elplaguister/DTS_session_datasets huggingface dataset:
user: Hi, I need help in the financial area.[NEWLINE]agent: Follow these steps, accept financial aid funds.[NEWLINE]agent: Also, apply to your school's financial aid office.[NEWLINE]user: What offers do they give at school?[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: Where can I verify student aid amounts?[NEWLINE]agent: Fill in the online form to request help[NEWLINE]user: Is it possible to make a paper offer of help?[NEWLINE]agent: follow the steps and send the information by mail[NEWLINE][BOUNDARY][NEWLINE]user: Report the types of loans they offer?[NEWLINE]agent: At school they must manage that information[NEWLINE][BOUNDARY][NEWLINE]user: Que oficinas puedo recurrir para buscar la informacion?
user: I need some guidance on what financial aid I should accept.[NEWLINE]agent: I'll be happy to help you with this. To start, you should always accept financial aid funds that do not have to be paid back.[NEWLINE]agent: Have you received an aid offer from your school financial aid office?[NEWLINE]user: Yes, I have.[NEWLINE]agent: Excellent. It's very important to carefully review all your options, so that you can make an informed decision.[NEWLINE][BOUNDARY][NEWLINE]user: I'll have to inquire about Eligible Tuition Programs now. Is there a way to save money?[NEWLINE]agent: You will need to ask the financial aid office whether the college you plan to attend participates in one of these programs.[NEWLINE][BOUNDARY][NEWLINE]user: I'd like to know about the Best Financial Aid to Accept.[NEWLINE]agent: Keep the following in mind when you get an aid offer and are deciding which aid is the best to accept. What do I consider when deciding the kind of assistance to accept?[NEWLINE][BOUNDARY][NEWLINE]user: I'd also like to change the password for my FSA account, which has been shared. What should I do?[NEWLINE]agent: Simply log in to your account using your username and password. Once logged in, change your Account Information in your account settings.[NEWLINE][BOUNDARY][NEWLINE]user: I have another question for you about student loans. How would I know how much money to take as a loan?[NEWLINE]agent: You will need to make a budget that covers your college tuition and living expenses, so that you only borrow what you need.[NEWLINE]user: How do I decide which loans I need to accept?[NEWLINE]agent: Your goal should be to accept the loans with the most favorable terms and conditions. These are usually your federal student loans.[NEWLINE][BOUNDARY][NEWLINE]user: I've heard that some schools offer interest free tuition payment plans. Is this true?
user: How do I go about accepting Student financial aid?[NEWLINE]agent: The process begins with you accepting the funding that you don't have to pay back[NEWLINE]agent: Has your school sent you any correspondence in relation to an aid offer?[NEWLINE]user: No, I haven't received anything from my school in this regard[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: Is there any help you can give me in making an effective budget regarding borrowings that I will need for my education?[NEWLINE]agent: Yes, we have advice on budgets available to all applicants[NEWLINE]user: What if I discover that my living expenses are not going to be as high as has been estimated by my school, do I have to accept all the loan that has been given to me?[NEWLINE]agent: You are entitled to turn down any loan that is provided or even to request a lower amount of borrowing. Your school will be able to help you with this query, should it arise[NEWLINE][BOUNDARY][NEWLINE]user: Do schools have specific financial plans in place for students that re attending the school?[NEWLINE]agent: Yes, a lot of schools have tuition payment plans, these are monthly interest-free payments towards tuition. These plans can help in reducing the amount of borrowing you need. The financial aid office in your school will have more details[NEWLINE][BOUNDARY][NEWLINE]user: How do I let my school know what type of financial aid I will be accepting?
user: What is good advice when accepting financial aid?[NEWLINE]agent: Always accept the financial aid funds you don't have to repay.[NEWLINE]agent: Have you received your school financial aid offer?[NEWLINE]user: Yes, I have received the college I am attending financial aid offer.[NEWLINE]agent: That's good but remember to indicate which financial aid you would like to accept by making an informed decision.[NEWLINE][BOUNDARY][NEWLINE]user: I'd like to know if the Internal Revenue Service (IRS) offers tax breaks for education. Is there any kind of tax assistance available for college students?[NEWLINE]agent: Yes,  there are tax credits, which can help you to get access to tuitions, books, supplies and equipment for college or career school, this also will help you to reduce the amount of your income taxes.[NEWLINE]user: you who have been in this area longer and could give me excellent advice. How do I choose the best financial aid to accept?[NEWLINE]agent: There are many things to keep in mind when you get an aid offer such as, free money first earned money second, borrowed money last.[NEWLINE][BOUNDARY][NEWLINE]user: Do you have any information on where can I know if my school will pay for my aid and the period each payment covers?[NEWLINE]agent: Find out when your school will pay your aid and the period each payment covers.[NEWLINE][BOUNDARY][NEWLINE]user: Do you have any  suggestion which student loan is good to accept?[NEWLINE]agent: Usually choose the federal student loans offered to you first because they usually have the most favorable terms.[NEWLINE]user: What if my living expenses are not as costly as the amount estimated by the school I am attending?[NEWLINE]agent: You always can turn down the loan or ask for a lower amount and your school will help you with this.[NEWLINE][BOUNDARY][NEWLINE]user: How do I inform my school which aid I will accept?
user: What is the best way to accept financial aid?[NEWLINE]agent: Always accept the financial aid funds you don't pay back.[NEWLINE]agent: Did you get a financial aid offer?[NEWLINE]user: No, my school did not send me a financial aid offer, but are working on it.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: What is the best process when accepting student loans?[NEWLINE]agent: Did you accept any student loans?[NEWLINE]user: No, I have not gotten any student loans yet.[NEWLINE]agent: Have you decided to get a state loan, school loan, or private student loan?[NEWLINE]user: Yes, I am thinking of getting a school loan, state loan, or private student loan.[NEWLINE]agent: You really should look into the differences between federal and other loans.[NEWLINE][BOUNDARY][NEWLINE]user: I'm hoping I won't have to do that. Sorry, but wasn't a Master Promissory Note one of the measures you listed before?[NEWLINE]agent: That's correct. A MPN is a requisite for getting the aid.[NEWLINE][BOUNDARY][NEWLINE]user: I'm still interested in learning more about federal student loans. What is the procedure for obtaining a federal loan to fund my college education?
user: I want to know about the Teach grant[NEWLINE]agent: Do you want to Complete TEACH Grant Initial and Subsequent Counseling?[NEWLINE]user: no, I need to learn more first[NEWLINE][BOUNDARY][NEWLINE]agent: Did you want to know if you have to complete this?[NEWLINE]user: no sir[NEWLINE][BOUNDARY][NEWLINE]agent: Would you like to know how long it will take to complete?[NEWLINE]user: no I want to know more about it[NEWLINE][BOUNDARY][NEWLINE]agent: Do you need to know what you will need to have with you to participate?[NEWLINE]user: no, I think it's another thing[NEWLINE][BOUNDARY][NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: ok I got it, it is the teach grant agreement. what identification will I need?
user: you can help me with the TEACH thing[NEWLINE]agent: Are you here to complete the TEACH Grant Initial and Subsequent Counseling?[NEWLINE]user: no[NEWLINE][BOUNDARY][NEWLINE]agent: Did you need to know if you need to complete this at some point?[NEWLINE]user: no[NEWLINE][BOUNDARY][NEWLINE]agent: Would you like to know how long it will take to complete?[NEWLINE]user: not that either[NEWLINE][BOUNDARY][NEWLINE]agent: Would you like to know what documents you will need to complete the counseling?[NEWLINE]user: no, I need to complete other TEACH stuff[NEWLINE][BOUNDARY][NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: where do I start for the TEACH agreement?
user: What are payments like with the Income-Sensitive Repayment Plan for those with Federal Family Education Loan Program Loans.[NEWLINE]agent: The payments under the FFEL Program increase or decrease according to your annual income.[NEWLINE]agent: Do you need to make lower payments on your FFEL Program loans?[NEWLINE]user: Yes, I need to make lower payments on my FFEL Program loan because my hours have been cut at my job.[NEWLINE]agent: Then the Income-Sensitive Repayment Plan might be right for you.[NEWLINE][BOUNDARY][NEWLINE]user: I see. Another question about loan servicers. And what else can my administrator help me with?[NEWLINE]agent: Your loan servicer will work with you on repayment options such as income-based repayment plans and loan consolidation and help you with other tasks related to your federal student loans.[NEWLINE]user: I also hope to find out - FFEL Program. Are only FFEL Program loanseligible for Income-Sensitive Repayment Plan?[NEWLINE]agent: Yes, only FFEL Program Loans are eligible.[NEWLINE][BOUNDARY][NEWLINE]user: I also hope to find out, aside from  Federal Family Education Loan Program, what other loans do other places handle for you?[NEWLINE]agent: The U.S. Department of Education also uses several loan servicers to handle the billing and other services on loans for that were made under the Federal Family Education Loan Program and that ED later purchased.[NEWLINE][BOUNDARY][NEWLINE]user: Who should I contact if my FFEL Program loans are not owned by ED?[NEWLINE]agent: You should then contact your lender of the loans.[NEWLINE][BOUNDARY][NEWLINE]user: Which FFEL Program Loans are eligible?[NEWLINE]agent: There are several eligible such as Subsidized Federal Stafford Loans.[NEWLINE]user: Are FFEL Consolidation Loans eligible for the income-sensitive payments?
user: What payments are available through the Income-Sensitive Repayment Plan who have Federal Family Education Loan Program loans?[NEWLINE]agent: The payments under the Income-Sensitive Repayment Plan may increase or decrease based on your income.[NEWLINE]agent: Do you need to make lower payments on your FFEL Program loans?[NEWLINE]user: Yes, I am getting less hours at work and need to lower my payments.[NEWLINE]agent: Then this plan might be right for you.[NEWLINE][BOUNDARY][NEWLINE]user: I would like to know what happens when I switch to the FFEL program to reduce payments and if my loan is transferred to a new servicer? Could you see all the details online?[NEWLINE]agent: All of your loan information will be transferred from your assigned administrator to your new administrator, but you may only be able to view information online that covers the period since your new administrator took over your loans....[NEWLINE][BOUNDARY][NEWLINE]user: Alright. Now, regarding the Eligibility FFEL Program Loans. Are the FFEL Consolidation Loans is consider an eligible?[NEWLINE]agent: Yes, they are available for the Income-Sensitive Plan.[NEWLINE][BOUNDARY][NEWLINE]user: Another question, about the repayment of my loan, what are the payment options?[NEWLINE]agent: You can contact your loan servicer who will advise you as to how to make payments on your loan.[NEWLINE][BOUNDARY][NEWLINE]user: Also, for the Income Sensitive Plan. How can I get more information about FFEL Program loans?[NEWLINE]agent: You should contact your loans servicer for more information.[NEWLINE]user: Where should I go to find out about federal student loans I have received?[NEWLINE]agent: You should visit My Federal Student aid to view information about all of the federal student loans you have received and to find contact information for the loan servicer or lender for you loans.[NEWLINE][BOUNDARY][NEWLINE]user: Are unsubsidized Federal Stafford Loans eligible for Income-Sensitive Repayment?
user: Is the Income-Sensitive Repayment Plan help lower payments?[NEWLINE]agent: Yes, the income-sensitive repayment plan can decrease or increase based on your income.[NEWLINE]agent: Do you need to make lower payments on your FFEL Program loans?[NEWLINE]user: No not at this time but looks like I could in the future.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: What will happen with my monthly payments on Income-Sensitive Repayment Plan?[NEWLINE]agent: Your monthly payments could increase or decrease.[NEWLINE][BOUNDARY][NEWLINE]user: How can I get more information if I have FFEL Program loans owned by the US Department of Education?[NEWLINE]agent: You would have to contact your loan servicer.[NEWLINE][BOUNDARY][NEWLINE]user: What loans are not eligible?[NEWLINE]agent: William D. Ford Federal Direct Loans are not eligible.[NEWLINE][BOUNDARY][NEWLINE]user: What FFEL Program Loans are eligible for Income Sensitive Repayment?
user: Hi, I would like to know how the Income-Sensitive Repayment Plan will affect my loan payments?[NEWLINE]agent: Payment under the plan increase or decrease based on your annual income.[NEWLINE]agent: Do you have a Federal Family Education Loan (FFEL) Program loan and if so do you need to lower your payments on your loan?[NEWLINE]user: No I don't need to lower my payments at this time, thank you.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: Would I be eligible for the Income-Sensitive Repayment Plan if I have a FFEL Plus Loan?[NEWLINE]agent: Yes you will be.[NEWLINE][BOUNDARY][NEWLINE]user: What loans are not eligible for the Income-Sensitive Repayment Plan?[NEWLINE]agent: A William D. Ford Federal Direct Loan is not eligible for the repayment plan.[NEWLINE][BOUNDARY][NEWLINE]user: What about Subsidized Federal Stafford Loans?[NEWLINE]agent: Yes these loans are also eligible.[NEWLINE]user: What other loans are eligible for this program?
user: What do I need to know about the Income-Sensitive Repayment Plan?[NEWLINE]agent: The payments under this plan increase or decrease based on your annual income.[NEWLINE]agent: Do you need to make lower payments on your Federal Family Education Loan Program at this time?[NEWLINE]user: Yes, I lost my job and need to make lower payments.[NEWLINE]agent: Then the Income-Sensitive Repayment Plan could be the perfect plan for you.[NEWLINE][BOUNDARY][NEWLINE]user: I'd like to ask another question regarding  my FFEL program loan. What can I expect if I consolidate my Federal Family Education Loan into a direct consolidation loan?[NEWLINE]agent: You can repay the Direct Consolidation Loan under the REPAYE, PAYE and ICR Plan depending on The type of loan you consolidate.[NEWLINE][BOUNDARY][NEWLINE]user: Btw, do you know about the FFEL. What DEL Program Loans Are Eligible?[NEWLINE]agent: Subsidized, Unsubsidized Federal Stafford Loans; FFEL Plus Loans, and FFEL Consolidation Loans are all eligible for the Income-Sensitive Repayment Plan.[NEWLINE][BOUNDARY][NEWLINE]user: May I ask another question? in relation to Standard Repayment Plan and Federal Family Education Loan (FFEL) Program. Then, double-check this. Is it correct that I will save money if I follow this standard plan?[NEWLINE]agent: You're in the right. As you pay a higher amount in he beginning of the plan, you'll save money later as amount of interest will be lower.[NEWLINE][BOUNDARY][NEWLINE]user: Btw, regarding about this plan. What if I owe the US Department of Education money on FFEL Program loans?[NEWLINE]agent: You would be best to contact your loan servicer.[NEWLINE]user: How do I find info for all the federal student loans I have received?[NEWLINE]agent: You should visit My Federal Student Aid to view any info about the federal student loans you have gotten and to find out any info for the loan servicer.[NEWLINE]user: What if  have FFEL Program loans not owned by the ED?
user: I need help understanding how the Income-Sensitive Repayment plan works.[NEWLINE]agent: I can help you with that. Those who qualify for the Income-Sensitive Repayment Plan should know that their payments can increase or decrease depending on your annual income.[NEWLINE]agent: Would you like to lower your payments on your FFEL Program loan?[NEWLINE]user: Yes. I need this.[NEWLINE]agent: This repayment plan may be the right choice for you.[NEWLINE][BOUNDARY][NEWLINE]user: I have a problem if I don't pay on time they increased my interest rate. What is the grace period for federal student loans?[NEWLINE]agent: For federal student loans the grace period is after you graduate, leave school, or drop below half-time, you would have a six month grace period and sometimes 9 months for Perkins Loans.[NEWLINE]user: I'd like to ask you another question about Get More Info About This Plan. ED does not own my FFEL Program loan. What should I do if I need more information?[NEWLINE]agent: Since your loan is not owned by ED, you will need to contact your lender.[NEWLINE][BOUNDARY][NEWLINE]user: What would I get if I attempted to get federal student loans under the standard repayment plan?[NEWLINE]agent: To be more specific there, your payments by the month would be in a fixed amount of at least $50 each month and made for up to 10 years for all loan types. However, Direct Consolidation and FEEL Consolidation loans are excepted.[NEWLINE][BOUNDARY][NEWLINE]user: I'd like to ask regarding About The Plan.  What is the best way to get in touch with my lender?[NEWLINE]agent: You can find this information on your My Federal Student Aid account.[NEWLINE][BOUNDARY][NEWLINE]user: What FFEL Program Loans are eligible for this plan?[NEWLINE]agent: There are several loans that are eligible for the income-sensitive reapayment plan.[NEWLINE][BOUNDARY][NEWLINE]user: How long would I make monthly payments?
user: Hey, is there a way to get temporary relief?[NEWLINE]agent: Of course. Sometimes, you just need to suspend your student loan payments for a short period.[NEWLINE]agent: Are you in a short-term financial bind?[NEWLINE]user: Yes, I am. I currently have some problems with some expenses.[NEWLINE]agent: Then you may qualify for a deferment or a forbearance. With either of these options, you can temporarily suspend your payments.[NEWLINE][BOUNDARY][NEWLINE]user: If the safest thing is that I qualify and I do not want to suspend my payments, I must always meet the debts and well, what does it mean when it says that I must be a new borrower to qualify for the PAYE Plan?[NEWLINE]agent: This means that you must have had no outstanding balance on a Direct Loan or FFEL Program loan when you received a Direct Loan or FFEL Program loan on or after Oct. 1, 2007, and you must have received a disbursement of a Direct Loan on or after Oct. 1, 2011[NEWLINE][BOUNDARY][NEWLINE]user: There is something else I want to ask about getting this temporary relief.  Do I still have to pay during this current Covid-19 crisis?[NEWLINE]agent: There is a new Automatic Suspension of Monthly Payments as a Result of the COVID-19 National Emergency.[NEWLINE][BOUNDARY][NEWLINE]user: by the way, do you know or have information for a leniency request? Are there different procedures for different types of indulgence?[NEWLINE]agent: Yes. For some types of forbearance, you must provide your student loan servicer with documentation to show that you meet the eligibility requirements for the forbearance you are requesting.[NEWLINE][BOUNDARY][NEWLINE]user: Also, I need to find out about student loan deferment and forbearance, can I temporarily suspend my payments?[NEWLINE]agent: Yes, you can temporarily suspend your payments if you are eligible for a deferment or forbearance.[NEWLINE]user: Alright, this is all very new to me. So what effect does this all have on my interest?[NEWLINE]agent: Because interest accrues on your principal balance, capitalization will cause more interest to accrue over time than if you had paid the interest. It will also increase your monthly payment under most repayment plans.[NEWLINE][BOUNDARY][NEWLINE]user: That's not that great, but I understand it. What if I'm pursuing loan forgiveness, though?
user: Hi, I have had some unexpected expenses and am unable to pay my student loan for a period. Is there some way that I could get help with this?[NEWLINE]agent: Yes you may be able to suspend your student loan payments for a short period.[NEWLINE]agent: Would this be a short-term financial problem?[NEWLINE]user: No I don't think this is going to be short-term.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: What are my options for deferring payments on my student loan?[NEWLINE]agent: If you are eligible you may be able to temporarily suspend your payment but it would be advisable to consider paying the interest that accrues during that period.[NEWLINE][BOUNDARY][NEWLINE]user: Would I be able to suspend my monthly payments as I am without work as a result of COVID-19?[NEWLINE]agent: To provide relief to students during this time federal student loan borrowers are automatically being placed in an administrative forbearance which allows you to temporarily stop making your monthly loan payments. This suspension of payments will be from March 13, 2020 through September 30, 2020.[NEWLINE][BOUNDARY][NEWLINE]user: Is it possible that I could lower my payments on an income-driven repayment plan?[NEWLINE]agent: Yes this is possible and it might be better to consider a income-driven repayment plan than deferring payments altogether. Income-driven plans base your monthly student loan payments on your income and family size.[NEWLINE]user: Are there any tax implications of going for an income-driven repayment plan?
user: Hey, I was wondering how to get temporary relief. Can you walk me through the process and answer some questions, please?[NEWLINE]agent: Of course. Sometimes, you just need to suspend your student loan payments for a short period.[NEWLINE]agent: Are you in a short-term financial bind?[NEWLINE]user: No, I just wanted to learn about the process, should I ever get into this situation.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: Can I be eligible for loan forgiveness if I already paid back a large amount of the loan?[NEWLINE]agent: Yes, you can qualify for loan forgiveness on your remaining balance if your loan is not paid in full after 20 or 25 years.[NEWLINE][BOUNDARY][NEWLINE]user: What if I'm eligible for a deferment or forbearance?[NEWLINE]agent: In that case you can temporarily suspend your payments.[NEWLINE][BOUNDARY][NEWLINE]user: How can you provide relief to student loan borrowers during the COVID-19 national emergency?[NEWLINE]agent: To achieve this, federal student loan borrowers are automatically being placed in an administrative forbearance, which allows you to temporarily stop making your monthly loan payments. This suspension of payments will last from March 13, 2020, through Sept. 30, 2020, but you can still make payments if you choose.[NEWLINE][BOUNDARY][NEWLINE]user: That's good to know. What if I have a loan balance of $ 30,000 and an interest rate of 6 % and you are in forbearance for a year right after you enter repayment?