elplaguister/DTS_session_datasets huggingface dataset:
user: Hello, good to talk with you. I'm looking to know some things about the loan program, can you help me out?[NEWLINE]agent: No problem, that's why we are here. Before anything else, Do you know what is a Direct plus Loan?[NEWLINE]user: Yeah, i know the basics about it, but that's why i'm looking for guidance here, to be sure about some other things.[NEWLINE]agent: That's great. Just for a reminder, This proceeding you are doing right now is to obtain additional information about your loan process. Depending on your selected school, such process could vary.[NEWLINE]agent: By the way, Have you put a freeze on your credit file?[NEWLINE]user: No, i didn't do that.[NEWLINE][BOUNDARY][NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: O.k, Thanks. In any case, if i want to apply for a loan, should i go online to do that?[NEWLINE]agent: That's affirmative. You should start to going online and login in to start all the loan process.[NEWLINE][BOUNDARY][NEWLINE]user: Regarding with Credit Decision Demo | Extenuating Circumstances | Federal Student Aid. How do i get an adverse credit? It is because any debt?[NEWLINE]agent: Not for nay debt. If your total balance for those debts go above $2,085, then it is considered adverse credit.[NEWLINE][BOUNDARY][NEWLINE]user: Oh, that's interesting. Say, can you tell me about some extenuating circumstances?
user: Need help with the Direct Plus Loan Application for graduate students.[NEWLINE]agent: Would you like to learn what a Direct Plus Loan Application for graduate students is?[NEWLINE]user: No, I know what the Direct Plus Loan application is.[NEWLINE][BOUNDARY][NEWLINE]agent: Do you want to apply for a PLUS Loan?[NEWLINE]user: No, I do not need to apply for a PLUS Loan at this time.[NEWLINE][BOUNDARY][NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: When do I complete the Direct PLUS Loan MPN?[NEWLINE]agent: You have the chance to complete the Direct PLUS Loan MPN after you have completed the Direct PLUS Loan Request.[NEWLINE]user: What happens if I have placed a security freeze on my credit file?[NEWLINE]agent: You definitely have to lift or remove the freeze at each credit bureau before you will be able to continue because your application will not be processed otherwise.[NEWLINE][BOUNDARY][NEWLINE]user: Can I use my computer to apply for a PLUS Loan?
user: I have some questions about the direct plus loan.[NEWLINE]agent: a[NEWLINE]user: Sure, go ahead.[NEWLINE]agent: It is a request for supplemental information in connection with your application for a Federal Direct PLUS Loan Direct PLUS Loan through the William D. Ford Federal Direct Loan Direct Loan Program. Some schools may have a different process for obtaining the additional information needed to process your Direct PLUS Loan application.[NEWLINE][BOUNDARY][NEWLINE]user: In relation to the Direct PLUS Loan, is TEACH Grant Counseling an option?[NEWLINE]agent: You would have to complete TEACH grant initial and subsequent counseling.[NEWLINE][BOUNDARY][NEWLINE]user: What about financial awareness counseling?[NEWLINE]agent: Financial awareness counseling provides tools and information that would help you understand your particular financial aid and help with managing your finances.[NEWLINE][BOUNDARY][NEWLINE]user: Why is PLUS credit counseling required?[NEWLINE]agent: PLUS credit counseling is required if the US Department of Education has sent you information that you have an adverse credit history.[NEWLINE][BOUNDARY][NEWLINE]user: Is Exit counseling necessary?
user: I'm looking to apply for the Direct PLUS Loan and would like some information please.[NEWLINE]agent: Are you a Graduate or Professional Student?[NEWLINE]user: No, not yet but I'm planning ahead a bit.[NEWLINE][BOUNDARY][NEWLINE]agent: Are you seeking supplemental information about the aid on offer?[NEWLINE]user: No.[NEWLINE][BOUNDARY][NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: My application process has been stalled, why is this?[NEWLINE]agent: It might be because of the following: If you have placed a security freeze on your credit file, you must lift or remove the freeze at each credit bureau before you continue. Your application will not be processed if you have a security freeze..[NEWLINE]user: I find myself needing more information, is that possible?[NEWLINE]agent: We can provide you with supplemental information in connection with your application for a Federal Direct PLUS Loan  through the William D. Ford Federal Direct Loan Direct Loan Program.[NEWLINE]user: What do I have to do in order to apply for a Direct PLUS Loan?
user: hello could you help me with the PLUS Direct Loan Application for graduate students[NEWLINE]agent: Do you want to know what is a direct PLUS loan application for graduate / professional students?[NEWLINE]user: Yes please[NEWLINE]agent: ok, This is a request for supplemental information regarding your application for a Federal Direct PLUS Loan Direct PLUS Loan through the William D. Ford Federal Direct Loan Direct Loan Program. Some schools may have a different process to obtain the additional information necessary to process your Direct PLUS Loan application.[NEWLINE]agent: Have you placed a security lock on your credit file?[NEWLINE]user: No, I have not placed a security lock[NEWLINE][BOUNDARY][NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: Could you tell me what is a direct PLUS loan application for graduate / professional students?[NEWLINE]agent: This is a request for supplemental information regarding your request. The information you provide will be sent to the school you select. The school you select will use the information collected to determine your eligibility for a Direct PLUS Loan and to process your application.[NEWLINE]user: I see, I have another question regarding the PLUS loan application of the Direct Loan Program for parents, what can I do with the funds or products of this loan when it is approved?[NEWLINE]agent: This loan allows you to authorize your school to use the funds of the loan to pay for any other charges that arise and are related to your child's education. This is after tuition, fees and room and board have been paid[NEWLINE]user: And do I have to authorize my school to do this?
user: can you give me information about the PLUS direct loan application for postgraduate students[NEWLINE]agent: Do you want to know what is a direct PLUS loan application for graduate / professional students?[NEWLINE]user: no[NEWLINE][BOUNDARY][NEWLINE]agent: Do you know what to do to apply for a PLUS loan?[NEWLINE]user: Yes please[NEWLINE]agent: the first thing you should do is LOG IN TO GET STARTED[NEWLINE][BOUNDARY][NEWLINE]user: I have another question about PLUS loan application, do I have to complete exit counseling when graduating, too?[NEWLINE]agent: Yes, you do.[NEWLINE][BOUNDARY][NEWLINE]user: That's interesting, didn't know that. And who needs to complete exit counseling?[NEWLINE]agent: Students who have received a subsidized, unsubsidized or PLUS loan under the Direct Loan Program or the (FFEL) Program, must complete exit counseling each time they drop below half-time enrollment, graduate, or leave school.[NEWLINE][BOUNDARY][NEWLINE]user: Do I also need a verified FSA ID for this?
user: hi[NEWLINE]agent: hi[NEWLINE]user: hi[NEWLINE]agent: hi[NEWLINE]user: I'd like to know on when did the new regulations for GE Programs become effective?[NEWLINE]agent: In accordance with regulations effective July 1, 2012, the United States Department of Education calculates metrics for GE Programs each year.[NEWLINE]agent: and do you know the reasons why assumptions cannot be made?[NEWLINE]user: no but i want to meet them
user: What is gainful employment information mean?[NEWLINE]agent: Gainful employment means in order to get federal student aid a student must take an educational degree at a non-profit or public institution that will prepare them for gainful employment in a recognized occupation.[NEWLINE]user: Is there an special act that states this?[NEWLINE]agent: Yes, the Higher Education Act Title IV student assistance programs.[NEWLINE][BOUNDARY][NEWLINE]user: Is there glossary of terms used in the data spreadsheet?[NEWLINE]agent: Yes, there is a glossary of terms used in the D/E data spreadsheet.[NEWLINE][BOUNDARY][NEWLINE]user: I see. Another question about how I can get paid employment and also. When did the new regulations go into effect?[NEWLINE]agent: In accordance with regulations effective July 1, 2012, the United States Department of Education calculates metrics for GE Programs each year.[NEWLINE]agent: and do you know the reasons why assumptions cannot be made?[NEWLINE]user: no but i want to meet them
user: Hey, good morning. I'm looking for some information about the gainful employment, please.[NEWLINE]agent: Yeah, no problem. A gainful employment is one of the objectives that any educational program should have through preparation of the student. With that, the student can be eligible for student assistance programs.[NEWLINE]user: So, basically, you need to be sure that the institution is preparing the people for real world, to say something?[NEWLINE]agent: You could say it in that way, yes. Educational Institution must certainly prepare you for a post in a well recognized occupation.[NEWLINE]user: Can you explained to me this Gainful Employment Information rates? And the allowable assumptions?[NEWLINE]agent: The 2011 Disclosure Rates are not intended to form a basis for making general or specific assumptions or determinations about specific GE Programs, or for projections of future years' rates.[NEWLINE]user: And what happens when the programs do not meet the debt?[NEWLINE]agent: These informative rates were prepared before the years that programs that fail to meet debt measures must provide debt warnings and may lose eligibility after failing three of four consecutive years.[NEWLINE]user: Which loans were calculated for disclosure purposes?
user: I have some questions I need answered about gainful employment.[NEWLINE]agent: I can help you with that. To qualify for funding under the Higher Education Act Title IV student assistance program, the educational program you receive has to lead to a degree on a non-profit or public institution or prepare the student for gainful employment in a recognized profession.[NEWLINE]user: What is the Discretionary Income Rate?[NEWLINE]agent: Discretionary Income Rates of 20% or less are considered passing rates, rates higher than 20%, but less than or equal to 30% are called zone rates, and rates greater than 30% are failing rates.[NEWLINE]user: Good to know, now about the downloadable paid employment spreadsheet, what reasons make the information rates not allow for assumptions?[NEWLINE]agent: The 2011 Disclosure Rates are not intended to form a basis for making general or specific assumptions or determinations about specific GE Programs, or for projections of future years' rates.[NEWLINE]user: And what happens when the programs do not meet the debt?[NEWLINE]agent: These informative rates were prepared before the years that programs that fail to meet debt measures must provide debt warnings and may lose eligibility after failing three of four consecutive years.[NEWLINE]user: Which loans were calculated for disclosure purposes?
user: a[NEWLINE]agent: a[NEWLINE][BOUNDARY][NEWLINE]user: a[NEWLINE]agent: a[NEWLINE]user: Yes, I have read that.[NEWLINE]agent: Then you should know that the SSA calculates and returns to the U.S. Department of Education the Department the mean and median annual earnings of a cohort of students who completed the GE program during a specified cohort period.[NEWLINE][BOUNDARY][NEWLINE]user: Also, have you heard of GE Programs? When did the new rules become effective?[NEWLINE]agent: In accordance with regulations effective July 1, 2012, the United States Department of Education calculates metrics for GE Programs each year.[NEWLINE]agent: and do you know the reasons why assumptions cannot be made?[NEWLINE]user: no but i want to meet them
user: Yes I'd like some information pertaining to the criteria of gainful employment and student aid.[NEWLINE]agent: An educational program must lead to a degree at a non-profit or public institution or it must prepare students for "gainful employment in a recognized occupation" in order for said program to be eligible for funding under the Higher Education Act Title IV student assistance programs.[NEWLINE][BOUNDARY][NEWLINE]user: What's earnings data and how is it calculated?[NEWLINE]agent: Are you employed?[NEWLINE]user: No, not yet.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: I'm having trouble understanding my Debt-to-Earnings (D/E) Rate Data. What are the little stars for?[NEWLINE]agent: On the spreadsheet, a single asterisk * indicates that the information presented in the field has changed from what was presented prior to the April 25, 2018, update.[NEWLINE][BOUNDARY][NEWLINE]user: Why is it not possible to form a basis for making assumptions about reporting rates?[NEWLINE]agent: The 2011 Disclosure Rates are not intended to form a basis for making general or specific assumptions or determinations about specific GE Programs, or for projections of future years' rates.[NEWLINE][BOUNDARY][NEWLINE]user: That's helpful to hear. Do you have any experience with Debt-to-Earnings? Is it possible to access this spreadsheet through the web?[NEWLINE]agent: Yes we have information on how to [36] Download the Debt to Earnings data spreadsheet.[NEWLINE][BOUNDARY][NEWLINE]user: And how is the Annual Earnings Rate calculated?
user: Hello, I would like to obtain information about paid employment...[NEWLINE]agent: In that case to be eligible to receive funds under the Title IV Student Assistance Programs of the Higher Education Act, an educational program must lead to a degree in a public or non-profit institution or must prepare students for a "gainful employment in a recognized occupation.[NEWLINE][BOUNDARY][NEWLINE]user: and how is the earnings data calculated?[NEWLINE]agent: Could you read what was described above?[NEWLINE]user: no[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: who calculates the annual rate of profit?[NEWLINE]agent: the numerator is the calculated annual loan payment amount, an estimate of the annual loan repayment amount based on the average educational debt of the cohort members. The denominator is the highest of the average or average income of the cohort obtained from the Social Security Administration SSA[NEWLINE]user: Can you tell me on what types of loan are calculated for disclosure purposes?[NEWLINE]agent: The Medium Private Loans, Medium Institutional Loans, and Medium Title IV Loans were calculated for disclosure purposes and are NOT the median used in the Redemption Rate or Debt-to-Income Ratio calculations.[NEWLINE][BOUNDARY][NEWLINE]user: I also need more information about Medium Private Loans and  Medium Institutional Loans, where can I have more information?[NEWLINE]agent: you can use Glossary of terms used in the D / E data spreadsheet...[NEWLINE]user: and where can i see my calculations?
user: hello what paid employment information could you[NEWLINE]agent: To be eligible to receive funds under the Title IV Student Assistance Programs of the Higher Education Act, an educational program must lead to a degree in a public or non-profit institution or must prepare students for "gainful employment in a recognized occupation. " gainful employment in a recognized occupation.[NEWLINE]user: and what does this program require?[NEWLINE]agent: An educational program must lead to a degree in a public or non-profit institution or must prepare students for "gainful employment in a recognized occupation." gainful employment in a recognized occupation.[NEWLINE][BOUNDARY][NEWLINE]user: and what does SSA do?[NEWLINE]agent: The SSA calculates and returns to the United States Department of Education the mean and median annual earnings for a cohort of students who completed the GE program during a specific cohort period.[NEWLINE][BOUNDARY][NEWLINE]user: When did the new regulations go into effect?[NEWLINE]agent: In accordance with regulations effective July 1, 2012, the United States Department of Education calculates metrics for GE Programs each year.[NEWLINE]agent: and do you know the reasons why assumptions cannot be made?[NEWLINE]user: no but i want to meet them
user: Why do I need gainful employment?[NEWLINE]agent: You need to be in an educational program that would lead to gainful employment in a recognized occupation or must lead to a degree at a non-profit or public institution to be eligible for funding under the Higher Education Act Title IV student assistance program.[NEWLINE][BOUNDARY][NEWLINE]user: What does the date of April 25, 2018 have to do with appeals?[NEWLINE]agent: As of April 25, 2018, no appeals that were review have been denied.[NEWLINE][BOUNDARY][NEWLINE]user: OK thank you. I would also like to find out about the Higher Education Law.. when did the new regulations go into effect?[NEWLINE]agent: In accordance with regulations effective July 1, 2012, the United States Department of Education calculates metrics for GE Programs each year.[NEWLINE]agent: and do you know the reasons why assumptions cannot be made?[NEWLINE]user: no but i want to meet them
user: Hi could you please tell me if a criminal conviction affects the eligibility for federal student aid?[NEWLINE]agent: Yes students with criminal convictions have limited eligibility for federal student aid. Before applying make sure you understand your status and don't assume you can't get aid.[NEWLINE][BOUNDARY][NEWLINE]user: What if the conviction is drug related does this affect my ability to get aid?[NEWLINE]agent: Yes this can affect your eligibility. When you complete the FAFSA form you will be asked whether you had a drug conviction for an offense that occurred while you were receiving federal student aid.[NEWLINE][BOUNDARY][NEWLINE]user: I got it. Another question about federal student aid? Can you give me more information than what you just told me?[NEWLINE]agent: Sure, you may be eligible for certain federal student aid.[NEWLINE][BOUNDARY][NEWLINE]user: Can you let me know if my parents' immigration status affects my eligibility for help?[NEWLINE]agent: In this case it would not affect your help request for any reason.[NEWLINE]user: Perfect, and what else can you do for me?[NEWLINE]agent: These processes are free, you must search for information on these procedures.[NEWLINE][BOUNDARY][NEWLINE]user: Under what conditions would you not be eligible for federal aid?[NEWLINE]agent: It all depends on approval for you to be eligible.[NEWLINE]user: What if I only have a Notice of Approval to apply for permanent residence?[NEWLINE]agent: Then you are not eligible in that case.[NEWLINE][BOUNDARY][NEWLINE]user: Should I answer all the questions on the form?
user: Is there any way that a student with a criminal conviction can get federal student aid?[NEWLINE]agent: All applicants are advised to ensure that they understand their status and not to assume that they won't receive financial aid[NEWLINE][BOUNDARY][NEWLINE]user: What is an applicant has a drug conviction?[NEWLINE]agent: In this case, you are provided with a worksheet to help determine whether your conviction affects your eligibility or not[NEWLINE][BOUNDARY][NEWLINE]user: So what if I'm not an eligible non-citizen due to criminal or drug conviction. Can I still have a chance to get any type of financial aid to study in the U.S.?[NEWLINE]agent: Ask the college or career school you plan to attend whether they offer any aid for students like you.[NEWLINE][BOUNDARY][NEWLINE]user: In which case would that be possible?
user: can I get school aid if I've done prison time and what do I need to do to find out more?[NEWLINE]agent: You have to understand your status and don't assume that you can't get aid because of a conviction.[NEWLINE][BOUNDARY][NEWLINE]user: well I'm on parole at the moment, so am I eligible for help?[NEWLINE]agent: You may be eligible for federal student aid. However, if you were convicted of a drug-related offense or if you are subject to an involuntary civil commitment for a sexual offense, your eligibility may be limited.[NEWLINE][BOUNDARY][NEWLINE]user: Are you familiar with Eligibility Criteria? What am I supposed to do first? Is it necessary for me to display my GED or a diploma?[NEWLINE]agent: Do you have a high school diploma or a recognized equivalent such as a General Educational Development certificate?[NEWLINE]user: I have a GED[NEWLINE]agent: That GED shows you are qualified to obtain a college or career school education[NEWLINE]user: I also need to be registered for the draft, right?[NEWLINE]agent: Yes, you have to be registered with Selective Service[NEWLINE][BOUNDARY][NEWLINE]user: how do I register if I forgot about it?
user: Hi could you please tell if I have a criminal conviction if this will limit my eligibility for federal student aid?[NEWLINE]agent: Yes it can but make sure you understand your status and don't just assume that you can't get aid, you might well be able to.[NEWLINE][BOUNDARY][NEWLINE]user: What sort of convictions might affect the aid that I can receive?[NEWLINE]agent: Other than drug convictions, convictions for a forcible or non forcible sexual offense which are subject to an involuntary civil commitment upon completion of a period of incarceration for that offense your aid might be affected.[NEWLINE]user: If I have been incarcerated for the said offense what aid can't I receive?[NEWLINE]agent: You will not be able to receive a Federal Pell Grant.[NEWLINE][BOUNDARY][NEWLINE]user: If I want to show that I'm qualified for the federal student aid, what proof do I need to get a college education?[NEWLINE]agent: Do you have your high school diploma or a GED certificate.[NEWLINE]user: Yes, I have my high school diploma to provide.[NEWLINE]agent: Then you are qualified to get a college education.[NEWLINE][BOUNDARY][NEWLINE]user: do I need to register with Selective Service?
user: I want to learn more about students with a criminal status as it pertains to financial aid.[NEWLINE]agent: I can help you. It is important to understand your status and not assume you won't qualify. Do you know your status?[NEWLINE][BOUNDARY][NEWLINE]user: WIll I be asked about drug convictions that happened while receiving federal aid?[NEWLINE]agent: Yes you will.[NEWLINE]user: That's really cool. Make a lot of noise about inclusion. Say, for example, what are the ways to demonstrate that I'm eligible to pursue higher education?[NEWLINE]agent: Do you mean something like an ability test? Because you have the ability to benefit test. Is that what you're looking for?[NEWLINE]user: Yeah, correct, I think that should be the thing i need to know about.[NEWLINE]agent: Good. To be able for an ability to benefit test, which can be administered by a college, you had to be enrolled in college or career school prior July 1, 2012 or being currently enrolled in a eligible career pathway program.[NEWLINE]user: Did you say before July 1st, aren't you?[NEWLINE]agent: That's right. The deadline was July 1, 2012.[NEWLINE][BOUNDARY][NEWLINE]user: O.k, got that written down. Hey, talking again about criteria, could you tell me more examples?