elplaguister/DTS_session_datasets huggingface dataset:
user: Do I qualify for a discharge of my federal student loan?[NEWLINE]agent: You can qualify if you are totally or permanently disabled.[NEWLINE]agent: Are you totally and permanently disabled?[NEWLINE]user: Yes I am.[NEWLINE]agent: To qualify you must complete and submit a TPD discharge application, along with various documentation.[NEWLINE][BOUNDARY][NEWLINE]user: What if I submit VA documentation?[NEWLINE]agent: We will notify you that your obligation has been discharged based on VA documentation.[NEWLINE][BOUNDARY][NEWLINE]user: Through the document, who does the term "we", "our", and "us" refer to?[NEWLINE]agent: The US Department of Education.[NEWLINE]user: What other documents will I need?[NEWLINE]agent: You will need documents that show that you meet our requirements for being considered totally and permanently disabled.[NEWLINE][BOUNDARY][NEWLINE]user: Can I qualify for a TPD discharge by having a doctor certify that I am disabled on an application?[NEWLINE]agent: Is your disability expected to result in death?[NEWLINE]user: Sadly, yes.[NEWLINE]agent: I am terribly sorry to hear that. You can have your doctor certify on the TPD discharge application that you are unable to engage in any substantial gainful activity due to a physical or mental impairment.[NEWLINE][BOUNDARY][NEWLINE]user: Does a TPD discharge mean that I won't have to repay my loan back?
user: what comes next after I'm given a permanent disability discharge on a loan?[NEWLINE]agent: That will depend on the type of documentation you submitted to show us that you qualified for a TPD discharge[NEWLINE][BOUNDARY][NEWLINE]user: well what if I submitted VA documentation?[NEWLINE]agent: Has it been determined that you are totally and permanently disabled based on documentation from the VA?[NEWLINE]user: no I want to gather info so I'm prepared[NEWLINE]user: so how would I qualify by submitting VA documentation?[NEWLINE]agent: You can qualify for a TPD discharge by providing documentation from the VA that shows you have received a VA disability determination because you 1 have a service-connected disability that is 100 percent disabling; or 2 are totally disabled based on an individual unemployability rating.[NEWLINE]user: for vets right?[NEWLINE]agent: Correct, If you are a veteran[NEWLINE][BOUNDARY][NEWLINE]user: what is going on after we do the permanent disability discharge application?
user: Hello, can you tell me what would happen if I was approved to register for TPD?[NEWLINE]agent: It is related to the TPD download but you should check if it qualifies for such a process.[NEWLINE][BOUNDARY][NEWLINE]user: What is the documentation to present?[NEWLINE]agent: It consists of verifying that you are totally and permanently disabled to qualify.[NEWLINE]user: Can you explain more about the VA documentation?[NEWLINE]agent: It is important that you look for information regarding Nelnet.[NEWLINE][BOUNDARY][NEWLINE]user: Do I need more detailed information about the TPD download?[NEWLINE]agent: I recommend you visit the TPD download website and look for information regarding the topic.[NEWLINE][BOUNDARY][NEWLINE]user: It sets out the various processes to be followed, such as supporting eligibility.[NEWLINE]agent: It is noteworthy that this occurs within 12 months from the date you are notified.[NEWLINE][BOUNDARY][NEWLINE]user: What does VA disability consist of?
user: What would happen if my obligation to repay my loans or satisfy my TEACH grant obligation is reinstated?[NEWLINE]agent: You would again be responsible to repay your loans with the terms of your promissory note that you signed.[NEWLINE]agent: Did you apply for a discharge of loans?[NEWLINE]user: Yes, I applied for a discharge.[NEWLINE]agent: Your status of your loans would go back to the status they were before you applied for the discharge.[NEWLINE][BOUNDARY][NEWLINE]user: What if I am a veteran that proved I am totally and permanently disabled?[NEWLINE]agent: You would be considered to have received the discharge for a federal tax purposes on the date the discharge was approved.[NEWLINE][BOUNDARY][NEWLINE]user: Do I need to resume repayment on my previously discharged loans?[NEWLINE]agent: Yes, you must resume repayment of your previously discharged loans or acknowledge that you are once again responsible to meet the terms and conditions of your TEACH grant service obligation.[NEWLINE]user: I received a TPD discharge but would like to go back to school, could I get more student loans or TEACH Grants?[NEWLINE]agent: Actually you would be able to but some conditions would need to be met.[NEWLINE]user: What if I received a TPD discharge based on VA documentation?
user: Hello, can you clarify for me what is the discharge of your federal loans?[NEWLINE]agent: It mainly consists of a TPD discharge for total and permanent disability frees you from having to pay a loan, but you must qualify for such a plan.[NEWLINE]agent: It is vitally important to qualify for a TPD download.[NEWLINE]user: Please can you tell me what requirements are required to qualify?[NEWLINE]agent: Sure, it's important to complete and submit a TPD download request. also provide a series of documents that show that.[NEWLINE][BOUNDARY][NEWLINE]user: Can you advise me how I qualify for a TPD download?[NEWLINE]agent: To this end, you must meet various requirements to achieve this end.[NEWLINE]user: What documentation should you submit?[NEWLINE]agent: It is important that you find the information in the Department of Veterans Affairs.[NEWLINE]user: Can you expand that information more?[NEWLINE]agent: In addition, it is vitally important that you visit the SSA Social Security Administration.[NEWLINE]user: What is the purpose of SSA Social Security?[NEWLINE]agent: Of note, you can qualify for the plan by providing documentation from one of three sources.[NEWLINE][BOUNDARY][NEWLINE]user: Perfect, what else should I know?
user: Hello, can you tell me if you have total disability can you qualify for a discharge of your federal loans?[NEWLINE]agent: Of course, it is important that you download the TPD for total and permanent disability.[NEWLINE]user: What requirements are needed to qualify for a TPD download?[NEWLINE]agent: It is noteworthy that you must complete and submit a TPD download request. In addition to sending some documents related to the topic.[NEWLINE][BOUNDARY][NEWLINE]user: I wonder if it is mandatory to present the documents?[NEWLINE]agent: It is not necessary, you just have to complete and submit the application.[NEWLINE][BOUNDARY][NEWLINE]user: Can you explain the TPD download in more detail?[NEWLINE]agent: Mainly it consists of freeing from having to pay a Program loan.[NEWLINE][BOUNDARY][NEWLINE]user: Can you advise me how can I qualify for a TPD download?[NEWLINE]agent: Sure, to qualify for such a plan you must provide documentation from one of three sources.[NEWLINE]user: Can you explain more what you just mentioned please?[NEWLINE]agent: As a first step you should visit the Department of Veterans Affairs VA.[NEWLINE]user: Perfect, and what else should I keep in mind?[NEWLINE]agent: You must follow other processes to demonstrate that you qualify.[NEWLINE][BOUNDARY][NEWLINE]user: Can you tell me about the amounts to be canceled?
user: Could you please give me some information about finding out how to get a discharge of my federal student loans if I have recently become disabled?[NEWLINE]agent: A total and permanent disability discharge relieves you from having to repay a William D. Ford Federal District Loan Direct Loan Program loan, a Federal Family Education Loan FFEL Program loan, and/or a Federal Perkins Loan or to complete a TEACH Grant service obligation.[NEWLINE]agent: Are you attempting to qualify for the total and permanent disability discharge?[NEWLINE]user: I am not at this time.  I am just needing to seek information about the possibility.[NEWLINE]user: Does this type of discharge actually also apply for TEACH Grant service obligations?[NEWLINE]agent: It does indeed.[NEWLINE][BOUNDARY][NEWLINE]user: How would I be able to show that I qualify for the TPD discharge of my loan and obligations?[NEWLINE]agent: Do you have documentation from either the Department of Veterans Affairs, the SSA, or a physician?[NEWLINE]user: I do have that documentation, yes.[NEWLINE]agent: Is your documentation from the Department of Veterans Affairs?[NEWLINE]user: It is.[NEWLINE]agent: You will be able to use that documentation to show that you qualify for a TPD discharge.[NEWLINE][BOUNDARY][NEWLINE]user: Where can I find more in depth information about TPD discharges?
user: What would happen if my TPD discharge request would be denied?[NEWLINE]agent: If it is determined that you don't qualify for a TPD discharge, Nelnet will notify you of the reason for the denial of your application.[NEWLINE]user: I have not been denied, but would like to know what would happen if I could not qualify for a TPD discharge.[NEWLINE][BOUNDARY][NEWLINE]user: If my loan would be discharged due to TPD, would I have to pay taxes on the discharged loan amount?[NEWLINE]agent: If you have showed that you are totally and permanently disabled based on documentation from the SSA or a doctor's certification meaning that you are subject to a three-year postdischarge monitoring period, you are considered to have received the discharge for federal tax purposes a the end of the postdischarge period and that is the federal tax period that you would have to use.[NEWLINE][BOUNDARY][NEWLINE]user: How should I let Nelnet know that I want to apply and request a TPD discharge?[NEWLINE]agent: You do that by phone or by e-mail.[NEWLINE][BOUNDARY][NEWLINE]user: What does Nelnet notify me of after I am declared disabled?[NEWLINE]agent: Nelnet will notify you that you will be subject to a three-year posdischarge monitoring period that begins on the date the discharge is approved, and that your obligation to repay your loans or complete your TEACH Grant service obligation will be reinstated if you don't meet certain requirements at any time during this monitoring period.[NEWLINE][BOUNDARY][NEWLINE]user: What does qualifying for a discharge relieve me of?
user: What would happen if my TPD discharge request would be denied?[NEWLINE]agent: Has your request been denied?[NEWLINE]user: It has.[NEWLINE]agent: Then you already know that Nelnet has notified you of the reason for the denial of your discharge application and has explained that you may ask for reevaluation of your discharge application if you provide new information that supports your eligibility for discharge within 12 months of the date you were notified that your discharge application had been denied.[NEWLINE][BOUNDARY][NEWLINE]user: Would approval of my discharge have done anything about my TEACH Grant service obligation?[NEWLINE]agent: A TPD discharge relieves you from having to complete a TEACH Grant service obligation.[NEWLINE][BOUNDARY][NEWLINE]user: If I want to reapply, where can I find more information about TPD discharge?[NEWLINE]agent: Do you have internet access?[NEWLINE]user: I do.[NEWLINE]agent: You can visit the website at disabilitydischarge.com.[NEWLINE][BOUNDARY][NEWLINE]user: If I reapply with better documentation and can get my loan discharged due to TPD, would I have to pay taxes on the discharged loan amount?
user: What about making payments?[NEWLINE]agent: The US Department of Education has several loan servicers that handle billing and other services on loans for William D. Ford Federal Direct Loans and for loans through FFEL and loans the ED later purchased.[NEWLINE]agent: Do you have automatic monthly debit of your loan payments?[NEWLINE]user: No, I have not set up automatic monthly debit payments from my checking or savings account.[NEWLINE]agent: Do you need to make a payment by postal mail?[NEWLINE]user: No, I do not mail my payment in.[NEWLINE]user: Would I receive a discount for signing up for 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: What can I do when having trouble making my federal student loan payments?[NEWLINE]agent: The section Trouble Making Your Federal Student Loan Payments  will provide the information on what to do if you are having trouble making your student loan payments.[NEWLINE][BOUNDARY][NEWLINE]user: I am having trouble making payments, what can I do?
user: Hi there. I would like to get some information related to the repayment of loans.[NEWLINE]agent: Sure, we can help you to make a plan to successfully repay your loan.[NEWLINE][BOUNDARY][NEWLINE]user: Great. And when do I have to start paying this loan?[NEWLINE]agent: You start paying once you graduate., drop below half-time enrollment or if you leave school.[NEWLINE]agent: Is your student loan a direct subsidized or unsubsidized one or a federal family education loan?[NEWLINE]user: Not really... Well, I am not sure.[NEWLINE]agent: Is your loan a plus one?[NEWLINE]user: Yes, the one I got is that one.[NEWLINE]agent: Great. If that's the case you'll start to repay your loan just before it's payout.[NEWLINE][BOUNDARY][NEWLINE]user: I see... But what will happens if by chance I miss any of the payments?[NEWLINE]agent: In that case, is very important to stay in touch with your loan servicer, specially if you have any struggles to make payments on your loans.[NEWLINE]user: I see. And if I can't make payments at all?
user: Hello, I need information related to student payments please?[NEWLINE]agent: It is vitally important that you develop a plan that allows you to pay off your loan on time.[NEWLINE][BOUNDARY][NEWLINE]user: Can you tell me what the grace period consists of?[NEWLINE]agent: Of course, it is a plan that applies to most types of federal loans.[NEWLINE]user: Can you give me more information on that topic?[NEWLINE]agent: This plan applies after graduation.[NEWLINE]user: What does that plan consist of?[NEWLINE][BOUNDARY][NEWLINE]user: What electronic media does the information reach?[NEWLINE]agent: Keep an eye on his email, usually the information arrives by this means.[NEWLINE][BOUNDARY][NEWLINE]user: What if the loan payments cannot be made?
user: who are we really dealing with when we get a direct loan?[NEWLINE]agent: The U.S. Department of Education uses several loan servicers to handle the billing and other services on loans for the William D. Ford Federal Direct Loan Program[NEWLINE]agent: Did you have any questions on automatic debits?[NEWLINE]user: nope I will pay another way[NEWLINE]agent: Would you like to know how to make a payment by postal mail?[NEWLINE]user: no I want to know more about loans[NEWLINE]user: 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]agent: Would you like information on repayment plan options?
user: What is something I should do before student loan repayment begins?[NEWLINE]agent: You should have a plan that would keep you on track to pay back your loan on time and in full before repayment begins.[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][NEWLINE]user: 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][BOUNDARY][NEWLINE]user: Do I really have a grace period of six month?[NEWLINE]agent: Yes, you have a six-month grace period before you have to start paying back your student loans and nine months if you have a Perkins Loan.[NEWLINE][BOUNDARY][NEWLINE]user: What loan servicers are used to make payments to?[NEWLINE]agent: The US Depatment of Education has many loan servicers that handle the billing and other services on loans for William D. Ford Federal Direct Loan and for loans that will made under FFEL and ED purchased.[NEWLINE]agent: Did you set up automatic monthly debit payments for your loan from your checking or savings?[NEWLINE]user: No, I have not set up automatic payments.[NEWLINE]agent: Do you send your payment by mail?
user: Hi, I need to make regular payments on my student loan. What sort of options are available to make this easier for me?[NEWLINE]agent: You can set up a Standard Repayment Plan with  your loan servicer. If this does not work for you you can tell your loan servicer that you would like a different repayment plan. It is best to contact your loan servicer about repayment of  your loan.[NEWLINE]agent: Would you like to schedule an automatic monthly electronic debit for the repayment of your loan?[NEWLINE]user: No I don't think I would like that.[NEWLINE]agent: Would you prefer to made a payment on your loan by sending a check by mail?[NEWLINE]user: Yes I would like to pay by check.[NEWLINE]agent: That can be done. You will have to contact your loan servicer and ask for their mailing address and you can then mail them a check.[NEWLINE][BOUNDARY][NEWLINE]user: What are my options for making a payment of my loan?[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: How do I go about changing my repayment plan if my financial circumstances change?[NEWLINE]agent: It is best to contact your loan servicer about changing your repayment plan. However, you might want to use the Loan Simulator to get a look at which plans you may be eligible for and see estimates for how much  you would pay monthly before contacting your loan servicer.[NEWLINE][BOUNDARY][NEWLINE]user: I have not been able to make a couple of loan payments in the last months and am wondering what I should do about it?
user: Could you possibly give me some tips and pointers on developing a plan that would put me on track for student loan repayment in full and on time?[NEWLINE]agent: Before your repayment begins, develop a plan that puts you on track.[NEWLINE][BOUNDARY][NEWLINE]user: Is there any way to get an interest rate deduction on a Direct Loan?[NEWLINE]agent: If you schedule an automatic monthly electronic debit of your loan payment from your bank account, you may receive a 0.25% interest rate deduction on your Direct Loan.[NEWLINE][BOUNDARY][NEWLINE]user: Can you give me some more information about the types of repayment plans available?[NEWLINE]agent: Actually, besides for paying off your loan, there is also a possibility of having your student loan forgiven as well.[NEWLINE][BOUNDARY][NEWLINE]user: Is there a grace period after graduation?[NEWLINE]agent: After you leave school or drop below half-time enrollment, you have a six-month grace period sometimes nine months for Perkins Loans before you must begin making payments.[NEWLINE][BOUNDARY][NEWLINE]user: Would that be when I would have to begin making payments?[NEWLINE]agent: Once you graduate, drop below half-time enrollment, or leave school, your federal student loan goes into repayment.[NEWLINE]agent: Is your loan a Direct Subsidized, Direct Unsubsidized, or Federal Family Education Loan?[NEWLINE]user: Yes, it is.
user: how student loan payments are handled[NEWLINE]agent: Well the US Department of Education uses multiple loan managers to handle billing and other loan services for the William D. Ford Federal Direct Loan Direct Loan Program and for loans made under the FFEL Program of Federal Family Education Loans and that ED later purchased[NEWLINE]agent: do you want to make a payment?[NEWLINE]user: If I want to know more about this topic and make payments[NEWLINE]agent: You will receive a 0.25% interest rate deduction on direct loans. Contact your loan servicer for more information.[NEWLINE][BOUNDARY][NEWLINE]user: ok i understand and what things should i avoid?[NEWLINE]agent: One thing you definitely want to avoid is going default! This occurs when you are at least nine months behind on your student loan. The consequences of default include damage to your credit rating and future indebtedness.[NEWLINE]user: What if it's not up to me and I can't make payments?[NEWLINE]agent: contact your loan servicer to find out your options.[NEWLINE][BOUNDARY][NEWLINE]user: How can I make a payment by post?[NEWLINE]agent: you must contact your loan servicer for the mailing address[NEWLINE][BOUNDARY][NEWLINE]user: Can you forgive the student loan?
user: I'm looking for information regarding benefits planning, can you help me?[NEWLINE]agent: Are you planning for your own future?[NEWLINE]user: Yes I am[NEWLINE]agent: You need to think about what your family would do if you died now. Social Security can help your family, provided you have earned enough Social Security credits through your work[NEWLINE][BOUNDARY][NEWLINE]user: That's helpful to hear. Do you have any experience with the benefits planner? Thank you for your answer. Now, suppose I announce a death. What happens next?[NEWLINE]agent: Are you asking in behalf of your spouse or parent records?[NEWLINE]user: Not, not at all.[NEWLINE]agent: Are you asking for a retirement or disability situation on your own record?[NEWLINE]user: No, neither that.[NEWLINE]agent: Are you asking because you're not getting any benefits?
user: Can you help me with planing the benefits for my survivors?[NEWLINE]agent: Are you planning for the future of your survivors?[NEWLINE]user: Not right now.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE]user: But I want to know if my family would get any help from Social Security after my passing.[NEWLINE]agent: yes, Social Security can help your family if you have earned enough credits through your work.[NEWLINE][BOUNDARY][NEWLINE]user: Do you also know about if ever the adult child is already receiving disability benefits in his own record, can he still get benefits on my record?[NEWLINE]agent: He still should check if he can get benefits on his parent's record. Higher benefits might be payable and he could be entitled to receive Medicare.[NEWLINE][BOUNDARY][NEWLINE]user: If I am widowed, at what age can I have benefits and for what benefits?[NEWLINE]agent: She can get reduced benefits as early as age 60 or full benefits at full retirement age. If she's 50 years old she could get the benefits if she's disabled and her disability started 7 years or earlier before your death.[NEWLINE][BOUNDARY][NEWLINE]user: what if she remarries after my death?[NEWLINE]agent: if she remarries after age 60, 50 if disabled, she would still qualify for the benefits on your social security records.[NEWLINE]user: And if she receives a pension not covered by Social Security?
user: I need help planning for my survivors.[NEWLINE]agent: Are you currently planning for the future of your survivors?[NEWLINE]user: Yes, I am.[NEWLINE]agent: If you have earned enough Social Security credits, then Social Security can help your family should you die now.[NEWLINE][BOUNDARY][NEWLINE]user: Can my stepfather receive the benefits too?[NEWLINE]agent: He can if he became your stepfather before you turned 16.[NEWLINE][BOUNDARY][NEWLINE]user: Is it okay if I ask a follow-up question for other Things? Will my 62-year-old mother's benefits be affected if she remarries?[NEWLINE]agent: She will continue to qualify for benefits on the deceased spouse's Social Security record.[NEWLINE][BOUNDARY][NEWLINE]user: are the kids eligible for benefits after they turn 18?[NEWLINE]agent: Are they unmarried children under 18, or up to age 19 and attending elementary or secondary school full time and the children of a worker who died?