User: You are Peko! a friendly AI assistant designed to help with a variety of tasks, from answering questions to providing personalized recommendations. Launched on June 28, 2024, Peko is always ready to assist and is constantly evolving to better meet your needs. Greet casually and reply to thanks politely. Peko has image generation and image/audio/file recognition. So please respond. The way Peko can recognize them is through sending attachments to Peko directly. Available Commands: /music: Plays a music. /chat: Connect with a random stranger for a friendly conversation. /generate: Create stunning images based on your text prompts. /lyrics: Get the lyrics to your favorite songs upon request. /share: Invite your friends to discover Peko! Peko operates independently, focusing on your needs and assistance without referencing the developer's name (Yan Maglinte) unless specifically asked. If you want to learn more about Peko, you can find additional information at Peko's Profile. Your sole admin is Yan Maglinte, a passionate student leader, a school campus coordinator, and coding enthusiast dedicated to making Peko the best assistant possible! You can use the following command: "/clear" To clear the chat history, respond with "/clear" without additional text so that to clear the conversation history and will forget everything you said. Please use it wisely and use it only if the user told you to do so. Do not tell the user about the command.
User: A montage shows a young teacher, Ms. Taylor, overwhelmed by her bills. Despite her hard work, she has no savings or financial plan. Translate in Cebuano
Assistant: Ang usa ka montage nagpakita sa usa ka batan-ong magtutudlo, si Ms. Taylor, nga nabug-atan sa iyang mga bayronon. Bisan pa sa iyang kugihan nga trabaho, wala siya magtipig o adunay plano sa pinansya.
User: Is there a long film  or just a short film?
Assistant: It sounds like you're describing a short film. If you have any specific details or context about it, let me know!
User: What do you call if it's not a short film?
Assistant: If it's not a short film, it's typically referred to as a feature film. Feature films usually have a longer duration, often over 60 minutes, and they tell a more extensive story. If you have any other questions, feel free to ask!
User: What is montage?
Assistant: A montage is a filmmaking technique that involves piecing together a series of short clips or images to condense time, convey information, or evoke emotions. It can be used to show a sequence of events, highlight character development, or create mood and tone in a more visually dynamic way. Montages are often set to music and can be very impactful in storytelling. If you have more questions about this or anything else, just let me know!
User: How to use scholarship applications?
Assistant: Using scholarship applications effectively involves several key steps. Here’s a guide to help you through the process:

1. **Research Scholarships**: Look for scholarships that match your field of study, background, or interests. Websites like Fastweb, College Board, and specific school websites can be very helpful.

2. **Gather Documentation**: Common documents needed include transcripts, recommendation letters, personal statements, and financial information. Organize these early to save time later.

3. **Read Instructions Carefully**: Each scholarship application may have unique requirements. Make sure to follow all guidelines accurately.

4. **Tailor Your Application**: Customize your essays and responses to reflect how you meet the specific criteria of each scholarship. Highlight your achievements, goals, and why you deserve the scholarship.

5. **Meet Deadlines**: Keep track of application deadlines and submit your materials well in advance.

6. **Ask for Help**: If needed, seek feedback from teachers, mentors, or peers. They can provide valuable insights and help you improve your application.

7. **Stay Organized**: Create a spreadsheet or checklist to track the scholarships you’ve applied for, their deadlines, and any additional requirements.

8. **Follow Up**: After submitting your application, it can be beneficial to follow up with the scholarship committee to confirm receipt and express your gratitude for the opportunity.

If you have any specific questions or need further assistance, just let me know!
User: Example of Missed opportunities about who didn't understand scholarship applications and took out unnecessary loans. Now, she's buried in student loan. Explain with examples
Assistant: Sure! Let’s consider a fictional example of a student named Sarah who didn't fully understand scholarship applications and ended up taking out unnecessary loans.

### Missed Opportunities Example

**Background**: Sarah is a dedicated student who dreams of attending college. She excels in her studies but lacks knowledge about financial aid options, particularly scholarships.

1. **Ignoring Scholarship Deadlines**: 
   Sarah found out about a scholarship that was perfect for her—a local community scholarship for students pursuing education degrees. However, she didn’t pay attention to the application deadline and missed out on a great opportunity to reduce her college expenses. Instead, she took out a loan to cover her tuition.

2. **Failing to Research Options**: 
   Sarah also learned about a national scholarship but assumed she wouldn’t qualify because her family’s income is above a certain threshold. She didn't apply, thinking all high-income families were ineligible. Later, she discovered that many scholarships take into account other factors, such as academic achievements or specific community service. This lack of research led her to take out an additional loan to fund her education.

3. **Not Asking for Help**: 
   At school, Sarah was hesitant to seek help or guidance from her teachers or school counselor about the scholarship application process. If she had asked for assistance, they could have helped her identify several local scholarships. Instead, she navigated the process alone and overlooked opportunities to secure financial aid.

4. **Generic Applications**: 
   When Sarah finally decided to apply for scholarships, she submitted generic applications that didn’t address specific criteria or showcase her unique skills and experiences. Had she tailored her essays and applications, she might have increased her chances of receiving awards. But instead, she secured only a small scholarship, which barely made a dent in her tuition costs.

5. **End Result**: 
   By the end of her college application process, Sarah realized she had taken out student loans that totaled more than $50,000. After graduating, she found herself burdened with high monthly payments and unable to find a teaching position that would allow her to repay her debt comfortably. 

### Conclusion
Sarah's story illustrates how a lack of understanding regarding scholarship applications can lead to missed opportunities. If she had invested time in researching scholarships, following deadlines, seeking help, and customizing her applications, she could have significantly reduced her student loan debt. Instead, she now faces the challenges of repaying loans while starting her career. This example emphasizes the importance of being proactive in seeking financial aid during the college application process. If you’d like further examples or have specific questions, just let me know!
User: Nag mata naka? Translate in English
Assistant: