elplaguister/DTS_session_datasets huggingface dataset:
user: Can I get a teacher loan forgiveness?[NEWLINE]agent: Are you currently in default on a loan?[NEWLINE]user: No, I'm not.[NEWLINE][BOUNDARY][NEWLINE]user: But in case I apply for a teacher loan forgiveness, what should I do if my loan is with a different loan servicers?[NEWLINE]agent: If that's the case, you should submit a separate form to each servicer.[NEWLINE][BOUNDARY][NEWLINE]user: Is the PLUS loan for parents eligible for teacher loan forgiveness?[NEWLINE]agent: No, PLUS loans for parents aren't eligible for this type of forgiveness.[NEWLINE][BOUNDARY][NEWLINE]user: What's the maximum amount I can get in loan forgiveness as a full-time secondary education teacher?[NEWLINE]agent: If you didn't teach mathematics, science, or special education, you may receive up to 5000$ in loan forgiveness.[NEWLINE][BOUNDARY][NEWLINE]user: And what if I'm an AmeriCorps Program volunteer, there's anything I should be aware of when applying for a teacher loan forgiveness?
user: I want to know if I'm eligible for a teacher loan forgiveness.[NEWLINE]agent: Are you in default on a loan?[NEWLINE]user: I am, yes.[NEWLINE]agent: Then first you should make satisfactory repayment arrangements with the holder of the defaulted loan, if you don't do that first then you wouldn't be eligible.[NEWLINE][BOUNDARY][NEWLINE]user: And what do I have to do if the loans are with different loan servicers?[NEWLINE]agent:  just submit a separate form to each of the servicers.[NEWLINE][BOUNDARY][NEWLINE]user: In my case, I taught at school that was included in the TCLI Directory only during my first year of teaching. Would the rest of my teaching years be counted towards the 5 years to qualify for the teacher loan forgiveness?[NEWLINE]agent: Yes, don't worry, the rest of your teaching years on that school will be counted as well.[NEWLINE][BOUNDARY][NEWLINE]user: How can I know if I qualify as a highly qualified teacher?[NEWLINE]agent: You must meet some basic requirements to qualify as a highly qualified teacher, with additional requirements depending of if you are a elementary or secondary school teacher and whether you're new to the teaching profession.[NEWLINE][BOUNDARY][NEWLINE]user: And how do I know if I'm teaching at a low-income school? I worked in an Indian reservation school.
user: I have a teacher loan forgiveness question on how much can be forgiven[NEWLINE]agent: If you qualify you may be be eligible for forgiveness of up to $17,500 on your Direct Subsidized and Unsubsidized Loans and your Subsidized and Unsubsidized Federal Stafford Loans.[NEWLINE]agent: Have you taught full-time for five complete and consecutive academic years in a low-income school or educational service agency?[NEWLINE]user: no, but almost there so just need information[NEWLINE][BOUNDARY][NEWLINE]user: what else do I need to be eligible for the $17,500 forgiveness?[NEWLINE]agent: Are you a highly qualified full-time mathematics or science teachers who taught students at the secondary level?[NEWLINE]user: no I teach English[NEWLINE]agent: Are you a highly qualified special education teacher at either the elementary or secondary level whose primary responsibility was to provide special education to children with disabilities?[NEWLINE]user: no just an English teacher[NEWLINE]agent: You don't qualify for the full $17,500 loan forgiveness.[NEWLINE][BOUNDARY][NEWLINE]user: If the school I was teaching at was considered low-income for a short time but then it wasn't anymore how will my years be counted?
user: what can we get forgiven on a teacher loan?[NEWLINE]agent: The maximum forgiveness amount is either $17,500 or $5,000, depending on the subject area taught.[NEWLINE]agent: Do you have eligible loans under both the Direct Loan Program and the FFEL Program?[NEWLINE]user: yes I do[NEWLINE]agent:  $17,500 or $5,000 is a combined maximum forgiveness amount for both programs[NEWLINE]user: Is it that easy or are there more steps to be eligible for the maximum forgiveness?[NEWLINE]agent: Were you a highly qualified full-time mathematics or science teacher who taught students at the secondary school level?[NEWLINE]user: No I wasn't[NEWLINE]agent: Were you a highly qualified special education teacher whose primary responsibility was to provide special education to children with disabilities?[NEWLINE]user: No I didn't work with special ed students[NEWLINE]agent: You are not eligible for the combined maximum forgiveness amount[NEWLINE][BOUNDARY][NEWLINE]user: what loan forgiveness can I get for a Federal Consolidation Loan?
user: Hey, greetings to you. You know, i got a student loan, so i have to repay it, but i got a teacher job too. That counts for anything on the loan?[NEWLINE]agent: It does, indeed. Being a teacher can be useful for you, as you can get a loan forgiveness, Which amount can be $17,000 or $5,000, depending on the subject area taught.[NEWLINE]agent: I have to ask, Do you have any loan under both the Direct Loan Program and the FFEL Program?[NEWLINE]user: No, i don't have any loan under any of that.[NEWLINE][BOUNDARY][NEWLINE]user: No problem. Say, if i have a plus loan or that other one, Federal Perkins, i still can use forgiveness?[NEWLINE]agent: Sadly, that's a no. The Plus loans and Federal Perkins Loans are out for this forgiveness. However, you could still be eligible to cut down your Federal Perkins loan based on your employment or volunteer service.[NEWLINE][BOUNDARY][NEWLINE]user: Umm, that's a boomer. Oh, well. Returning to earlier question about how much could get for forgiveness, you said it could be up to $17,500, right? How do i qualify for that?[NEWLINE]agent: Are you a qualified full time mathematics or science teacher who taught students at the secondary school level?[NEWLINE]user: Yeah, i was teaching science.[NEWLINE]agent: Excellent, then you can be eligible to get a forgiveness up to $17,500.[NEWLINE][BOUNDARY][NEWLINE]user: Nice, nice. Thanks for that info. Look, i have this doubt. Lets say i already have a loan but i fell on default. That would affect my chances for forgiveness?
user: I need to know if I'm teaching at a low-income school or educational service agency, please[NEWLINE]agent: The school or educational services agency must be listed in the Teacher Cancellation  Low Income (TCLI) Directory, published each year by the US Department of Education.[NEWLINE]agent: Have you found out if your school or educational services agency is classified as low income?[NEWLINE]user: Not yet[NEWLINE]agent: Is the TCLI Directory available before May 1?[NEWLINE]user: No, just after May 1[NEWLINE][BOUNDARY][NEWLINE]user: What if I am applying for forgiveness of loans that are with different loan servicers?[NEWLINE]agent: In that case, you must submit a separate form to each of them[NEWLINE][BOUNDARY][NEWLINE]user: I have taeaching full time for eight complete and consecutive academic years in a low-income school, am I eligible?[NEWLINE]agent: Yes, you may be eligible for forgiveness of up to $ 17,500 on your Direct Subsidized and Unsubsidized Loans and your Subsidized and Unsubsidized Federal Stafford Loans[NEWLINE][BOUNDARY][NEWLINE]user: Can I receive loan forgiveness under both the Teacher Loan Forgiveness Program and the Public Service Loan Forgiveness Program?
user: If I have a defaulted loan, am I eligible for teacher loan forgiveness?[NEWLINE]agent: Are you currently in default with your loan?[NEWLINE]user: Yes, unfortunately, I am[NEWLINE]agent: You will not be eligible for forgiveness of that loan unless you make satisfactory arrangements with the holder of the defaulted loan[NEWLINE][BOUNDARY][NEWLINE]user: What is one of the additional requirements of teacher loan forgiveness for elementary, middle or secondary school teachers who are not new to the profession?[NEWLINE]agent: One of the requirements is that the individual must be made available to the public upon request[NEWLINE][BOUNDARY][NEWLINE]user: What way do I go about applying for teacher loan forgiveness?[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]user: I have loans with different loan servicers and am applying for forgiveness, will that cause a problem?[NEWLINE]agent: You will need to submit a separate form to each loan servicer[NEWLINE][BOUNDARY][NEWLINE]user: Is it possible to receive teacher loan forgiveness on PLUS loans or Federal Perkins Loans?
user: I'm part of the teacher loan program and I wanted to know if I can receive loan forgiveness or not.[NEWLINE]agent: Of course. You can potentially receive forgiveness under both the Teacher Loan Forgiveness Program and the Public Service Loan Forgiveness Program, but not for the same period of teaching service.[NEWLINE]user: Well, what if I complete five years of qualifying teaching and then I get forgiveness of my Direct Loans?[NEWLINE]agent: If you complete five consecutive years of qualifying teaching and receive forgiveness of your Direct Loans under the Teacher Loan Forgiveness Program, any payments you made on your Direct Loans during that five-year period can not be counted toward the required 120 monthly payments for the Public Service Loan Forgiveness Program.[NEWLINE][BOUNDARY][NEWLINE]user: Alright, that makes sense. And what if I'm applying for forgiveness of loans from different loan servicers?[NEWLINE]agent: In that case you must submit a separate form to each of them.[NEWLINE][BOUNDARY][NEWLINE]user: But I can receive forgiveness, right? I mean, if I'm under the teacher loan forgiveness program.[NEWLINE]agent: Yes, you can potentially receive forgiveness under both the Teacher Loan Forgiveness Program and the Public Service Loan Forgiveness Program, but not for the same period of teaching service.[NEWLINE]user: What do I need to do to receive public service loan forgiveness then?[NEWLINE]agent: You would need to make 120 more qualifying monthly payments.[NEWLINE][BOUNDARY][NEWLINE]user: That's a lot, but it's fair enough. Can you tell me more about the teacher loan forgiveness and the benefits of the AmeriCorps program, please?[NEWLINE]agent: Are you an AmeriCorps Program volunteer?[NEWLINE]user: Yes, I am.
user: Hello, I want to know if my federal student loans can be forgiven if I have worked as a teacher.[NEWLINE]agent: Of course. Learn about the forgiveness program to see whether you qualify.[NEWLINE]agent: Did you teach full-time for five complete and consecutive academic years in a low-income school or educational service agency, and do you meet the other listed qualifications?[NEWLINE]user: Yes, I do![NEWLINE]agent: Then you may be eligible for forgiveness of up to $ 17,500 on your Direct Subsidized and Unsubsidized Loans and your Subsidized and Unsubsidized Federal Stafford Loans.[NEWLINE]user: I see. What if I have a federal consolidation loan?[NEWLINE]agent: In that case you may be eligible for forgiveness of the outstanding portion of the consolidation loan that repaid an eligible Direct Subsidized Loan, Direct Unsubsidized Loan, Subsidized Federal Stafford Loan, or Unsubsidized Federal Stafford Loan.[NEWLINE][BOUNDARY][NEWLINE]user: What are the eligibility requirements then?[NEWLINE]agent: Well, you must not have had an outstanding balance on Direct Loans or Federal Family Education Loan FFEL Program loans as of Oct. 1, 1998, or on the date that you obtained a Direct Loan or FFEL Program loan after Oct. 1, 1998.[NEWLINE][BOUNDARY][NEWLINE]user: Now that's interesting, thank you. What do I need to do to receive the maximum $ 17,500 in loan forgiveness?[NEWLINE]agent: Are you a highly qualified full-time mathematics or science teacher who taught students at the secondary school level?[NEWLINE]user: No, sorry.[NEWLINE]agent: Are you a highly qualified special education teacher at either the elementary or secondary level whose primary responsibility was to provide special education to children with disabilities?[NEWLINE]user: No, I'm not.
user: How much loan forgiveness could I possibly get?[NEWLINE]agent: The most loan forgiveness you could get is either$17,500 or $5,000 and it is determined by what subject area you taught.[NEWLINE]user: What if I have eligible loans under both Direct Loan and FFEL Program?[NEWLINE]agent: You still can only receive a combined maximum forgiveness of $17,500 or $5,000.[NEWLINE][BOUNDARY][NEWLINE]user: Do I need to submit a seperate application for both?[NEWLINE]agent: Yes, you would need to submit a seperate application for both.[NEWLINE][BOUNDARY][NEWLINE]user: What a the eligibility requirements for me to get up to $17,500 loan forgiveness?[NEWLINE]agent: Did you teach as a highly qualified full-time math or science teacher at the secondary level.[NEWLINE]user: No, I did not teach those subjects or at that level.[NEWLINE]agent: Are you a highly qualified special ed teacher at the elementary or secondary level whose primary responsibility was to provide special ed to children with disabilities?[NEWLINE]user: No, I am not a special ed teacher.
user: I want to find out more about who is handling my school loan[NEWLINE]agent: We can help you learn about the role that student loan servicers play in the repayment process and which servicer handles your federal student loans[NEWLINE][BOUNDARY][NEWLINE]user: where do I go for info if the loan isn't with the Department of Education?[NEWLINE]agent: Do you have FFEL Program loans that are not owned by ED?[NEWLINE]user: yes[NEWLINE]agent: You should contact your servicer[NEWLINE][BOUNDARY][NEWLINE]user: what do I do after I get the welcome letter on a loan transfer?[NEWLINE]agent: You should start sending in payments to the new servicer[NEWLINE]user: what happens to my loan in a transfer?[NEWLINE]agent: It just means that a new servicer will provide the support you need to fully repay your loans[NEWLINE]user: if it is a Department of Education loan and they transfer it does it become something else?
user: I'd like to know what I can expect from the person in charge of my Student Loan.[NEWLINE]agent: We can provide information about the role that student loan servicers play in the repayment process and which servicer handles your federal student loans.[NEWLINE][BOUNDARY][NEWLINE]user: How do I find out who my servicer is?[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 got an email about a loan transfer. Why is that?[NEWLINE]agent: In some cases, a loan can be transferred from one servicer to another servicer but your loan will still be owned by ED.[NEWLINE]agent: Did the email say that your loan had been transferred?[NEWLINE]user: No, I think it was just explaining what the process was but I didn't really read it all.[NEWLINE][BOUNDARY][NEWLINE]user: And how exactly does a loan servicer help me?[NEWLINE]agent: A loan servicer is a company that we assign to handle the billing and other services on your federal student loan on our behalf, at no cost to you.[NEWLINE]user: Oh cool, it's free. What if I move or something?
user: hi could you tell me who is my student loan manager?[NEWLINE]agent: Of course Learn about the role student loan servicers play in the repayment process and which servicer handles your federal student loans[NEWLINE][BOUNDARY][NEWLINE]user: and 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: ok i also want contact information for non-ED loans[NEWLINE]agent: Do you have FFEL Program loans that are not owned by ED?[NEWLINE]user: no[NEWLINE]agent: Not sure who your administrator is?[NEWLINE]user: if i'm not sure[NEWLINE]agent: in that caseFind the most recent communication from the entity that sends you invoices for your loan payments.[NEWLINE][BOUNDARY][NEWLINE]user: and should I ask for help from another company?
user: Hello, I would like to know Who is my student loan administrator?[NEWLINE]agent: It is important to first know the role that student loan administrators play in the repayment process and which administrator handles your federal student loans.[NEWLINE][BOUNDARY][NEWLINE]user: What should I do when I receive the welcome letter from my new administrator?[NEWLINE]agent: You must do the following, do you want to know?[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: And specifically, what do loan managers do?[NEWLINE]agent: A loan servicer is a company we assign to handle billing and other services on your federal student loan on our behalf, at no cost to you.[NEWLINE]agent: And do you know what happens if your circumstances change at any time during your refund period?[NEWLINE]user: if i wanted to know[NEWLINE]agent: in that case your loan manager will be able to help you.[NEWLINE]user: And what else can my administrator help me with?
user: Hello, I came here to learn more about my student loan servicer.[NEWLINE]agent: Then you're in the right place. Here you can learn about the role that student loan servicers play in the repayment process and which servicer handles your federal student loans.[NEWLINE][BOUNDARY][NEWLINE]user: If I contact you, can you tell my loan status?[NEWLINE]agent: Yes, we can tell you your loan status.[NEWLINE]user: Can I also ask you about my bill?[NEWLINE]agent: Yes, you can ask us about your bill.[NEWLINE][BOUNDARY][NEWLINE]user: Is there a way to identify my servicer, too?[NEWLINE]agent: Yes. We have a list of loan servicers for loans that the U.S Department of Education ED owns.[NEWLINE]agent: Do you want to find out who your loan servicer is?[NEWLINE]user: Yes, exactly.[NEWLINE]agent: In that case you can call the Federal Student Aid Information Center FSAIC at 1 - 800 - 433 - 3243.[NEWLINE][BOUNDARY][NEWLINE]user: What if I have loans from the HEAL program, in default?
user: Hello, I would like to know Who is my student loan administrator?[NEWLINE]agent: Of course, we can also help you learn about the role student loan administrators play in the repayment process and which administrator handles your federal student loans.[NEWLINE][BOUNDARY][NEWLINE]user: Who should I contact for information on loans?[NEWLINE]agent: Is your loan for the current or next school year?[NEWLINE]user: yes for the current school year[NEWLINE]agent: In that case contact your school's financial aid office directly for information on[NEWLINE][BOUNDARY][NEWLINE]user: Another question, these days a private company contacted me to ask me to pay the registration fees, is that normal?[NEWLINE]agent: in that case it is not us, you must withdraw it is a scam.[NEWLINE][BOUNDARY][NEWLINE]user: ok thanks for the warning, I'll keep that in mind. something else I would like to have more understanding of loan transfers, could you help me?[NEWLINE]agent: Of course In some cases, we need to transfer loans from one administrator to another administrator.[NEWLINE]user: and can they transfer it to other administrators?
user: What can I learn about my student loan servicer?[NEWLINE]agent: You can learn about the student loan servicers and what role they play in the repayment process.[NEWLINE][BOUNDARY][NEWLINE]user: What will happen if my loan is transferred to another loan servicer?[NEWLINE]agent: You should receive an email or letter from your assigned servicer to tell you about the transfer.[NEWLINE][BOUNDARY][NEWLINE]user: What if I have FFEL Program loans that are not owned by ED?[NEWLINE]agent: Then you would need to contact your servicer for details about repayment options and tools.[NEWLINE][BOUNDARY][NEWLINE]user: What if my federal student loan was transferred from one servicer to a different one?[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][BOUNDARY][NEWLINE]user: What if I have FFEL Program loans not owned by ED and need to contact them?[NEWLINE]agent: Do you need to contact your FFEL Program loans not owned by ED servicer?[NEWLINE]user: Yes, I do need to contact them about details.
user: hi[NEWLINE]agent: For that kind of matters, you can use our information tools to determine which servicer handles your student loans.[NEWLINE][BOUNDARY][NEWLINE]user: O.k, but what if my student loans are from a servicer which is not with the Department of Education?[NEWLINE]agent: For those kind of loans, you'll have to contact the servicer itself to get any details about it and any other data related to repayment options and tools.[NEWLINE][BOUNDARY][NEWLINE]user: Oh, i see. Well, i suppose that's what will be done. Hey, Can you explain to me what a servicer can do?[NEWLINE]agent: Sure. As you probably know already, they are related to loans management, so in a formal way, they are companies that we assign to handle the billing and other services on your federal student loan on our behalf. That service is done without any cost for you.[NEWLINE]agent: Just for checking, Have your current loan conditions changed lately?[NEWLINE]user: You know what?, I fact, they have change, yeah.[NEWLINE]agent: Understood. In that case, you'll find that your loan servicer will be a great help to you.[NEWLINE][BOUNDARY][NEWLINE]user: Well, I hope that be true, honest. So, going back a little, Can't you help me to know who's my servicer then?[NEWLINE]agent: Not if your loan isn't owned by ED. But, if happens that you have a loan owned by the Department of Education, then you can make use of the following number for the Federal Student Aid Information Center: 1-800-433-3243-[NEWLINE][BOUNDARY][NEWLINE]user: O.K., got it. I can be handy, i guess. Look, I'm not saying it's my case, but what can I do if lets say, I'm still going to classes and got this disbursed loan?
user: Hi, I need to know who my loan manager is, please.[NEWLINE]agent: This loan servicer is intended to manage your federal student loans[NEWLINE][BOUNDARY][NEWLINE]user: What requirements should be managed for non-ED loans?[NEWLINE]agent: FFEL Program loans are unrelated to others[NEWLINE]user: The FFEL Program loan is linked to ED[NEWLINE]agent: Your administrator must have all this information at hand[NEWLINE][BOUNDARY][NEWLINE]user: Those loans is for this or the other year?[NEWLINE]agent: Your school's financial aid office must have that information[NEWLINE][BOUNDARY][NEWLINE]user: Can the school be the entity that administers my loans?[NEWLINE]agent: Yes of course, contact that one among them they have the information[NEWLINE][BOUNDARY][NEWLINE]user: Do I have to pay federal student loan assistance?
user: Hello, i'm about to start my loan repayment and was told about some counseling, Would you help me there, please?[NEWLINE]agent: O.k, lets check. You probably mean Exit Counseling. Are you familiarized with that figure?[NEWLINE]user: No, i'm afraid not.[NEWLINE][BOUNDARY][NEWLINE]agent: O.K. Do you even know if you are eligible to that option?[NEWLINE]user: Ah, yeah, yeah. That i read about it. I think it has to do with folks that have taken loans or something, right?[NEWLINE]agent: Well, yeah, kinda. It is meant for those students who have received a loan, under the subsidized, unsubsidized or plus options, but have graduated or leave school.[NEWLINE][BOUNDARY][NEWLINE]user: Yeah, see? I told you i knew something. Anyway, what would i need to get that counseling thing?[NEWLINE]agent: Is quite simple, really. All you need is to have your verified Federal Student Aid ID.[NEWLINE]user: Oh, really?. And that would be all you'll ask? Then what?[NEWLINE]agent: Then, you can go through all the proper process to to the Exit Counseling, no more or less.[NEWLINE][BOUNDARY][NEWLINE]user: So, sorry, but i wasn't paying too much attention. For which circumstances is this counseling valid?