elplaguister/DTS_session_datasets huggingface dataset:
user: can you tell me what is income based payment?[NEWLINE]agent: Income-driven IDR payment plans are designed to make your student loan debt more manageable by reducing the amount of your monthly payment.[NEWLINE]agent: Do you need to make lower monthly payments?[NEWLINE]user: yes[NEWLINE]agent: one of the following income-based plans may be right for you[NEWLINE][BOUNDARY][NEWLINE]user: Who should complete this?[NEWLINE]agent: Borrowers who are not currently on an IDR plan looking for a lower monthly payment on their federal student loans[NEWLINE][BOUNDARY][NEWLINE]user: which plan is more suitable for me?[NEWLINE]agent: Pay what you earn PAYE payment plan[NEWLINE][BOUNDARY][NEWLINE]user: What do I do 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: is there another plan that could help me
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]user: and how do I start this process?[NEWLINE]agent: you just need to SIGN IN TO GET STARTED[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: Who should complete this?[NEWLINE]agent: Borrowers currently on an IDR Plan who need to recertify or make changes to their repayment plan.[NEWLINE][BOUNDARY][NEWLINE]user: What plan could be suitable for me?
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: Who should complete this?[NEWLINE]agent: Borrowers who are not currently on an IDR plan looking for a lower monthly payment on their federal student loans[NEWLINE][BOUNDARY][NEWLINE]user: Is there a repayment plan?
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]user: can I recalculate my monthly payment[NEWLINE]agent: yes, LOG IN TO START[NEWLINE][BOUNDARY][NEWLINE]user:  Preview a read - only version of the complete form
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]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: what can you tell me about Returning IDR Applicants[NEWLINE][BOUNDARY][NEWLINE]agent: Presento una recertificación anual de sus ingresos[NEWLINE]user: not[NEWLINE][BOUNDARY][NEWLINE]agent: you want to Recalculate your monthly payment[NEWLINE]user: not[NEWLINE][BOUNDARY][NEWLINE]agent: want to change your current plan to a new one
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]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][BOUNDARY][NEWLINE]user: What will happen if I stop making payments and my deferment has not been approved yet?[NEWLINE]agent: Actually, your loan will become what we call delinquent and you may be considered into default.[NEWLINE][BOUNDARY][NEWLINE]user: What if I am in the military service or post-active duty, can I get a student deferment?[NEWLINE]agent: Would you like to know Are you eligible for deferment because you are in the military?[NEWLINE]user: Yes, I am in the military.[NEWLINE]agent: Are you on active duty right now?[NEWLINE]user: Yes, I am active duty military.[NEWLINE]agent: Then you may be eligible for the deferment for military service.[NEWLINE][BOUNDARY][NEWLINE]user: Why would I have to complete DirectPlus Loan request for deferment?
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]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: What is important to know about in school deferment?[NEWLINE]agent: It is important for you to understand what happens when you are attending school and the deferment process during that time.[NEWLINE]user: Should I contact the school I am enrolled at to start the deferment process?[NEWLINE]agent: Yes, you should contact the school you are enrolled in because they will report the info about your enrollment status so you will be placed into deferment.[NEWLINE][BOUNDARY][NEWLINE]user: What are income-driven repayment plans?
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]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: What if I am in the military and want a deferment?[NEWLINE]agent: You will have to complete the Military Service and Post-Active Duty Student Deferment Request.[NEWLINE][BOUNDARY][NEWLINE]user: What if I have an economic hardship?[NEWLINE]agent: You will need to complete the Economic Hardship Deferment Request.[NEWLINE][BOUNDARY][NEWLINE]user: Could income-driven plans provide loan forgiveness?
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]user: What will happen if I stop paying while my deferment is not approved?[NEWLINE]agent: You loan will be considered delinquent and you might go into default.[NEWLINE][BOUNDARY][NEWLINE]user: Will I be responsible for paying the interest while on deferment?[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:  And about Parent PLUS borrower deferment?[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:  What could happen to my requested deferment if I stop paying my student loan?[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: What is the eligibility criteria for a deferment?[NEWLINE]agent: Do you think that you may qualify for a Hardship Deferment?[NEWLINE]user: How do I find out if I qualify for that Hardship Deferment?[NEWLINE]agent: Are you receiving any sort of welfare?[NEWLINE]user: I am not receiving any sort of welfare at all.[NEWLINE]agent: Are you working full-time with earnings that would fall below 150% of the poverty guideline for your family size and state of residence?[NEWLINE]user: I am not working full-time as I am a student.[NEWLINE]agent: Are you serving in the Peace Corps?[NEWLINE]user: I am not.  I am simply a full-time student.
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]user: What if I no longer meet the deferment eligibility requirements?[NEWLINE]agent: You actually can receive a six month post deferment grace period.[NEWLINE]user: What will happen if my deferment is not approved and I stop paying?[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: Does it help make progress to loan forgiveness if I do a deferment?[NEWLINE]agent: In majority of the cases it does not help make any progress to loan forgiveness.[NEWLINE][BOUNDARY][NEWLINE]agent: Would you like some relief with lower payments through Income-Driven Repayment Plan?[NEWLINE]user: I have not decided yet.[NEWLINE][BOUNDARY][NEWLINE]agent: Do you realize interest accrues during deferment?[NEWLINE]user: Yes, I am aware interest will accrue during the deferment period.[NEWLINE]agent: Do you know what happens if you are granted the deferment?
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][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: What loans qualify for non payment during the post-deferment grace period?[NEWLINE]agent: There are several loan types that are eligible for deferment. One of them is the FFEL Program loan.[NEWLINE][BOUNDARY][NEWLINE]user: Is there any help for persons in the military service?[NEWLINE]agent: Are you on active military service at the moment?[NEWLINE]user: No I am not.[NEWLINE]agent: Have you completed any military service at all?[NEWLINE]user: No I have never done any military service.
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: Well, that certainly looks like an alternative. I'm not saying anything, but, if i really need a deferment, you know, because my economy, can i get one?[NEWLINE]agent: Well, if you qualify under certain circumstances, indeed you can get a deferment. I have to ask then, Are you receiving welfare benefits right now?[NEWLINE]user: No, i'm not on any of those plans right now.[NEWLINE]agent: Good. Next, then. Are you working full time, but happens that your earnings are below 150% of the poverty guideline, based on your family size and state of residence?[NEWLINE]user: Thank God, no. I'm not employed right now, but my family are well for now.[NEWLINE]agent: That's good. Lastly, Are you by any chance, serving on the peace corps?[NEWLINE]user: No, sorry, but no. I've never been on service for any group like that.
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][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
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][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: What if I have an adverse credit history, can I still apply for a parent PLUS loan?[NEWLINE]agent: During the application process, a credit check is performed and if you have an adverse credit history you still can apply for a parent PLUS loan through a couple of options.[NEWLINE]agent: Do you currently have an adverse credit history?[NEWLINE]user: Yes, I do.
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: Are you seeking Public Service Loan Forgiveness?[NEWLINE]agent: a[NEWLINE][BOUNDARY][NEWLINE]user: a[NEWLINE]agent: a[NEWLINE][BOUNDARY][NEWLINE]user: a[NEWLINE]agent: a[NEWLINE][BOUNDARY][NEWLINE]user: a[NEWLINE]agent: 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][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: What is the interest rate for Direct PLUS Loans?[NEWLINE]agent: for loans disbursed on or after July 1, 2019, the interest rate is 7.08% which is a fixed interest rate for the life of the loan.[NEWLINE][BOUNDARY][NEWLINE]user: Can you tell me where can I get info about the parent PLUS loans I've received?[NEWLINE]agent: You can visit My Aid to get information about all the federal student loans and other financial aid you've received.[NEWLINE][BOUNDARY][NEWLINE]user: What should I be aware of after receiving a parent PLUS loan?
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][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: Is there a possibility that my loan can be forgiven or discharged?[NEWLINE]agent: Only under certain conditions can you have all or some of the loan discharged or forgiven.[NEWLINE]agent: Are you seeking Public Service Loan Forgiveness?[NEWLINE]user: Yes, I am seeking Public Service Loan Forgiveness.
user: I'm here to learn more about direct plus loans. What can you tell me?[NEWLINE]agent: PLUS loans can help pay for education expenses not covered by other financial aid.[NEWLINE]user: a[NEWLINE]agent: a[NEWLINE][BOUNDARY][NEWLINE]user: a[NEWLINE]agent: a[NEWLINE]user: a[NEWLINE]agent: a[NEWLINE]user: a[NEWLINE]agent: a[NEWLINE]user: a[NEWLINE]agent: a[NEWLINE][BOUNDARY][NEWLINE]user: a
user: You can help me with Direct PLUS loans[NEWLINE]agent:  Okay, PLUS loans can help pay for education expenses not covered by other financial aid[NEWLINE]agent: Do you want to apply for a loan?[NEWLINE]user: not yet, I want to learn more before I decide[NEWLINE][BOUNDARY][NEWLINE]user: If we go with a PLUS loan will the application be the same for all schools for a parent loan?[NEWLINE]agent: When you use our site to apply for a loan it will tell you about the application process for the school you have selected.  You can also check with the school’s financial aid office to find out how to request a parent PLUS loan.[NEWLINE]user: and if it is different I can just do it with the school?[NEWLINE]agent: The school's financial aid office can help you request a parent PLUS loan[NEWLINE][BOUNDARY][NEWLINE]user: what can help me get a loan if I have bad credit?[NEWLINE]agent: One thing you can do is get an endorser who does not have an adverse credit history. An endorser is someone who agrees to repay the parent PLUS loan if you do not repay it.[NEWLINE][BOUNDARY][NEWLINE]user: do we do the application online or go to the school?
user: I wanted to apply for a direct plus loan, but need some information.[NEWLINE]agent: a[NEWLINE]agent: a[NEWLINE]user: a[NEWLINE]agent: a[NEWLINE][BOUNDARY][NEWLINE]user: a[NEWLINE]agent: a[NEWLINE][BOUNDARY][NEWLINE]user: a[NEWLINE]agent: a[NEWLINE]user: a[NEWLINE]agent: a[NEWLINE]user: a[NEWLINE]agent: a[NEWLINE]user: a
user: I want to know about Direct PLUS loans.[NEWLINE]agent: Direct PLUS loans are federal loans that you can use to help pay for education expenses not covered by other financial aid.[NEWLINE]agent:  Are you looking to apply for a Direct PLUS Loan?[NEWLINE]user: Not right now.[NEWLINE][BOUNDARY][NEWLINE]user:  What I want to know is where to find information about the parent PLUS loans I've received.[NEWLINE]agent: You can visit My Aid to get information about all of the federal student loans and other financial aid you've received and also get contact information for your loan servicer.[NEWLINE][BOUNDARY][NEWLINE]user: Can I cancel a loan?[NEWLINE]agent: Yes, you can cancel all or part of the loan before the money is disbursed. You just need to notify the school.[NEWLINE]agent: You can also do it after the money is disbursed. Does this interest you?