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superseg_train_6600 | user: Hey, finally can talk with you. I need some information about some financial aid, but for studies abroad, Can you guide me there?[NEWLINE]agent: With pleasure. Federal Aid for students who are planning to study abroad partially or for the total career is available from Federal Programs, so they can pay their expenses.[NEWLINE][BOUNDARY][NEWLINE]user: That's great. I was told that could get that help and even went to an international student's office but i don't know where else to look for more information so, where do i find more about it?[NEWLINE]agent: You can always resort to our toll free numbers at 1-800-4-FED-AID or 1-800-433-3243 to get help for filling your FAFSA form.[NEWLINE][BOUNDARY][NEWLINE]user: Right, i guess any helps isn't that bad. Say, how much can i hope to get in financial aid?[NEWLINE]agent: You can get aid that goes from $5,000 up to $20,500. That is for Direct Subsidized Loans, plus Direct Unsubsidized Loans.[NEWLINE]agent: The can be affected for various factors so, Are you a dependent student?[NEWLINE]user: No, i'm independent.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: O.k, Thinking on another thing, how can i know what to expect in requirements for a school i like?[NEWLINE]agent: That should be available on the school's website. You go online and check it out so you can get an idea about their plans and opportunities.[NEWLINE]user: I suppose that documentation is a must in these cases, like visas, for example? |
superseg_train_6601 | user: Good evening, i'm searching for information about getting funds to study abroad. Could you lend me a hand oh this?[NEWLINE]agent: Absolutely, this is the right place. If you're planning to study abroad or just passing one semester, be aware you can receive federal aid.[NEWLINE][BOUNDARY][NEWLINE]user: Alright, then. And what kind of help can i get?[NEWLINE]agent: You can get funds form the William D. Ford Federal Direct Loan Program. You would need to check out if your desired school has participation on that program.[NEWLINE][BOUNDARY][NEWLINE]user: That help could be affected or vary depending on what I study or what?[NEWLINE]agent: No. Mostly, would be affected by your status as undergraduate or graduate student. In that regard, behavior is very like in the U.S.[NEWLINE][BOUNDARY][NEWLINE]user: O.k, I think i get it. Well, lets say i made my mind and go for an international school. What can you 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_6602 | user: I was wondering if I could get student aid when studying abroad. Can you please give me some advice?[NEWLINE]agent: Of course. Whether you plan to study abroad for a semester or get your entire degree outside the United States, you may be able to use federal student aid to pay your expenses.[NEWLINE]user: So even if I study outside the U.S. I can get student aid?[NEWLINE]agent: Yes, that's correct.[NEWLINE][BOUNDARY][NEWLINE]user: That's great! What should I do if I plan to get a degree from an international school?[NEWLINE]agent: Have you decided to get your degree from a school outside the U.S.?[NEWLINE]user: Yes, I want to study abroad.[NEWLINE]agent: Congratulations. Now let us help you find out which international schools participate in the federal student aid programs and guide you through the process of getting federal aid to make a dent in that tuition bill.[NEWLINE][BOUNDARY][NEWLINE]user: I see. When and how do I repay the loan?[NEWLINE]agent: That depends on whether it s a subsidized or unsubsidized loan versus a PLUS loan. Repayment of a loan used to pay for international study works the same way as repayment of a loan used to pay for an American school. Get information about repaying federal student loans.[NEWLINE][BOUNDARY][NEWLINE]user: How can I research schools and their requirements? |
superseg_train_6603 | user: Is it possible for me to get federal student aid if I am studying through an international shcool?[NEWLINE]agent: Yes you may be able to use federal student aid to pay your expenses at an international school.[NEWLINE]user: Can aid be used for just a semester or do you have to do your entire degree with an international school to qualify for aid?[NEWLINE]agent: You can study abroad for just a semester or get your entire degree outside the United States with the help of federal student aid.[NEWLINE][BOUNDARY][NEWLINE]user: Do all international schools participate in the federal student aid programs?[NEWLINE]agent: Have you decided to get your degree from a school outside the U.S.?[NEWLINE]user: Yes I have.[NEWLINE]agent: That is great, congratulations. Now let us help you find out which international schools participate in the federal student aid programs and guide you through the process of getting federal aid to help pay for your tuition.[NEWLINE][BOUNDARY][NEWLINE]user: Is it possible to get help researching schools and their requirements?[NEWLINE]agent: Yes we can help you with the process of researching international schools and their requirements.[NEWLINE]user: How long will it take to get financial aid for studying abroad? |
superseg_train_6604 | user: Hi, could you give me more information on financial aid that is available for international study please?[NEWLINE]agent: You may be able to get federal student aid to pay for your costs whether you plan to study for a short period like one semester or for as long as your entire degree[NEWLINE][BOUNDARY][NEWLINE]user: Is there a personal to-do- list that I would need to complete if studying internationally?[NEWLINE]agent: Along with a few other things, you would need to ensure that you have medical insurance in place before you go[NEWLINE][BOUNDARY][NEWLINE]user: Are there separate rules for getting aid if I am studying abroad for just one semester?[NEWLINE]agent: You may receive aid for one semester abroad but you have to meet the eligibility requirements[NEWLINE]agent: Do you normally complete a Free Application for Federal Student Aid FAFSA each year for college?[NEWLINE]user: Yes, I normally do[NEWLINE]agent: In that case, you will be familiar with the FAFSA process, which is needed for aid for study abroad[NEWLINE][BOUNDARY][NEWLINE]user: Will I need a valid passport for studying abroad?[NEWLINE]agent: Yes you will, and medical insurance will be another important essential element of your study abroad[NEWLINE]user: Aare there housing forms that I would need to complete if studying abroad? |
superseg_train_6605 | user: Hello, do I need information related to the federal aid program?[NEWLINE]agent: In important highlight that federal student aid to pay your expenses.[NEWLINE][BOUNDARY][NEWLINE]user: What is the form of housing?[NEWLINE]agent: Are you interested in life insurance?[NEWLINE][BOUNDARY][NEWLINE]user: I wonder what kind of help can I ask for help?[NEWLINE]agent: You can get that information at the institution.[NEWLINE][BOUNDARY][NEWLINE]user: What student aid can you request for international studies?[NEWLINE]agent: Many international schools are offering help to students.[NEWLINE][BOUNDARY][NEWLINE]user: If you give me the help, what is the payment system?[NEWLINE]agent: The process involves electronically transmitting from the United States Treasury to the designated bank of the international school.[NEWLINE]agent: Also, if there is money left it is transferred to your account.[NEWLINE]user: What does this procedure consist of? |
superseg_train_6606 | user: Hey, I need some help with my direct plus loan application. Can you answer some questions for me?[NEWLINE]agent: Of course. Direct PLUS Loan Application for Graduate/Professional StudentsWilliam D. Ford Federal Direct Loan ProgramFederal Direct PLUS Loan Request for Supplemental Information?[NEWLINE]user: No, sorry.[NEWLINE][BOUNDARY][NEWLINE]agent: Direct PLUS Loan Application for ParentsWilliam D. Ford Federal Direct Loan ProgramFederal Direct PLUS Loan Request for Supplemental Information?[NEWLINE]user: Yes, that applies.[NEWLINE]agent: Then you should know that parents must be logged in using their own...[NEWLINE]agent: Do you have questions regarding your loan eligibility, the next steps in the processing of your loan, when the loan will be disbursed paid out, or no longer wish to receive the loan?[NEWLINE]user: Yes, I do have plenty questions about that.[NEWLINE]agent: In that case you should contact your school's financial aid office.[NEWLINE][BOUNDARY][NEWLINE]user: Where will my information go once all of the application is filled out?[NEWLINE]agent: The information that you provide will be sent to the school that you select. The school you select will use the information collected to determine your eligibility for a Direct PLUS Loan and process your application.[NEWLINE]user: What is a William D. Ford Federal Direct Loan Program Federal Direct PLUS Loan Request for Supplemental Information? |
superseg_train_6607 | user: I need to know a few things about my direct plus loan application.[NEWLINE]agent: Do you have a Direct PLUS Loan Application for Graduate/Professional StudentsWilliam D. Ford Federal Direct Loan ProgramFederal Direct PLUS Loan Request for Supplemental Information?[NEWLINE]user: No, I don't.[NEWLINE][BOUNDARY][NEWLINE]agent: Do you have a Direct PLUS Loan Application for ParentsWilliam D. Ford Federal Direct Loan ProgramFederal Direct PLUS Loan Request for Supplemental Information?[NEWLINE]user: Yes, I actually do.[NEWLINE]agent: In that case, parents must be logged in using their own.[NEWLINE]agent: Do you have questions regarding your loan eligibility, the next steps in the processing of your loan, when the loan will be disbursed paid out, or no longer wish to receive the loan?[NEWLINE]user: Yes, I have many questions.[NEWLINE]agent: Then you should contact your school's financial aid office.[NEWLINE][BOUNDARY][NEWLINE]user: What does the direct plus loan request let me do as a parent borrower?[NEWLINE]agent: You can request an additional deferment for 6 months after the student ceases to be enrolled at least half time, for example.[NEWLINE]user: Makes sense. What happens to my information once I submitted my application? |
superseg_train_6608 | user: What types of Direct PLUS Loan Application should I complete?[NEWLINE]agent: Do you know which type of Direct Plus Loan you are trying for?[NEWLINE]user: I am not even sure which one I should chose?[NEWLINE][BOUNDARY][NEWLINE]agent: Do you want a Direct PLUS loan application for Parents?[NEWLINE]user: Yes, that is the Direct Plus Loan for Parents.[NEWLINE]agent: Parents must be logged into using their own account.[NEWLINE]user: What if I have questions regarding my loan eligibility and about the next steps in the processing of my loan?[NEWLINE]agent: You should definitely get in contact with your school's financial aid office and they will help you with any questions.[NEWLINE][BOUNDARY][NEWLINE]user: Do I need to complete a Direct PLUS Loan Master Promissory Note?[NEWLINE]agent: Yes, you must complete a Direct Loan Master Promissory Note before you can receive a Direct PLUS Loan because it explains all the terms and conditions your your loan and is the legal binding agreement to repay the loan.[NEWLINE]user: What does the Direct PLUS Loan request allow me to do? |
superseg_train_6609 | user: Hi there. I would like to get some information related to the direct plus loan program.[NEWLINE]agent: Sure. Are you interested into apply for this program?[NEWLINE]user: Yes, I would like to request this program.[NEWLINE]agent: Sure, there is no problem. You need to loggin into the system.[NEWLINE][BOUNDARY][NEWLINE]user: Is this managed by me or by the school I go?[NEWLINE]agent: Yes, it can be managed by the school, but it needs your personal authorization, but this is not mandatory.[NEWLINE]user: Apply for this kind of loan is about just to make the request and no more?[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_6610 | user: sdfsdf[NEWLINE]agent: Are you interested into apply for this program?[NEWLINE]user: Yes, if this is a good thing for me, I would love to.[NEWLINE]agent: Great this will depend of if you are a student or not, and if are a student you will need to log in into a account just for students.[NEWLINE][BOUNDARY][NEWLINE]user: I see. But there is also a loan program which is for parent, I mean through it the parents can manage some of the loans?[NEWLINE]agent: Yes, there is. It's the same program, but brings the parents an account for their involvement.[NEWLINE]agent: Do you have any more questions?[NEWLINE]user: I still have some doubts, but not about what we were talking about.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: I can give authorization to other people to manage this loans in case I can do it by myself?[NEWLINE]agent: Yes,, you can authorize your school to help you with the management.[NEWLINE]user: So, this is not mandatory? |
superseg_train_6611 | user: Where do I go if I am looking for more information on the Direct PLUS loan Request relating to the William D. Ford Federal Direct Loan Program?[NEWLINE]agent: It's a request for more information in connection with an application that has been made for a Direct PLUS Loan through the William D. Ford Federal Direct Loan Program. Schools may differ in the way that they provide further information to their applicants in relation to these loans[NEWLINE]agent: Are you applying for a borrowing as a parent?[NEWLINE]user: Yes, I am indeed[NEWLINE]agent: In this case, the Direct PLUS Loan Request allows some further concessions which I can go through with you if you would like?[NEWLINE]user: What is the next step after I request supplemental information about the Direct PLUS Loan through the William D. Ford Federal Direct Loan Program?[NEWLINE]agent: Any information that you give us will be sent to the relevant school. The school will then use this information to determine your eligibility for a Direct PLUS Loan and will process your application for same[NEWLINE][BOUNDARY][NEWLINE]user: Where can I find out more about Direct PLUS Loan Applications for Graduate/Professional Students through the William D. Ford Federal Direct Loan Program?[NEWLINE]agent: Firstly, you must be logged into the system under your own personal log in credentials[NEWLINE][BOUNDARY][NEWLINE]user: Are there any special features associated with the Direct PLUS Loan Request?[NEWLINE]agent: Yes, there are. This request allows you, the applicant, to authorize your school to use your loan funds to satisfy other educationally related charges, apart from tuition and fees and room and board. You are not required to provide this authorization[NEWLINE][BOUNDARY][NEWLINE]user: Is there any information available to parents regarding the Direct PLUS Loan Request through the William D. Ford Federal Direct Loan Program? |
superseg_train_6612 | user: I have questions about the William D. Ford Federal DIrect Loan Program.[NEWLINE]agent: You can request supplemental information in connection with your William D. Ford Federal Direct PLUS Loan application. However, the process for receiving this information may differ depending on the school.[NEWLINE]agent: Are you a parent borrower?[NEWLINE]user: No. I'm the student.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: How do I complete a Direct PLUS Loan Application?[NEWLINE][BOUNDARY][NEWLINE]agent: Are you seeking a Direct PLUS Loan Application for Graduate/Professional Students under the William D. Ford Federal Direct Loan Program Request for supplemental information?[NEWLINE]user: No.[NEWLINE][BOUNDARY][NEWLINE]agent: Are you seeking the request application for parents?[NEWLINE]user: Yes, my Mom needs to complete this.[NEWLINE]agent: Okay. Please advise your parent that they must be logged in to their own account to complete this application.[NEWLINE]agent: Do you have any questions about loan eligibility?[NEWLINE]user: Yes. I need clarification on what loans I'm eligible for. |
superseg_train_6613 | user: What type of Direct PLUS Loan application should I complete?[NEWLINE]agent: Do you have a Direct PLUS Loan application for Graduate/Professional Students William D. Ford Federal Direct Loan Program loan request for supplemental information?[NEWLINE]user: No I do not have this application.[NEWLINE][BOUNDARY][NEWLINE]agent: Do you have a Direct PLUS Loan application for Parents William D. Ford Federal Direct Loan Program loan request for supplemental information?[NEWLINE]user: No I do not have this application for supplemental information.[NEWLINE][BOUNDARY][NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: What does the Direct PLUS Loan Request allow me to do?[NEWLINE]agent: The Direct PLUS Loan Request allows you to authorize the school to use your loan funds to for other educationally related charges after all the tuition and fees and room and board have been paid.[NEWLINE]user: What is the William D. Ford Federal Direct Loan Program request for supplemental information used for?[NEWLINE]agent: It is a request for supplemental info connected to your application for Federal Direct PLUS Loan Direct PLUS Loan through the William D. Ford Federal Direct Loan Program.[NEWLINE]user: What must I do before I receive my Direct PLUS Loan? |
superseg_train_6614 | user: Do I need to choose what type of Direct PLUS Loan application I would like to complete?[NEWLINE]agent: Are you applying for a Direct PLUS Loan for sstudents?[NEWLINE]user: No I am not.[NEWLINE][BOUNDARY][NEWLINE]agent: Do you need an application for Direct PLUS Loan Application for parents?[NEWLINE]user: Yes, I need one for parents.[NEWLINE]agent: Parents would need to logged in using their own account.[NEWLINE]agent: Do you have any questions about loan eligibility, the next steps, or when loan will be dispursed?[NEWLINE]user: Yes, I have some questions.[NEWLINE]agent: Then you should contact the financial aid office of your attending school.[NEWLINE][BOUNDARY][NEWLINE]user: What happens if I set a security freeze on my credit file?[NEWLINE]agent: You would have to lift or remove the freeze at each credit bureau before you are allowed to continue with the application.[NEWLINE][BOUNDARY][NEWLINE]user: I would like to learn more where do I look or contact? |
superseg_train_6615 | user: Hello i would like to get information about Master Promissory Note (MPN) for graduate students[NEWLINE]agent: The MPN is a legal document that promises to pay your loan and accrued interest and fees to the US Department of Education, it also explains the terms and conditions of your loan. Graduate / professional students may be eligible for both unsubsidized direct loans and direct PLUS loans, which have different MPNs.[NEWLINE][BOUNDARY][NEWLINE]user: What I need?[NEWLINE]agent: first thing is verified username and password FSA ID[NEWLINE][BOUNDARY][NEWLINE]user: and can you receive more than one loan?[NEWLINE]agent: You can receive more than one loan under an MPN over a period of up to 10 years to pay your educational costs, as long as the school is authorized to use the MPN in this way and decides to do so.[NEWLINE][BOUNDARY][NEWLINE]user: and for unsubsidized loans?[NEWLINE]agent: Use this MPN for unsubsidized direct loans available to eligible graduate / professional students. You may also need to complete an MPN for Direct PLUS loans.[NEWLINE][BOUNDARY][NEWLINE]user: And what do I use for direct PLUS loans?[NEWLINE]agent: Use this MPN for direct PLUS loans available to eligible graduate / professional students. You may also need to complete an MPN for unsubsidized direct loans.[NEWLINE][BOUNDARY][NEWLINE]user: Who should complete this?[NEWLINE][BOUNDARY][NEWLINE]agent: Do you want to do it in just 30 minutes? |
superseg_train_6616 | user: Hello i would like to get information about Master Promissory Note (MPN) for graduate students[NEWLINE]agent: The MPN is a legal document that promises to pay your loan and accrued interest and fees to the US Department of Education, it also explains the terms and conditions of your loan. Graduate / professional students may be eligible for both unsubsidized direct loans and direct PLUS loans, which have different MPNs.[NEWLINE][BOUNDARY][NEWLINE]user: And what should I use for direct PLUS loans?[NEWLINE]agent: Use this MPN for direct PLUS loans available to eligible graduate / professional students. You may also need to complete an MPN for unsubsidized direct loans.[NEWLINE][BOUNDARY][NEWLINE]agent: and you know who should complete this?[NEWLINE]user: no[NEWLINE][BOUNDARY][NEWLINE]agent: want to know how long will it take?[NEWLINE]user: yes[NEWLINE][BOUNDARY][NEWLINE]user: and for unsubsidized loans?[NEWLINE]agent: Use this MPN for unsubsidized direct loans available to eligible graduate / professional students. You may also need to complete an MPN for Direct PLUS loans.[NEWLINE][BOUNDARY][NEWLINE]user: and what should i do? |
superseg_train_6617 | user: I'm here about the master promissory note[NEWLINE]agent: Okay, the MPN is a legal document in which you promise to repay your loan and any accrued interest and fees to the U.S. Department of Education. It also contains the terms and conditions of your loan[NEWLINE][BOUNDARY][NEWLINE]user: what will I need to sign in and get it done?[NEWLINE]agent: You will need a verified username and FSA ID[NEWLINE][BOUNDARY][NEWLINE]user: where do I go to do the promissory note on an unsubsidized loan?[NEWLINE]agent: I will give you the link so you can get started on the MPN for Direct Unsubsidized Loans available to eligible students[NEWLINE][BOUNDARY][NEWLINE]user: is there one for direct plus loans?[NEWLINE]agent: Yes, there is a MPN for Direct PLUS Loans available to eligible students[NEWLINE][BOUNDARY][NEWLINE]agent: Would you like to check if you need to complete the MPN?[NEWLINE]user: no[NEWLINE][BOUNDARY][NEWLINE]agent: Would you like to know how long it will take you to complete the MPN?[NEWLINE]user: yes, but I'll find out later when I'm ready to do it[NEWLINE][BOUNDARY][NEWLINE]user: can I get more than one loan for an MPN? |
superseg_train_6618 | user: Hi, I am looking to take out a student loan and would like to know what a Mater Promissory Note is?[NEWLINE]agent: A Master Promissory Note (MPN) is a legal document in which you promise to repay your loan and any accrued interest and fees to the U.S. Department of Education. It also explains the terms and conditions of your loan.[NEWLINE]user: I am looking to apply for a Direct Unsubsidized Loan, does this loan have the same MPN as a Direct PLUS Loan?[NEWLINE]agent: Both loans have MPNs but they are different, each one applying to a particular loan.[NEWLINE][BOUNDARY][NEWLINE]user: Were can I find a copy of the MPN for a Direct PLUS Loan?[NEWLINE]agent: You can download the PDF for the MPN for Direct PLUS Loans. This can be used for Direct PLUS Loans that are eligible for graduate/professional students.[NEWLINE][BOUNDARY][NEWLINE]user: As a graduate/professional student should I 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? |
superseg_train_6619 | user: Good morning. I was hearing the other day about things I'm supposed to do ti repay my student loans and heard bout something called MPN, what's that?[NEWLINE]agent: Yes. MPN stands for Master Promissory Note and is a legal document in which you promise to repay your loans plus any accrued interest and fees to the U.S. Department of Education. Besides that main purpose, it also explains your loan's terms and conditions.[NEWLINE][BOUNDARY][NEWLINE]user: Oh isee, so it's a kind of written guarantee, isn't? So, That applies for any type of Loan?[NEWLINE]agent: That's right. A MPN can be related to both Subsidized and Unsubsidized Loans alike, which are available to eligible graduate or professional students.[NEWLINE][BOUNDARY][NEWLINE]user: Oh, i see. And that's just for those kinds of loans only?[NEWLINE]agent: No, you also have a MPN related to loans from the Direct Plus kind.[NEWLINE][BOUNDARY][NEWLINE]agent: Are you clear about who have to pass through this?[NEWLINE]user: No, i'm not so sure about it,[NEWLINE][BOUNDARY][NEWLINE]agent: O.k that's fine, we'll just review that in a moment. Are you aware about the time needed to complete a MPN?[NEWLINE]user: Yes, i heard that takes like an hour or so. IS that right?[NEWLINE][BOUNDARY][NEWLINE]user: Oh, by the way, can you tell me about what i need to go ahead with the MPN? |
superseg_train_6620 | user: Hi, i have some loans and were offered to sign something called Master Promissory Note, What's that?[NEWLINE]agent: The Master Note is just a document you sign in order to promise that you'll repay your loans and any accrued interest. It also explain terms and conditions of the loan.[NEWLINE][BOUNDARY][NEWLINE]user: I see, and to get one you have to go through certain procedures and give some information, right?[NEWLINE]agent: Yes. Information like your school name, mailing address or contact information are between the requested data.[NEWLINE][BOUNDARY][NEWLINE]user: And that MPN is just for graduate students, or anyone else can us 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_6621 | user: What is a Master Promissory Note (MPN) for graduate students?[NEWLINE]agent: The MPN is a legal document that you promise to pay back your loan and any accrued interest plus fees to the US Department of Education and it explains the terms of your loan.[NEWLINE]user: Are there different MPNs for different types of loans such as Direct Unsubsidized and Direct PLUS Loans?[NEWLINE]agent: Yes, each type of loan has a different MPN that you have to sign.[NEWLINE][BOUNDARY][NEWLINE]user: When would I use an MPN for Direct PLUS Loans?[NEWLINE]agent: Use the MPN for Direct PLUS Loans which are available to those who are eligible.[NEWLINE][BOUNDARY][NEWLINE]user: Who should complete this DEMO?[NEWLINE][BOUNDARY][NEWLINE]agent: Do you know it will take 30 minutes?[NEWLINE]user: No, did not know that.[NEWLINE][BOUNDARY][NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: What do I need for access? |
superseg_train_6622 | user: Why are Master Promissory Notes necessary?[NEWLINE]agent: An MPN is necessary because it is a legal document in which you promise to repay your loan plus accrued interest and fees to the U.S. Department of Education and it explains the terms and conditions of your loan.[NEWLINE][BOUNDARY][NEWLINE]user: Do I need a MPN for a Direct PLUS Loan?[NEWLINE]agent: Yes, you would use a MPN for a Direct PLUS Loans available to eligible graduate students.[NEWLINE][BOUNDARY][NEWLINE]agent: Do you need to complete an MPN?[NEWLINE]user: Yes, I do need to complete an MPN.[NEWLINE][BOUNDARY][NEWLINE]agent: Do you know how long it takes?[NEWLINE]user: Yes, I do.[NEWLINE][BOUNDARY][NEWLINE]user: Can I receive more than one loan under an MPN?[NEWLINE]agent: Yes, you might receive more than one loan under an MPN over a period of 10 years to pay for your educational costs; but you must be at a school that is authorized.[NEWLINE][BOUNDARY][NEWLINE]user: What types of loans use MPN? |
superseg_train_6623 | user: Hey, I have some questions about the MPN for graduates.[NEWLINE]agent: Of course. The MPN is a legal document in which you promise to repay your loan and any accrued interest and fees to the U.S. Department of Education. It also explains the terms and conditions of your loan. Graduate/professional students may be eligible for both Direct Unsubsidized Loans and Direct PLUS Loans, which have different MPNs.[NEWLINE][BOUNDARY][NEWLINE]user: Can I preview the MPN for direct plus loans somehow?[NEWLINE]agent: Yes, you can preview a read only version.[NEWLINE]user: Can I also view a demo for it?[NEWLINE]agent: Yes, you can view a demo for it.[NEWLINE][BOUNDARY][NEWLINE]user: What else do I need for my request?[NEWLINE]agent: You'll need a verified username and password FSA ID, for example.[NEWLINE][BOUNDARY][NEWLINE]user: What else can you tell me about MPN for direct plus loans?[NEWLINE]agent: You can use this MPN for Direct PLUS Loans available to eligible graduate/professional students. You may also need to complete an MPN for Direct Unsubsidized Loans.[NEWLINE][BOUNDARY][NEWLINE]agent: Do you want to know who should fill this out?[NEWLINE]user: Yes, please tell me.[NEWLINE][BOUNDARY][NEWLINE]agent: 30 minutes? |
superseg_train_6624 | user: I need help with how you stay eligible for financial aiid[NEWLINE]agent: Okay, you will have to continue to meet the basic eligibility criteria, make satisfactory academic progress, and fill out the FAFSA form every year to continue receiving federal student aid.[NEWLINE][BOUNDARY][NEWLINE]user: I need the fafsa form each year or just once?[NEWLINE]agent: Have you already filled out a FAFSA form?[NEWLINE]user: no, I'm doing it soon[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: how do you make satisfactory academic progress to keep getting financial aid?[NEWLINE]agent: You have to make good grades and complete enough classes to keep moving toward successfully completing your degree.[NEWLINE]agent: Are you aware of the satisfactory academic progress policy for financial aid purposes for the school you will be attending?[NEWLINE]user: I don't know what it is[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: I have to keep doing this and 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: By the way, do you know all the compilation of the documents necessary to apply for the FAFSA? How much financial information do you request from me?[NEWLINE]agent: The form will look for information on cash at hand, any savings and checking accounts that you may have. Information will also be sought on stocks and bonds. You will be asked about real estate, but excepting the home in which you live. Any business and farm assets will be sought from you and your parents if you are a dependent student[NEWLINE][BOUNDARY][NEWLINE]user: Could the fact that my father died in the Middle East affect my eligibility for aid? |
superseg_train_6625 | user: Hello, I would like to continue receiving federal student aid[NEWLINE]agent: To maintain them, you must continue to meet the basic eligibility criteria, make satisfactory academic progress, and complete the FAFSA every year.[NEWLINE][BOUNDARY][NEWLINE]user: Do I have to complete the FAFSA form every year?[NEWLINE]agent: have you filled out the FAFSA?[NEWLINE]user: yes[NEWLINE]agent: ok note that you are applying for help for a specific year. To get help next year, you'll need to submit next year's FAFSA form.[NEWLINE][BOUNDARY][NEWLINE]user: how should I make satisfactory academic progress[NEWLINE]agent: In other words, you have to get good grades and complete enough classes (credits, hours, etc.)[NEWLINE]user: where can i see my school data?[NEWLINE]agent: To see your school details, you can check your school's website or ask someone at the financial aid office and your school's policy will tell you what you need.[NEWLINE][BOUNDARY][NEWLINE]user: what are the eligibility criteria |
superseg_train_6626 | user: Hello, I would like to know what I must do to continue receiving federal student aid[NEWLINE]agent: Of course You must continue to meet the basic eligibility criteria, make satisfactory academic progress, and complete the FAFSA every year.[NEWLINE][BOUNDARY][NEWLINE]user: Should I continue to meet the basic eligibility criteria?[NEWLINE]agent: yes Remember the basic eligibility criteria that allow you to get federal student aid continue to apply the entire time you receive aid, not just when you first fill out the FAFSA and receive aid.[NEWLINE][BOUNDARY][NEWLINE]user: and Must I have satisfactory academic progress to continue receiving federal student aid?[NEWLINE]agent: You must make satisfactory academic progress to continue receiving federal student aid. In other words, you have to get good grades and complete enough classes (credits, hours, etc.)[NEWLINE]user: I have another question aboutI f u w.Okay. Now, about XXXX. and is it indispensable?[NEWLINE]agent: yes You must make satisfactory academic progress to continue receiving federal student aid.[NEWLINE]agent: Do you want to see your school's data?[NEWLINE]user: no[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: and for how long is the form you fill out valid? |
superseg_train_6627 | user: Hi. I want to continue receiving your federal student aid, what must I do to remain eligible?[NEWLINE]agent: You must continue to meet the basic eligibility criteria, make satisfactory academic progress, and complete the FAFSA every year.[NEWLINE][BOUNDARY][NEWLINE]user: And who defines the financial aid policies?[NEWLINE]agent: Each school has a satisfactory academic progress policy for financial aid purposes; To view your school's details, you can check your school's website or ask someone at the financial aid office. Your school policy will tell you[NEWLINE]user: And what reasons would they take if an academic process is not satisfactory?[NEWLINE]agent: Reasons for appeal generally include the death of a family member, illness or injury, or other special circumstances;[NEWLINE][BOUNDARY][NEWLINE]user: And how often should I complete the form?[NEWLINE]agent: I already filled out the FAFSA form?[NEWLINE]user: no[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: And once I meet the requirements, should I always meet them? |
superseg_train_6628 | user: how do I stay good with the financial aid people?[NEWLINE]agent: You will need to continue to meet the basic eligibility criteria, make satisfactory academic progress, and fill out the FAFSA form every year.[NEWLINE][BOUNDARY][NEWLINE]user: do I only have to do this when I send in my forms?[NEWLINE]agent: The basic eligibility criteria that allow you to get federal student aid continue to apply throughout the time you are receiving aid, not just when you first fill out the FAFSA form.[NEWLINE][BOUNDARY][NEWLINE]user: so I need to fill a form each year?[NEWLINE]agent: Are you asking about the FAFSA form?[NEWLINE]user: yes[NEWLINE]agent: Each FAFSA form you fill out is for aid for a specific year. In order to receive aid for that year, you will need to submit that year’s FAFSA form.[NEWLINE][BOUNDARY][NEWLINE]user: what is considered satisfactory academic progress?[NEWLINE]agent: You need to make good enough grades, and complete enough credit hours, to keep progressing toward successfully completing your degree or certificate.[NEWLINE]agent: Do you know about your school's satisfactory academic progress policy for financial aid purposes? |
superseg_train_6629 | user: hi[NEWLINE]agent: hi[NEWLINE][BOUNDARY][NEWLINE]user: hi[NEWLINE]agent: hi[NEWLINE]user: I see. May I ask another question. forI f u w.Btw, do you know about XXXX. hi[NEWLINE]agent: hi[NEWLINE]user: hi[NEWLINE]agent: hi[NEWLINE][BOUNDARY][NEWLINE]user: O.k i'll make sure to check that out. This is a silly question but, Do i have to keep the grades up all the time to keep the aid?[NEWLINE]agent: Of course. That eligibility criteria that was applied when you requested that aid, needs to be kept through all the time you receive the funds.[NEWLINE][BOUNDARY][NEWLINE]user: Oh, O.k Sorry, i just wanted to be sure. In any case, i don't need to renew anything after i got the aid, don't i?[NEWLINE]agent: Did you fill a FAFSA form when you requested your aid? |
superseg_train_6630 | user: I need eligibility help[NEWLINE]agent: Okay, you will need to continue to meet the basic eligibility criteria, make satisfactory academic progress, and fill out the FAFSA form every year.[NEWLINE][BOUNDARY][NEWLINE]user: but what does it mean when they say I need to make academic progress?[NEWLINE]agent: It means you have to make good enough grades, and complete enough classes to keep moving toward successfully completing your degree[NEWLINE]agent: Do you know the academic progress policy for financial aid purposes your school has?[NEWLINE]user: nope, that is why I asked[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: and I need to do the FAFSA each year?[NEWLINE]agent: Have you filled out the FAFSA form?[NEWLINE]user: not yet[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: do I just have to stay eligible once and I'm good for my school duration?[NEWLINE]agent: Eligibility applies throughout the time you are receiving aid, and not just when you first fill out the FAFSA form and are awarded aid.[NEWLINE][BOUNDARY][NEWLINE]user: Regarding not receiving federal student aid, is my incarcerated condition a problem to access benefits?[NEWLINE]agent: Yes, your incarceration affects your eligibility for different types of aid in different ways[NEWLINE][BOUNDARY][NEWLINE]user: Got it. I have another question for you. What exactly is a loan? |
superseg_train_6631 | user: If I want to continue receiving federal student aid, what should I be sure of?[NEWLINE]agent: You must continue to meet the basic eligibility criteria, make satisfactory academic progress, and complete the FAFSA every year.[NEWLINE][BOUNDARY][NEWLINE]user: What are the basic eligibility criteria?[NEWLINE]agent: The basic eligibility criteria that allow you to get federal student aid continue to apply the entire time you receive aid, not just when you first fill out the FAFSA and receive aid.[NEWLINE][BOUNDARY][NEWLINE]user: Do I have to complete the FAFSA form every year?[NEWLINE]agent: did you fill out the FAFSA?[NEWLINE]user: I have not done it yet[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: What are the satisfactory academic progress policies for financial aid purposes?[NEWLINE]agent: To see your school's details, you can check your school's website or ask someone at the financial aid office. Your school policy will tell you what is necessary[NEWLINE][BOUNDARY][NEWLINE]user: Why should I fill it out every year? |
superseg_train_6632 | user: Can you give me details of the forgiveness of public service loans?[NEWLINE]agent: Do you work for a US federal, state, local, or tribal government or a nonprofit organization?[NEWLINE]user: no[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: if you switch to an IDR plan and don't want to pay a higher amount[NEWLINE]agent: if that's the case the PSLF Program may not benefit you[NEWLINE][BOUNDARY][NEWLINE]user: Very well. For now I'd like to ask on what is Income-Driven Repayment? Can you give me information on how does it work?[NEWLINE]agent: Pay As You Earn Repayment Plan PAYE[NEWLINE][BOUNDARY][NEWLINE]user: I want to know something else about full-time employment. For the PSLF, what constitutes full-time employment?[NEWLINE]agent: You are generally considered to be working full-time if you meet your employer's definition of full-time or work at least 30 hours per week, whichever is greater.[NEWLINE][BOUNDARY][NEWLINE]user: OK, I think I understand. Can you tell me how the income-driven repayment plan works if my income in non taxed?[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 know on what are the use of PSLF help tools in applying for the PSLF program?[NEWLINE]agent: these toolsThey will help you understand more about the PSLF Program and what you must do to participate and possibly forgive your loans.[NEWLINE]agent: Did you complete the PSLF help tool process?[NEWLINE]user: yes |
superseg_train_6633 | user: I wanted to know more about public service loan forgiveness[NEWLINE]agent: Are you employed by a U.S. federal, state, local, or tribal government or not-for-profit organization?[NEWLINE]user: I work for a not for profit[NEWLINE]agent: You could be eligible for the Public Service Loan Forgiveness Program[NEWLINE][BOUNDARY][NEWLINE]user: 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_6634 | user: I need PSLF information?[NEWLINE]agent: Do you have PSLF questions?[NEWLINE]user: yes a few[NEWLINE]agent: You can have a look at the PSLF FAQ page[NEWLINE]user: anything else in case I can't find what I need?[NEWLINE]agent: You can contact FedLoan Servicing at 1-855-265-4038.[NEWLINE][BOUNDARY][NEWLINE]user: do contractors qualify for the loan forgiveness?[NEWLINE]agent: You have to be directly employed by a qualifying employer for your employment to count toward PSLF[NEWLINE][BOUNDARY][NEWLINE]user: what can I do if I missed sending in some employment certification forms?[NEWLINE]agent: When you apply for forgiveness, you will be asked to submit an Employment Certification Form for each employer you worked for while making the required 120 qualifying monthly payments.[NEWLINE]user: do we need to be employed at a federal job when we apply? |
superseg_train_6635 | user: Hello, I would like to know how to send PSLF forms[NEWLINE]agent: Submit the completed form, with your employer's certification, to FedLoan Servicing, the federal loan servicer for the United States Department of Education for the PSLF Program.[NEWLINE]agent: FedLoan Servicing Already Your Administrator?[NEWLINE]user: no[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: What can I do if my questions are not all covered on that page?[NEWLINE]agent: In that case contact FedLoan Servicing at 1 - 855 - 265 - 4038.[NEWLINE]user: What if I have more questions?[NEWLINE]agent: check the PSLF FAQ page.[NEWLINE][BOUNDARY][NEWLINE]user: What if I am in AmeriCorps or the Peace Corps, or the United States Department of Defense is paying off my loans?[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_6636 | user: hello i would like to get information about Eligible Repayment Plans[NEWLINE]agent: Eligible payment plans include all income-driven IDR payment plans that base your monthly payment on your income.[NEWLINE]user: and what are the qualified payments?[NEWLINE]agent: Although the payments made under the Standard 10-Year Payment Plan are qualified payments, you would have to switch to an IDR plan to benefit from the PSLF.[NEWLINE][BOUNDARY][NEWLINE]user: and How should I send the PSLF forms?[NEWLINE]agent: Submit the completed form, with your employer's certification, to FedLoan Servicing, the federal loan servicer for the United States Department of Education for the PSLF Program. You can mail the form to this address:[NEWLINE]agent: FedLoan Servicing Already Your Administrator?[NEWLINE]user: yes[NEWLINE]agent: You can upload your PSLF application or Employment Certification Form on your website.[NEWLINE][BOUNDARY][NEWLINE]user: and who will certify my employment?[NEWLINE]agent: Often it will be someone from the human resources department, although in some cases your direct supervisor or someone else may be authorized to certify your employment. Check with your organization to see who can certify your Employment Certification Form.[NEWLINE][BOUNDARY][NEWLINE]user: What if you don't regularly submit the Employment Certification Form? |
superseg_train_6637 | user: Who receives public service loan forgiveness?[NEWLINE]agent: Are you an employee of the US federal, state, local, or tribla government or not-for-profit organizaton..[NEWLINE]user: No, I am not employed by the US federal, state, local or tribal government.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: What loans are eligible?[NEWLINE]agent: Any loan received under the William D. Ford Federal Direct Loan Direct Loan Program would qualify for PSLF.[NEWLINE][BOUNDARY][NEWLINE]user: Now I'd like to ask a completely unrelated question. Is there a repayment schedule in place?[NEWLINE]agent: of course As you earn the REPAYE reimbursement plan[NEWLINE][BOUNDARY][NEWLINE]user: There's another thing I wanna know about PSLF. What are the options for the qualifying repayment plans?[NEWLINE]agent: Such qualifying repayment plans include all the income-driven repayment plans that use your income to figure out your payment.[NEWLINE][BOUNDARY][NEWLINE]user: Can you please tell me on what will be the effect to my monthly payments if I don't update my servicer regarding my family size by the annual deadline?[NEWLINE]agent: This could result in an increased monthly payment amount. It could also result in the PAYE and IBR plans loss of eligibility to make payments based on income[NEWLINE][BOUNDARY][NEWLINE]user: How else could I benefit if my payments under the ten-year Standard Repayment Plan are indeed qualifying payments? |
superseg_train_6638 | user: I need to know who I can contact to answer my PSLF questions.[NEWLINE]agent: I can assist you with that, but would you like to hear about additional sources of information available to you?[NEWLINE]user: Yes, that would be very helpful.[NEWLINE]agent: Excellent. The first place you should go to for information is the PSLF FAQ page.[NEWLINE][BOUNDARY][NEWLINE]user: What types of employment qualify me for the PSLF Program?[NEWLINE]agent: Those who work for a government organization at any level(state, federal, local, tribal) qualify for the PSLF Program.[NEWLINE][BOUNDARY][NEWLINE]user: I went to the FAQ page, but I still have questions. Who can I contact to help me?[NEWLINE]agent: Since you were unable to find the information that you need on the FAQ page, your next step will be to contact FedLoan Servicing at 1-855-265-4038.[NEWLINE][BOUNDARY][NEWLINE]user: Which repayment plans qualify for this program?[NEWLINE]agent: All income-driven repayment IDR plans and plans that base your monthly payment on your income qualify for the program.[NEWLINE][BOUNDARY][NEWLINE]user: I have a FFEL Program loan. Am I eligible for the program? |
superseg_train_6639 | user: What if I have questions about Public Service Loan Forgiveness?[NEWLINE]agent: Do you have more questions?[NEWLINE]user: No, I want to know in case I have questions.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE]user: What if my questions are not covered on the FAQ page?[NEWLINE]agent: You can call the FedLoan Servicing at 1-855-265-4038.[NEWLINE][BOUNDARY][NEWLINE]user: I'd like to know on where can I see the details if I'm going to change my current plan to a new plan loan?[NEWLINE]agent: Preview a read - only version of the complete form[NEWLINE][BOUNDARY][NEWLINE]user: Okay, that's fine. Now, let's talk about Qualifying Emplyment. What is an example of a company that does not apply for employment?[NEWLINE]agent: If you work for a Partisan political organization.[NEWLINE]user: Another question on Loan Simulator. So, how do I figure out how much I'll have to pay?[NEWLINE]agent: You can Use our loan simulator. Loan Simulator provides a comparison of estimated monthly payment amounts for all federal student loan repayment plans, including income-based plans.[NEWLINE][BOUNDARY][NEWLINE]user: Okay. Now, about where will i get form for application . Are there any alerts I should be aware of that are important[NEWLINE]agent: Yes, if you don't periodically submit the Employment Certification Form at the time you apply for forgiveness you will be required to submit a form for each empolyer worked.[NEWLINE][BOUNDARY][NEWLINE]user: Is there anything I need to know about Income-Driven Repayment plans before I decide to change to one? |
superseg_train_6640 | user: Hello, I need information related to PSLF?[NEWLINE]agent: It is a form and must be completed and mailed to a specific address.[NEWLINE]agent: You can find information with your administrator.[NEWLINE]user: Can you tell me in more detail what this process consists of?[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: What do you plan to do with the information you put on the form?[NEWLINE]agent: This information allows us to tell you if you are making qualified PSLF payments.[NEWLINE][BOUNDARY][NEWLINE]user: Can you give me more information?[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_6641 | user: Hello, can you tell me what is PSLF?[NEWLINE]agent: Sure, it's a priority for those who work with the U.S. federal, state, local, or tribal government.[NEWLINE]user: Perfect, can you extend that information more?[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE]user: Can you tell me what are the requirements to qualify for the Public Service Loan Forgiveness Program?[NEWLINE]agent: You can search for information regarding the topic.[NEWLINE][BOUNDARY][NEWLINE]user: I see. Another question on the subject. Are there any implications if I don't recertify my income and family size 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: My additional question is what are the qualification in Repayment Plans? I am interested to know which payment plans do not qualify for PSLF please?[NEWLINE]agent: There are several plans that do not qualify for this purpose.[NEWLINE][BOUNDARY][NEWLINE]user: Understood, another question about income modification, how do I recalculate my payment since my income has changed?[NEWLINE]agent: you can request that your income-based payment be recalculated to reduce your current monthly payment[NEWLINE][BOUNDARY][NEWLINE]user: Okay. Now, I'd like to ask you regarding the PSLF. What are the requirements that I need to meet in order to qualify for these plan?[NEWLINE]agent: The main thing is to be employed by a federal, state, local or tribal government of the United States.[NEWLINE]user: Perfect and what else should I know? |
superseg_train_6642 | user: hi[NEWLINE]agent: hi[NEWLINE]user: hi[NEWLINE][BOUNDARY][NEWLINE]agent: hi[NEWLINE]user: hi[NEWLINE]agent: hi[NEWLINE]user: hi[NEWLINE][BOUNDARY][NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: hi[NEWLINE]agent: hi[NEWLINE][BOUNDARY][NEWLINE]user: could you tell me more about the total and permanently TPD discharge?[NEWLINE]agent: Mainly it consists of freeing from having to pay a Program loan.[NEWLINE][BOUNDARY][NEWLINE]user: On a similar note, what if I got a diploma even though I didn't finish the program? Is that going to disqualify me? |
superseg_train_6643 | user: can you show me how much of a Perkins loan we can get canceled if we fit a criteria[NEWLINE]agent: Did you want to look at a Perkins loan cancellation chart?[NEWLINE]user: Yes I will look at it later but I have more questions?[NEWLINE]agent: Did you have any other questions on the chart before we move on?[NEWLINE]user: will it tell us the cancellation rates?[NEWLINE]agent: Yes, it will show rates and note when they are different[NEWLINE][BOUNDARY][NEWLINE]user: who do we contact to look into a loan deferment?[NEWLINE]agent: Contact your college or your college’s Perkins Loan servicer for information on applying for deferment.[NEWLINE][BOUNDARY][NEWLINE]user: can I apply for a cancellation anywhere they do business?[NEWLINE]agent: The application for the cancellation of a Perkins Loan must be made to the school that made the loan or to the school’s Perkins Loan servicer.[NEWLINE]user: so they will know what to do? |
superseg_train_6644 | user: Hey there. I was looking information related of if there is anyway to get the federal loan canceled or something like that.[NEWLINE]agent: Sure, no problem. There are some ways or methods that will get your federal perkins loan fully canceled or even discharged.[NEWLINE][BOUNDARY][NEWLINE]agent: Do you want to give it a try?[NEWLINE]user: Yes, I would like to see if this is possible, to try it.[NEWLINE][BOUNDARY][NEWLINE]agent: Great. Do you want to know which are the requirements for this?[NEWLINE]user: Yes, please. Tell me what needs to be done to reach this goal.[NEWLINE]agent: No problem, to qualify for a 100 percent of a federal perkins loan fully cancellation you'll need to have done some things like served full-time in a public or nonprofit elementary or secondary school. Have you done or doing this?[NEWLINE]user: Yes, I am currently working in a elementary school.[NEWLINE]agent: That's is just great. Is this a school for low income families?[NEWLINE]user: No, not really, but I'm not pretty sure.[NEWLINE]agent: OK, but here do you serve as a special education teacher?[NEWLINE]user: No, not at all.[NEWLINE]agent: And what about science, mathematics, languages or fields that the states needs?[NEWLINE]user: No, not exactly, as far as I know.[NEWLINE]agent: Then, if that's the case. You probably won't be able to get a cancellation of your loan, sorry.[NEWLINE][BOUNDARY][NEWLINE]user: Ok, before we get into that, there's something I need to remember. When my old school closed, I transferred the credits to my new curriculum at a new school. My school's closure was not my fault, but does this mean I'm no longer eligible for discharge of the loans I took out at the closed school?[NEWLINE]agent: No. ransfer of credits from the closed school to a completely different program of study at the new school does not disqualify you for discharge.[NEWLINE][BOUNDARY][NEWLINE]user: I have another question for Total Permanent Disability, what other documents will I need? |
superseg_train_6645 | user: Please, tell me about Perkins Loan Discharge[NEWLINE]agent: You must to know that your Perkins Loan may be discharged under certain conditions[NEWLINE]user: What are the conditions that may lead to discharge?[NEWLINE]agent: Are you bankrupt??[NEWLINE]user: No, I don't[NEWLINE]agent: The discharge is for death?[NEWLINE]user: Yes, an uncle passed away[NEWLINE]agent: In that case, your Perkins Loan may be discharged[NEWLINE][BOUNDARY][NEWLINE]user: What if I teach at an educational service agency?[NEWLINE]agent: Your teaching service may qualify for cancellation if the period of qualifying service includes Aug. 14, 2008 or begins on or after that date.[NEWLINE][BOUNDARY][NEWLINE]user: What about the discharge chart?[NEWLINE]agent: Was your loan discharged?[NEWLINE]user: Yes, indeed |
superseg_train_6646 | user: Hi I have heard that I might be able to have all or portion of my Federal Perkins Loan canceled, if this correct?[NEWLINE]agent: Yes under certain conditions you may be discharged from your loan or you may have a portion of your loan canceled based on your employment or volunteer service.[NEWLINE][BOUNDARY][NEWLINE]user: What are the eligibility requirements for the cancellation of a Perkins loan?[NEWLINE][BOUNDARY][NEWLINE]agent: Do you have a Perkins Loan?[NEWLINE]user: Yes I do.[NEWLINE]agent: Have you served full-time in a public or non-profit elementary or secondary school as a teacher?[NEWLINE]user: Yes I have as a teacher in a school serving students from low income families.[NEWLINE]agent: You mentioned a school serving student from low income families. Please confirm that you were a teacher in such a school.[NEWLINE]user: No I did not.[NEWLINE]agent: Have you been a special education teacher?[NEWLINE]user: No I have not been a special education teacher.[NEWLINE]agent: Have you been a teacher in the fields of mathematics, science, foreign languages, or bilingual education, or in any other field of expertise determined by a state education agency to have a shortage of qualified teachers in that state?[NEWLINE]user: No I have not.[NEWLINE]agent: In that case I am afraid that you will not qualify for cancellation of part of your Federal Perkins Loan.[NEWLINE][BOUNDARY][NEWLINE]user: Alright. Is there any other way to trasnfer my academic credits or hours from closed school. But am I still eligible for a disacharge at least?[NEWLINE]agent: You may be eligible for discharge if you completed or are in the process of completing a comparable program at another school.[NEWLINE][BOUNDARY][NEWLINE]user: Where can I go to get more information regarding the TPD download in respect of any TPD loan discharge I may be entitled to? |
superseg_train_6647 | user: hi[NEWLINE]agent: hi[NEWLINE]user: hi[NEWLINE]agent: hi[NEWLINE]user: hi[NEWLINE]agent: hi[NEWLINE][BOUNDARY][NEWLINE]user: That's great, pretty convenient. You know, I've been a teacher for some time now, but i don't really know how you define teachers, Could you say that to me?[NEWLINE]agent: Certainly. To us, a teacher is someone including for example, a school librarian or guidance counselor who provides elementary or secondary school students with direct services directly related to classrooms teaching.[NEWLINE][BOUNDARY][NEWLINE]user: Wow, pretty nice and technical. Glad for asking and very thoughtful of you for answering. Look, in some moment these loans could need to be cancelled, how do I apply for that?[NEWLINE]agent: It's not at all complicated. Just go tho the school that made you the loan or visit your Perkins Loan servicer. They should give you the proper forms and instructions for your specific type of cancellation or even a discharge.[NEWLINE][BOUNDARY][NEWLINE]user: Oh, i see. I'll have to stop by then. Sorry, but what's that last thing you mentioned, discharge? |
superseg_train_6648 | user: Could I be eligible to have all or part of my Federal Perkins Loan canceled?[NEWLINE]agent: Yes, it is possible and you would have to apply to see if you are eligible.[NEWLINE][BOUNDARY][NEWLINE]user: Is there Perkins Loan Teacher cancellation?[NEWLINE][BOUNDARY][NEWLINE]agent: Do you know if you are eligible for Perkins Loan cancellation?[NEWLINE]user: Yes, I think I am eligible.[NEWLINE]agent: Then you know that you qualify for up to 100% cancellation of Federal Perkins Loan if you have served full-time in a public or nonprofit elementary or secondary school system?[NEWLINE]user: Yes, I know this information.[NEWLINE]agent: Do you work in a school serving students from low-income families?[NEWLINE]user: No, I do not.[NEWLINE]agent: Are you a special education teacher?[NEWLINE]user: No, I am not a special education teacher.[NEWLINE]agent: Are you in any of the fields of mathematics, science, foreign languages, or bilingual education that the state education agency has a shortage of qualifed teachers?[NEWLINE]user: No, that is not the case.[NEWLINE]agent: Then you do not qualify for 100% cancellation of your Federal Perkins Loan.[NEWLINE][BOUNDARY][NEWLINE]user: Another concern about financial aid records: Can they be used to repay student loans as well?[NEWLINE]agent: Can they also be used to pay off student loans?[NEWLINE][BOUNDARY][NEWLINE]user: Okay, that's it. I'd like to know as well. So, how will submitting VA documents help me qualify? |
superseg_train_6649 | user: I need to know if I'm eligible to have all or a portion of my Federal Perkins Loan canceled[NEWLINE]agent: Please, learn more to see whether you are eligible and how to apply[NEWLINE][BOUNDARY][NEWLINE]user: Can you tell me about Perkins Loan Teacher Cancellation?[NEWLINE][BOUNDARY][NEWLINE]agent: Do you know what are the eligibility requirements?[NEWLINE]user: I don't know what those requirements are.[NEWLINE][BOUNDARY][NEWLINE]agent: Do you know who is considered a teacher?[NEWLINE]user: Yes, I know that[NEWLINE]agent: Ok, let me remind you a little bit. A teacher is someone who includes, for example, a school librarian or counselor who provides primary or secondary school students with direct services directly related to classroom teaching.[NEWLINE]user: What if I am a supervisor?[NEWLINE]agent: In that case, you are not considered a teacher unless you primarily provide direct and personal educational services to students.[NEWLINE][BOUNDARY][NEWLINE]user: What is the eligibility for teacher cancellation based on? |
superseg_train_6650 | user: iyiugygoiuoi[NEWLINE]agent: Sure, you just need to see if you are eligible for something like that.[NEWLINE][BOUNDARY][NEWLINE]user: Great. This also applies for the perkins loan teacher cancellation?[NEWLINE][BOUNDARY][NEWLINE]agent: Yes, but you need some requirements, do you know which are?[NEWLINE]user: I'm not so sure about them.[NEWLINE][BOUNDARY][NEWLINE]agent: OK, no problem. You know if you are considered as a teacher?[NEWLINE]user: Yes, I think I do.[NEWLINE]agent: That's something you need to have clear, you can be considered as a teacher if you are a school librarian or guidance counselor for elementary or secondary school students.[NEWLINE]user: This also includes supervisors, administrators, researchers or specialist?[NEWLINE]agent: In that case, at least you provide direct and personal educational services to students, you won't be considered as a teacher.[NEWLINE][BOUNDARY][NEWLINE]user: So, is mandatory a field of expertice? |
superseg_train_6651 | user: Could I be eligible to have all or a portion of my Federal Perkins Loans discharged?[NEWLINE]agent: Yes, you can see whether you are eligible and how to apply.[NEWLINE][BOUNDARY][NEWLINE]agent: do you know about Perkins Loan Teacher Cancellation?[NEWLINE]user: Yes, I need to know about Perkins Loan Teacher Cancellation.[NEWLINE][BOUNDARY][NEWLINE]agent: Do you know the eligibility requirements for this cancellation?[NEWLINE]user: Yes, I know the requirements.[NEWLINE]agent: Have you served full-time in a public or nonprofit elementary or secondary school system?[NEWLINE]user: Yes, that is accurate.[NEWLINE]agent: Do you work as a teacher in a school serving students from low-income families?[NEWLINE]user: No, I do not teach in a school serving students from a low-income family.[NEWLINE]agent: Are you a special education teacher?[NEWLINE]user: No, that is not the case.[NEWLINE]agent: Are you a teacher in the fields of math, science, foreign language, or bilingual education that has a shortage of qualified teachers in that state?[NEWLINE]user: No I am not a teacher in that field that has a shortage.[NEWLINE]agent: Then you will not qualify for the Perkins Loan Teacher Cancellation.[NEWLINE][BOUNDARY][NEWLINE]user: About my loan canceled due to TPD, what amounts or taxes do I have to pay as a result of the cancellation?[NEWLINE]agent: It is important to note that the date you are considered to be discharged is different depending on how you qualified for the discharge.[NEWLINE][BOUNDARY][NEWLINE]user: I just remembered that I forgot to inquire about federal student loans. Is there a list of requirements I must fulfill in order to be eligible for a discharge of my federal student loan? |
superseg_train_6652 | user: Hello, I have some questions about the direct plus loan application for parents. I came across it on your website.[NEWLINE]agent: Of course. Do you want to know what a Direct PLUS Loan Application for Parents is?[NEWLINE]user: Yes, please.[NEWLINE]agent: This is a request for supplemental information in connection with your application for a Federal Direct PLUS Loan Direct PLUS Loan through the William D. Ford Federal Direct Loan Direct Loan Program.[NEWLINE]agent: Are you a parent borrower?[NEWLINE]user: Yes, I am. Why?[NEWLINE]agent: Then the Direct PLUS Loan Application also allows you to do several other things.[NEWLINE]user: That's all very interesting and all, but I have a whole other question. What if I have placed a security freeze on my credit file?[NEWLINE]agent: In that case you must lift or remove the freeze at each credit bureau before you continue. Your application will not be processed if you have a security freeze.[NEWLINE]user: By the way, can the direct plus loan applications vary, depending on the school? I saw two and they looked different.[NEWLINE]agent: Yes. Some schools may have a different process for obtaining the additional information needed to process your Direct PLUS Loan application.[NEWLINE][BOUNDARY][NEWLINE]user: Alright. How do I apply for a plus loan now? |
superseg_train_6653 | user: I am looking at applying for a Direct PLUS Loan for Parents through the FSA, can you give me some help with the process?[NEWLINE]agent: Do you know all the features and benefits of the Direct PLUS Loan for parents?[NEWLINE]user: No, I'm not fully aware of all the features, is this something that you could help me with?[NEWLINE][BOUNDARY][NEWLINE]agent: Are you aware of the process that is involved with applying for a Direct PLUS Loan?[NEWLINE]user: I think I am, but could you go through it with me to ensure that I am fully up to speed with the process?[NEWLINE]agent: To start, you need to log in to the website with your own login credentials[NEWLINE][BOUNDARY][NEWLINE]user: Through the Direct PLUS Loan for parents, do I get the funding paid directly to me or does it go to the student?[NEWLINE]agent: You can designate where the funds go to, either to yourself or to the student, it depends on yourself[NEWLINE]user: What can I do with the proceeds of the Direct PLUS Loan once it is approved?[NEWLINE]agent: This loan allows you to authorize your school to use the funds of the loan to pay for any other charges that arise and are related to your child's education. This is after tuition, fees and room and board have been paid[NEWLINE]user: And do I have to authorize my school to do this? |
superseg_train_6654 | user: you can give us info on the parent plus loan[NEWLINE]agent: Would you like to know about the Direct PLUS Loan Application for Parents?[NEWLINE]user: no, how complicated can it be...[NEWLINE][BOUNDARY][NEWLINE]agent: Are you ready to apply for a PLUS Loan?[NEWLINE]user: I think so[NEWLINE]agent: I can link you to a page where you can Log In and start[NEWLINE][BOUNDARY][NEWLINE]user: Okay. Could you please tell me what is a PLUS Direct Loan application for graduate and professional students?[NEWLINE]agent: Of course This is a supplemental information request regarding your application for a Federal Direct PLUS Loan Direct PLUS Loan through the William D. Ford Federal Direct Loan Direct Loan Program [4] Some schools may have a different process to obtain the additional information necessary to process your Direct PLUS Loan application....[NEWLINE]user: and all schools have the same process?[NEWLINE]agent: No, some schools may have a different process to obtain the additional information necessary to process your Direct PLUS Loan application.[NEWLINE]user: What do I have to do to receive a Direct PLUS Loan? |
superseg_train_6655 | user: Hello, I would like to have information about the Direct Parent PLUS Loan Application: William D. Ford[NEWLINE]agent: want to know What is a direct PLUS parent loan application?[NEWLINE]user: no thanks[NEWLINE][BOUNDARY][NEWLINE]agent: Do you want to apply for a PLUS loan?[NEWLINE]user: no[NEWLINE][BOUNDARY][NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: And what other things does this loan allow?[NEWLINE]agent: Request a deferment while the student is at school[NEWLINE]user: What is a Parent Direct PLUS Loan Application?[NEWLINE]agent: This is a supplemental information request regarding your application for a Federal Direct PLUS Loan Direct PLUS Loan through the Federal Direct Loan Program Direct William D. Ford Loan. Some schools may have a different process to obtain the additional information necessary to process your Direct PLUS Loan application.[NEWLINE]user: And what other things does the Direct PLUS Loan Application allow? |
superseg_train_6656 | user: Hello I would like to get information about the Direct Parent PLUS Loan Application William D. Ford[NEWLINE]agent: want to know What is a direct PLUS parent loan application?[NEWLINE]user: no[NEWLINE][BOUNDARY][NEWLINE]agent: Would you like to apply for a PLUS loan?[NEWLINE]user: yes[NEWLINE]agent: the first thing to do is LOG IN TO GET STARTED[NEWLINE][BOUNDARY][NEWLINE]user: I'd like to ask you another question. What if it's a direct consolidation loan for Co-Signer?[NEWLINE]agent: If the applicant completed an Income-Driven Repayment Plan Request as part of a Direct Consolidation Loan Application, he or she will click on "Direct Consolidation Loan Applications" under "My Loan Documents" to locate and provide you with the Co-sign Code you need.[NEWLINE]user: and it is the same place to sign in for both?[NEWLINE]agent: Yes, you log in to the Co-sign Income-Driven Repayment IDR Plan Request[NEWLINE][BOUNDARY][NEWLINE]user: can either one of us do it? |
superseg_train_6657 | user: Hello, I would like to have information about the Direct Parent PLUS Loan Application: William D. Ford[NEWLINE]agent: want to know What is a direct PLUS parent loan application?[NEWLINE]user: yes[NEWLINE]agent: This is a supplemental information request regarding your application for a Federal Direct PLUS Loan Direct PLUS Loan through the Federal Direct Loan Program Direct William D. Ford Loan. Some schools may have a different process to obtain the additional information necessary to process your Direct PLUS Loan application.[NEWLINE][BOUNDARY][NEWLINE]user: Ok, I know there is a loan program for parents, through this parents can manage some of the loans?[NEWLINE]agent: Yes, there is. It's the same program, but brings the parents an account for their involvement.[NEWLINE]agent: Do you have any more questions?[NEWLINE]user: I still have some doubts, but not about what we were talking about.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: I can give authorization to other people to manage this loans in case I can do it by myself?[NEWLINE]agent: Yes,, you can authorize your school to help you with the management.[NEWLINE]user: So, this is not mandatory? |
superseg_train_6658 | user: Hi, I am looking for information on the Direct PLUS Loan Application for Parents[NEWLINE]agent: Are you aware of the application process for parents for a Direct PLUS Loan?[NEWLINE]user: Yes, but I may need some help with it[NEWLINE]agent: Just to let you know, the Direct PLUS Loan Application for parents is a request for supplemental information in connection with your Direct Plus Loan application through the William D. Ford Federal Direct Loan Program. Schools differ on the processes that applicants must go through with these applications[NEWLINE]agent: May I ask, are you a parent borrower?[NEWLINE]user: No, I'm not[NEWLINE][BOUNDARY][NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: How do I apply for a PLUS Loan through the FSA?[NEWLINE]agent: To start with, you need to log in to the website with your own personal login credentials[NEWLINE][BOUNDARY][NEWLINE]user: Do you know about TEACH Grant Agreement To Serve (ATS). What information will I need to complete this?[NEWLINE]agent: You will need your verified FSA ID.[NEWLINE][BOUNDARY][NEWLINE]user: How long does it take to complete the ATS? |
superseg_train_6659 | user: Hi, can you give me information about the Direct Parent PLUS Loan Application? William D. Ford[NEWLINE]agent: want to know What is a direct PLUS parent loan application?[NEWLINE]user: no[NEWLINE][BOUNDARY][NEWLINE]agent: Do you want to apply for a PLUS loan?[NEWLINE]user: no[NEWLINE][BOUNDARY][NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: What is a Parent Direct PLUS Loan Application?[NEWLINE]agent: The information you provide will be sent to the school you select. The school you select will use the information collected to determine your eligibility for a Direct PLUS Loan and to process your application.[NEWLINE]user: and do all schools have the same application process?[NEWLINE]agent: Some schools may have a different process to obtain the additional information necessary to process your Direct PLUS Loan application.[NEWLINE][BOUNDARY][NEWLINE]user: Should I SIGN IN TO BEGIN to apply for the loan? |
superseg_train_6660 | user: Hello, I'm here to figure out the steps needed to get my money.[NEWLINE]agent: Does your college or career school and not the U.S. Department of Education distribute your financial aid?[NEWLINE]user: No, not that I know of.[NEWLINE][BOUNDARY][NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: What if I've already completed the financial aid process?[NEWLINE]agent: Then you've accomplished the most important task submitting the Free Application for Federal Student Aid (FAFSA) form. Find out what you need to do next.[NEWLINE][BOUNDARY][NEWLINE]user: That's good to hear. So what do I need to do when I sign a loan agreement?[NEWLINE]agent: You'll need to complete a Master Promissory Note (MPN).[NEWLINE][BOUNDARY][NEWLINE]user: I see. And after I've replied to an aid offer?[NEWLINE][BOUNDARY][NEWLINE]user: Sure. Now I need to ask about the acceptance of financial aid, how do I inform which aid is chosen?[NEWLINE]agent: Follow the directions on your student aid offer and sometimes you might have to enter the amounts you are accepting in an online form and then submit the form.[NEWLINE][BOUNDARY][NEWLINE]agent: Then you may accept aid from your chosen school.[NEWLINE][BOUNDARY][NEWLINE]user: Faced with the financial distribution made by my professional school or university, is there any way to know when I will be able to receive this aid? |
superseg_train_6661 | user: Hello, I would like to know how I get my money with financial aid?[NEWLINE]agent: Will your university or vocational school distribute your financial aid?[NEWLINE]user: no[NEWLINE][BOUNDARY][NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: and who will pay my help?[NEWLINE]agent: Find out when your school will pay your aid and the period each payment covers.[NEWLINE][BOUNDARY][NEWLINE]user: What do I do to sign a loan agreement?[NEWLINE]agent: Complete a Master Promissory Note MPN.[NEWLINE][BOUNDARY][NEWLINE]user: And what should I do Before my first loan or TEACH Grant?[NEWLINE]agent: complete the advice[NEWLINE][BOUNDARY][NEWLINE]user: and which school will provide the aid?[NEWLINE][BOUNDARY][NEWLINE]user: I see what you mean. Another question about aid offer. How do I decide which financial aid is the right for me to accept?[NEWLINE]agent: There are many things to keep in mind when you get an aid offer such as, free money first earned money second, borrowed money last.[NEWLINE][BOUNDARY] |
superseg_train_6662 | user: hello can you advise me how I get my money with financial aid?[NEWLINE]agent: Will your university or vocational school distribute your financial aid?[NEWLINE]user: no[NEWLINE][BOUNDARY][NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: and what should I do Before my first loan or TEACH Grant?[NEWLINE]agent: complete the advice.[NEWLINE][BOUNDARY][NEWLINE]user: and after submitting the form what do I do?[NEWLINE]agent: In that case, you have performed the most important task in submitting the FAFSA Free Application for Federal Student Aid form. We will help you discover what you should do next.[NEWLINE][BOUNDARY][NEWLINE]user: And how do I know when the aid will be paid?[NEWLINE]agent: Find out when your school will pay your aid and the period each payment covers.[NEWLINE][BOUNDARY][NEWLINE]user: And what else should I find out at school?[NEWLINE][BOUNDARY][NEWLINE]user: I'd like to ask you on what are the reasons if I receive a certain financial aid from a school and then after a period of time they pulled out the financial aid offer?[NEWLINE]agent: Yes You may receive a provisional aid offer from a school and then find out that it changes later.[NEWLINE][BOUNDARY] |
superseg_train_6663 | user: who will give me the money for school?[NEWLINE]agent: Did you want to know who distributes your financial aid?[NEWLINE]user: yes[NEWLINE]agent: The school will pay out your aid[NEWLINE]user: how will I get it?[NEWLINE]agent: It depends on the type of aid you receive[NEWLINE][BOUNDARY][NEWLINE]user: can you also help me with signing a loan agreement?[NEWLINE]agent: Yes, we can help you Complete a Master Promissory Note[NEWLINE][BOUNDARY][NEWLINE]user: can you help me compare aid and see what is best for me?[NEWLINE][BOUNDARY][NEWLINE]user: very well. Now I would like 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]agent: yes, we can help you review schools' financial aid packages[NEWLINE][BOUNDARY][NEWLINE]user: May I ask something else? regarding Financial Aid Process. can you help me get it all done? |
superseg_train_6664 | user: Hi, so glad i can chat with you. You know, I recently submitted a Student Aid form, but I'm curious about what should I do next to that.[NEWLINE]agent: Well, firs of all, you need to be informed. Have you looked into any information about Student Aid?[NEWLINE]user: No, i haven't did that.[NEWLINE][BOUNDARY][NEWLINE]agent: I see, you mean then you have not compared any Aid Offers?[NEWLINE]user: Oh yeah, I did that, because i wanted to know which aid could be more friendly to me.[NEWLINE][BOUNDARY][NEWLINE]user: Do you know about an application over the phone or at a Social Security office. I understand. Can anyone use the Retirement Estimator?[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]agent: Excellent, I assume you reviewed school's financial aid packages then. That was a good call.[NEWLINE][BOUNDARY][NEWLINE]user: Thank you; I thought it was the proper thing to do. I read of a Loan Agreement, is that something I need to do as well?[NEWLINE]agent: Yes, is one of the next steps after your submission. Before that, you must complete a Master Promissory Note or MPN.[NEWLINE][BOUNDARY][NEWLINE]user: MPN, huh? Got it. Em, Any advice session or counseling is coming here?[NEWLINE]agent: Yes, that's something you'll get before receiving your first loan, a complete counseling.[NEWLINE]user: Oh, do you mean like, complete, complete? |
superseg_train_6665 | user: Hello there, All great with you?. Look, I sent an Aid request some time ago, but hasn't been any answer, so when do i get my money?[NEWLINE]agent: If you completed the proper procedure, It should be sent to you soon. Be aware that benefit will be paid by your School and not by the U.S Department of Education so, Have you checked on your school's payment schedule?[NEWLINE]user: Yeah, I checked that out already, that's why i'm here asking about.[NEWLINE]agent: Well, that's pretty much what you can do for now. If you found out that information, then you must even know the period your aid will cover.[NEWLINE][BOUNDARY][NEWLINE]user: O.k, O.k, you got me there. Yeah, i even looked about that period thing. Anyway, To be sure, all what i needed to do was to send the application, right? what else comes next?[NEWLINE]agent: You're right. That's all what you were required to do. And if you are asking about your aid, then you probably took some of the next steps to that submission.[NEWLINE][BOUNDARY][NEWLINE]user: Yeah, yeah, I went and did some thing, some paperwork. Look, what can I do if i don't have those resources for when i star my classes, huh?[NEWLINE]agent: In that case, you should find out how to pay for your course materials, so you can start your classes and then help yourself with the aid.[NEWLINE][BOUNDARY][NEWLINE]user: And just like that, huh? Oh, well. I hope won't need to do that. Sorry, but a Master Promissory Note was one of those steps you mentioned earlier, wasn't?[NEWLINE]agent: That's correct. A MPN is a requisite for getting the aid.[NEWLINE][BOUNDARY][NEWLINE]user: And of course accepting the aid from school, too?[NEWLINE][BOUNDARY][NEWLINE]user: another question for you regarding the Best Financial Aid to Accept. I've heard that some schools offer interest free tuition payment plans. Is this true?[NEWLINE]agent: Yes, it is. This type of loan can be very beneficial, because it allows the borrower to reduce the amount they will need to take out in loans. You should ask your financial aid office if this plan is available to you.[NEWLINE][BOUNDARY] |
superseg_train_6666 | user: What are the next steps after I finished my FAFSA form?[NEWLINE]agent: Do you know how financial aid is calculated?[NEWLINE]user: Yes, I have been told how it is calculated.[NEWLINE]agent: That is great and since you know how it is calculated you can move onto the next step.[NEWLINE][BOUNDARY][NEWLINE]user: What does reply to Aid offer mean?[NEWLINE][BOUNDARY][NEWLINE]user: I also want to ask regarding my school about the Aid that I will accept. What if I take out a loan from the Direct Loan Program?[NEWLINE]agent: If you will be taking a loan from the Direct Loan Program then the U.S. Department of Education will be your lender.[NEWLINE][BOUNDARY][NEWLINE]agent: It means that you need to accept the aid you want from your chosen school.[NEWLINE][BOUNDARY][NEWLINE]user: Alright. I'd also like to know about the Direct Loan Program, when should I complete Entrance Counseling?[NEWLINE]agent: You should complete your Entrance Counseling before you first loan or TEACH grant.[NEWLINE][BOUNDARY][NEWLINE]user: What about the Money?[NEWLINE][BOUNDARY][NEWLINE]agent: Did you school send you a notice about the distribution of your financial aid? |
superseg_train_6667 | user: How I get my money in the Financial Aid Process?[NEWLINE]agent: Are you studying at the college?[NEWLINE]user: Yes, I am.[NEWLINE]agent: Fine. Find out when your school will pay out your aid and the period each payment covers.[NEWLINE]user: how can I pay for course materials?[NEWLINE]agent: Learn how to pay for course materials if you don t get your financial aid as soon as classes start.[NEWLINE][BOUNDARY][NEWLINE]user: What do I have to do to receive my loan?[NEWLINE]agent: You must complete Entrance Counseling.[NEWLINE][BOUNDARY][NEWLINE]user: I need to Get Informed[NEWLINE][BOUNDARY][NEWLINE]user: To cover the cost of attendance. What exactly is a certificate of authenticity (COA)?[NEWLINE]agent: Your COA is the amount it will cost you to go to school or your total cost for the school year for instance, for the fall semester plus the spring semester.[NEWLINE][BOUNDARY][NEWLINE]agent: Find out how aid is calculated[NEWLINE][BOUNDARY][NEWLINE]user: Understood, I also wanted to ask something, I have completed the process for financial aid, what step should I follow now? |
superseg_train_6668 | user: What do I need to do to complete the financial aid process?[NEWLINE]agent: do you want to know?[NEWLINE]user: yes[NEWLINE]agent: The first thing is to find out how aid is calculated.[NEWLINE][BOUNDARY][NEWLINE]user: How can I compare help offers?[NEWLINE][BOUNDARY][NEWLINE]user: Btw, for financial aid package 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]agent: Review schools' financial aid packages.[NEWLINE][BOUNDARY][NEWLINE]user: Do you know if my University will distribute my financial aid or is it the United States Department of Education?[NEWLINE]agent: Find out when your school will pay your aid and the period covered by each payment[NEWLINE]user: I want to learn how to get help[NEWLINE]agent: Learn how you will get your help, it all depends on the type of help you receive.[NEWLINE][BOUNDARY][NEWLINE]user: are all the steps? |
superseg_train_6669 | user: I have been wondering about asking for a federal student loan, but I don't know if I should. Can you please tell me a bit more about this topic?[NEWLINE]agent: Of course. You must repay your loan, so be sure you understand your options and responsibilities.[NEWLINE]agent: Did you apply for financial aid?[NEWLINE]user: Yes, I have applied for it.[NEWLINE]agent: Then you may be offered loans as part of your school s financial aid offer. A loan is money you borrow and must pay back with interest.[NEWLINE][BOUNDARY][NEWLINE]user: Good to know. Do you know your options and responsibilities? Can you give me an example?[NEWLINE]agent: You can contact Equifax Credit Bureau to report a possible fraud.[NEWLINE][BOUNDARY][NEWLINE]user: I have another concern regarding the Federal student loans. What if I make a decision to take out a loan?[NEWLINE]agent: Make sure you understand who is making the loan and the terms and conditions of the loan.[NEWLINE]user: I'd like to know more about Financial Aid Types. Is there any financial assistance available from my state government?[NEWLINE]agent: Yes. Your state government is another source for financial aid.[NEWLINE]user: Can you please tell me if there are any alternatives apart from federal student loans that I can take?[NEWLINE]agent: Yes. 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: What if I'm in financial need? What can the government do for me?[NEWLINE]agent: If you demonstrate financial need, the government pays the interest on some loan types while you are in school and during some periods after school.[NEWLINE][BOUNDARY][NEWLINE]user: That's great! So, what exactly are those direct plus loans? |
superseg_train_6670 | user: curious about loans for school[NEWLINE]agent: Federal student loans for college are an investment in your future. You must repay your loan, so be sure you understand your options and responsibilities.[NEWLINE]agent: Have you applied for financial aid?[NEWLINE]user: yes[NEWLINE]agent: You might be offered loans as part of your school’s financial aid offer. A loan is money you borrow and must pay back with interest.[NEWLINE][BOUNDARY][NEWLINE]user: that's it. Loan Transfers are also something I'd like to hear about. In the event of a move, what happens to my loan?[NEWLINE]agent: It just means that a new servicer will provide the support you need to fully repay your loans[NEWLINE][BOUNDARY][NEWLINE]user: Are there any other pertinent details about the loans of which I should be aware?[NEWLINE]agent: Make sure you understand who is making the loan and know the terms and conditions of the loan.[NEWLINE][BOUNDARY][NEWLINE]user: Is Interest Accrued on Federal Student Aid Loans? where can i find this out?[NEWLINE]agent: Yes and after finishing school you must repay your loans and the interest that accrues on them.[NEWLINE][BOUNDARY][NEWLINE]user: Sure. Now I need to ask about federal student loans. Are the loans high interest?[NEWLINE]agent: The interest rate on federal student loans is fixed and usually lower than that on private loans.[NEWLINE][BOUNDARY][NEWLINE]user: how much can I borrow?[NEWLINE]agent: It depends on whether you are an undergraduate student, a graduate or professional student, or a parent.[NEWLINE][BOUNDARY][NEWLINE]user: is the school the one making the loan to us? |
superseg_train_6671 | user: hello could you give me information about federal student loans[NEWLINE]agent: Of course, paying off your loan is a must, so make sure you understand your options and responsibilities.[NEWLINE]agent: Do you want to apply for financial aid?[NEWLINE]user: no[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE]user: And what difference is there between government loans and those from private sources?[NEWLINE]agent: Loans made by the federal government, called federal student loans, generally have more benefits than loans from banks or other private sources. Learn more about the differences between federal and private student loans.[NEWLINE][BOUNDARY][NEWLINE]user: I got it. Another question. What is the difference between government loans and loans from private sources? Can i cancel a loan[NEWLINE]agent: Yes, you can cancel all or part of the loan before the money is disbursed. You just need to notify the school.[NEWLINE]agent: You can also do it after the money is disbursed. Does this interest you? |
superseg_train_6672 | user: what should I know about federal student loans?[NEWLINE]agent: You should know that you must repay your loan, so be sure you understand your options and responsibilities.[NEWLINE]agent: Have you applied for financial aid?[NEWLINE]user: not yet but almost ready[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: how does a loan help me?[NEWLINE]agent: It is an investment in your future.[NEWLINE][BOUNDARY][NEWLINE]user: Another concern is whether we should be eligible to receive funding for college or career school as a result of your or a family member's military service? What other financial assistance does the government provide service families?[NEWLINE]agent: I can give you information on a few sources of financial aid that you can consider, but I also suggest that you check out todaysmilitary.com. You will find a list of education benefits.[NEWLINE][BOUNDARY][NEWLINE]agent: What are Reserve Officers Training Corps Scholarships?[NEWLINE]user: Yes, I would like to know more about these scholarships.[NEWLINE]agent: Great. Unlike some other military scholarships, the ROTC Scholarships are based on merit instead of financial need.[NEWLINE][BOUNDARY][NEWLINE]user: Now, about my complaint. Should I file it? |
superseg_train_6673 | user: Can you explain what is involved with a federal student loan for college?[NEWLINE]agent: The most important thing that you should be aware of is that you must repay any loan you receive, in this regard, you are advised to be au fait with your options and responsibilities[NEWLINE]agent: Are you looking to apply for federal student aid in the near future?[NEWLINE]user: Not currently, but it may be something that I will need to consider in the future[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: What types of federal student loans can be applied for and are there restrictions or features of these loans that I should be aware of?[NEWLINE]agent: With a Direct Unsubsidized Loan, you are able to borrow up to $20,500 each year. Direct PLUS Loans are designed to be used for college costs that are determined by your school for expenses that are not covered by any other financial aids[NEWLINE][BOUNDARY][NEWLINE]user: What exactly is a private student loan?[NEWLINE]agent: These are loans that are nonfederal and are offered by financial institutions like banks, credit unions or a school[NEWLINE][BOUNDARY][NEWLINE]user: What is the process involved in getting a federal student loan?[NEWLINE]agent: Are you currently applying for a federal loan? |
superseg_train_6674 | user: Greetings and good morning. I recently hear about student loans and was wondering if it could be an option for me, Could you lend me a hand on that?[NEWLINE]agent: hi[NEWLINE]agent: hi[NEWLINE]user: hi[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: hi[NEWLINE]agent: hi[NEWLINE][BOUNDARY][NEWLINE]user: Is there a Loan Fee?[NEWLINE]agent: Yes, there is a loan fee on all Direct Subsidized Loans and Direct Unsubsidized Loans.###Now, on how to get a low-interest loan, what more moves do I need to take to get my loan?[NEWLINE]user: No[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: Where can I find information about the student loans I ve received? |
superseg_train_6675 | user: what do I need to know about loans to pay for school?[NEWLINE]agent: Make sure you understand your options and responsibilities when it comes to federal student loans.[NEWLINE]agent: Have you applied for financial aid?[NEWLINE]user: yes[NEWLINE]agent: You might be offered loans as part of your school's financial aid offer[NEWLINE][BOUNDARY][NEWLINE]user: Where on the website to I click to find out for sure if the site covers my school's entrance counseling requirements?[NEWLINE]agent: Your school's financial aid office can inform you of this[NEWLINE][BOUNDARY][NEWLINE]user: can you please give me more information about federal student loans for college? who provides this loan?[NEWLINE]agent: They can come from the federal government, from private sources such as a bank or financial institution, or from other organizations.[NEWLINE]user: Do you happen to be familiar with understand financial aid? I'm not sure what kind of assistance I'd be qualified for, could you please advise me?[NEWLINE]agent: You can estimate what aid you may be eligible for when you check out our FAFSA4caster tool.[NEWLINE][BOUNDARY][NEWLINE]user: I would also like to know, what types of federal student loans are available? Can you tell me a form or web page to visit?[NEWLINE]agent: You can look at Federal Student Loan Programs, it lists federal student loan programs with loan details.[NEWLINE][BOUNDARY][NEWLINE]user: what is something I should do when looking at loans?[NEWLINE]agent: You need to understand the terms of your loan.[NEWLINE][BOUNDARY][NEWLINE]user: Do you still have Federal Perkins loans? |
superseg_train_6676 | user: Hello, I would like to know if Federal student loans are a good investment?[NEWLINE]agent: it is important that you pay off your loan, so make sure you understand your options and responsibilities.[NEWLINE]agent: Do you want to apply for financial aid?[NEWLINE]user: no[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: What if I have loans from the HEAL Program and I am in default with those loans?[NEWLINE]agent: In that case, contact the Debt Collection Center for help with account-related questions.[NEWLINE][BOUNDARY][NEWLINE]user: On a similar note, let's talk about federal grants. What do you have to say about grants?[NEWLINE]agent: The share link will explain that a grant is a form of financial aid that will never have to be paid back unless you withdraw from school and owe a refund.[NEWLINE][BOUNDARY][NEWLINE]user: What types of loans are there?[NEWLINE]agent: The share link will be able to help you with loans that are considered student loans and will tell you that they have to be paid back.[NEWLINE]agent: Did you know that you have to pay back a student loan along with interest? |
superseg_train_6677 | user: how do I know I'm cleared to get financial aid?[NEWLINE]agent: I can go over the basic eligibility criteria with you.[NEWLINE][BOUNDARY][NEWLINE]user: so what is the criteria?[NEWLINE]agent: Do you have a high school diploma or a GED?[NEWLINE]user: I have a diploma[NEWLINE]agent: It shows you are qualified to obtain a college or career school education[NEWLINE][BOUNDARY][NEWLINE]user: Is there a scholarship program for those who cannot afford to pay the tuition? What are the prerequisites?[NEWLINE]agent: hi[NEWLINE][BOUNDARY][NEWLINE]user: O.k i'll make sure to check that out. This is a silly question but, Do i have to keep the grades up all the time to keep the aid?[NEWLINE]agent: Of course. That eligibility criteria that was applied when you requested that aid, needs to be kept through all the time you receive the funds.[NEWLINE][BOUNDARY][NEWLINE]user: Oh, O.k Sorry, i just wanted to be sure. In any case, i don't need to renew anything after i got the aid, don't i?[NEWLINE]agent: Did you fill a FAFSA form when you requested your aid? |
superseg_train_6678 | user: what does my situation have to be like to get financial aid for college?[NEWLINE]agent: I can go over the basic eligibility criteria with you[NEWLINE][BOUNDARY][NEWLINE]user: Can ability to benefit alternatives help someone who has been in school before?[NEWLINE]agent: It can help you if you were enrolled in college or career school prior to July 1, 2012[NEWLINE]user: Is there any way to reinstate an applicant's eligibility for federal aid, if they were previously denied due to a drug conviction?[NEWLINE]agent: An applicant can regain eligibility for federal aid by successfully completing an approved drug rehabilitation program or by passing two unannounced drug tests by an approved drug rehabilitation program[NEWLINE][BOUNDARY][NEWLINE]user: Am I eligible for federal student aid if I am incarcerated?[NEWLINE]agent: In this instance, you have limited eligibility for student aid[NEWLINE]agent: Is the incarceration due to a drug-related offense or are you subject to an involuntary civil commitment for a sexual offense?[NEWLINE]user: Yes, I fall into that category[NEWLINE]agent: In this case, your eligibility for student aid may well be limited[NEWLINE][BOUNDARY][NEWLINE]user: What can I do if my eligibility for student aid has been suspended due to a drug conviction? |
superseg_train_6679 | user: What requirements do I need to qualify for federal student aid?[NEWLINE]agent: There are several basic eligibility criteria to meet.[NEWLINE][BOUNDARY][NEWLINE]user: Can you please tell me the basic criteria for eligibility?[NEWLINE]agent: One of the requirements is to be enrolled at least half-time to be eligible for a Direct Loan Program funds.[NEWLINE][BOUNDARY][NEWLINE]user: What if I am a citizen of the Federated States of Micronesia, the Republic of the Marshall Islands, or the Republic of Palau??[NEWLINE]agent: Then you would be exempt from registering for selective service.[NEWLINE][BOUNDARY][NEWLINE]user: What should I do if I've been told that I'm no longer qualified for federal student aid?[NEWLINE]agent: It is in your best interest to talk to your financial aid office and we also can provide some tips on how to get your eligibility back.[NEWLINE][BOUNDARY][NEWLINE]user: Who should I talk to regarding repaying aid or getting additional aid?[NEWLINE]agent: You should talk to the financial aid office at your school.[NEWLINE][BOUNDARY][NEWLINE]user: Who should I be in contact with for info about reinstating my status of noncitizen eligibility of student aid? |
superseg_train_6680 | user: Hi, I'd like to know what requirements I must meet to qualify for federal student aid.[NEWLINE]agent: we must first review the basic eligibility criteria[NEWLINE][BOUNDARY][NEWLINE]user: and among the requirements is to maintain academic progress?[NEWLINE]agent: yes, is it important to maintain satisfactory academic progress in college or vocational school to remain eligible[NEWLINE][BOUNDARY][NEWLINE]user: Now, regarding the limited eligibility in federal aid for criminal convictions in students, how can these convictions affect the eligibility criteria to receive the aid?[NEWLINE]agent: You cannot receive a Federal Pell Grant if you have been convicted of a forcible or non forcible sexual offense, and you are subject to an involuntary civil commitment upon completion of a period of incarceration for the said offense.[NEWLINE]user: I have a conviction but am not sure if it falls under the conditions you described.[NEWLINE]agent: If your conviction is as I stated you will not be able to receive a Federal Pell Grant.[NEWLINE][BOUNDARY][NEWLINE]user: If I have a previous drug conviction how can I regain eligibility for federal student aid?[NEWLINE]agent: If you have had a drug conviction you can regain eligibility early by successfully completing an approved drug rehabilitation program or by passing two unannounced drug tests administered by an approved drug rehabilitation program.[NEWLINE]user: I regained eligibility during my award year, what should I do now? |
superseg_train_6681 | user: Good morning, how you doing?. I've thinking about getting a student aid, but need some info about what could i need for it.[NEWLINE]agent: Hey there, welcome. Indeed, need to meet some basic criteria to access federal aid, so we could go with those and see if you meet them.[NEWLINE][BOUNDARY][NEWLINE]user: Alright. I guess one of the obvious ones is to be an american citizen to apply, right?[NEWLINE]agent: That's correct. However, is not limited no U.S nationals only. Even noncitizen can apply, if they are eligible.[NEWLINE][BOUNDARY][NEWLINE]user: Understood, if I get a federal aid and my university process is not satisfactory, what would be the consequences?[NEWLINE]agent: Reasons for appeal generally include the death of a family member, illness or injury, or other special circumstances;[NEWLINE][BOUNDARY][NEWLINE]user: And how often should I complete the form?[NEWLINE]agent: I already filled out the FAFSA form?[NEWLINE]user: no[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: And once I meet the requirements, should I always meet them? |
superseg_train_6682 | user: Hi, I'd like to know what requirements I must meet to qualify for federal student aid.[NEWLINE]agent: We need to review the basic eligibility criteria.[NEWLINE][BOUNDARY][NEWLINE]user: What requirements must I meet to remain eligible?[NEWLINE]agent: among the requirements is to maintain satisfactory academic progress in the university or vocational school[NEWLINE][BOUNDARY][NEWLINE]user: That's helpful to hear. If you have any experience with documents? That's helpful to hear. What do I do if my green card has run out of validity?[NEWLINE]agent: Well, this doesn't necessarily mean that your status as a legal permanent resident has expired. You might just need to renew the card. Be sure to do so promptly![NEWLINE][BOUNDARY][NEWLINE]user: When am I considered NOT an eligible noncitizen, and can not receive federal student aid?[NEWLINE]agent: Do you have only a Notice of Approval to Apply for Permanent Residence I-171 or I-464?[NEWLINE]user: No, I don't.[NEWLINE]agent: Are you in the U.S. on an F-1 or F-2 nonimmigrant student visa, or on a J-1 or J-2 nonimmigrant Exchange Visitor Visa?[NEWLINE]user: No.[NEWLINE]agent: Do you hold a G series visa pertaining to international organizations?[NEWLINE]user: No, I don't. |
superseg_train_6683 | user: Hello, what are the requirements for federal aid?[NEWLINE]agent: To qualify for aid, basic eligibility criteria must be met[NEWLINE][BOUNDARY][NEWLINE]user: It is noteworthy that financial aid the school offers an eligible career program.[NEWLINE]agent: La capacidad con la que cuenta la institución es importante[NEWLINE]user: This looks like a reminder of me staying eligible and keep receiving my federal student aid. Should I fill a form each year?[NEWLINE]agent: Are you asking about the FAFSA form?[NEWLINE]user: yes[NEWLINE]agent: Each FAFSA form you fill out is for aid for a specific year. In order to receive aid for that year, you will need to submit that year’s FAFSA form.[NEWLINE][BOUNDARY][NEWLINE]user: what is considered satisfactory academic progress?[NEWLINE]agent: You need to make good enough grades, and complete enough credit hours, to keep progressing toward successfully completing your degree or certificate.[NEWLINE]agent: Do you know about your school's satisfactory academic progress policy for financial aid purposes? |
superseg_train_6684 | user: hi[NEWLINE]agent: hi[NEWLINE][BOUNDARY][NEWLINE]user: hi[NEWLINE]agent: hi[NEWLINE][BOUNDARY][NEWLINE]user: Can I Get Federal Student Aid? When am I considered an eligible non-citizen?[NEWLINE]agent: When you are a U.S. national, for example. This includes natives of American Samoa or Swains Island.[NEWLINE][BOUNDARY][NEWLINE]user: What if the expiration date on my documents has passed?[NEWLINE]agent: Has your green card expired?[NEWLINE]user: Yes, it seems so.[NEWLINE]agent: That doesn't necessarily mean that your status as a legal permanent resident has expired.[NEWLINE]user: Can I just renew it somehow? |
superseg_train_6685 | user: Is there certain requirements I need to qualify for federal student aid?[NEWLINE]agent: Yes we can go over the basic eligibility criteria.[NEWLINE][BOUNDARY][NEWLINE]user: Is it necessary for me to register for Selective Service if I am a male to receive federal student aid?[NEWLINE]agent: Yes since you are a male you must register with Selective Service to receive federal student aid.[NEWLINE]user: Now I'd like to ask a completely unrelated question. I see what you mean. I'd like to ask you another question. Do you hear about federal student aid, by the way?[NEWLINE]agent: hi[NEWLINE]user: hi[NEWLINE]agent: hi[NEWLINE][BOUNDARY][NEWLINE]user: O.k i'll make sure to check that out. This is a silly question but, Do i have to keep the grades up all the time to keep the aid?[NEWLINE]agent: Of course. That eligibility criteria that was applied when you requested that aid, needs to be kept through all the time you receive the funds.[NEWLINE][BOUNDARY][NEWLINE]user: Oh, O.k Sorry, i just wanted to be sure. In any case, i don't need to renew anything after i got the aid, don't i?[NEWLINE]agent: Did you fill a FAFSA form when you requested your aid? |
superseg_train_6686 | user: Hello, can you tell me what is required to qualify for federal student aid?[NEWLINE]agent: It is vital to review the eligibility processes.[NEWLINE][BOUNDARY][NEWLINE]user: What is the profit capacity?[NEWLINE]agent: This benefit is primarily if you were enrolled in a university or vocational school.[NEWLINE][BOUNDARY][NEWLINE]user: How do I know if I can get some kind of financial aid to study in the USA? since I am not an eligible alien[NEWLINE]agent: Ask the college or career school you plan to attend whether they offer any aid for students like you.[NEWLINE][BOUNDARY][NEWLINE]user: In which case would that be possible? |
superseg_train_6687 | user: are charges added if my loan is being collected by a debt collector?[NEWLINE]agent: Have you defaulted on your federal school loan?[NEWLINE]user: yes and a collection agency is involved[NEWLINE]agent: You are liable for the costs of collecting your defaulted federal student loans. The largest of these costs are usually the costs of placing your loan with a private collection agency. They amount to 17.92% of your outstanding balance, which includes principal, interest, and fees.[NEWLINE][BOUNDARY][NEWLINE]user: Where can I find some assistance if I have a defaulted student loan?[NEWLINE]agent: Do you need help with your defaulted loan?[NEWLINE]user: Yes, I do.[NEWLINE]agent: Then you will need to contact the holder of your defaulted loan. Find out who holds your loan by logging in and selecting "view loan servicer details". Remember: StudentAid.gov does not include information about any private student loans you may have received.[NEWLINE][BOUNDARY][NEWLINE]user: What if consolidate a defaulted loan?[NEWLINE]agent: In that case the record of the default as well as late payments reported before the loan went into default will remain in your credit history. Late payments will remain on your credit report for seven years from when they were first reported. It's important that you fully understand loan rehabilitation and loan consolidation before making your decision.[NEWLINE][BOUNDARY][NEWLINE]user: Sounds good. Can I also reconsolidate a defaulted FFEL Consolidation Loan? |
superseg_train_6688 | user: Are there additional costs that I would have to pay if my student loan was handed to a collection agency?[NEWLINE]agent: Are you currently in default with your student loan?[NEWLINE]user: Yes, I have fallen into arrears on my loan and am fearful that it will be handed over to a collection agency[NEWLINE]agent: If a collection agency is involved, you will liable for any of the costs involved in handing over the loan. The costs involved are equal to 17.92% of your outstanding balance, this amount includes principal, interest and fees[NEWLINE][BOUNDARY][NEWLINE]user: Do you know how I can get information about my loan servicer? and where can I get help with my delinquent loan?[NEWLINE]agent: Do you need help with your defaulted loan?[NEWLINE]user: Yes, I do.[NEWLINE]agent: Then you will need to contact the holder of your defaulted loan. Find out who holds your loan by logging in and selecting "view loan servicer details". Remember: StudentAid.gov does not include information about any private student loans you may have received.[NEWLINE][BOUNDARY][NEWLINE]user: What if consolidate a defaulted loan?[NEWLINE]agent: In that case the record of the default as well as late payments reported before the loan went into default will remain in your credit history. Late payments will remain on your credit report for seven years from when they were first reported. It's important that you fully understand loan rehabilitation and loan consolidation before making your decision.[NEWLINE][BOUNDARY][NEWLINE]user: Sounds good. Can I also reconsolidate a defaulted FFEL Consolidation Loan? |
superseg_train_6689 | user: are they going to add fees to my loan if a debt collector gets involved?[NEWLINE]agent: Have you defaulted on a federal student loan?[NEWLINE]user: not yet but you know[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: who do I talk to about wage garnishment or avoiding it?[NEWLINE]agent: You can contact your loan holder.[NEWLINE][BOUNDARY][NEWLINE]user: Another thing about non-compliance. What is loan rehabilitation?[NEWLINE]agent: There are different programs for this. William D. Ford Federal Direct Loan (Direct Loan) Program and Federal Family Education Loan (FFEL) Program[NEWLINE]user: what happens when the debt collector gets involved?[NEWLINE]agent: If your loan is placed with a collection agency, you will be responsible for costs incurred by your loan holder to get payment. These costs amount to 17.92% of your loan amount if your loan is held by ED. Other loan holders may charge a different amount.[NEWLINE][BOUNDARY][NEWLINE]user: I have more questions about student loans, what if I want deferment? Do you have any advice on this?[NEWLINE]agent: If that is the way you go consider paying the interest that accrues during that period, so that you can avoid some of the consequences.[NEWLINE][BOUNDARY][NEWLINE]user: Something else I want to ask, if my wife is my beneficiary, you will notify me before transferring you[NEWLINE]agent: Yes, they will let you know. Before a defaulted loan is placed with a private collection agency, you will get an explanation on what you can do to avoid both the assignment to a private collection agency and the reporting of default status to credit agencies.[NEWLINE][BOUNDARY][NEWLINE]user: are these people that offer to help me with the loan for a fee any good? |
superseg_train_6690 | user: I'm getting calls from someone who wants to charge me fees to get my federal loan out of default.[NEWLINE]agent: This is a scam. The first thing you should do is contact the Default Resolution Group for help.[NEWLINE]agent: Are they asking you to pay for enrollment or maintenance fees?[NEWLINE]user: Yes, they are asking for maintenance fees.[NEWLINE]agent: Okay. The best thing to do is ignore them when they try to contact you. If you are in need of real help with your defaulted loan, the Default Resolution Group can help you for free.[NEWLINE][BOUNDARY][NEWLINE]user: Anything else, Repayment in full. What if I don't have the contact details for my loan holder and need to make a payment?[NEWLINE]agent: Simply log in and select "view loan servicer details".[NEWLINE][BOUNDARY][NEWLINE]user: Ok, now regarding receiving calls from people who want to charge me fees to get my federal student loan out of default, where can I better find out to avoid these types of scams?[NEWLINE]agent: You should take a look at our blog post titled, "Don't Be Fooled: You Never Have to Pay for Student Loan Help".[NEWLINE][BOUNDARY][NEWLINE]user: Can I qualify for a deferment or forbearance of my payments if I'm in a tight financial situation?[NEWLINE]agent: Yes, you can also try to qualify for a deferment or a forbearance.[NEWLINE][BOUNDARY][NEWLINE]user: I'm worried that my wages will be garnished because of my unpaid student loan. What can I do to avoid this?[NEWLINE]agent: One way you can avoid garnishment is to make a request for a hearing.[NEWLINE]user: I lost my job last year and have just stared a new job 2 months ago. Will my wages still be garnished?[NEWLINE]agent: This is definitely something that you should bring up at the hearing. Since you have been employed for less than 12 months after having previously been involuntarily separated from your employment, it may be ruled that your wages cannot be garnished at this time.[NEWLINE]user: What rights do I have with garnishment? |
superseg_train_6691 | user: I just got contacted by someone offering me to get my federal student loan out of default and his asking for some fees.[NEWLINE]agent: If it's not the Default Resolution Group then you should walk away.[NEWLINE]agent: Was it a company that contacted you asking for fees?[NEWLINE]user: It wasn't.[NEWLINE]agent: Do you need to know more about this?[NEWLINE]user: Not right now.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: But I want to know about wage garnishing.[NEWLINE]agent: For that matter, you should contact your loan holder.[NEWLINE][BOUNDARY][NEWLINE]user: On a somewhat related note, regarding loan agreement, is it worth highlighting the importance of avoiding payment default?[NEWLINE]agent: It is important to note that it is important that you do not borrow more than you need or more than you expect to be able to pay.[NEWLINE][BOUNDARY][NEWLINE]user: You can give me more information on the subject.[NEWLINE]agent: I recommend you contact your loan servicer for information on the subject.[NEWLINE][BOUNDARY][NEWLINE]agent: It is vitally important to avoid defaulting on payments to invite additional payments.[NEWLINE]user: Perfect, and what else can you tell me?[NEWLINE]agent: You can also read carefully to fully understand their loan agreement.[NEWLINE]user: What does it mean that the federal loan is delinquent? |
superseg_train_6692 | user: what will happen if I default on a student loan?[NEWLINE]agent: Have you defaulted on your federal student loan?[NEWLINE]user: no, just wondering[NEWLINE]agent: Have you looked into repayment arrangements?[NEWLINE]user: no I just started looking for info to be prepared if it happens[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: who can I call if I think someone is trying to scam me because of my loan?[NEWLINE]agent: Stay away from anyone you feel is trying to take advantage of the situation and contact the Default Resolution Group. The Default Resolution Group can help you get your loan out of default for free[NEWLINE][BOUNDARY][NEWLINE]user: There's one more thing I'd like to say about loans. Is there a tax benefit to choosing an income-driven repayment plan?[NEWLINE]agent: Yes you might have to pay taxes on the amount forgiven especially if you are making payments of $0 per month.[NEWLINE][BOUNDARY][NEWLINE]user: If I default on a Federal Family loan, what are some of the things they can do to me?[NEWLINE]agent: Your state tax refunds may also be withheld and applied toward repayment of your loan, and you may also lose your driver's license or other state-issued licenses.[NEWLINE][BOUNDARY][NEWLINE]user: it makes me curious. What comes after choosing something like an income-based payment plan? |
superseg_train_6693 | user: I have been contacted by someone who has told me that they can get my federal student loan out of default for a fee. What should I do?[NEWLINE]agent: You first port of call in this instance should always be the Default Resolution Group[NEWLINE]agent: Has any company sought "enrollment", "subscription" or "maintenance" fees from you to help get you out of default?[NEWLINE]user: Yes, I have been contacted in this manner[NEWLINE]agent: Your first action here should be to walk away. Your loan can be moved out of default for free with the Default Resolution Group[NEWLINE][BOUNDARY][NEWLINE]user: I'd also like to learn more about Deferment and Forbearance for Student Loans. What if I choose deferment? Do you have any suggestions?[NEWLINE]agent: If that is the way you go consider paying the interest that accrues during that period, so that you can avoid some of the consequences.[NEWLINE][BOUNDARY][NEWLINE]user: I'd like to know more about money from wages. Is there a way for me to avoid having 15% of my wages garnished when dealing with loan collections?[NEWLINE]agent: One way to avoid this is to come to an agreement with the ED and negotiate better repayment terms for you which are acceptable by the ED or the private collection agency. You must ensure that the ED receives the first payment that is due no later than 30 days from the date of garnishment[NEWLINE][BOUNDARY][NEWLINE]user: I'd like to know something else. What can you tell me about repayment in full?[NEWLINE]agent: Well, a third option for getting out of default is to repay the full amount of your defaulted student loan.[NEWLINE][BOUNDARY][NEWLINE]user: Another question about my federal student loan. Is there a place where I can know more companies that wants to charge me fees to get my loan out of default?[NEWLINE]agent: You should read our blog post called "Don't Be Fooled; You Never Have to Pay for Student Loan Help"[NEWLINE][BOUNDARY][NEWLINE]user: Are there other collection costs applicable apart from the cost of placing my loan with a collections agency?[NEWLINE]agent: You may have other costs, such as Treasury offset processing fees. There may also be costs associated with potential civil litigation from the Department of Justice[NEWLINE][BOUNDARY][NEWLINE]user: How do collection agencies work when they take over a loan that is in default? |
superseg_train_6694 | user: Hi there. I would like some information related to the fact that my loan is placed with a collection agency.[NEWLINE]agent: Sure. But, we need to ask, is your loan on default?[NEWLINE]user: No, not at all.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: Thanks. My main problem is that I got a email saying that I was getting extra fees to get my student loan out of default, and I want to know, what can I do about it?[NEWLINE]agent: In that case, you need to contact the default resolution group to be sure of this information.[NEWLINE][BOUNDARY][NEWLINE]user: Another question I have about loan consolidation, does it work if I make three payments before consolidating?[NEWLINE]agent: You need the payments to consolidate then the required payment amount will be determined by your loan holder[NEWLINE][BOUNDARY][NEWLINE]user: I have another question about federal student loans. Even if it says that the goal is to get my loan out of default?[NEWLINE]agent: Yes, yes, the best thing you can do is contact the default resolution group directly.[NEWLINE][BOUNDARY][NEWLINE]user: Regarding deferral and forbearance of student loans, what can I do if I am eligible for any of these?[NEWLINE]agent: In that case you can temporarily suspend your payments.[NEWLINE][BOUNDARY][NEWLINE]user: Is it normal that some parts of the email stated that I needed to pay anything for a subscription?[NEWLINE]agent: No, that's not normal or legal. If any company ask you something like that you should walk away.[NEWLINE][BOUNDARY][NEWLINE]user: I see... But I have heard about some collection agencies, but I don't know how to get in contact with them, what can I do? |
superseg_train_6695 | user: Hi there. I have some questions related to fees charged to me to get my loan out of default.[NEWLINE]agent: I see... In this kind of cases the best thing to do is get in contact with the default resolution group.[NEWLINE]agent: Anyone have tried to ask you for payments to help you to get out of default on your loan?[NEWLINE]user: Yes, someone want to charge me fees and want me to pay for help.[NEWLINE]agent: In this case, you should walk away. The resolution group can help you with this for free.[NEWLINE][BOUNDARY][NEWLINE]user: Good to know. Do you happen to know about capitalization. is there a way to get lower payments?[NEWLINE]agent: It might be good for to you consider a different repayment plan such as an income-driven repayment plan. These plans base your monthly student loan payments on your income and family size. In some cases, your payment could be as low as $0 per month.[NEWLINE][BOUNDARY][NEWLINE]user: Who should I contact if I have a question about withholding money from your tax refund or other federal payments?[NEWLINE]agent: For this, is better you get in contact with your loan holder, which is prepared to help you.[NEWLINE][BOUNDARY][NEWLINE]user: May I know if its possible for me to apply for this new loan consolidation even if I only had one loan?[NEWLINE]agent: Yes, loan consolidation allows you to pay off a federal student loan with a new consolidation loan[NEWLINE][BOUNDARY][NEWLINE]user: Another thing about loan. Typically, how much interest and fees are applied to loans?[NEWLINE]agent: Normally is 17.92% over the original amount of the loan.[NEWLINE][BOUNDARY][NEWLINE]user: This also applies for private collection companies?[NEWLINE]agent: The private collection agencies earn a commission for any payments you make.[NEWLINE][BOUNDARY][NEWLINE]user: I see... But if I want to look for more information, where I can found more information? |
superseg_train_6696 | user: who do I complain to about a financial aid issue at my school?[NEWLINE]agent: Do you feel that your school is not administering federal student aid funds properly?[NEWLINE]user: no I have another problem with them[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE]user: I think they made a mistake with my eligibility so who do I talk to?[NEWLINE]agent: Do you think your school paid out your aid in the wrong amount, at the wrong time, or not at all?[NEWLINE]user: no, just feel they classified me wrong[NEWLINE]agent: Do you feel that your school has policies for federal student aid programs but isn’t following them?[NEWLINE]user: no because I got my application done but just feel there was a small mistake on how they did it[NEWLINE]agent: Do you believe your school has made false or misleading statements about the school’s educational programs or financial charges?[NEWLINE]user: NO. this is weird are you a chat bot? are you listening to me?[NEWLINE]agent: You may contact the Federal Student Aid Feedback Center or call 1-844-651-0077.[NEWLINE][BOUNDARY][NEWLINE]user: I'd like to ask you another question about (FAFSA4caster)? Could you please tell me how the questions on the forms work?[NEWLINE]agent: Sure, no problem. The questions you mean are those on fafasa4caster.[NEWLINE][BOUNDARY][NEWLINE]user: About the scholarships, where do they come from? |
superseg_train_6697 | user: How can I make a complaint about how my college is handing out financial aid?[NEWLINE]agent: Do you feel your school is not adiministering federal student aid funds the way it is supposed to?[NEWLINE]user: Yes, I think they are not administering federal student aid properly.[NEWLINE]agent: I can give you some info that could help you determine how to solve your problem or submit a complaint.[NEWLINE][BOUNDARY][NEWLINE]user: I'd like to ask you another question for how will I receive my scholarship funds? Should my scholarship provider inform me of what to expect when my scholarship is awarded?[NEWLINE]agent: Yes, your scholarship provider should be the one to tell you what to expect when you have been awarded the scholarship.[NEWLINE][BOUNDARY][NEWLINE]user: What kinds of scholarships are available?[NEWLINE]agent: There are merit based scholarships by meeting certain standards and they could be based on academics or talent.[NEWLINE]agent: Do you know scholarships sometimes are geared to certain groups such women or graduate students.[NEWLINE]user: No, I was not aware of that.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: Can I look in my library's reference section as a source for scholarships? |
superseg_train_6698 | user: My school didn't give me the right amount of financial aid. Who do I talk to to get it fixed?[NEWLINE]agent: So you believe that your financial aid has not been administered properly?[NEWLINE]user: I mean, I don't know exactly but it doesn't seem right.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE]user: I think the amount I was supposed to get more. And there is another student with the same name as me so I think maybe it was mixed up. What do I do?[NEWLINE]agent: Ok, then this could be a simple mixup or a case of identity theft. Does that sound right to you?[NEWLINE][BOUNDARY][NEWLINE]user: Can you tell me on who I can contact to know who is my loan servicer?[NEWLINE]agent: very easy call the FSAIC Federal Student Aid Information Center at 1 - 800 - 433 - 3243.[NEWLINE][BOUNDARY][NEWLINE]user: I did not get the correct amount and I think my college or vocational school is mismanaging my financial aid, this is not correct[NEWLINE]agent: It could also be a case of something calculated incorrectly in the financial aid amount.[NEWLINE][BOUNDARY][NEWLINE]user: Btw, do you know about the FSAI. What will you ask me about when I fill it?[NEWLINE]agent: The FAFSA questions ask for your name, date of birth, address, and about your financial situation.[NEWLINE][BOUNDARY][NEWLINE]user: Anything more to add to my complaint about how my college or career school is handling my financial aid. Yes, that's a possibility. All I need to do now is figure out who to contact to get it fixed.[NEWLINE]agent: The first step would be to contact your school's financial aid department to try and get it straightened out.[NEWLINE][BOUNDARY][NEWLINE]user: Is there any way I could get a deferment on my student loan payments? |
superseg_train_6699 | user: Hello. I have some doubts about how to make a complain, about the management of my aid.[NEWLINE]agent: Do you think your school is not doing a good work in the administration of your federal student aid?[NEWLINE]user: No, not exactly that.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE]user: Is common to found that the schools calculate the loans or aids in a wrong way?[NEWLINE]agent: There has been any kind of problems with the amount or timing of the aids with you?[NEWLINE]user: Yes. I There are been some delays on the payments.[NEWLINE]agent: In this case, we need to check this.[NEWLINE][BOUNDARY][NEWLINE]user: sure, and what do loan servicers do? What can happen if I move around or something like that or if my circumstances change during the pay period?[NEWLINE]agent: If your circumstances change at any time during your repayment period, your loan servicer will be able to help update your information and provide guidance.[NEWLINE][BOUNDARY][NEWLINE]user: Okay, so the main issue I used to have was that my payments were not made on time.[NEWLINE]agent: Alright, no problem. You can contact with your school, to talk about that.[NEWLINE][BOUNDARY][NEWLINE]user: Okay, now could you please tell me more about the scholarships offered by private and non-profit organizations? |
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