elplaguister/DTS_session_datasets huggingface dataset:
user: hello i would like to get information about new applicants[NEWLINE]agent: not currently on an income-based plan and want to apply for one?[NEWLINE]user: yes[NEWLINE]agent: You can request an income-based payment plan that limits your payments to a percentage of your income[NEWLINE][BOUNDARY][NEWLINE]user:   What plan could be suitable for me?[NEWLINE]agent: East: Income - Contingent Repayment Plan ICR Plan[NEWLINE][BOUNDARY][NEWLINE]user: How do I calculate my payment if my income has changed?[NEWLINE]agent: you can request that your income-based payment be recalculated to reduce your current monthly payment[NEWLINE][BOUNDARY][NEWLINE]user: Really, it's kind of obvious. Is there anything else I need to do or fill out before I can get my loan?[NEWLINE]agent: Yeah, in fact, you must complete a Direct Plus Loan Master Promissory Note. In which all terms are explain.[NEWLINE]user: Got it. Just to be sure, every school interested on information to process my loan application, can do that by their own rules, aren't they?
user: what can you tell me about Returning IDR Applicants[NEWLINE]agent: I file an annual recertification of your income[NEWLINE]user: not[NEWLINE][BOUNDARY][NEWLINE]agent: you want to Recalculate your monthly payment[NEWLINE]user: yes[NEWLINE]agent: your income or family size has changed[NEWLINE]user: yes[NEWLINE]agent: you can request that your income - driven payment be re - calculated to reduce your current monthly payment[NEWLINE][BOUNDARY][NEWLINE]user: I'd like to ask you if is it necessary to take entrance counseling before requesting assistance for my loan?[NEWLINE]agent: Exactly, it is important for your first subsidized direct loan, or unsubsidized direct loan as a college student.[NEWLINE][BOUNDARY][NEWLINE]user: When can you ask for advice?
user: what can you tell me about Returning IDR Applicants[NEWLINE]agent: I file an annual recertification of your income[NEWLINE]user: not[NEWLINE][BOUNDARY][NEWLINE]agent: you want to recalculate your monthly payment[NEWLINE]user: yes[NEWLINE]agent: your income or family size has changed[NEWLINE]user: not[NEWLINE][BOUNDARY][NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: Who should complete this?[NEWLINE]agent:  Borrowers not currently on an IDR Plan who are seeking a lower monthly payment on their federal student loans and[NEWLINE][BOUNDARY][NEWLINE]user: Switch my current plan to a new plan
user: how to apply for income-based student loan repayment[NEWLINE]agent: Are you currently on an income-based plan and want to apply?[NEWLINE]user: yes[NEWLINE]agent: You can apply for an income - driven repayment plan that limits your payments to a percentage of your income[NEWLINE][BOUNDARY][NEWLINE]user: I'd also like to learn more about Entrance Counseling. What information do you have on entrance counseling?[NEWLINE]agent: 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.[NEWLINE][BOUNDARY][NEWLINE]user: What can you tell me about TEACH grant counseling?[NEWLINE]agent: Well, you can complete TEACH Grant Initial and Subsequent Counseling.[NEWLINE][BOUNDARY][NEWLINE]user: Alright then. Finally, how do I begin my exit counseling session?
user: what can you tell me about new applicants for income-based student loan repayment[NEWLINE]agent: Don't currently have an income-based plan and want to apply?[NEWLINE]user: not[NEWLINE][BOUNDARY][NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: Who should complete this?[NEWLINE]agent: Borrowers currently on an IDR Plan who need to re - certify or make changes to their repayment plan[NEWLINE][BOUNDARY][NEWLINE]user: may I Submit annual re-certification of my income[NEWLINE]agent:  yes, LOG IN TO START[NEWLINE][BOUNDARY][NEWLINE]user: What is Income-Driven Repayment?[NEWLINE]agent: Pay As You Earn Repayment Plan PAYE[NEWLINE][BOUNDARY][NEWLINE]user: If I income or family size has changed
user: What is a student loan deferment for?[NEWLINE]agent: You won't have to make a payment on deferment but you probably won't be making any progress toward forgiveness or paying back your loan.[NEWLINE]user: Are there any alternatives to a deferment?[NEWLINE]agent: Yes, you might want to think about an income-driven repayment plan.[NEWLINE]user: related to obtaining temporary relief, may there be any suspension in payments due to the covid 19 pandemic?[NEWLINE]agent: Yes, It also apply for it.[NEWLINE][BOUNDARY][NEWLINE]user: And which options do you bring for this case?[NEWLINE]agent: Have you check the different type of deferment and forbearance there is?[NEWLINE]user: I have seen some of them.[NEWLINE]agent: You can just suspend for a time your payments too.[NEWLINE][BOUNDARY][NEWLINE]user: I can do this even applying to the deferment and the forbearance.
user: What student loan types are eligible for deferment?[NEWLINE]agent: Direct Loan, FFEL Program loan, and Perkins Loan borrowers are allowed deferments.[NEWLINE]agent: Have you received a Perkins Loan?[NEWLINE]user: No I have not used a Perkins Loan.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE]user: What happens if I stop paying and my deferment is not approved?[NEWLINE]agent: Your loan will be considered delinquent and then go into default.[NEWLINE][BOUNDARY][NEWLINE]user: I have a loan forbearance beacause of COVID-19. is there any relief of student loans payments because of COVID-19?[NEWLINE]agent: 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.[NEWLINE][BOUNDARY][NEWLINE]user: Am I able to get a mandatory forbearance if I am in Medical or Dental Internship or Residency?[NEWLINE]agent: Yes, if you are serving in a medical or dental internship or residency program and meet other requirements.[NEWLINE][BOUNDARY][NEWLINE]user: What is the time frame of a mandatory forbearance?
user: What loan types are eligible for Deferment?[NEWLINE]agent: Deferments are available for Direct Loan, FFEL Program Loan, and Perkins Loans.[NEWLINE]agent: Do you have a Perkins Loan?[NEWLINE]user: No I have not received a Perkins Loan.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE]user: What will happen if I stop paying and my deferment is not approved?[NEWLINE]agent: Your loan will be delinquent and you could go into default.[NEWLINE][BOUNDARY][NEWLINE]user: Is there an annual recertification requirement for my Income-Driven Repayment Plan?[NEWLINE]agent: Yes it is important that you recertify every year.[NEWLINE][BOUNDARY][NEWLINE]user: I have lost my part time job as a result of COVID-19 and am unable to make my payments on my student loan. Can I get help with this?[NEWLINE]agent: Am I correct then in assuming that you will not be able to make any sort of payment on your loan?[NEWLINE]user: Yes that is correct.
user: What loan types can get deferments?[NEWLINE]agent: If you have a Direct Loan, FFEL Program loan, or a Perkins Loan you can apply for a deferment.[NEWLINE]agent: Did you receive a Perkins Loan?[NEWLINE]user: Yes, I have a Perkins Loan.[NEWLINE]agent: Then you are also eligible for a deferment while you are working toward cancellation on your Perkins Loans.[NEWLINE][BOUNDARY][NEWLINE]user: no, i would like to know what happens if my loan is transferred to a new administrator?[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: Btw, for Perkins Loans. What will happen if I stop paying while my deferral is not approved?[NEWLINE]agent: You loan will be considered delinquent and you might go into default.[NEWLINE][BOUNDARY][NEWLINE]user: What types of student loans am I able to repay through an income-driven repayment plan?[NEWLINE]agent: The chart on our website shows the types of federal student loans that you can repay under each of the income-driven repayment plans.[NEWLINE][BOUNDARY][NEWLINE]user: Another point to consider is the deferment duration. Will I be liable for paying the interest if I put my payments on hold?[NEWLINE]agent: Yes, you might still be responsible for paying the interest that accrues during the deferment and you can look at the tables below to show when you are responsible for the interest based on loan type.[NEWLINE][BOUNDARY][NEWLINE]user: Do I need to complete the Parent PLUS Borrower Deferment Request?[NEWLINE]agent: Yes, you would need to since you are the parent requesting the deferment.[NEWLINE][BOUNDARY][NEWLINE]user: Could I be qualified for a Rehabilitation Training Deferment?
user: What are the loan types eligible for deferment?[NEWLINE]agent: Those are Direct Loan, FFEL Program loan, and Perkins Loan borrowers.[NEWLINE]agent: Have you received a Perkins loan?[NEWLINE]user: Yes, I have.[NEWLINE]agent: Then you can also be eligible for a deferment while you are working to fully pay your Perkins Loan.[NEWLINE][BOUNDARY][NEWLINE]user: What can I do if I apply for an income-driven repayment plan?[NEWLINE]agent: Completing the application allows you to select an income-driven repayment plan by name or  request that your loan servicer determine what plan you qualify for. The loan servicer would then place you on the plan with the lowest monthly payment.[NEWLINE][BOUNDARY][NEWLINE]user: I would like more information about Parent PLUS borrower deferments, how do I qualify for this?[NEWLINE]agent: parents who received a Direct PLUS Loan to help pay their child's education and whose child is enrolled at least half-time at an eligible college or career school, may qualify for this deferment.[NEWLINE][BOUNDARY][NEWLINE]user: I see what you mean. Another request for a forbearance question. And how do I go about requesting such a reprieve?[NEWLINE]agent: Most types of forbearance are not automatic you need to submit a request to your student loan servicer, often using a form. 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, for Parent PLUS borrower deferment. If I quit paying my student loan, what will happen to my requested deferment?[NEWLINE]agent: if you stop paying your loan before you've been notified that your request for deferment has been granted then your deferment will not be approved and your loan will become delinquent and you may go into default.[NEWLINE][BOUNDARY][NEWLINE]user: and what if I'm eligible for the deferment and rolled for at least half-time?[NEWLINE]agent: In most cases, your loan will automatically be placed into a deferment based on enrollment information reported by your school.[NEWLINE]user: How will I know if my deferment is granted?
user: Is a student loan deferment something that would help me if I need additional time to make my payments?[NEWLINE]agent: If you choose to use a deferment you will not have to make a payment, but you also probably won't be making any progress toward forgiveness or paying back  your loan.[NEWLINE]user: Is there an alternative solution to a student loan deferment?[NEWLINE]agent: You might want to consider income-driven repayment.[NEWLINE][BOUNDARY][NEWLINE]user: Regarding deferral or forbearance in loans, why compounding makes my interest go up?[NEWLINE]agent: that's 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 on most payment plans[NEWLINE][BOUNDARY][NEWLINE]user: How to relieve student loan borrowers during the national COVID-19 emergency?[NEWLINE]agent: Federal student loan borrowers are automatically being placed in an administrative forbearance, which allow to temporarily stop making 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: How can I get relief with lower payments on an income-driven repayment plan?
user: What loan types are available for deferment?[NEWLINE]agent: The loans available for deferment are Direct Loan, FFEL Program Loan, and Perkins Loan Borrowers.[NEWLINE]agent: Did you receive a Perkins Loan?[NEWLINE]user: Yes, I currently have a Perkins Loan.[NEWLINE]agent: Then you may be eligible for a deferment while you are working toward a cancellation on your Perkins Loan.[NEWLINE][BOUNDARY][NEWLINE]user: On a somewhat related note,  about Direct Loan Program. This is also related to the amount of taxes that I will have to pay?[NEWLINE]agent: Yes, you will need to pay taxed based on the amount forgiven.[NEWLINE][BOUNDARY][NEWLINE]user: Good to know. Another thing about Loan Types Eligible for Deferment. What if I no longer meet the deferment eligibility requirements?[NEWLINE]agent: You actually can receive a six month post deferment grace period.[NEWLINE][BOUNDARY][NEWLINE]user: Another concern I have is about repayment in each plan. How long would it take to repay the loan?[NEWLINE]agent: Income-driven repayment plans have different repayment periods.[NEWLINE][BOUNDARY][NEWLINE]user: About the types of loans eligible for deferral, what consequences will I have if I stop paying and / or my summons is not approved?[NEWLINE]agent: Your loan will be considered delinquent and will probably go into default.[NEWLINE][BOUNDARY][NEWLINE]user: What should I do if I can't make a payment for my student loan?[NEWLINE]agent: It is in your best interest to call your student loan service immediately when you are having trouble making your payment.[NEWLINE][BOUNDARY][NEWLINE]user: What happens with an In-School deferment?
user: What is a student loan deferment?[NEWLINE]agent: With a student loan deferment you won't have to make a payment but it does not help you pay back your loan, so you should see if it is the best option for you.[NEWLINE]user: Are there any alternatives to a deferment?[NEWLINE]agent: Yes, you could always consider an income-driven repayment.[NEWLINE]user: Something else I want to ask about my loan payments, could I suspend my monthly payments because I am out of 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: Hi, Could you please give me information about the student loan deferment program.[NEWLINE]agent: Yes I can give you further information about the program. If you qualify for the deferment you won't have to make a payment on your loan but if you use this option you probably won't be making any progress toward paying back your loan.[NEWLINE]agent: Have you considered any of the other alternatives that are available to you?[NEWLINE]user: No I have not.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: :How do I go about getting a Parent PLUS Borrower Deferment?[NEWLINE]agent: To apply for the Parent PLUS Borrower Deferment you will have to complete the Parent PLUS Borrower Deferment request.[NEWLINE][BOUNDARY][NEWLINE]user: Very well. I would also like to know the payment plan and if it is renewed every year?[NEWLINE]agent: Yes it is important that you recertify every year.[NEWLINE][BOUNDARY][NEWLINE]user: I have lost my part time job as a result of COVID-19 and am unable to make my payments on my student loan. Can I get help with this?[NEWLINE]agent: Am I correct then in assuming that you will not be able to make any sort of payment on your loan?[NEWLINE]user: Yes that is correct.
user: Hey there, i'm in some situation and have to do something about my student loan. I heard i could deferment it, but i need guidance. Can you help me there, please?[NEWLINE]agent: You did right. It could be some considerations to be done before you choose a to do a deferment. With a deferment, you won't have to make any payment for your loan, but equally, any progress to pay back your loan will be halted, so it could be a risky choice.[NEWLINE]user: Umm, yeah, and that could be bad. Can you give me an alternative to that, then?[NEWLINE]agent: Of course, no problem with that. You can always consider to use an income-driven repayment as a more healthy alternative, so you don't have to delay your payments.[NEWLINE][BOUNDARY][NEWLINE]user: I'm still interested in learning more about Mandatory Forbearance. What loans are qualified for mandatory forbearance?[NEWLINE]agent: eligility would only apply to Direct Loans and FFEL Program loans.[NEWLINE][BOUNDARY][NEWLINE]user: Is there any relief of student loans payment because of COVID-19?[NEWLINE]agent: 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.[NEWLINE][BOUNDARY][NEWLINE]user: Am I able to get a mandatory forbearance if I am in Medical or Dental Internship or Residency?[NEWLINE]agent: Yes, if you are serving in a medical or dental internship or residency program and meet other requirements.[NEWLINE][BOUNDARY][NEWLINE]user: What is the time frame of a mandatory forbearance?
user: I need help with student loan deferment[NEWLINE]agent: I can help you find out if a deferment is the best option for your situation[NEWLINE]agent: Would you like to know about an alternative if that is not for you?[NEWLINE]user: not right now[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: can you tell me if I can get deferment for economic reasons?[NEWLINE]agent: Would you like to see if you qualify for an Economic Hardship Deferment?[NEWLINE]user: yes[NEWLINE]agent: Are you receiving a means-tested benefit like welfare?[NEWLINE]user: no I'm not[NEWLINE]agent: Do you work full-time but have earnings that are below 150% of the poverty guideline for your family size and state of residence?[NEWLINE]user: no don't think so[NEWLINE]agent: Are you serving in the Peace Corps?[NEWLINE]user: no, not serving in anything[NEWLINE]agent: I'm sorry but you do not qualify for an Economic Hardship Deferment.[NEWLINE][BOUNDARY][NEWLINE]user: Do you know about the COVID-19 National Emergency and the Automatic Suspension of Monthly Payments? Does this even refer to the current COVID crisis?[NEWLINE]agent: Yes, It also apply for it.[NEWLINE][BOUNDARY][NEWLINE]user: Regarding my student loan, what information can you give me that will help me to qualify for a PAYE and IBR Plan?
user: Can you tell me anything about direct PLUS loans?[NEWLINE]agent: Sure, Direct PLUS Loans are federal loans that parents can use to help pay the college of their dependant undergraduate children. These loans can help pay expenses not covered by other financial aid.[NEWLINE]agent: Are you interested in applying for a loan?[NEWLINE]user: Not right now.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: But I want to know about the repayment plans.[NEWLINE]agent: One of the repayment plans for Parent PLUS borrowers is the Extended Repayment Plan.[NEWLINE][BOUNDARY][NEWLINE]user: Good to know. Now for these repayment plans, 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?
user: Good day. I have some questions regarding the direct plus loan. It'd be kind of you if you answered them for me.[NEWLINE]agent: Of course. PLUS loans can help pay for education expenses not covered by other financial aid.[NEWLINE]agent: Are you looking to apply?[NEWLINE]user: Yes, that was my plan.[NEWLINE]agent: You can use the online application to apply for a parent PLUS loan.[NEWLINE][BOUNDARY][NEWLINE]user: How will I know who my loan servicer is for loans owned by the US Department of Education ED?[NEWLINE]agent: You can find that out by calling the Federal Student Aid Information Center FSAIC at 1-800-433-3243.[NEWLINE][BOUNDARY][NEWLINE]user: I'd like to know if I can apply for Public Service Loan Forgiveness?  What should I do in order for my loan to be discharged?[NEWLINE]agent: a[NEWLINE][BOUNDARY][NEWLINE]user: Is there a set of requirements for receiving financial aid? What can you tell me about grants?[NEWLINE]agent: Grants are financial aid that's typically based on need and doesn't typically have to be repaid[NEWLINE]user: A question about PLUS Loans, how much can I borrow?[NEWLINE]agent: The maximum PLUS loan amount you can borrow, is the cost of attendance at the school your child will attend, minus any other financial assistance your child receives. The cost of attendance is determined by the school.[NEWLINE][BOUNDARY][NEWLINE]user: a
user: I need information about the direct PLUS loans.[NEWLINE]agent: The direct PLUS Loans are federal loans that can help you pay for education expenses not covered by other financial aid.[NEWLINE]agent: Do you want to apply?[NEWLINE]user: Not at the moment.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: How can I get a public service loan forgiveness?[NEWLINE]agent: To get one you need to repay your loans under an income-driven repayment plan.[NEWLINE][BOUNDARY][NEWLINE]user: ok good, regarding the types of financial aid, is there any financial aid for military families?[NEWLINE]agent: Yes. There is aid available for members of military families.[NEWLINE]user: Does my state government offer financial aid?[NEWLINE]agent: Yes. Your state government is another source for financial aid.[NEWLINE][BOUNDARY][NEWLINE]user: What is the work-study program?
user: What are Direct Plus Loans?[NEWLINE]agent: Direct Plus Loans are federal loans that parents of dependent undergraduate students can use to help pay for college or career school which help pay for education expenses not covered by financial aid.[NEWLINE]agent: Are you looking to apply?[NEWLINE]user: No not at this time.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: When can I can my loan after it is disbursed?[NEWLINE]agent: You may cancel all or part of the loan within certain time frames and the information you receive along with your promissory note will explain the procedures and the time frames for cancelling your loans.[NEWLINE][BOUNDARY][NEWLINE]user: Good to know. Now, about  the federal student aid for non-U.S. citizens, what other documents can we use to know if we are eligible?[NEWLINE]agent: Do you know if you are an eligible noncitizen?[NEWLINE]user: I think I'm not eligible[NEWLINE]agent: Do you have only a Notice of Approval to Apply for Permanent Residence I-171 or I-464?[NEWLINE]user: yes, I read about that, that is why I said I think I'm not eligible[NEWLINE]agent: You are not an eligible noncitizen and can not receive federal student aid.[NEWLINE][BOUNDARY][NEWLINE]user: what if I had an expired document like a green card, will that work even if it's expired?