elplaguister/DTS_session_datasets huggingface dataset:
user: I wanted to know how you will give me the financial aid to pay for books[NEWLINE]agent: Has your school provided a way for you to obtain your books and supplies by the seventh day of the term?[NEWLINE]user: no so what now?[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: is there anyway I can pay the bookstore later and get what I need now?[NEWLINE]agent: You can look to see if your school offers a bookstore voucher or other means for students to receive their books and supplies through the school or its bookstore.[NEWLINE][BOUNDARY][NEWLINE]user: I also need more info about Entrance Counseling? why do we have to do this?[NEWLINE]agent: The Federal Government requires you to complete entrance counseling to ensure that you understand the responsibilities and obligations you are getting into.[NEWLINE][BOUNDARY][NEWLINE]user: Ok, I appreciate it, but I also need to find out about grants.  I do not understand why the grant works in such a manner that I can't buy my books yet.[NEWLINE]agent: Usually the school first applies your grant money toward your tuition, fees, and room and board. Money left over is paid to you directly for other education expenses like the books you need.[NEWLINE][BOUNDARY][NEWLINE]user: about identifying your service provider, how do I find out who my loan manager is?[NEWLINE]agent: very easy call the FSAIC Federal Student Aid Information Center at 1 - 800 - 433 - 3243.[NEWLINE][BOUNDARY][NEWLINE]user: All right, about getting the financial aid funds for the course materials, can the school help me with the online materials I need for the classes?[NEWLINE]agent: Your school may have negotiated a deal with the publisher that will allow you online access at a fraction of the cost you would pay for a physical book.[NEWLINE]user: when do they usually gives us the financial aid for books?
user: I need to know what I can do to pay for course materials if I don't have any money.[NEWLINE]agent: Of course. Would you like to know when schools that participate in federal student aid programs must provide a way for you to obtain your books and supplies by the seventh day of the term?[NEWLINE]user: Yes, please.[NEWLINE]agent: Are you eligible for disbursement i.e., the payment of your financial aid 10 days before the term begins?[NEWLINE]user: No, I'm not.[NEWLINE]agent: Then I'm afraid that schools which participate in federal student aid programs do NOT need to provide a way for you to obtain your books and supplies.[NEWLINE][BOUNDARY][NEWLINE]user: What if my school provides me financial aid?[NEWLINE]agent: Sometimes money is left over after your aid is applied to your tuition, fees, and other school charges. This remaining amount is called a credit balance.[NEWLINE][BOUNDARY][NEWLINE]user: Are you familiar with COA? How is the cost of attending school measured for me as a full-time student?[NEWLINE]agent: Your cost of attending or COA is the estimate of your tuition and fees; the cost of room and board or living expenses for students who do not contract with the school for room and board; the cost of books, supplies, transportation, loan fees, and miscellaneous expenses including a reasonable amount for the documented cost of a personal computer.[NEWLINE][BOUNDARY][NEWLINE]user: Is it possible to get an interest free loan?
user: I need help on how to pay for my course materials, I haven't received my financial aid yet.[NEWLINE]agent: Of course. Does your school participate in a federal student aid program?[NEWLINE]user: No, unfortunately not.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: What can you tell me about grants and student loans in general?[NEWLINE]agent: Typically, the school first applies your grant or loan money toward your tuition, fees, and if you live on campus room and board. Any money left over is paid to you directly for other education expenses.[NEWLINE][BOUNDARY][NEWLINE]user: Do you know anything about Aid Offers? Can you assist me in comparing aid and determining which is best for me?[NEWLINE]agent: yes, we can help you review schools' financial aid packages[NEWLINE][BOUNDARY][NEWLINE]user: Another thing I should know about Financial Aid Funds, what happens if I have a credit balance?[NEWLINE]agent: In that case your school must pay this amount to you directly within 14 days unless you authorize the school to keep the money to pay for future institutional charges.[NEWLINE][BOUNDARY][NEWLINE]user: Another thing to consider in loan transfers. What happens if my federal student loan is moved from one service to another?[NEWLINE]agent: The transfer just means that a new servicer will provide the support you need to repay your loans; but is still owned by ED.[NEWLINE]user: Unfortunately that doesn't apply to me. My school doesn't participate in federal student aid programs.[NEWLINE][BOUNDARY][NEWLINE]user: Is there anything I can do about the materials that are available for my courses?
user: Can you tell me how I'll receive my financial aid, please?[NEWLINE]agent: How you'll get your aid depends on the type of aid you accepted.[NEWLINE][BOUNDARY][NEWLINE]user: I know, but what can you tell me about grants and student loans?[NEWLINE]agent: Your school will give you your grant or loan money in at least two payments called disbursements. In most cases, your school must give you your grant or loan money at least once per term semester, trimester, or quarter.[NEWLINE][BOUNDARY][NEWLINE]user: What if I accepted a help offer from a school only to have it revoked later?[NEWLINE]agent: This could happen for a variety of reasons, such as if you indicated that you plan to live on campus when you submitted your FAFSA form but then later decided to live off campus.[NEWLINE]user: That doesn't apply to me. Are there any other reasons why this could happen?[NEWLINE]agent: Yes, it can also happen if you are selected for verification.[NEWLINE][BOUNDARY][NEWLINE]user: Ah, then it all makes sense. Say, what if I have any questions or don't understand what's in the aid offer?[NEWLINE]agent: Then you should contact the financial aid office at the school. They re there to help. It's important to understand what you're being offered e.g., which items in the offer are grants and which are loans.[NEWLINE]user: What if the school simply doesn't list the cost of attendance on the aid offer?
user: I need your advice. I haven't received any financial aid yet, but I need to pay for textbooks. How am I supposed to do that without any money?[NEWLINE]agent: Are you part of a school that participates in a federal student aid program?[NEWLINE]user: No, I'm not.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: What happens if my school offers me financial aid?[NEWLINE]agent: Well, sometimes money is left over after your aid is applied to your tuition, fees, and other school charges. This remaining amount is called a credit balance.[NEWLINE][BOUNDARY][NEWLINE]user: Regarding admission counseling, what can admission counseling do for me if I want to request a loan as a student?[NEWLINE]agent: Entrance Counseling fulfills any counseling requirements that arise for Direct Subsidized Loans and Direct Unsubsidized Loans[NEWLINE][BOUNDARY][NEWLINE]user: Another query about  financial aid funds for course materials. When it comes to the materials available at my school, how can I save money?[NEWLINE]agent: You may have several lower-cost options to obtain your books at your school.[NEWLINE][BOUNDARY][NEWLINE]user: I'd like to know if there will be any advice sessions or counseling sessions held here?[NEWLINE]agent: Yes, that's something you'll get before receiving your first loan, a complete counseling.[NEWLINE][BOUNDARY][NEWLINE]user: Good to know. Do you happen to know about Financial Aids? Yes, I'm aware of this.[NEWLINE]agent: Are you eligible for disbursement i.e., the payment of your financial aid 10 days before the term begins?[NEWLINE]user: Yes, I am.[NEWLINE]agent: Will you also have a credit balance i.e., money left over after your financial aid is applied to your tuition, fees, and other school charges as applicable?[NEWLINE]user: Yes, I will.[NEWLINE]agent: In that case schools that participate in federal student aid programs must provide a way for you to obtain your books and supplies by the seventh day of the term.[NEWLINE][BOUNDARY][NEWLINE]user: That's great! What if my course uses a hard-copy textbook though?
user: I am a federal student loan borrower and need a little help understanding about it.[NEWLINE]agent: We have checklists that can help you not feel overwhelmed with the process of student loan repayment.[NEWLINE]user: What does the checklist help me with as I work through it?[NEWLINE]agent: It will help with finding out how to make payments and figure out which repayment would be best for you and it can help with knowing what to do if you are having problems repaying.[NEWLINE][BOUNDARY][NEWLINE]user: May I know how will I protect my self from student loan scam?[NEWLINE][BOUNDARY][NEWLINE]agent: Do you think you've been the victim of a Student Loan Scam?[NEWLINE]user: Yes I might have been. I would like to know what it resembles.[NEWLINE]agent: Borrowers have reported receiving phone calls, emails, letters, and/or texts offering them relief from their federal student loans or warning them that student loan forgiveness programs would end soon.[NEWLINE][BOUNDARY][NEWLINE]user: Oh no! How can I tell if my personal student information has been stolen?[NEWLINE]agent: In that case, it is important to act quickly.  Click here for a list of offices that will help you determine what steps to take depending on your situation.[NEWLINE]user: Can you give me an example?
user: dsffsdf[NEWLINE]agent: sdfgfdcxvbcvbdf[NEWLINE]agent: Have you checked the list of options for repayments?[NEWLINE]user: Yes, I have checked some of that information[NEWLINE]agent: Good, that way you can find how to do the repayments and figure out which repayment plan is better for you.[NEWLINE][BOUNDARY][NEWLINE]user: I see. Another question on making payments. Would I receive a discount on Direct Loans for signing up for the debit withdrawal of my payments?[NEWLINE]agent: Yes, you would receive.25% interest rate deduction on Direct Loans and you should contact your loan servicer for more information.[NEWLINE][BOUNDARY][NEWLINE]user: Another concern about the repayment of student loans. Is the assistance you provide me free?[NEWLINE]agent: Yes, that's right. remember, you never have to pay for help with your student loan.[NEWLINE][BOUNDARY][NEWLINE]user: Is it possible to refinance this loan later should anything come up?[NEWLINE]agent: You can submit a new application for an incom-driven repayment plan to do this.[NEWLINE][BOUNDARY][NEWLINE]user: But how do I know how much I'll be required to pay?[NEWLINE]agent: The amount you repay will depend of how much you can afford to pay each month.[NEWLINE]user: So, this will depend basically on my budget, right?[NEWLINE]agent: That's right, that's the best way to afford to pay toward your student loan.[NEWLINE][BOUNDARY][NEWLINE]user: Great. But what happens if at some point I  can not do the payments?
user: Hello, can you tell me about the federal student loan borrower?[NEWLINE]agent: Please don't be overwhelmed by loans. Look for information on the subject.[NEWLINE]agent: It is important to review the checklist.[NEWLINE]user: What is the checklist?[NEWLINE]agent: It is important to have information regarding payments.[NEWLINE][BOUNDARY][NEWLINE]user: On a somewhat related note, Extended Repayment Plan or through loan consolidation If I don't want to use an income-driven repayment plan, is there any other options?[NEWLINE]agent: You would need to contact your loan servicer and discuss repayments options such as extending our repayment period or temporarily suspend your repayment through deferment or forbearance.[NEWLINE][BOUNDARY][NEWLINE]user: This reminds me of My Federal Student Aid. What is the procedure for making these payments?[NEWLINE]agent: It is noteworthy that you never have to pay for aid.[NEWLINE][BOUNDARY][NEWLINE]user: I'm also hoping to learn who to contact if I have any PSLF-related questions. Is there anything else I should know in case I don't find what I'm looking for?[NEWLINE]agent: You can contact FedLoan Servicing at 1-855-265-4038.[NEWLINE][BOUNDARY][NEWLINE]user: OK thanks. I'd also want to find out If your loans are not repaid in full after 20 or 25 years. How long does it take to fully reimburse the aid?[NEWLINE]agent: It is important to look for information, the balance can be forgiven.[NEWLINE]user: What forms of payments can I take?[NEWLINE]agent: You have to choose a method but not different methods.[NEWLINE][BOUNDARY][NEWLINE]user: Can I find information with the administration of the institution?
user: Hi there. I have a federal student loan but I'm kinda confused about the repayment process, I would like some help with it.[NEWLINE]agent: Sure, don't let the repayment process overwhelm you. We can help you to solve some doubts you may have.[NEWLINE]agent: Have you seen the steps on the check list?[NEWLINE]user: No, I have not. Not yet at least.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE]user: Great. But this is a free of charge process? Or I have to pay some extra for your advises?[NEWLINE]agent: It's free. Remember that you will never have to pay for help with your student loans.[NEWLINE][BOUNDARY][NEWLINE]user: Alright. I heard from some of my friends that my loan can be forgiven if I consolidate it, is that true?[NEWLINE]agent: Yes, if you consolidate your loan you can increase your chances of qualifying for an affordable repayment plan or a loan forgiveness. But you need to see if this is your best option.[NEWLINE][BOUNDARY][NEWLINE]user: And what kind of things helps me in this case?[NEWLINE]agent: Some things that can help you is, if you can afford it, start making some loan payments while you still are in school.[NEWLINE][BOUNDARY][NEWLINE]user: I see, normally the payments are done after I leave the school, right?[NEWLINE][BOUNDARY][NEWLINE]user: Should I contact my loan servicer if I am struggling to make payments?[NEWLINE]agent: Yes, it is a wise decision to contact your loan servicer if you are struggling to make your payments.[NEWLINE][BOUNDARY]
user: Hello, I have many questions regarding the payment of student loans, can you tell me about it?[NEWLINE]agent: I recommend you not to worry about the subject, and look for information on the subject.[NEWLINE]agent: What can you tell me about the checklist please?[NEWLINE]user: Can you tell me about the checklist please?[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: It is important that you are clear about the time you intend to pay and in what way.[NEWLINE]agent: It has to be clear that you cannot take several options, and the interest can be high depending on the loan.[NEWLINE]user: Can you help me to establish a payment plan please?[NEWLINE]agent: It is important that you consider various strategies so that you do not fall behind with payments.[NEWLINE]user: Can you explain to me what is the repayment of your total debt?[NEWLINE]agent: It consists in that your remaining balance will be forgiven, for this reason it is important to look for information related to the topic.[NEWLINE][BOUNDARY][NEWLINE]user: I want to inquire on how much money the students will get from the american opportunity credit?
user: I need help understanding how the student loan repayment process works.[NEWLINE]agent: The student loan repayment process can be overwhelming. I'll be happy to help you understand how to manage and repay your student loans.[NEWLINE]agent: Have you taken a look at the checklist on our site?[NEWLINE]user: No, I haven't seen it.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: Should I create an online account with my loan servicer?[NEWLINE]agent: Yes, and it's very important the make sure that your contact information is correct.[NEWLINE]user: One more thing for Credits for Higher Education Expenses. how many of these types of credits are there?[NEWLINE]agent: There are two tax credits that help offset the costs of college by reducing the amount of your income tax.[NEWLINE]agent: Do you normally file a tax return?[NEWLINE]user: yes, but not every year[NEWLINE]agent: Even if you normally wouldn’t file a tax return because of your income level, you should still do it, so you don't miss out on tax credits.[NEWLINE]user: what is the other tax credit besides the one you already told me about?[NEWLINE]agent: There is also the Lifetime Learning Credit which allows you to claim up to $2,000 per student per year.[NEWLINE][BOUNDARY][NEWLINE]user: are there any of those prepay programs that gives us tax benefits?
user: I am very comfortable with the student loan payment process, could you help me?[NEWLINE]agent: Don't let the student loan repayment process overwhelm you. You can use this checklist to help you manage and pay your federal student loans. that way it would be easier for you[NEWLINE]agent: Do you want to know how to work on this checklist?[NEWLINE]user: Yes i would like to know[NEWLINE]agent: Thanks to the checklist, you will discover how to make payments and determine which payment plan is best for you and will know what to do if you have trouble making payments or think you may be eligible for loan forgiveness.[NEWLINE][BOUNDARY][NEWLINE]user: Just remember to inquire about whether your federal student loans can be forgiven in exchange for your work as a teacher. What do I do if I want to apply for loan repayment as a teacher?[NEWLINE]agent: You need to submit a completed Teacher Loan Forgiveness Application to your loan servicer. You must have completed the required five consecutive years of qualifying teaching[NEWLINE][BOUNDARY][NEWLINE]user: Perhaps a completely unrelated question now, after you've graduated or left school. How nice is it, and should I go for the cheapest monthly payment?[NEWLINE]agent: you can select a payment plan based on income, you can have multiple obions[NEWLINE][BOUNDARY][NEWLINE]user: One more thing for student loans. Is there something you are doing for the covid-19 emergency?[NEWLINE]agent: Yes, they are automatically suspending monthly payments of your student loans.[NEWLINE][BOUNDARY][NEWLINE]user: One more thing for about the COVID-19 emergency. If I don't choose a specific payment plan, what can happen?[NEWLINE]agent: In that case your loan will be included in the Standard Payment Plan. Please note that you can change to a different plan at any time by contacting your loan manager.[NEWLINE]user: Can you explain what happens better if I don't select a specific payment plan?[NEWLINE]agent: there will be no problem since a standard plan is placed and you can change it whenever you want[NEWLINE][BOUNDARY][NEWLINE]user: If I can't make the payments, what should I do?
user: I am confused about the student loan repayment process, can you help me?[NEWLINE]agent: Don't let the student loan repayment process overwhelm you. I recommend that you use a checklist to help you manage and pay your federal student loans.[NEWLINE]agent: do you want to do the checklist?[NEWLINE]user: yes I would like it[NEWLINE]agent: This list will help you make payments and determine which payment plan is best for you. And you'll know what to do if you're having trouble making payments or think you might be eligible for loan forgiveness.[NEWLINE][BOUNDARY][NEWLINE]user: Is it necessary for me to complete Exit Counseling?[NEWLINE]agent: If you have received a subsidized, unsubsidized or PLUS loan under the Direct Loan Program or the FFEL Program, you must complete exit counseling each time you drop below half-time enrollment, graduate, or leave school.[NEWLINE]user: Sure. Now I need to ask about After graduation or leaving school. With this list I can see plans that will have a payback of up to 20 or 25 years?[NEWLINE]agent: yes but if it is not fully refunded within that time the remaining balance will be forgiven.[NEWLINE][BOUNDARY][NEWLINE]user: Thank you. I'd also like to learn more about this repayment plan. And how would this assist me?[NEWLINE]agent: We can offer you a repayment plan that will help you save money over time because your monthly payments may be slightly higher than payments under other plans, this will make you pay it faster.[NEWLINE][BOUNDARY][NEWLINE]user: If the established amount is not paid at the right time or if payments begin to be delayed, is the loan considered in arrears?[NEWLINE]agent: yes and you may be charged late fees[NEWLINE][BOUNDARY][NEWLINE]user: using Loan Simulator. If I want to pay my loans quickly and I want to afford it, what can I do?[NEWLINE]agent: you must select the standard Payment Plan[NEWLINE][BOUNDARY][NEWLINE]user: When I sign up, what benefit does my payment have automatically taken from your bank account every month?
user: Is there a way to estimate my aid I could get?[NEWLINE]agent: Do you want to estimate your federal student aid, but are not ready to actually apply for the aid?[NEWLINE]user: No, that is not the case.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: Can you give me an info about the questions I would need to answer on FAFSA4caster?[NEWLINE]agent: You answer such things as financial and other questions that will help estimate your federal student aid eligibility and most questions are easy.[NEWLINE][BOUNDARY][NEWLINE]user: Assuming there was a strong enough situation could it affect you in such a way that you might be eligible for help?[NEWLINE]agent: Military family members can enter situations that could affect your eligibility for help[NEWLINE][BOUNDARY][NEWLINE]user: Could tell me more about f questions Asked in FAFSA4caster?[NEWLINE]agent: It would be best to answer all the questions on FAFSA4caster, even if it is just an estimate to get the most accurate estimation.[NEWLINE][BOUNDARY][NEWLINE]user: Good to know. Do you happen to know about  FAFSA form? What if I don't provide my information on the FAFSA?[NEWLINE]agent: the application will be considered rejected, and you may not be able to receive any federal student aid. The most you could get depending on what your college financial aid office decides would be a loan called an unsubsidized loan.[NEWLINE][BOUNDARY][NEWLINE]user: Sure. Now I need to inquire about FAFSA. How will the data provided by FAFSA4caster be displayed?[NEWLINE]agent: Did you complete all the relevant questions in the FAFSA4caster?[NEWLINE]user: Yes, I have completed all the questions.
user: What is available for me to estimate my student aid?[NEWLINE]agent: Are you not ready to apply for federal student aid, but want an estimate for future reference?[NEWLINE]user: Yes, I am not ready and just would like an estimate.[NEWLINE]agent: Then you are fortunate enough to get an estimate with FAFSA4caster.[NEWLINE]user: I'm wondering if my state government offers financial aid for students?[NEWLINE]agent: Yes, aid could be available through the state government.[NEWLINE][BOUNDARY][NEWLINE]user: What can you tell me about grants?[NEWLINE]agent: The share link will explain that a grant is a form of financial aid that will never have to be paid back unless you withdraw from school and owe a refund.[NEWLINE][BOUNDARY][NEWLINE]user: What types of loans are there?[NEWLINE]agent: The share link will be able to help you with loans that are considered student loans and will tell you that they have to be paid back.[NEWLINE]agent: Did you know that you have to pay back a student loan along with interest?