Are within 1 year and 120 days of being put on the Temporary Disability Retirement List TDRL?


yes


You are able to get VGLI


can you help me get a discharge on a school loan


Yes, I can help you learn about the eligibility requirements for discharge and how you can apply


are direct loans eligible for this?


Were you enrolled when your school closed?


no I wasn't


Were you on approved leave of absence when your school closed?


no sir


Did your school close within 120 days after you withdrew?


Yes sir or Ma'am


You may be eligible for a 100 percent discharge of your loan


good, and what will I need to get started


You should get your academic and financial aid records since you might need those records if you plan to attend another school or want your student loans discharged.


I'm looking for information as to what constitutes a co-signer in relation to a spouse's income-driven repayment plan application form within the FSA,  can you help me with this?


A co-signer is defined as being the spouse of an applicant who initiated an Income-Driven Repayment Plan Request


Have you a concern or worry about being a co-signer on an application?


Yes, I'm concerned that I may be obligated to repay the loan by signing this application


What can I do if I do not have a Reference Number /Co-sign Code for the particular application?


You should contact the IDR applicant, who should have received an email containing the Reference Number/Co-sign Code. The IDR applicant can also access this information by logging into StudentAid.gov and clicking on the relevant link


What exactly do I need to complete my role as a co-signer within the FSA?


Initially, you will need to be logged in with your own personal FSA ID in order to co-sign the applicant's IDR request


How long should it normally take to complete my role as a co-signer?


Your role is normally completed in one session, which most people manage to complete in 10 minutes


How does my spouse provide me with a co-sign code during the Income-Driven Repayment Plan Request?


Your spouse needs to click on the "Direct Consolidation Loan Applications" button which is located under "My Loan Documents" on the website.


Good day. I want to learn more about Fry scholarships, please.


Then you're in the right place. Here you can learn about the the Marine Gunnery Sergeant John David Fry Scholarship Fry Scholarship, a scholarship for children and dependents of Veterans.


My husband died on a combat mission a few years ago, does this qualify me for the scholarship?


Yes, you may qualify for this benefit. We can find out if you're eligible for education benefits through this scholarship, if you want.


That'd be great. You see, I lost my husband twelve years ago. Which scholarship can I get? The fry scholarship, right?


Yes, you may qualify for both the Fry Scholarship and the Survivors and Dependents Educational Assistance DEA program. But you can use only one program at a time.


Does this mean you cap combined benefits at some point?


Correct. We cap combined benefits at 81 months of full-time training.


Good to know. So, do I qualify for the Fry scholarship then?


You may be able to get benefits under the Fry Scholarship if you re the child or surviving spouse of an active-duty service member who died in the line of duty on or after September 11, 2001.


Are you the spouse of a service member?


Yes, I'm the wife of a veteran who passed away.


Did you remarry?


No, I would never marry another man. My husband was the love of my life.


I'm receiving dependency, can I receive it along with the Fry scholarship?


I'm afraid you'll need to give up those payments when you start to use the Fry Scholarship.


I'm planning to retire soon and I have some questions.


What age you be retiring at?


I'm hoping to retire next year at the age of 65.


Would you be interested in delaying your retirement beyond the age of 65?


I'm not sure and was wondering what impact delaying would have.


Would you be interested in knowing more about how to proceed?


Yes I would.


When planning your retirement you might ask yourself what the best time to start your retirement benefits is. Have you thought about this?


Yes but with my savings and all it's a little confusing.


We can provide you with some information to help you time your retirement more carefully.


When is the earliest that I will receive benefits?


If you need to you can choose to start receiving benefits before the month you apply.


I need help with an expiring temp registration on a car


Is this a situation where you can not get the title certificate for a vehicle you sold and the temporary registration expires soon?


no


can you also check on what the title certificate will have on it for a rebuilt 09 Mustang that we salvaged?


If a title certificate is issued it will receive a brand that displays "REBUILT SALVAGE:NY".


How do we get a surety bond?


You will have to contact a surety insurance company.


another thing I wanted to ask is how do we know how much our bond will be?


Bond amount depends on the number of vehicles the dealer sold in the previous calendar year, or if the dealer is licensed as a franchised new dealer.


also, what should we put down for price on a car we sold wholesale when we're doing the retail certificate of sale?


You don't need the selling price on form MV-50 when a vehicle is sold wholesale.


Who are the I LOVE NY Adventure Custom Plates available to?


You can get the I LOVE NY Adventure Custom Plates if you are an individual that holds a currently valid NYS Department of Environmental Conservation DEC issued Sporting License and/or a NYS Office of Parks, Recreation and Historic Preservation Parks issued Empire Passport.


How much do I have to pay to get an I LOVE NY Adventure Custom Plate?


The fee noted for each renewal is the $15 annual I LOVE NY fee plus the personalization fee if applicable and does not include the regular registration renewal fees due upon each renewal.  As the $15 I LOVE NY fee is an annual fee, if your registration is renewed every two years passenger and commercial class, the fee is $30 at renewal.  Motorcycle classes renew every one year, therefore a $15 I LOVE NY fee will be due at each renewal.


Are fees for the I LOVE NY Adventure Custom Plates waived if I purchased a LIFETIME NYS Parks issued Empire Passport in 2014?


If your purchase of the LIFETIME NYS Parks issued Empire Passport was in 2014, then, yes, indeed, the fees except for the personalization fees, if applicable, are waived for your first plate purchase and first renewal only.


What are the personalization fees for the I LOVE NY Adventure Custom Plates?


Personalization fees are $31.25 for passenger and commercial registration classes and $18.75 for motorcycle class.


Can I order an I LOVE NY Adventure Custom Plate online?


You can order your plate online at I LOVE NY Adventure Custom Plates Gallery.  To order your plate online, you must attach a copy of your driver license and a copy of your sporting license or Empire Passport with the application form.


What is the fee for choosing to get my new driver's license with the icons immediately?


If you hold a driver's license the feel will be $12.50 or it is only $5.00 if you hold a non-driver ID, or you can wait for your next license renewal at no charge.


How can I request the icons to be added to my driver's license if I have a safe boating certificate?


You may request the icons be added in two ways;  online using the Online Sporting License System at the NYS website or by visiting a NYS Department of Motor Vehicles office and presenting the required proof.


What happens with a Mandatory Forbearance?


Do you meet the requirements for a mandatory forbearance?


Yes, I am eligible for a mandatory forbearance.


In a mandatory forbearance, your loan servicer is required to grant the forbearance.


What types of loans are eligible for mandatory forbearance?


eligility would only apply to Direct Loans and FFEL Program loans.


Is there any relief of student loans payment because of COVID-19?


Yes, federal student loan borrowers are automatically being placed in an administrative forbearance to temporarily stop making loan payments from March 13, 2020 to Sept. 30 2020.


Am I able to get a mandatory forbearance if I am in Medical or Dental Internship or Residency?


Yes, if you are serving in a medical or dental internship or residency program and meet other requirements.


What is the time frame of a mandatory forbearance?


Usually 12 months at a time is a mandatory forbearance.


Can you help me with disability?


Of course we can! Disability affects more people than most people know.


Can the planner tell me about Medicare coverage?


Yes, it can tell your when coverage starts and what happens if you go back to work.


Is there a different process for advocates?


Are you helping someone do their application?


Yes, I'm filing for my sister.


Yes, there are additional things you will need to know.


Are disability and supplemental the same thing?


There are 2 programs depending on your employment history and income.


Is the information I need to have the same for both?


For both programs you will need information about your medical condition, work and education history.


What do I do if I already have a lifetime sporting license?


Then you can request the icon be added to your DMV document either using the website or going to your DMV office.


Do you need to know what to expect at the DMV office?


Yes, I've never done this before.


Bring the required proof and there is a $12.50 fee, $5.00 for non-driver ID's.


Are custom plates available now?


Yes, the I LOVE NYS Adventure plates are currently available.


Can I order them online?


No, but you can bring a copy of your driver's license and a copy of your sporting license with the application form.


Can you get these plates for any vehicle?


Yes, they are available for passenger, commercial and motorcycles.


Is it yearly or is there a lifetime option?


There is a Lifetime Empire Passport and you automatically get a new license for free!


What if my spouse dies and they were on Socoal security


Sure, no problem, I will be glad to assist. We should be notified as soon as the person dies


Did you need to report a death or a change?


Yes, my spouse has passed.


Do I need to fill anything out or file?


I am so sorry to hear that, my condolences. Generally you do not have to file anything


IS there a number to call to do this?


Yes there is, thank you for asking. It is 1-800-772-1213


Do I need to make an appointment to come in and see if my benefits will change?


You will need to apply for survivors benefits


Will I get retirement or disability benefits?


It is possible. You would need to apply for them


Hello. When we my benefits start?


Hello, how are you today? I will be happy to assist you. your first Social Security benefit will be paid for the sixth full month after the date we find that your disability began


Ok thanks so much!


Was your application approved?


Yes it was, thank you


You are very welcome.


How do I go about getting medicare?


your state may pay your Medicare premiums and , in some cases , other Medicare costs for which you are normally responsible such as deductibles and coinsurance


IS there a page I can go to to get more information?


please go to the Medicare 's page


When are the benefits paid?


Social Security benefits are paid in the month following the month for which they 're due


Hello there. I came here with some questions for you, regarding the voter registration application.


Are you wondering if you are eligible to register to vote in New York State?


Yes, I am.


To register to vote in New York State you must be a U.S. Citizen.


Do I also need to be 18 or older?


Yes, you also must be at least 18 years old by the end of this year.


I thought so. What if I didn't get a response on my voter registration application? I've been waiting for almost two months now.


Then you should contact them at the phone number or address provided on the New York State Board of Elections website.


How do I know what my voter registration status is right now?


The NYS Board of Elections provides a website for New York State residents to check their voter registration status.


OK. And do I need to keep my voter registration information up to date?


You do not need to update your voter registration information if your political party preference has changed, or if your name has changed since you last voted.


What if I haven't received any response after waiting for 2 full months?


What is available for me to estimate my student aid?


Are you not ready to apply for federal student aid, but want an estimate for future reference?


Yes, I am not ready and just would like an estimate.


Then you are fortunate enough to get an estimate with FAFSA4caster.


Is the FAFSA4caster free?


Yes, the FAFSA4caster is free and gives you an estimate of your eligibility for federal student aid and once you are ready to apply fill out your FAFSA form.


Am I allowed to compare schools?


You are certainly able to compare schools by changing the cost of attendance, deleting state aid if you will be an out-of-state student, or modifying the amount of aid available from the school, among others.


Will FAFSA4caster help me understand my options?


Yes, it is a helpful tool for each person who is not yet ready to fill out a FAFSA form and really is intended for juniors or even younger so parents can start saving up for funding.


Is info provided by FAFSA4caster able to help apply for aid?


It is basically just information to show what you could receive in the future and is not an application for aid.


Hi, I'm a veteran and wanted to know if there are any health care facilities i can go in case i need, please.


Before that, i have to ask, Did you sign up for veterans health care?


Actually, i didn't do that.


Look, lets say i already signed up for veterans health care, and i've moved to a new location far from my previous one. I guess i'll have to update my data, How can i do that?


You can give us a call at 877-222-VETS or 877-222-8387, Monday through Friday, from 8 am to 8 pm. ET


You know, i'm not very fond of being on a facility or treatment center. Is there a chance that i can receive treatment in my own house?


That's a certain possibility. You may get not only health care, but nursing care or even everyday help, right in the comfort of your home.


That sounds like suited to me. But lets say i'm in other location, needing assistance and the health facility can't give it to me. What happens there?


As enrolled veteran, you should be covered. You'll need to find out how you can be able to receive treatment from a local provider.


Ah,then better look for it soon. Tell me something, when i need to go to a facility, i'll be receiving good and constant care?


That's correct. You'll receive regular care on that location of your choice.


I was wondering if I can get help with my dental insurance, becauce I can't get VA dental care benefits.


You may be able to buy dental insurance at a reduced cost through the VA Dental Insurance Program, VADIP, if you meet at least one of the requirements.


And what are those requirements, if I may ask?


Are you signed up for VA health care?


No, I am not.


Are you signed up for our Civilian Health and Medical Program also called CHAMPVA, a health insurance program for dependents of Veterans?


No, I'm not.


Unfortunately, you won't be able to buy dental insurance at a reduced cost through the VA Dental Insurance Program then. I'm sorry.


That's ok. Is there anything else I may qualify for?


You may qualify for a one-time course of dental care that a VA dental care provider concludes.


Do I need the dental care for a specific goal?


Yes, the dental care must be needed to make it possible for you to be in the vocational rehab program and make it possible for you to reach the goals of your vocational rehab program.


Is there anything else I should know?


Yes, you should know that a Dental Trauma Rating VA Form 10 - 564-D or VA Regional Office Rating Decision letter VA Form 10 - 7131 will tell you the tooth/teeth/conditions that are trauma-rated.


I could use help with a loan that is giving me problems


Do you need help with your defaulted loan?


no I need more information on what I can do and such


how do I work on paying my defaulted Perkins loan?


You will need to make a full monthly payment each month, within 20 days of the due date, for nine consecutive months. Your required monthly payment amount is determined by your loan holder.


where do I go for more info on this?


I can show you where to go for information about your Perkins Loan


what about Direct Consolidation loans, can we choose our repayment plan on those?


Yes, if you make three voluntary, on-time, full monthly payments before consolidating, you can choose from any of the repayment plans available to Direct Consolidation Loan borrowers.


can we get more help since COVID-19 is affecting so many people and our finances?


Yes, the U.S. Department of Education has stopped collection activity on defaulted federally owned student loans and/or grant overpayments. Interest is temporarily set at 0% on defaulted federally owned student aid debt. This 0% interest and stopped collections period will last from March 13, 2020, through Sept. 30, 2020.


What types of low cost loans does the US Department of Education offer to students to help cover cost of college?


The US Department of Education offers students subsidized and unsubsidized loans based on their financial need if they are eligible.


Who pays the interest on a Direct Subsidized Loan?


Actually the U.S Department of Education pays the interest on a Direct Subsidized Loan.


Is it ever possible for me to cancel a loan because I decided I do not need it?


Absolutely, if you do it before your money is disbursed you can cancel all or part of your loan at any time.


How do I apply for a loan?


Would you like to apply for a Direct Loan?


Yes, I want to apply for a Direct Loan.


You must first complete and submit the FAFSA form and your school will use the info to determine how much student aid you are eligible for and the Direct Loan is usually included as part of the financial aid package.


What if I want to cancel my loan because it is less than I need?


Yes, you can cancel a loan if it is less than you need but should contact your school to notify them.


hi i need some help if i can't get VA dental care benefits, can i get help buying dental insurance?


Yes You may be able to purchase dental insurance at a reduced cost through the VA Dental Insurance Program VADIP


And what requirements do I have to meet to buy it?


are you signed up for VA medical care?


yes


since you are in compliance You may be able to purchase dental insurance at a reduced cost through the VA Dental Insurance Program VADIP


How does dental care help?


dental care Relieves pain, and helps you get a job,


pk thanks for the info. and another question is what class is it?


You are in: Class III


What factors influence you can get VA dental care?


It depends on a number of factors, such as your military service history and your current health and life situation. Based on these factors, VA places you in a benefit class and gets the specific benefits assigned to that class.


Through which program can I buy dental insurance at low cost?


You may be able to purchase dental insurance at a reduced cost through the VA Dental Insurance Program VADIP


How can I qualify for a dental care course?


You may qualify for: A one-time dental care course that a VA dental care provider


I want to do my life insurance business online with the VA


Do you have VA life insurance?


You can use the online portal to manage your policy online


can I pay my premium by logging on and doing what I have to do?


Yes, you can pay your premium there


is that the same place to go to do your VGLI insurance business?


You access your Veterans Group Life Insurance policy online through the Office of Servicemembers Group Life Insurance at Prudential Insurance Company of America.


what else can I do when I log in besides paying my premium?


You can check your policy's status to make sure it is up to date, and you might be able to find out about your plan and renewal options


where do I go to log in?


Do you have a VA life insurance policy with a file number that starts with a V , RH , J , RS , K , or W ?


no


where do I go to do my business if I have a VGLI policy?


You can access your policy online through the Office of Servicemembers Group Life Insurance at Prudential Insurance Company of America.


do I go to the office of servicemembers website or Prudential website?


You can find your policy through Prudential Insurance Company of America


Hi, I applied for benefits but my application was denied. Are there benefits that members of my family can apply for?


Yes even if you don't qualify for benefits on someone else's record some of your family may qualify for benefits on your record.


How do I go about applying for benefits?


You can apply in person. All you have to do is visit your local Social Security office. I suggest that you call them first and make an appointment.


What is the maximum benefits my family can receive?


There is a limit to the amount that is paid to family members. The total depends on your spouse's benefit amount and the number of family members who also qualify on the same record. The total varies but generally the total amount you and your family can receive is about 150 to 180 percent of your full retirement benefit.


As the main applicant for retirement benefits how much will I receive?


Benefits paid to your spouse will not decrease your retirement benefits.


Where can I find information about benefits for my family?


Are you interested in finding out about benefits for your family?


No I am not.


Are you married or do you have children?


No I have never married and don't have children.


Well then the benefits for family member don't apply to you.


You can help me with counseling for financial aid


Did you want to learn more about Entrance Counseling?


yes


Entrance Counseling is required before you can receive your first Direct Subsidized Loan, or Direct Unsubsidized Loan as an undergraduate, or your first Direct PLUS Loan as a graduate/professional student.


can you help me start?


Yes, we can help you Log In to Start


Do you have info on plus counseling?


PLUS Credit Counseling is required if the U.S. Department of Education has informed you that you have an adverse credit history and you have obtained an endorser or documented to the satisfaction of the U.S. Department of Education that there are extenuating circumstances related to your adverse credit history.


Are you planning on completing PLUS Credit Counseling voluntarily?


no I have to learn more so I'll wait


I have one more question, can you tell me what exit counseling is?


Exit Counseling is required when you graduate, leave school, or drop below half-time enrollment. It provides important information to prepare you to repay your federal student loan


Hi! Could you please tell me how to get a vehicle registration?


No problem. Do you know what the vehicle registration and tittle record abstract are, right?


Yes, I know them.


Great. In case you need it. You can always check for the definitions issued by the new york DMV.


Got it. I Know, for this there is needed the VIN, but I don't have it. What can I do?


There is no problem. We may be able to locate the record using our registration files, we just need you to provide the name and date birth DOB of the registrant.


Alright. Is there any fee related to this?


Yes, there is. You need to do a personal check or money order payable to "commissioner of motor vehicles" to pay the search fee of $10.00


Alright. I can do this by mail?


Yes. You can order your vehicle or tittle record abstracts by mail using the request for DMV records mv-15.


What can I do if I don't know my plate number?


You just need to provide your name and date of birth DOB, as well as the vehicle make and year.


If I can t get VA dental care benefits, can I get help buying dental insurance?


You may be able to buy dental insurance at a reduced cost through the VA Dental Insurance Program VADIP if you meet at least one of the requirements


What are the requirements?


Are you signed up for VA health careApply now?


yes


then you are be able to buy dental insurance at a reduced cost through the VA Dental Insurance Program VADIP


how to qualify for a one - time course of dental care?


You may qualify for : A one - time course of dental care that a VA dental care provider concludes you need to achieve at least one of the goals listed below .   [67] The dental care must be needed to :s     [68] Relieve your pain ,s [69] or     [70] Help you get a job


what about the Dental Trauma Rating VA Form?


You should know : A Dental Trauma Rating VA Form 10 - 564-D or VA Regional Office Rating Decision letter VA Form 10 - 7131 will tell you the tooth / teeth / condition that are trauma rated


Can I get VA dental care benefits for some or all of my dental care?


[5] It depends on a number of factors , like your military service history and your current health and living situation .s     [6] Based on these factors ,s [7] VA places you into a benefits class and you get the specific benefits assigned to that class


how can I get a low-interest loan to help cover the cost of college?


Students may be eligible to receive subsidized and unsubsidized loans based on their financial need.


how can I be eligible?


If the total loan amount you receive over the course of your education reaches the aggregate loan limit, you are not eligible to receive additional loans. However, if you repay some of your loans to bring your outstanding loan debt below the aggregate loan limit,  you could then borrow again, up to the amount of your remaining eligibility under the aggregate loan limit.


What happens if I received a Direct Subsidized Loan that was first disbursed on February 15, 2014?


you will be responsible for paying any interest that accrues during your grace period.


What additional steps must I take to receive my loan?


Do your financial aid package includes federal student loans?


No


Where can I find information about the student loans I ve received?


Visit My Aid to view information about all of the federal student loans and other financial aid you have received and to find contact information for the loan servicer for your loans.


Hello I need information about How to get a vehicle registration


want to know What are vehicle registration summaries and titles?


do not


want to know How do you get the registration summary of your vehicle?


Yes


You can request your vehicle registration summary using the DMV Registration Request PDF MV-15 form.


And how would I do in case I don't remember my license plate number?


provide your DOB name and date of birth as well as vehicle make and year


And what other things do I have to submit with my application?


a photocopy of your driver's license or other government-issued photo identification card as proof of identity  a personal check or money order made payable to the "Commissioner of Motor Vehicles" to pay the search fee of $ 10.00


and can i request by mail?


You can request your vehicle or title registration summaries by mail using the DMV MV-15 Registration Request


How do I obtain the summary of the registration of the title of my vehicle?


You can request your title registration summary using the DMV PDF MV-15 Registration Request Form.


Hello there. I have some doubts related to the types of counseling.


Sure, no problem. But which kind of counseling? Maybe the entrance counseling?


No, not that one. That's not the one I'm looking for, I think.


OK. And what about the financial awareness counseling then?


No, That's not the one either.


Maybe the plus credit counseling perhaps?


Yes, About that one.


Alright. The plus credit counseling is required if the u.s. department of education has informed you that you have an adverse credit history and have obtained and endorser or documented to the satisfaction of the u.s. department of education that there are extenuating circumstances related to your adverse credit history.


Also if you are a plus credit counseling you can complete voluntarily at any time, did you knew that?


No, I wasn't aware of  that. But that's great to know.


And there is any other type of counseling?


Yes, there is an exit counseling, which is required when a student graduates and helps students to get ready to start repaying their loans.


I need help applying for my retirement benefits.


I'll be happy to assist you in applying for your benefits.


Thanks. What if I apply before I reach full retirement age?


The amount that you will receive will be permanently reduced by a percentage based on the number of months until you reach full retirement age.


What are the next steps after I apply?


You could find out if your family is eligible for any benefits. Are you interested in this information?


Yes, I'm interested.


Great. This information is important to know, because members of your family may still qualify for benefits on your record, even if you do not qualify for benefits.


What if my wife is already receiving retirement benefits?


In that case, we would also check your eligibility for spousal benefits and your application will automatically serve as a request for these benefits.


What happens if I'm found eligible for spousal benefits?


You would not need to take any further action, because your application would serve as a request for spousal benefits.


Hey, if a person needs to check some things onits life insurance policy, How can do that?


I understand that you have a VA life insurance?


No, i don't have any of that. Just asking out like a favor for another people.


O.k, you check, but meanwhile, can you tell me how to gain access?


No problem, Let me ask you something, Do you know if any of those people you mentioned have file numbers that starts with a V, RH, J, RS, K or W?


Yeah, i know at least two of them who have files with those letters.


In fact, i think they one of them have something called veterans insurance or something like that. Is that important?


It sure is. If one of them has that kind of insurance, then he or she can access its policy online through the office of service members at Prudential Insurance Company of America. They work with that kind of policy.


You talk too much about this online thing, Could you tell me how can be useful to me?


Accessing your insurance policy online can be used to check many thing about your insurance.


Like what?


Like check your policy status, as well as pay your premium and finding out renewal options.


Hello I need information about Where to go for VA medical care?


have you signed up for VA medical care?


do not


Where do I go for care?


You will receive regular care at the VA location you choose.


What if I need specialized medical treatments and services that they don't have?


in that case we can also refer it to other places. Your healthcare team will use our electronic medical record system to coordinate your care no matter where you are.


What if I sign up for VA medical care?


it becomes part of the nation's largest integrated health care system with more than 1,200 care locations serving nearly 9 million veterans each year.


and how many places of attention do they have?


more than 1,200 medical care locations throughout the country


What if I move, what should I do to change my location address?


To change your address, call us at 877 - 222-VETS 877 - 222 - 8387, Monday through Friday, 8:00 a.m. at 8:00 p.m. We will gladly change the area


and if my new address is outside theUSA?


You must enroll in our Foreign Medical Program. Through this program, we will pay for certain necessary health care services received in foreign countries to treat a service-related disability or a disability that worsens a service-related condition.


Hi there. I would like to know about estimate the aid that I could receive.


Sure no problem. But first, let me ask you, are you ready to apply for the aid?


No, not yet. but I would like to know how would it be, if I apply for it.


Great. SO, can you tell me about how the questions on the forms are?


Sure, no problem. The questions you mean are those on fafasa4caster.


Alright, this will give me an idea of what to expect as aid?


Yes, once you complete it, the screen displays a worksheet to help you determine the net cost of attending college.


But I can do this estimate with that tool?


Yes, you can try the fafasa4caster.


This is only for high school students or also can be done by anyone?


Yes, that's right. Also adults students also can use the fafsa4caster to get an idea of what kind of federal aid can receive.


Are there options if I am in default on my federal student loans?


Yes, you have many options to help you get out of default on your federal student loans.


Have you failed to make your payments on your federal student loans?


Yes, I have not made payments lately and are in default.


You can find out how to get out of default and not let your current consequences of default ruin your financial future.


What happens after defaulted loans have been consolidated?


Your Direct Consolidation Loan will be eligible for benefits such as deferment, forbearance, and loan forgiveness and you could receive additional financial aid; and the defaulted loan would still be on your record of credit history.


What are the actual benefits to me with loan rehabilitation?


Are you asking the benefits of when a student loan is in rehabilitation?


Yes, that is what I want to know.


The default status will be removed from your loan and any garnishments will be stopped.


Will eligibility for additional benefits be available for me again?


Yes, you will be able to apply for a deferment, forbearance, choice of repayment plans or loan forgiveness and can be eligible for more student aid and default will be removed from your credit history.


Hello. How are you doing today? I need to know which dental care benefits I qualify for, please.


Of course. First we need to find out your benefits class and the dental benefits you may qualify for.


My 100 % disabling rate won't suffice?


Correct, that alone doesn't qualify you for this benefit.


Well, what DOES qualify me for help with my dental insurance if I don't qualify for VA dental care?


Are you signed up for VA health care?


No, am not.


Are you signed up for our Civilian Health and Medical Program also called CHAMPVA, a health insurance program for dependents of Veterans?


No.


In that case I'm afraid that you can't buy dental insurance at a reduced cost through the VA Dental Insurance Program VADIP.


Ah, to hell with that then. What if I was eligible for VA dental care?


Then you might be able to get some or all of your dental care through VA . You can find out how to get VA dental care or how to buy dental insurance here if you don't qualify.


Well, yeah. We talked about that. So once again, if I can't get the VA dental care benefits, can you help me paying my dental insurance?


Yes, you may be able to buy dental insurance at a reduced cost through the VA Dental Insurance Program VADIP, if you meet at least one of the requirements.


Hello, hope you are well. How do I obtain/qualify for survivor benefits?


Have you lost someone recently, did you want to apply online?


Please let me know if you need to report a death


Yes I do need to report a death, how do I do so?


How is it verified?


It may be possible for your local Social Security office can contact your state Bureau of Vital Statistics and verify your information online at no cost to you


Will I need to file or apply for anything?


I will be glad to answer that for you You generally will not need to file an application for survivors benefits


How soon should I apply for them?


you should apply for survivors benefits promptly because , in some cases , benefits may not be retroactive


Why should I report a death?


We 'll automatically change any monthly benefits you receive to survivors benefits after we receive the report of death


Hello, can you tell me about acceptable proof of ownership for manufactured homes?


of course. For manufactured home from the model year 1995 and newer, you can use as proof of ownership the Certificate of Title, any acceptable proof of ownership from other states, among other documents.


Have you purchased a new manufactured home from a dealer?


No, I haven't.


What about proof of ownership for a new ATV?


for new ATVs, you can use as acceptable proof of ownership the Manufacturer's Certificate of Origin (MCO) or the Manufacturer's Statement of Origin (MSO).


And what can I use as proof of ownership for a trailer model 1976?


for that case, you can use either the NY State Certificate of Title (original or a certified copy) or a acceptable proof of ownership from any other state.


Ok, now I need to know about the proof of ownership for snowmobiles purchased from a dealer.


for snowmobiles purchased from a dealer, you can use as proof of ownership the Manufacturer's Certificate of Origin or the Manufacturer's Statement of Origin. There are some more options.


What in case the owner dies. How does the transfer go?


In case the owner is deceased, the Estates , Powers & Trust Law of New York State takes care of providing for the transfer but only through the property distribution of an estate set up by a Surrogate Court. The surviving Spouse, minor shield or next kin can't assume the ownership automatically.


Hey, I have some questions regarding the voter registration. Can you answer them?


Of course. Are you wondering if you are eligible to register to vote in New York State?


Yes!


To register to vote in New York State you must be a U.S. Citizen and at least 18 years old by the end of this year.


How do I know what my voter registration status is right now?


The NYS Board of Elections provides a website for New York State residents to check their voter registration status.


Ah, perfect. And do I have to put my signature on my voter registration application?


Do you agree to the New York State Department of Motor Vehicles Attestation in the voter registration application?


No, I haven't agreed with it.


So what happens next, after my voter registration application is submitted?


The electronic voter registration application is transferred from DMV to your County or City Board of Elections for review. Once processed, your County will notify you either that you are registered to vote or additional information is needed to complete your application.


I need help with disability.


When do your benefits begin?


I have already been approved, so I do not know.


So your application is approved?


Yes.


Your benefits should begin six months after your disability began.


Does it matter if I have medicare?


You may be eligible for help with your prescriptions.


Is there anything else regarding Medicare?


You may be able to receive health care services through private companies.


How can I learn more?


You will need to review Medicare's Prescription Drug Coverage Part D.


we need info on a temporary registration that is expiring on a possible sale


So you can't get the title certificate for a vehicle you sold and the temporary registration expires soon?


no


do you have more info about bond amounts?


Yes, the bond amount depends on the number of vehicles the dealer sold in the previous calendar year, or if the dealer is licensed as a franchised new dealer. We have a chart you can look at


do you have numbers for me?


I can link you to a chart you can look at


can you give me more surety bond info?


Do you want to get a surety bond?


no, just need more info


What is a benefits planner for retirement


Social Security retirement benefits are increased by a certain percentage depending on date of birth if you delay your retirement beyond full retirement age .


Do they increase?


Social Security retirement benefits are increased by a certain percentage depending on date of birth if you delay your retirement beyond full retirement age


Please explain further?


in some circumstances your Medicare coverage may be delayed and cost more


Does it increase


If you 've already reached full retirement age you can choose to start receiving benefits before the month you apply .


When can i choose to get them?


you can choose to start receiving benefits before the month you apply


Why are they delayed?


Delayed Retirement CreditsrSocial Security retirement benefits are increased by a certain percentage depending on date of birth if you delay your retirement beyond full retirement age


Hey, I am looking for help on how to get a fry scholarship.


Have you chosen a school yet?


Yes, I already have chosen a school.


In that case you should contact your school's certifying official to make sure your program is approved for VA benefits.


I already know that it is, but what should I do if I qualify for both the fry scholarship and DEA? Apply for both?


In that case, you'll need to choose which program you want to use. But beware: once you choose, you can't change your mind.


I understand, I have to choose one. Well, where do I apply for benefits then?


You can apply online now, or fill out a Dependents Application for VA Education Benefits VA Form 22-5490 and send it to the VA regional benefit office where you want to go to school.


But what if I've already started my educational program? Can I still get the benefits?


Of course, just ask a certifying official from your school or your employer to fill out a VA Enrollment Certification VA Form 22-1999. They'll need to submit it online using VA Online Certification VA-ONCE.


My dad died on a combat mission, 12 years ago. I've read that this qualifies me for several support programs, do you know which?


Yes, you can use both the Fry Scholarship and DEA. You can get up to 81 months of full-time training, but you can use only one program at a time.


Is disability really rare?


No your chances of becoming disables are higher than most people think.


Can I help someone else apply?


Yes a third party representative can apply on behalf of someone else.


Is it the same as applying myself?


Is SSI the same as Disability?


They are similar, but differ in how long you worked.


For the majority of people, the requirements are the same.


I wasn't able to work long before I got hurt.


If I can't work because of an injury, would I qualify?


Disability happens to more people than you would expect.


sdfgf


Sure, but first you need to know that there are two kinds of forbearance: general and mandatory.


Alright. What is the general one?


It's applies if you can not able to make our payments, but under certain circumstances. For example, are you having financial difficulties?


Oh, I see. But no, I'm not having issues of that kind right now.


OK. Are having extra medical expenses?


No, not at all, lucky for me.


Alright. And then, there is any change on your job or in employment?


No, not at all.


OK. Are there any other reason that could have influences to ask for a forbearance?


Not that I can mention right now.


If that's the case, you can be elected for a forbearance, if you don't have a value reason.


What do i do if i already have a lifetime sporting license or safe boating certificate?


You can request the icons be added to your DMV photo document


Does this apply to you?


Yes, but do I go to the DMV?


Yes at the DMV there is a $12.50 $5.00 for non-driver ID holders new document fee unless you are renewing


How do i take advantage of this new easy service?


you may choose to get your new DMV photo document with icons immediately


Is there a fee?


Yes. there is a $12.50 $5.00 for non-driver ID holders new document fee unless you are renewing your photo document during your visit


can i do this online?


online using the online sporting license system at the NYS website


Does this answer your question?


No


where can i get the i love NY custom plates?


they are available to individuals that hold a currently valid NYS department of environment issues sporting license


what help can I receive for a loan discharge on a school that closed?


Did you want to know about benefits you can receive on a closed school loan discharge?


no


Did you want to know if you can have nonfederal loans through private lenders discharged for a closed school?


Did you want to know about having loans for several programs at the same school discharged due to school closure?


yes, I started on something but went into a different degree but they closed on me before I could graduate


Only loans you received for a program that you were unable to complete because of the school’s closure are eligible for discharge.  If you initially enrolled in a program, but decided not to continue with that program and transferred to another program, and you were then unable to complete that program because the school closed, only loans you received for the second program could potentially be discharged.


but I can't finish either program because they did this not me so can't I get both loans discharged?


Only the loans you received for your second program could potentially be discharged


can I get the discharge if I go for the same degree at another school?


That will depend on certain situations.


Hello. I have some questions about the VGLI. Can you assist me?


Of course. With the Veterans Group Life Insurance you may be able to keep your life insurance coverage after you leave the military for as long as you continue to pay the premiums.


Yes, I have heard about that. Which conditions do I have to meet to qualify?


Did you have part-time Servicemembers Group Life Insurance as a member of the National Guard or Reserves?


No, I didn't.


Did you have SGLI while you were in the military and you're within 1 year and 120 days of being released from an active-duty period of 31 or more days?


Yes, that I did. All of the above.


In that case you may be able to get VGLI.


And what about the rates? How much do I have to pay for the benefits?


The VGLI premium rates are based on your age and the amount of insurance coverage you want.


Alright. Can I apply using a fax? It's not that common nowadays.


Of course. Simply fax the form to 800-236-6142.


hello i would like to get information about What is a co-debtor?


A co-signer is the spouse of an applicant who initiated an Income-Based Payment Plan Application.


are you a co-signer?


no


and who should give me the joint signature code?


The IDR applicant should have provided you with a joint signature code / reference number.


What if the application has already been completed?


In that case you will click on "Direct Consolidation Loan Applications" under "My Loan Documents" to locate you and provide you with the joint signature code you need. "Direct Consolidation Loan Applications" at "My Loan Documents" to locate and provide you with the joint signature code you need.


and what should i do to start?


SIGN IN TO GET STARTED


What if the applicant completed an Income-Based Payment Plan Application that was not part of a Direct Consolidation Loan Application?


You will click "Income Based Payment Plan Requests" under "My Loan Documents" to locate and provide you with the reference number you need. "Income Based Payment Plan Requests" under "My Loan Documents" to locate and provide you with the reference number you need.


I have questions about financial aid and student loans.


I will be happy to assist you with this.


Will you be taking out a student loan?


I haven't decided yet.


What are some types of financial aid?


There are several types of financial aid, including grants, scholarships, work-study, and loans.


I'm having trouble viewing the Federal Student Aid Video on your website. What should I do?


Try clicking on the link that says, "view accessible version".


Thank you. The link worked. What about scholarships?


There should be information about scholarships in the video.


Does financial aid work for career schools, as well?


Absolutely. A student can receive financial aid for both college and career schools.


can you tell me about CHAMPVA benefits?


Are you the spouse or surviving spouse of or a child of a Veteran with disabilities or a Veteran who has died ?


yes


[4] you may be able to get health insurance through the Civilian Health and Medical Program of the Department of Veterans Affairs CHAMPVA .s     [5] Through this program ,s [6] we cover the cost of some of your health care services and supplies


you cover the cost of what health care services and supplies?


[4] you may be able to get health insurance through the Civilian Health and Medical Program of the Department of Veterans Affairs CHAMPVA .s     [5] Through this program ,s [6] we cover the cost of some of your health care services and supplies .


Can I get health care through CHAMPVA?


Are you the spouse or child of a Veteran who s been rated permanently and totally disabled for a service - connected disability by a VA regional benefit office?


then you can get health care through CHAMPVA


what if I qualify for TRICARE?


You can only get health care through CHAMPVA if you don t qualify for TRICARE


Where can I get information on obtaining a CDL permit?


Information for obtaining a CDL permit can be found in the CDL Permit Rule.


I don't need information about the CDL Permit Rule. I need information on obtaining a CDL.


Would you like to see additional resources regarding CDL permits?


Yes, I would like to see these resources.


The DMV License Event Notification Service, New York Vehicle and Traffic Law, and Federal Motor Carrier Safety Administration are all resources that you can use to obtain information about CDL permits.


What is the CDL Permit Rule?


The CDL Permit Rule is a regulation amended for CDL standards by the The Federal Motor Carrier Safety Administration(FMCSA).


What is a CLP and how is it different from a CDL?


CLP or Commercial Learner Permit are permits, whereas CDL(Commercial Driver License) is the actual license.


Can a CLP be suspended or revoked like a CDL?


Yes. According to New York, they are required to apply federally mandated commercial suspensions and revocations.


Where can I find more information about the CDL Permit Rule?


Information on the CDL Permit Rule can be found in 49 CFR Parts 383, 384, and 385. Information is also posted on the Federal Register.


help me with student info being stolen, cause I'm worried


Would you like to know how to reduce your risk of identity theft when applying for financial aid?


not for financial aid, all my info you have


You can protect yourself by having a strong password on your FSA ID.  Do you need help changing your FSA ID password?


no I know how


Would you like to know how the Department of Education keeps your information safe?


yes that'll help with my concerns


We value the privacy of your personal information. The information you share with us goes through a process called encryption. Encryption uses a mathematical formula to scramble your data into a format that is unreadable to a hacker.


what do I do if I forgot my security questions to change my password?


You will need to go through the FSA ID Account Recovery process. You’ll send in copies of identification, and the email address on your account will reset to one you can access.


can we get help with the forms if we have problems?


Yes, several websites offer help filling out the FAFSA form for a fee, but we urge you not to pay these sites for assistance that you can get for free elsewhere


Hey there. I've been having troubles to send some documents. I would like some help.


I'm here to help you. Have you filled a claim for disability compensation?


Yes, that's right. I'm trying to get some help with a disability compensation.


Ok, no problem. You just need to provide all the information you can to us, like medical test results and doctor's reports. And upload them online.


But do I upload the documents you are asking me?


You have to use our claim tracking tool. Which also will help you to track the status of your claim.


If I get new documents, can I upload them too later?


Yes, you can. You can provide new evidence for up a year to support your claim.


Which kind of documents can I send to you or you need that I send to you?


Amount the documents you can send there most be doctor's reports, but also documents as x-rays will be helpful.


Can I send also any kind of recommendation letter or something like that?


Yes. You can also send statements from people who know about you and your medical condition as support.


Perfect. A  last question, for how much time I'll be able to upload more evidence to support my claim?


You'll be able to upload more documents for up to one year from the date we receive your claim.


Hello, I would like to obtain information about Social Security Credits


Of course You must earn at least 40 Social Security credits to qualify for Social Security benefits. You earn Social Security credits when you work and pay Social Security taxes.


How much credit should I have before I become disabled?


you must have at least 20 credits in the 10-year period immediately before you become disabled


What is the Number of credits needed for retirement benefits?


were you born after 1928?


no


What do I have to do to be eligible for disability benefits?


You must complete a recent work test and a duration work test.


What if I don't have enough credit?


We cannot pay you benefits if you do not have enough credits. We use the amount of credits you have earned to determine your eligibility for retirement or disability benefits, as well as your family's eligibility for survivor benefits when you die.


Hi. I want to continue receiving your federal student aid, what must I do to remain eligible?


You must continue to meet the basic eligibility criteria, make satisfactory academic progress, and complete the FAFSA every year.


And who defines the financial aid policies?


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


And what reasons would they take if an academic process is not satisfactory?


Reasons for appeal generally include the death of a family member, illness or injury, or other special circumstances;


And how often should I complete the form?


I already filled out the FAFSA form?


And once I meet the requirements, should I always meet them?


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.


How can I get information about foreign programs for VA


Of course, do you plan to study in a foreign school?


do not


What requirements do I need to meet?


Are you eligible or already receiving VA educational assistance as a veteran, service member, reservist, or qualified dependent?


since you do not meet all the requirements you can not get educational benefits sorry


What should I do before I enroll?


You can send us a question through the GI Bill website. Go to the GI Bill website You can also send us a request for information on the approval status of your program by mail. Submit your request


and I have another question, do you accept school titles in foreign countries?


We will accept degrees from schools in foreign countries that are similar to degrees from accredited American colleges and universities. Accredited means that a group of experts has confirmed that the school meets certain recognized quality standards.


OK thanks. If I am outside the United States, what number can I contact?


call + 1 - 918 - 781 - 5678, Monday through Friday, s [90] from 8:00 a.m. at 7:00 p.m. we're at your service


I have passed my road test, now what?


You will receive an interim license that allows you to drive. Keep the interim license with your photo learner permit. You will receive your photo driver license in the mail  in about 2 weeks.


What should I do if I am 17 years old and I have a DJ Class driver's license?


You must obey the restrictions for junior drivers. Please, see "Graduated Driver License GDL Law and restrictions on drivers under age 18" for more information.


I would like to pay for additional tests, how can I do it?


Did you fail your road test?


Sadly yes


You can pay for additional tests online or by phone.


How can I get one a Pre-Licensing Course Certificate MV-278?


First of all, see "Prepare for your road test". Then the fee for up to two road tests for a non-commercial license is included in your $10 driver license application fee. The earliest date is within three to five weeks.


My temporary learner permit is without a photo... is this a problem?


You must show a NY State photo driver license or a NY State non-driver ID Card, Photo documents from other states are not acceptable. The vehicle must have functional seat belts, headlights, windshield wipers and other equipment, a front passenger area and a seat belt free of debris, clutter or debris that may stain or damage the license examiner's uniform, and a driver's door front passenger that can be opened from inside the vehicle.


Hi, I'm a veteran and I want to know about technology education courses


Do you want to gain experience to start or advance a career in the technology industry?


Oh, No, I just want to do something different


So may I be eligible?


Are you on active duty?


No, I'm not an active duty service member


In that case, you can't be eligible for this program


May I be eligible for another program? one of the VET TEC program?


Yes there are some other options you may be eligible for


Ok, one last question, If I start a training program will I need to attend it in person?


Yes, but also if you attend it in person your housing stipend will be equal to the monthly military Basic Allowance for Housing for an E-5 with dependents, and this will be based on the zip code where your training takes place.


If I have a Complaint filed against my business


The New York State Department of Motor Vehicles DMV regulates all repair shops , inspection stations , dealers , vehicle dismantlers and other related businesses in New York


you want to know how to legally operate as such a business


not


but what would be the requirements?


you must register with the DMV . Once your application is approveds  you will receive a certificate from the DMV


Should I file a complaint against an inspection station or a certified inspector?


please report a problem with a DMV regulated automotive business


can you give me details of Investigation process


The AFI will conduct a formal investigation . The result may be no action , a warning letter Notice of Investigation placed in your file , or a formal administrative hearing before an Administrative Law Judge ALJ


want to know When Vehicle Safety starts the hearing process


yes


you may be offered the opportunity through a " hearing waiver " to admit to the charges and to either pay a specified monetary penalty and/or to accept a suspension


if they don't approve it?


If they are not successful , they are advised to contact the DMV Consumer & Facilities Services Complaint Unit . protect your business : keep a copy of all work orders in an easy - to - access location


What is a Master Promissory Note (MPN) for graduate students?


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.


Are there different MPNs for different types of loans such as Direct Unsubsidized and Direct PLUS Loans?


Yes, each type of loan has a different MPN that you have to sign.


When would I use an MPN for Direct PLUS Loans?


Use the MPN for Direct PLUS Loans which are available to those who are eligible.


Who should complete this DEMO?


Do you know it will take 30 minutes?


No, did not know that.


What do I need for access?


You would need a verified username and password FSA ID to access it.


I just became disabled and I need to know how long I have to wait to apply for benefits.


I can certainly assist you with any questions you have. You should apply for disability benefits as soon as possible after becoming disabled.


Oh, that is good to know! How do I apply?


You can either apply over the phone at 1800-772-1213, or through our website.


So since I have already become disabled, I should be able to apply right away?


Yes, since it takes time to get approved, the sooner you apply, the better.


How much time does it take?


Social Security benefits become available after the sixth full month of disability.


Do you have any more questions about the waiting period?


If I became disabled a year ago but apply this month, do I still have to wait six months?


Is there anything I can read on my own to help me with all of this?


The Disability Starter Kit can help you get ready for a disability interview or the online application process.


Should I sign up for Medicare Part B?


Have you signed up for Medicare?


I haven't.


under what circumstances can I qualify for a SEP?


You could, for example, qualify for a SEP and sign up for Medicare Part B in the 8-month period that begins with the month after your group health plan coverage or the employment it's based on ends.


What if my group health plan coverage ends during my initial enrollment period for Medicare Part B?


then you wouldn't qualify for a SEP.


where can I get more information about enrollment periods for Part B?


You can read the information about general and SEP in our booklet or talk to your personnel office.


In my case, I'm older than 65 and have medical insurance coverage under a group health plan based on my current employment. Do I qualify for a SEP?


You may, yes.


How would affect me if I decide to apply for Medicare part B later?


It can cause a delay in your coverage and you may have to pay a higher premium later, unless you qualify for a SEP.


I would like to know, how you determine eligibility?


About copays?


Yes!


You need any information?


Yes.


You have informatioon about care enhanced eligibility status?


No, I need it.


You have a problem to provide your income information?


I should ?


Absolutely not.


The information you provide shows that your income falls below our limits and qualifies you for free VA health care , medications .


Ok.


how do I apply for benefits


Apply for benefits online f you want to apply for retirement benefits , disability benefits , or just Medicare


How do I complet an online application?


f we are not able to process you request  you cant complete your application online


What do I do if you are not able to process my online request?


you will receive specific information on how to contact us by phone or schedule an appointment


What information is there for surivvors benefits?


Use our Survivors Planner to learn  how your family members are protected


Can I do this online?


you can complete your application online


What about spouse benefits?


Even if you never worked under Social Security   you may still qualify for benefits if you are the spouse or divorced spouse of a retired worker


If I decide to keep working after retirement how much can I earn and still get retirement benefits?


Are you younger than full age retirement and make more than the yearly earnings limit?


No.


but what if I'm under full retirement age during the full year before full retirement age?


then you'd get deducted 1$ for every 2$ you make above the yearly limit. The yearly limit for 2019 is 17640$.


What its the full retirement age?


66 for those born between 1943 and 1954. And from 1955 onwards, two months are added for every birth year until the full retirement age reaches 67 for people born in 1960 and later.


So I can actually keep my benefits while working, even if with a deduction, right?


Yes, that's correct.


What's the earning yearly limit again?


as of 2019, the limit is 17.640$


how Get a driver license


you want to know how is the Trial period for new drivers


not


you want to know how long your first license is valid


you want to know about drivers from other countries


yes


You can drive in New York State with a valid driver license from another country . You don t need to apply for a New York State driver license unless you become a New York State resident .


If i choose to get a New York driver license following the steps explained on this page


you must give your foreign driver license to the DMV road test examiner. The local DMV office will destroy your foreign driver license after 60 days


If I live in a house in New York State for 90 days, is it considered "alleged evidence" that you are a New York State resident?


A police officer can use this as evidence to issue a traffic ticket if you drive in New York State without a New York State driver license or vehicle registration . A judge considers the law and the evidence of your intent and decides if you are a resident of New York State


I need more information


hi i need help about GI Bill Eligibility and Other Education Benefits


Of course we can help you Learn about the GI Bill eligibility requirements and find out if you can get these benefits. VA educational benefits can help you pay your tuition, choose a school, choose a career, and more.


Are you an active duty member or veteran, a member of the National Guard or Reserves, or a survivor or qualified dependent?


do not


Can I get educational and professional advice through VA?


You may be able to obtain educational and professional advice, also called Chapter 36, if you will be discharged from active duty within 6 months. s You may also qualify for these services if you separated from active duty no more than 1 year ago, did not receive a dishonorable discharge, and qualified as a Veteran for educational assistance under a VA educational program....


What requirements do I need to meet?


Do you have a 6-year service obligation that you agreed to serve 6 years in the Selected Service?


Yes


Are you a Selected Reserve Officer who agreed to serve 6 years in addition to your initial service obligation?


Does it meet the other requirements?


We regret to inform you that you may not be able to obtain the benefit since it does not meet all the requirements


I need a quick lesson on complaints and all of that


Has a complaint been filed against your business?


yes


Okay, well a Consumer Services Rep from the DMV will contact you in an attempt to resolve this complaint. The CSR will explain the nature of the complaint and will also inform you of your rights, responsibilities, and your liability.


what if we think there was no wrongdoing from our part and we say no to resolving this in favor of the person who complained?


If any offer is rejected then a hearing must be held


who gets involved if we don't come to an agreement when the DMV consumer rep tries to resolve this?


If it is not resolved the case will be sent to an Automotive Facilities Inspector for a formal investigation.


what might the hearing end in?


The result of the hearing may be no action, a civil penalty, and/or a suspension or revocation of your ability to operate as a vehicle related business in New York State. You may also be offered the opportunity to pay restitution to the consumer in instead of the fines and/or penalties, or to have the penalty reduced.


and the DMV runs all of this?


The New York State Department of Motor Vehicles (DMV) regulates all repair shops, inspection stations, dealers, vehicle dismantlers and other related businesses in NY State.


Where do I get my benefit verification letter?


Get your Social Security Benefit Verification Letter online


Whee do I log in at?


Just log in to my Social Security to get instant access to your benefit verification letter .


yes, okay


The benefit verification letter , sometimes called a benefits letter , or a Social Security award letter , serves as proof of your retirement , disability , Supplemental Security Income SSI , or Medicare benefits


What if I already have an account


Sign In to your account below and go to Replacement Documents on the right side of the screen


where can I get more info and ask more questions?


call our toll - free number at 1 - 800 - 772 - 1213 or visit your Social Security office


If i do not have an online account is it easy to make one?


Creating a free my Social Security account takes less than 10 minutes , lets you download or print your benefit verification letter , and gives you access to many other online services


What is a Social Security Benefit Verification Letter?


Tell about the investigation process


The AFI will conduct a formal investigation. The result may not be any action, an investigation notification warning letter placed in your file, or a formal administrative hearing before an administrative law judge (ALJ).


Did the vehicle safety start the hearing process?


No, not yet


Was the waiver accepted?


Yes, it was


In that case, no hearing is required


What if I am revoked?


Then you need to surrender all supplies and cease to operate


What if the offer is rejected?


A hearing must be held


And what happens if the ALJ only imposes civil penalties?


To avoid losing your operating privilege, you must pay all fines and penalties. You will receive a letter from the DMV after the hearing.


How do I apply?


I will be glad to help you with that. Apply Onlines The easiest and quickest way to apply for retirement , spouse 's , ex - spouse 's , or Medicare benefits is to apply online .


Are you deaf or hard of hearing?


No I am not


Is there a way to apply online?


The easiest and quickest way to apply for retirement , spouse 's , ex - spouse 's , or Medicare benefits is to apply online .


is there other ways?


YEs there is. Apply By Phone Call us at1-800-772-1213.


When I apply what info do I need?


Please be ready to supply the information we need to approve your application for these benefits :      You Need To Apply For Retirement Benefits Or Medicare - Form SSA-1 [ nformation


Are ther eother websites?


Benefit Eligibility Screening Tool BEST to help identify other Social Security programs for which you may be eligible


what if I am not ready to retire?


If you are not getting Social Security and you are not ready to retire , you should still use our online retirement benefit application to sign up for just Medicare three months before your 65th birthday


what information doi need?


Please be ready to supply the information we need to approve your application for these benefits


I need a replacement Social Security Card and want to know what I need to bring with me?


You might not need to get a replacement card as long as you know your Social Security number, but if you absolutely need a replacement then you can replace your Social Security card for free if it is lost or stolen .


You can also request your replacement Social Security card online . If you are age 18 or older with a U.S. mailing address and have a my Social Security account ,you can apply for a replacement card online .  Will you be getting your replacement card online?


Yes, it will be easier for me


Okay, it's easy to apply for a replacement card online. For more information about creating my Social Security account and getting a replacement card online ,visit our Social Security Number and Card website .


What documents will I have to have at hand?


If you have not already established your U.S. citizenship with us , we need to see proof of U.S. citizenship. We can accept only certain documents as proof of U.S. citizenship. These include a U.S. birth certificate or U.S. passport .


Also, do I need any type of ID card?


We can accept only certain documents as proof of identity. An acceptable document must be current not expired and show your name , identifying information date of birth or age and preferably a recent photograph


So you need to see like a license or state ID card as proof of identity?


as proof of identity Social Security must see your U.S. driver 's license, state - issued non - driver identification card or U.S. passport .


What if I don't have any of those with me?


If you do not have one of these specific documents or you can not get a replacement for one of them within 10 days , we will ask to see other documents. Any documents submitted , including the following , must be current not expired and show your name , identifying information, date of birth or age and preferably a recent photograph. Documents such as Employee identification card, school identification card, health insurance card not a Medicare card , or U.S. military identification card are accepted.


Where do I go again to get my replacement Social Security card online?


Visit our Social Security Number and Card website .


What happens if I get a traffic ticket in another state?


the Violations was in motion?


yes


Your NY State Driver License will be suspended if you fail to answer a ticket for a moving violation in any state except Alaska , California , Michigan , Montana , Oregon or Wisconsin


How does Criminal Negligence Convictions work?


The New York State DMV records the out - of - state convictions of any New York driver for criminal negligence , homicide , or assault , which arise out of the operation of a motor vehicle and which results in death


have you already been given the result of the sentence?


not


If I have a previous alcohol-related driving conviction?


your license will be revoked for at least one year or until the age of 21 , whichever is longer


If I'm over 21 and commit the violation


your New York State driver license will be revoked for at least 90 days .  Out - of - state drivers ticketed in New York State should contact the Motor Vehicle Department of their own state or province about the effect of a conviction in New York State .


Hello. I want to ask some things about retirement benefits.


Well, there is the GPO option, is that what you're looking for?


Yes, that's the one i need info about.


Good, Are you going to receive a pension for a work not covered by Social Security then?


Yeah, i will.


Very well. Then, if you're going to receive that pension, under GPO the benefits you may be eligible to receive from your spouse record may get to be reduced.


I see. Can you tell me if that applies equally in case i retire before full retirement age?


That would be correct. If you happen to retire before full age of retirement, then your benefit amount as a spouse get reduced. Of course, it has to do with your age, and in that regard, maximum reduction can hit 30 percent, at age of 62.


Umm seems a little complicated. What can i do if i need more information?


You can call to any of our free toll numbers or yo can contact your nearest Social Security ofiice, for more information.


Ok, i'll do that. Now, what can i do if in any case, i don't have access to my spouse estimates or records?


As with the question before this, you better call to our toll free numbers or go to your nearest SS office.


Ok last question. Is there anything that could affect my benefits as spouse?


Well, if you has a bigger benefit based on your spouse earnings, that will have an effect on your benefits as spouse.


hi i need help about Cooperative Training


You should first know that a cooperative college or university training program allows you to gain full-time work experience between periods of going to school full-time. You may be able to get help paying for some of your costs, like books, tuition, and housing, if you are part of a cooperative


How much will I earn if I join a cooperative training program?


The amount we cover depends on the benefit you use.


Can you help me with this benefit?


You may be able to get help paying for some of your costs, like books, tuition, and housing, if you are part of a cooperative


What happens if the program is in a private or foreign IHL?


If the program is in a private or foreign IHL, we pay the lesser of the national maximum or the actual costs of tuition and fees within the state. We also pay part of the cost of housing and books.


Who is covered?


Veterans only


What requirements do I need to meet?


You are using VA educational assistance


do not


We regret to inform you that you may not be able to obtain the benefit since it does not meet all the requirements


y You may be able to get money for books, tuition and housing?


of course You may be able to get money for books, tuition and housing if you meet all the requirements


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.


Well, firs of all, you need to be informed. Have you looked into any information about Student Aid?


No, i haven't did that.


I see, you mean then you have not compared any Aid Offers?


Oh yeah, I did that, because i wanted to know which aid could be more friendly to me.


Excellent, I assume you reviewed school's financial aid packages then. That was a good call.


Thanks, I thought it was the right thing to do. Say, I heard about some Loan Agreement, is that something I also have to do?


Yes, is one of the next steps after your submission. Before that, you must complete a Master Promissory Note or MPN.


MPN, huh? Got it. Em, Any advice session or counseling is coming here?


Yes, that's something you'll get before receiving your first loan, a complete counseling.


Oh, do you mean like, complete, complete?


That's right. A complete entrance counseling. It is mandatory before you receive your loan.


Hello there, I need some information regarding my appeal status.


Of course. Do you want to find out how to check the status of a VA claim or appeal online?


Actually, can you explain to me how to use this online tool?


Gladly. To use this tool, you'll need to have either a free Premium My HealtheVet account or a free Premium DS Logon account used for eBenefits and milConnect.


I already have a Premium My HealtheVet account. That will do?


Yes, a Premium My HealtheVet account will do just fine.


So... if I use this tool, will my private information be safe?


Yes, this is a secure website. We follow strict security policies and practices to protect your personal health information.


Do you want to print or download anything from the website?


No, not at all. That was never my intention.


But tell me, can I somehow contact you if I have more questions?


Yes, you can. Simply call us at 800-827-1000. We are here Monday through Friday , 8:00 a.m. to 9:00 p.m. ET.


Hi, I am looking for information on the Direct PLUS Loan Application for Parents


Are you aware of the application process for parents for a Direct PLUS Loan?


Yes, but I may need some help with it


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


May I ask, are you a parent borrower?


No, I'm not


How do I apply for a PLUS Loan through the FSA?


To start with, you need to log in to the website with your own personal login credentials


Will it cause any problems for me if I have placed a security freeze on my credit file when applying for a Direct PLUS Loan for Parents?


In order to proceed, you will need to have this freeze removed at whatever credit bureau before proceeding. If you possess a security freeze, your application cannot proceed


Do I have any options in relation to where the proceeds of the Direct PLUS Loan are sent?


You may designate whether your school can send credit balance to either yourself or to the student


Hello, I would like to know what original documents do I need to obtain a Social Security Card?


for Immigration status?


want to test your child's immigration status in the United States?


no


that could reduce the amount of my child's benefits?


Prevent your child's wages from being properly recorded in your child's Social Security record, which can reduce the amount of your child's future Social Security benefits.


Which immigration documents are acceptable?


Among the documents are I-766 Employment Authorization Document, EAD, DHS Work Permit.


What do I do if I don't have one of these specific documents?


Do you have the Employee Identification Card?


yes


then you can prove your identity with the US Passport.


and if the document is expired?


An acceptable document must be current, not expired and show your name, identifying the date of birth or age and preferably a recent photograph.


What risk is there if I had exposure through project 112 or project SHAD?


Were you part of chemical and biological warfare testing through project 112 or project SHAD?


No I wasn't


Who is covered if they are part of this testing?


Veterans and qualified survivors


What criteria must be met to get disability benefits from the VA?


Were you part of Projects 112 or SHAD testing from 1962 to 1974?


Yes


Do you have an illness believed to be caused by testing?


I believe so


You may be able to get disability benefits since you meet both criteria.


please show me information about Camp Lejeune water contamination health issues


If you served at Marine Corps Base Camp Lejeune or Marine Corps Air Station MCAS New River in North Carolina


yes i served at Marine Corps Air Station MCAS New River


Scientific and medical evidence has shown an association between exposure to these contaminants during military service and development of certain diseases later on .


and how they determine if I am eligible for benefits


you just have to meet some requirements


if you tell me what is the way to get disability benefits from VA


Served at Camp Lejeune or MCAS New River for at least 30 cumulative days from August 1953 through December 1987


no, i not served at MCAS New River for at least 30 cumulative days from August 1953 through December 1987


Remember that to get the benefits, you must meet the requirements.


tell me then otherwise there is another way to get the benefits


If you have qualifying service at Camp Lejeune and a current diagnosis of one of the conditions listed , you may be able to get disability benefits


family members covered for health care?


yes Veterans who served at Camp Lejeune or MCAS New River for at least 30 cumulative days from August 1953 through December 1987 and their family members can get health care benefits .


please tell me , Who s covered?


Veterans,  Reservists and  Guardsmen.


Hello, I need to know what to do in case my vehicle is stolen.


Was your vehicle stolen?


Yes, what should I do?


you have to report it to the police inmediately. The police will input the records of your vehicle in the national and state auto theft computer records to prevent the selling of the vehicle and that someone applies for a title.


And what to do if my vehicle suffers any damage?


You would have to contact your insurance company and not apply for plates or registrations until the insurance company solves the matter.


and what should I do after recovering my plate and filled the MV-78B form?


for that matter, you can bring the plate to a DMV office and apply for new plates and re-instate your registration.


Now please, tell me about what to do after the vehicle is recovered.


In case the vehicle is recovered, the first thing you should do is to make sure the police cancel the alarm of stolen vehicle so the recovery can be listed on your title record. You should not use your vehicle until the police cancel the alarm.


Right, now what if my plates are stolen?


For stolen plates you can ask the police to complete a "Report of Lost or Stolen Motor Vehicle Items" form MV-78B for the stolen plates. This is a different form from the stolen vehicle report and you can get it only from police agencies, not from the DMV.


One more thing. What if the vehicle is not recovered?


In case the vehicle is not recovered, you may have to transfer the ownership to your insurance company using your title certificate.


Is there anywhere that I can view copies of DMV records and if so, when can I do this?


After 20 business days of the receipt of the FOIL Office's written acknowledgement of your request, most DMV records are available for viewing, these records can rarely be produced on the day that they are requested


Can I be contacted by phone if I provided a number with my request?


When the requested records are ready to be viewed, the FOIL office will call you. Otherwise, you will be notified by mail


In the event that I am unhappy with the DMV's response to my FIOL request, can I appeal this?


Yes, if the DMV has denied your request completely or partially


How do I appeal it?


You must appeal in writing within 30 days of the denial of your FOIL request. This appeal has to identify the date of your record request and a description of the denial


What do I do when I am informed that the records I requested are ready for viewing?


What is VR&E Reemployment track?


Are you a Veteran?


Yes, I am a Veteran.


Then you are protected under the Uniformed Services Employment and Reemployment Rights Act USERRA, which means you can't be discriminated against because you spent time in the service.


Will it be possible for me to get help returning to my former job through VR&E?


Yes, you could be eligible for help since you are a Veteran with a disability because you served in the military.


What particular requirements do I need to use VR&E?


Do you have a handicap or employment barrier?


No, I do no have an employment barrier or handicap.


Unfortunately, you are not eligible at this time.


What can VR&E help with?


VR&E can help your employer accommodate your needs, your VRC can provide a full line of rehabilitation services and refer Department of Labor to begin the process.


I need information about veterans vocational rehabilitation programs.


Are you a Veteran or service member with a service - connected disability that impacts your ability to work?


No


Can I return to my civilian job I had before I was deployed?


You may have the right to return to the civilian job you held before you deployed .


What if I can't return to work and need to learn to live independently?


Learn about services that can help you live as independently as possible if you ca n't return to work right away


Is there job search support?


If you want a job that matches your existing skills , find out if you can get employment counseling and job - search support .


What if I'm self employed or want to start a business?


If you re a service member or Veteran with a service - connected disability , find out how we can help you start your own business .


Hello, can you explain what I have to do if I don't have a liability insurance?


Do you NOT have insurance, or is it just about to expire and you don t plan to replace it?


Yes, I don't have insurance currently.


In that case you need to surrender your vehicle plates to the DMV immediately.


The other day I also got a letter in the mail saying that my insurance lapsed. I have insurance, so what should I do in that situation?


Simply follow the instructions in the letter and contact your company or agent about the problem. Ask your company to file a notice of coverage with the DMV electronically.


What if I don't have insurance after all?


In that case you need to surrender your vehicle registration and plates to the DMV immediately.


Hold on. My wife just showed me another letter, in it they write that my license is suspended. What should I do now?


The letter means your insurance company notified the DMV that your insurance coverage ended, and that no other company notified the DMV about new coverage.


But what if I do have insurance?


Then you should follow the instructions in the letter and contact your company or agent about the problem. Ask your company to file a notice of coverage with the DMV electronically.


All that trouble, even though I am insured. But no can do. Any pointers on what I shouldn't do in my situation?


Do not use your vehicle if your insurance coverage is cancelled, even if you think it is a mistake and keep the plates while you resolve a problem with your insurance company.


Hello, could you give me information about Life Insurance for disabled veterans in the S-DVI service


Clear. S - DVI Disability Veterans Life Insurance provides low cost coverage to eligible service members.


What should I do if I have a disability related to my service?


If you have such a disability, find out how to apply for S - DVI online or by mail.


O well. But what if I need help with my claim?


Do you have questions about the Service - Disabled Veterans Insurance or a VA life insurance policy?


yes


You can call us at the VA Life Insurance Center at 800 - 669 - 8477. s [78] We are here from 8:30 a.m. at 6:00 p.m. we will gladly assist you


Who is covered in this insurance?


it's only for veterans


okay. and what requirements should i meet?


Were you released from active duty on or after April 25, 1951 and did not receive a dishonorable discharge?


do not


since you do not meet the requirements you cannot request S - DVI


ok I understand. but what does the term veteran mean to you?


If you want more information about our definition of veterans, you can call us at the number indicated above


Hello there. What can you tell me about medicare premiums?


The law requires an adjustment to your monthly Medicare Part B medical insurance and Medicare prescription drug coverage premiums. This affects less than five percent of people with Medicare. Most people don t pay higher premiums.


What if I suddenly earn a lot more at my work?


Do you have a higher income now?


No, I'm just asking.


What would you do if you determine that I'm a higher-income beneficiary, anyway?


You'd pay a larger percentage of the total cost of Part B based on the income you normally report to the Internal Revenue Service IRS. You'd pay monthly Part B premiums equal to 35, 50, 65, 80, or 85 percent of the total cost, depending on what you report to the IRS.


What if I amended my tax return?


In that case, if it changes the income to determine the income-related monthly adjustment amounts your MAGI, you should inform us about it.


And if I'm a higher-income beneficiary, what happens then?


Then we deduct this amount from your monthly Social Security payments regardless of how you usually pay your monthly prescription plan premiums.


hello could you help me to choose the MPN of direct loan that I want to obtain


are you an undergraduate student?


yes


In that case Use this MPN for Direct Subsidized Loans or Unsubsidized Direct Loans available to eligible undergraduate students.


ok and could you tell me what a Master Note is?


Of course The Master Promissory Note MPN is a legal document that promises to pay your loan and accrued interest and fees to the US Department of Education.


Where can I see more information on the page?


click on View demo there will have more information


and is that MPN legal?


The Master Promissory Note MPN is a legal document that promises to pay your loan and accrued interest and fees to the U.S. Department of Education.


and what does that document do?


It is a legal document in which you promise to pay your loan and the accrued interest and fees to the US Department of Education.


Good morning, how you doing?. I was a service member sometime ago and i think i was exposed to some hazards out there, can you help me?


Did you served in Iraq, Afghanistan or any related areas?


Yeah, that's correct. It does affect me?


You may, indeed. If you served on those areas, you may have illnesses or other conditions believed to be caused by these toxic chemicals in the air, water, or soil.


Oh, that doesn't sounds good. Then i guess i'll have to file some requests on that, isn't?. What happens then?


Well, if you file a request, then you'll have to show that your health issue is related or linked to your contact with certain enviromental hazards while serving with the military.


That would need to be a disability claim, isn't?


That's correct. Although, more specifically, would need to be a disability compensation. Remember you have to prove that you were in contact with the hazardous element.


O.k., i'm taking notes about this. Could you tell me who is covered by this?


Sure. This apply for veterans only.


Well, that was kind of obvious, i think. What about the things i was supposed to be in contact? Which things?


Yeah, in certain way it was pretty obvious. In regad to your question, materials include the following: Particulate matter or large burn pits in Iraq, Afghanistan and Djibouti in the Horn of Africa.


Um, o.k. Lest say i'm able to get these coverage. What i would get, then?


No problem. Basic things you'll get would be Health care and compensation payments.


Hey, i'm want to get a driver license, but i was told i must get a novice or apprentice card or something. Could you help me out there?


What you are talking about is a learner permit. That's one of the first things in your to do list to get a driver license. In order to apply, you must be 16 or older.


Oh, really? So i have to start from there, huh? I guess i'll be required some preparation, right?


That's right. Because you'll have to prove your driving skills on a road test, you'll have to comply with have supervised driving practice and take a pre-license course or driver education course before you take your road test.


Are you under 18 right now?


Yeah, i'm 17 right now.


Good, That implies that you'll have to wait at least 6 months to schedule your road test, once you hopefully get your learner permit.


Oh, that's quite some time. Oh, well. In case i pass that test, Will i be able to keep my temporal permit?


Sure, In fact, you keep that interim license until your new license arrives by mail in a 2 weeks time.


If i need to read about this on your platform, How i must search for it?


Do your search under the "Driver License" topic.


Umm ok. A last question. How many questions i must answer correctly in order to pass the test?


You must get at least 14 of the 20 multiple choice question correct in order to pass.


How your benefits may change from year to year


Not always . We require a new Yellow Ribbon Program agreement each year .


my school has an approved agreement and participate in the program


they must continue to offer the Yellow Ribbon benefits to you the next year as long as you meet all of the requirements


How much funding you ll receive through the program


Your school s agreement with us states how much it will contribute and how much we ll match . This amount makes up all or part of the difference between what the Post-9/11 GI Bill will pay and the unmet tuition and fees .


Are all the requirements mandatory?


yes, Make acceptable progress toward completing your program according to your school


no


then you are not eligible for YELLOW RIBBON benefits


Yellow Ribbon funds may cover any mandatory required fees for your education program


Yellow Ribbon and Post-9/11 GI Bill funds won t cover any fees that aren t mandatory , such as :  Room and board


you can get some or all of that extra amount paid . We ll match the amount your school contributes to the program .


Hello, can you tell me how to access the services?


Of course. You may be able to use one or more of these services if you meet all of the requirements.


Oh. What are the requirements?


Are you signed up for VA health care?


No, not yet.


I'm afraid that you can't use our services then.


But what if I sign up for your VA health care? Can I use more than one of the services you offer?


Yes. In that case you may be able to use more than one service at the same time.


Provided I sign up, what services can you offer me?


You can get help managing your disability or health condition while living at home, for example. The services you qualify for will depend on your needs and whether a service is available in your area.


And how can I pay for those services?


You may be able to pay through Medicaid, Medicare, or your own private insurance.


hi can you help update my FAFSA application


Of course we can give you information so that you learn what types of corrections and updates you can do and how to do them.


Want to know what changes you can make to your FAFSA once it has been processed?


no thanks


Do you want to know how to make changes to your FAFSA?


Is it possible to change the information later?


There are some cases in which you will want or need to change the information you reported.


If the number of family members changes as a result of a change in my marital status, what should I do?


in that case you should speak to the financial aid office of the school you plan to attend to determine if you can update the FAFSA form


What if you made a mistake in what you reported on the FAFSA?


you will need to make a correction. Find out how to make changes to your FAFSA information


Hello there. I don't have VA health care benefits and I wanted to see if getting care was still an option.


Of course. You may still be able to get care.


Look, I'm a Veteran. I have served this country for as long as I remember, been in an actual war for our nation. Don't I deserve some sort of care if I served America?


You do. If you've served in a combat zone, you get free private counseling, alcohol and drug assessment and other support at one of our 300 community Vet Centers. All you need to do is find a Vet Center near you.


So as a Veteran I am able to get care after all, right?


Yes, you may still be able to get care.


Are you currently homeless or at the risk of becoming homeless?


Yes, I'm at risk.


Then you should visit our website to learn about VA programs for Veterans who are homeless, to learn about our homelessness programs and to contact the National Call Center for Homeless Veterans at 877-424-3838 for help 24 hours a day, 7 days a week.


Will do. But let's get back to what you first talked about. The counseling at a local Vet Center is free of charge for me, yes?


Correct. You can get free private counseling, alcohol and drug assessment and other support at one of our 300 community Vet Centers, provided that you are a Veteran.


That's great. And outside of that, where could I find more information?