest on the increased loan principal balance[NEWLINE][BOUNDARY][NEWLINE]user: Can I ask something else? with respect to the Federal Loan. What other loans are eligible?[NEWLINE]agent: Most loans from the William D. Ford Federal Direct Loan Program and the FFEL Program are eligible for this plan.[NEWLINE][BOUNDARY][NEWLINE]user: Can I use the loan simulator to estimate my payments under the Graduated Repayment Plan?[NEWLINE]agent: Absolutely. We recommend that you use our loan simulator before you contact your loan servicer.[NEWLINE][BOUNDARY][NEWLINE]user: How will my payments differ with a FFEL Consolidation Loan? |
superseg_train_6494 | user: Please, tell me about the Graduated Repayment Plan[NEWLINE]agent: Sure. Payments are made for up to 10 years between 10 and 30 years for consolidation loans[NEWLINE]agent: Do you hope to constantly increase your income over time?[NEWLINE]user: Yes, I hope that[NEWLINE]agent: Ok, check this plan, maybe is good for you[NEWLINE][BOUNDARY][NEWLINE]user: Are you aware of the Sensitive Repayment Plan? Are you aware of the FFEL Program Loans that are available?[NEWLINE]agent: The subsidized and unsubsidized Federal Stafford Loans, FFEL PLUS loans, and FFEL Consolidation Loans are all available for Income-Sensitive Repayment Plan.[NEWLINE]user: I just remember asking about the percentages are large?. What loans are eligible for the Graduated Payment Plan?[NEWLINE]agent: Check the list below[NEWLINE][BOUNDARY][NEWLINE]user: Also, for DEL PLUS loans. And where do I get more information?[NEWLINE]agent: Paying off your loans Provides information on federal student loan repayment plan options, finds loan history and loan managers, and makes payments[NEWLINE][BOUNDARY][NEWLINE]user: There's one more thing about Graduated Repayment Plan. Can you tell me what the monthly payments are for Federal Education Loans, except Consolidation Loans?[NEWLINE]agent: Null[NEWLINE][BOUNDARY][NEWLINE]user: How can I include other student loan debts in determining the repayment period of my Direct Consolidation Loan?[NEWLINE]agent: You need to be sure to list those loans on your consolidation application in the section for listing loans that you do not want to consolidate, but want considered in the determination of your repayment period[NEWLINE][BOUNDARY][NEWLINE]user: How can I use the Loan Simulator to Estimate my Eligibility and Payment Amount Under the Graduated Repayment Plan? |
superseg_train_6495 | user: I heard my payments on a graduated repayment plan will go higher so I wanted to know when that will happen[NEWLINE]agent: Payments will increase every two years[NEWLINE]agent: Do you expect your income to increase steadily over time?[NEWLINE]user: no, not the way things are in the economy today[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: how much can the payments increase?[NEWLINE]agent: They won't be more than three times greater than any other payment[NEWLINE][BOUNDARY][NEWLINE]user: How can I maximize the use of my AGI?[NEWLINE]agent: Your AGI will be used if you filed a federal tax return in the past two years[NEWLINE]user: yes[NEWLINE]agent: Is your current income not significantly different from the income reported on your most recent federal tax return?[NEWLINE]user: yes[NEWLINE]agent: In that case This may be your adjusted adjusted gross income or alternative income documentation.[NEWLINE][BOUNDARY][NEWLINE]user: and where do I get more information? |
superseg_train_6496 | user: I need some info about the graduated repayment plan[NEWLINE]agent: Sure. In this plan, payments are made for up to 10 years between 10 and 30 years for consolidation loans.[NEWLINE]user: What if my income is very low now?[NEWLINE]agent: Don't worry, this plan is good for you[NEWLINE][BOUNDARY][NEWLINE]user: I have another concern about the eligibility of loans. What loans aren't covered by the Income-Sensitive Repayment Plan?[NEWLINE]agent: A William D. Ford Federal Direct Loan is not eligible for the repayment plan.[NEWLINE][BOUNDARY][NEWLINE]user: What about Subsidized Federal Stafford Loans?[NEWLINE]agent: Yes these loans are also eligible.[NEWLINE]user: What other loans are eligible for this program? |
superseg_train_6497 | user: Hello, I would like you to help me choose the direct loan MPN[NEWLINE]agent: are you an undergraduate student?[NEWLINE]user: yes[NEWLINE]agent: in that case Use this MPN for Direct Subsidized Loans or Unsubsidized Direct Loans available to eligible undergraduate students.[NEWLINE][BOUNDARY][NEWLINE]user: okay. and after logging in what should I do?[NEWLINE]agent: you must click on View demo[NEWLINE][BOUNDARY][NEWLINE]user: okay. And could you tell me what a Master Note (MPN) is?[NEWLINE]agent: The Master Promissory Note MPN is a legal document that promises to pay your loan and accrued interest and fees to the US Department of Education.[NEWLINE]user: What is the initial fund for this type of program?[NEWLINE]user: One last thing, regarding reviews of the external service providers program, is the US department of education supervising these providers?[NEWLINE]agent: How does the US Department of Education relate to program plans?[NEWLINE]user: And how is it related to the institution? |
superseg_train_6498 | user: Where do I get started to learn more about the loan master promissory note[NEWLINE]agent: Are you an undergraduate student?[NEWLINE]user: yes[NEWLINE]agent: You would select the option for MPN for Direct Subsidized Loans or Direct Unsubsidized Loans available to eligible undergraduate students[NEWLINE]user: what kind of info will it have?[NEWLINE]agent: You can view a demonstration to help you out[NEWLINE][BOUNDARY][NEWLINE]user: very well. now for the option for MPN. What kinds of things does title iv do?[NEWLINE]agent: The Title IV regulations authorize the U.S. Department of Education to provide oversight of third-party servicers.[NEWLINE]user: what is something that is done during reviews?[NEWLINE]agent: Reviewers will evaluate the third-party servicers’ and schools’ compliance with FSA requirements, assess liabilities for errors in performance, and identify actions the third-party servicers and their partner schools must take to improve future administrative capabilities.[NEWLINE]user: who can be a third party servicer? |
superseg_train_6499 | user: Hello, I would like you to help me choose the direct loan MPN[NEWLINE]agent: are you an undergraduate student?[NEWLINE]user: no[NEWLINE][BOUNDARY][NEWLINE]agent: Are you a graduate / professional student?[NEWLINE]user: yes[NEWLINE]agent: Find and use the MPN you need as a graduate or professional degree student to obtain federal student loans. Graduate / professional students may be eligible for unsubsidized direct loans, direct PLUS loans, or both. You must complete an MPN for each type of loan you want to receive.[NEWLINE]user: Also, I need to find out information on Master Promissory Note (MPN) for Direct PLUS Loans. As a graduate/professional student is it necessary to complete the MPN?[NEWLINE][BOUNDARY][NEWLINE]agent: If you are applying for Direct Unsubsidized Loan or a Direct PLUS Loan you should complete the MPN. Are you applying for one of these loans?[NEWLINE]user: No I am not applying at this stage.[NEWLINE][BOUNDARY][NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: When I am ready to apply what do I need to complete the application? |
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