elplaguister/DTS_session_datasets huggingface dataset:
user: Hello, how you doing? Please i need some guidance about the exit counseling option, because i'm on a Federal Loan program.[NEWLINE]agent: Greetings. Lets see. Do you know anything about Exit Couseling?[NEWLINE]user: No, sorry, but i don't too much of it.[NEWLINE][BOUNDARY][NEWLINE]agent: But you are aware about who are supposed to go through it?[NEWLINE]user: Oh yeah, I was told that it goes for those who have a federal loan but has some kind of specifics conditions, is that right?[NEWLINE]agent: You're not mistaken. Effectively, Exit Counseling is reserved for those students who want to prepare themselves for repaying their loans, being these from federal programs. In any case, you must go through counseling each time you drop below half-time enrollment, you graduate or you leave the school.[NEWLINE][BOUNDARY][NEWLINE]user: Ah, so that is what entrance counseling is for. So, what if I'm completing entrance counseling to borrow a loan as an undergraduate student?[NEWLINE]agent: Then the entrance counseling will fulfill counseling requirements for Direct Subsidized Loans and Direct Unsubsidized Loans.[NEWLINE][BOUNDARY][NEWLINE]user: Makes sense. And how long is this supposed to take?[NEWLINE]agent: The entire counseling process must be completed in a single session. Most people complete counseling in 20 - 30 minutes.[NEWLINE][BOUNDARY][NEWLINE]user: I see, where can I find more information about that?
user: need exit counseling info[NEWLINE]agent: Would you like to know more about Exit Counseling?[NEWLINE]user: yes please[NEWLINE]agent: Exit counseling provides information to prepare you to repay your federal student loan.[NEWLINE]user: Do I need the counseling for any loan?[NEWLINE]agent: If you have received a subsidized, unsubsidized or PLUS loan under the Direct Loan Program or the FFEL Program, you must complete exit counseling when certain events occur.[NEWLINE][BOUNDARY][NEWLINE]user: Now, regarding FSA, what do I need in order to complete my position as a co-signer with the FSA?[NEWLINE]agent: Initially, you will need to be logged in with your own personal FSA ID in order to co-sign the applicant's IDR request[NEWLINE][BOUNDARY][NEWLINE]user: How long should it normally take to complete my role as a co-signer?[NEWLINE]agent: Your role is normally completed in one session, which most people manage to complete in 10 minutes[NEWLINE][BOUNDARY][NEWLINE]user: How does my spouse provide me with a co-sign code during the Income-Driven Repayment Plan Request?
user: I've heard about exit counseling and I came here wanting to know what exactly that is and how it works. Can you please tell me more about it?[NEWLINE]agent: Of course. Are you wondering what exit counseling is?[NEWLINE]user: Yes, like I mentioned above.[NEWLINE]agent: Well, exit counseling provides important information to prepare you to repay your federal student loan.[NEWLINE]user: What if I have received a PLUS loan under the Direct Loan Program?[NEWLINE]agent: In that case you must complete exit counseling each time you drop below half-time enrollment, graduate or leave the school.[NEWLINE][BOUNDARY][NEWLINE]user: I have another question about exit counseling. O.k, I guess that takes a lot of sessions, right? I mean, is it made over many days?[NEWLINE]agent: Nothing like that. Counseling for this program is quite simple, so it won't take more than 20 or 30 minutes.[NEWLINE][BOUNDARY][NEWLINE]user: Really? Wow, that's a relief. Don't get me wrong, but sometimes these things takes way too long. Anyway, another question. In something called Agreement to Serve, Who must do that?[NEWLINE]agent: Well, that  would be for those students who are receiving a TEACH Grant, and passed their TEACH Initial and Subsequent Counseling for the same Award Year.[NEWLINE][BOUNDARY][NEWLINE]user: Oh right, Seem kinda obvious. Lastly, going back to the TEACH counselling, What do  need to access that?
user: Why do I need exit counseling when dealing with federal student aid?[NEWLINE]agent: Do you know what Exit Counseling is?[NEWLINE]user: Actually, I do not know exactly what it is.[NEWLINE][BOUNDARY][NEWLINE]agent: Do you know who should complete the exit counseling?[NEWLINE]user: Yes, I know I am supposed to complete it but not why.[NEWLINE]agent: It is a step required for students who leave school, graduate, or fall below half-time student for PLUS loan, subsidized or unsubsidized loan under the Direct Loan Program or the FFEL Program.[NEWLINE][BOUNDARY][NEWLINE]user: What information does exit counseling provide?[NEWLINE]agent: Exit counseling gives important information that helps you prepare to repay your federal student loan.[NEWLINE]user: Alright. I'd also like to know about FFEL Program. And what should I do to receive a Direct PLUS Loan?[NEWLINE]agent: Before you can receive a Direct PLUS Loan, you must complete a Direct PLUS Master Promissory Direct PLUS Loan MPN promissory note, which explains all the terms and conditions of Direct PLUS loans and constitutes your legally binding agreement to pay all Direct PLUS loans that receive under the Direct PLUS MPN loan[NEWLINE][BOUNDARY][NEWLINE]user: And how do I apply for a PLUS loan?
user: exit counseling info[NEWLINE]agent: Did you want to know what Exit Counseling is?[NEWLINE]user: yes[NEWLINE]agent: Exit counseling provides important information to prepare you to repay your federal student loan[NEWLINE]agent: Have you received a subsidized, unsubsidized or PLUS loan under the Direct Loan Program or the FFEL Program?[NEWLINE]user: no, just wanted to be prepared[NEWLINE][BOUNDARY][NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: what will I need to have to do this counseling?[NEWLINE]agent: You will need a verified FSA ID[NEWLINE][BOUNDARY][NEWLINE]user: Are you familiar with the term "co-signer"? What if I don't have access to a reference number or a code for co-signing?[NEWLINE]agent: Then you should contact the IDR applicant because an email was sent to them containing the reference number or co-sign code.[NEWLINE]user: I do not know where the reference number or co-sign code is, how can i get it?
user: I need some information about the Graduated Repayment Plan.[NEWLINE]agent: I can assist you with that. The Graduated Repayment Plan allows you to start your loan with smaller payments that will increase every two years. You will make these payments for up to 10 years, depending on the amount of your loan.[NEWLINE]agent: Are you considered low income right now, but expect your income to increase over time?[NEWLINE]user: No, I'm not considered low income.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: Do the payments differ for someone with a direct consolidation loan?[NEWLINE]agent: Yes. The length of your repayment period will depend on the amount of your total education loan debt.[NEWLINE][BOUNDARY][NEWLINE]user: for Federal Loans That Are Eligible What about direct loans that are subsidized?[NEWLINE]agent: Yes, they are eligible[NEWLINE][BOUNDARY][NEWLINE]user: how do I report school loans I want taken into consideration when my repayment period is worked out for a direct consolidation loan?[NEWLINE]agent: You need to list those loans on your consolidation application in the section for listing loans that you do not want to consolidate, but want to be considered in the determination of your repayment period.[NEWLINE]user: what kind of loans can I list on there?
user: I heard about a repayment plan which isn't all at once and would like information.[NEWLINE]agent: Yes the Graduated Repayment Plan starts with lower payments that increase every two years, and payments are made for up to 10 years between 10 and 30 years for consolidation loans.[NEWLINE]agent: Are you in a low paying job?[NEWLINE]user: Yes and I was worried about being hampered by huge debt repayment.[NEWLINE]agent: Well if your income is low now but you expect it to increase steadily over time, this plan may be right for you.[NEWLINE]user: May I ask another question about the life plan's interest? And how much would it cost me?[NEWLINE]agent: you will pay the least amount of interest over the life of your plan.[NEWLINE][BOUNDARY][NEWLINE]user: Good to know. Do you know this plan? Are all federal student aid eligible for this graduate rebate?[NEWLINE]agent: A list of loans from the William D. Ford Federal Direct Loan Program and the Federal Family Education Loan FFEL Program which are eligible for the Graduated Repayment Plan can be found here.[NEWLINE]user: I'm looking for information on FFEL PLUS Loans. Are there any other types of loans that are available for this program?[NEWLINE]agent: FFEL Consolidation Loans are also eligible for the Income-Sensitive Repayment Plan.[NEWLINE]user: another question about Eligible Federal Loans. Does the list include the Direct Subsidized Loans?[NEWLINE]agent: Yes it is eligible.[NEWLINE][BOUNDARY][NEWLINE]user: How often must I make a payment my loan?[NEWLINE]agent: You must make monthly payments.[NEWLINE][BOUNDARY][NEWLINE]user: Are there criteria for the amount that I must pay?
user: Hello, I would like to obtain information about The Graduate Payment Plan[NEWLINE]agent: Payments are made for up to 10 years between 10 and 30 years for consolidation loans.[NEWLINE]agent: Are your income low now?[NEWLINE]user: yes[NEWLINE]agent: If your income is low now, but you expect it to increase steadily over time, this plan may be right for you.[NEWLINE][BOUNDARY][NEWLINE]user: good to know, but does this plan apply to all loans?[NEWLINE]agent: Yes, it is, except for the direct consolidation loans and feel consolidation loans.[NEWLINE][BOUNDARY][NEWLINE]user: I'm also interested in learning more about Eligible Federal Loans. What kinds of loans am I eligible for?[NEWLINE]agent: The following loans from the William D. Ford Federal Direct Loan Direct Program and the FFEL Federal Family Education Loan Program are eligible for the Graduated Repayment Plan:[NEWLINE][BOUNDARY][NEWLINE]user: So,  What if I have an income that is not taxed or do not have an income at all?[NEWLINE]agent: You would have to mark it the online application or paper application and you are not required to supply further documentation.[NEWLINE][BOUNDARY][NEWLINE]user: I'd like to ask you another question about the Graduated Repayment Plan. What kinds of loans am I eligible for?[NEWLINE]agent: The following loans from the William D. Ford Federal Direct Loan, Direct Loan Program, and the Federal Family Education Loan FFEL Program are eligible for the Graduated Repayment Plan: Direct Subsidized Loans, Direct Unsubsidized Loans, Direct PLUS Loans, Direct Consolidation Loans, Subsidized Federal Stafford Loans, Unsubsidized Federal Stafford Loans, FFEL PLUS Loans, and FFEL Consolidation Loans.[NEWLINE]user: What programs are eligible for the Graduate Payment Plan?[NEWLINE]agent: William D. Ford Federal Direct Loan Direct Program and Federal Family Education Loan Program FFEL[NEWLINE][BOUNDARY][NEWLINE]user: And what about the monthly payments for consolidation loans?
user: Hello, I would like to know what the Graduate Payment Plan is like[NEWLINE]agent: Of course Payments are made for up to 10 years between 10 and 30 years for consolidation loans[NEWLINE]agent: Your income is low now, but do you expect it to increase steadily over time?[NEWLINE]user: no[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: and how are the monthly payments in this plan?[NEWLINE]agent: Under this plan, your monthly payments start low and increase every two years[NEWLINE][BOUNDARY][NEWLINE]user: another question for you regardingE l g b.Btw, for XXXX. what about direct subsidized loans?[NEWLINE]agent: Yes, they are eligible[NEWLINE][BOUNDARY][NEWLINE]user: how do I report school loans I want taken into consideration when my repayment period is worked out for a direct consolidation loan?[NEWLINE]agent: You need to list those loans on your consolidation application in the section for listing loans that you do not want to consolidate, but want to be considered in the determination of your repayment period.[NEWLINE]user: what kind of loans can I list on there?
user: I need some information about the Graduated Repayment Plan.[NEWLINE]agent: Allow me to assist you with that. Under the Graduated Repayment Plan, payments start low and increase every two years. These payments will be made for up to 10 years.[NEWLINE]agent: Are you considered low income, but expect your income to increase over time?[NEWLINE]user: Yes. I'll be making more money later on.[NEWLINE]agent: Great. This plan could be right for you.[NEWLINE][BOUNDARY][NEWLINE]user: Do you also know about on how my monthly payments will be if I have a Direct Consolidated Loan or FFEL Consolidated Loan?[NEWLINE]agent: In this instance, the length of the repayment period will depend on the amount of borrowing that is outstanding, known as your total education loan indebtedness, this debt includes any student loan debt you may have that is joined to your consolidation loan[NEWLINE][BOUNDARY][NEWLINE]user: Are FFEL Consolidation Loans eligible for this plan?[NEWLINE]agent: Yes, they are.[NEWLINE][BOUNDARY][NEWLINE]user: Another question, what consequences can I have if I do not recertify my family size and income before the annual deadline?[NEWLINE]agent: In this instance, any unpaid interest will be capitalized added to the principal balance of your loans. This will increase the total cost of your loans over time, because you will then pay interest on the increased loan principal balance[NEWLINE][BOUNDARY][NEWLINE]user: Can I ask something else? with respect to the Federal Loan. What other loans are eligible?[NEWLINE]agent: Most loans from the William D. Ford Federal Direct Loan Program and the FFEL Program are eligible for this plan.[NEWLINE][BOUNDARY][NEWLINE]user: Can I use the loan simulator to estimate my payments under the Graduated Repayment Plan?[NEWLINE]agent: Absolutely. We recommend that you use our loan simulator before you contact your loan servicer.[NEWLINE][BOUNDARY][NEWLINE]user: How will my payments differ with a FFEL Consolidation Loan?
user: Please, tell me about the Graduated Repayment Plan[NEWLINE]agent: Sure. Payments are made for up to 10 years between 10 and 30 years for consolidation loans[NEWLINE]agent: Do you hope to constantly increase your income over time?[NEWLINE]user: Yes, I hope that[NEWLINE]agent: Ok, check this plan, maybe is good for you[NEWLINE][BOUNDARY][NEWLINE]user: Are you aware of the Sensitive Repayment Plan? Are you aware of the FFEL Program Loans that are available?[NEWLINE]agent: The subsidized and unsubsidized Federal Stafford Loans, FFEL PLUS loans, and FFEL Consolidation Loans are all available for Income-Sensitive Repayment Plan.[NEWLINE]user: I just remember asking about the percentages are large?. What loans are eligible for the Graduated Payment Plan?[NEWLINE]agent: Check the list below[NEWLINE][BOUNDARY][NEWLINE]user: Also, for DEL PLUS loans. And where do I get more information?[NEWLINE]agent: Paying off your loans Provides information on federal student loan repayment plan options, finds loan history and loan managers, and makes payments[NEWLINE][BOUNDARY][NEWLINE]user: There's one more thing about Graduated Repayment Plan. Can you tell me what the monthly payments are for Federal Education Loans, except Consolidation Loans?[NEWLINE]agent: Null[NEWLINE][BOUNDARY][NEWLINE]user: How can I include other student loan debts in determining the repayment period of my Direct Consolidation Loan?[NEWLINE]agent: You need to be sure to list those loans on your consolidation application in the section for listing loans that you do not want to consolidate, but want considered in the determination of your repayment period[NEWLINE][BOUNDARY][NEWLINE]user: How can I use the Loan Simulator to Estimate my Eligibility and Payment Amount Under the Graduated Repayment Plan?
user: I heard my payments on a graduated repayment plan will go higher so I wanted to know when that will happen[NEWLINE]agent: Payments will increase every two years[NEWLINE]agent: Do you expect your income to increase steadily over time?[NEWLINE]user: no, not the way things are in the economy today[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: how much can the payments increase?[NEWLINE]agent: They won't be more than three times greater than any other payment[NEWLINE][BOUNDARY][NEWLINE]user: How can I maximize the use of my AGI?[NEWLINE]agent: Your AGI will be used if you filed a federal tax return in the past two years[NEWLINE]user: yes[NEWLINE]agent: Is your current income not significantly different from the income reported on your most recent federal tax return?[NEWLINE]user: yes[NEWLINE]agent: In that case This may be your adjusted adjusted gross income or alternative income documentation.[NEWLINE][BOUNDARY][NEWLINE]user: and where do I get more information?
user: I need some info about the graduated repayment plan[NEWLINE]agent: Sure. In this plan, payments are made for up to 10 years between 10 and 30 years for consolidation loans.[NEWLINE]user: What if my income is very low now?[NEWLINE]agent: Don't worry, this plan is good for you[NEWLINE][BOUNDARY][NEWLINE]user: I have another concern about the eligibility of loans. What loans aren't covered by the Income-Sensitive Repayment Plan?[NEWLINE]agent: A William D. Ford Federal Direct Loan is not eligible for the repayment plan.[NEWLINE][BOUNDARY][NEWLINE]user: What about Subsidized Federal Stafford Loans?[NEWLINE]agent: Yes these loans are also eligible.[NEWLINE]user: What other loans are eligible for this program?
user: Hello, I would like you to help me choose the direct loan MPN[NEWLINE]agent: are you an undergraduate student?[NEWLINE]user: yes[NEWLINE]agent: in that case Use this MPN for Direct Subsidized Loans or Unsubsidized Direct Loans available to eligible undergraduate students.[NEWLINE][BOUNDARY][NEWLINE]user: okay. and after logging in what should I do?[NEWLINE]agent: you must click on View demo[NEWLINE][BOUNDARY][NEWLINE]user: okay. And could you tell me what a Master Note (MPN) is?[NEWLINE]agent: The Master Promissory Note MPN is a legal document that promises to pay your loan and accrued interest and fees to the US Department of Education.[NEWLINE]user: What is the initial fund for this type of program?[NEWLINE]user: One last thing, regarding reviews of the external service providers program, is the US department of education supervising these providers?[NEWLINE]agent: How does the US Department of Education relate to program plans?[NEWLINE]user: And how is it related to the institution?
user: Where do I get started to learn more about the loan master promissory note[NEWLINE]agent: Are you an undergraduate student?[NEWLINE]user: yes[NEWLINE]agent: You would select the option for MPN for Direct Subsidized Loans or Direct Unsubsidized Loans available to eligible undergraduate students[NEWLINE]user: what kind of info will it have?[NEWLINE]agent: You can view a demonstration to help you out[NEWLINE][BOUNDARY][NEWLINE]user: very well. now for the option for MPN. What kinds of things does title iv do?[NEWLINE]agent: The Title IV regulations authorize the U.S. Department of Education to provide oversight of third-party servicers.[NEWLINE]user: what is something that is done during reviews?[NEWLINE]agent: Reviewers will evaluate the third-party servicers’ and schools’ compliance with FSA requirements, assess liabilities for errors in performance, and identify actions the third-party servicers and their partner schools must take to improve future administrative capabilities.[NEWLINE]user: who can be a third party servicer?
user: Hello, I would like you to help me choose the direct loan MPN[NEWLINE]agent: are you an undergraduate student?[NEWLINE]user: no[NEWLINE][BOUNDARY][NEWLINE]agent: Are you a graduate / professional student?[NEWLINE]user: yes[NEWLINE]agent: Find and use the MPN you need as a graduate or professional degree student to obtain federal student loans. Graduate / professional students may be eligible for unsubsidized direct loans, direct PLUS loans, or both. You must complete an MPN for each type of loan you want to receive.[NEWLINE]user: Also, I need to find out information on Master Promissory Note (MPN) for Direct PLUS Loans. As a graduate/professional student is it necessary to complete the MPN?[NEWLINE][BOUNDARY][NEWLINE]agent: If you are applying for Direct Unsubsidized Loan or a Direct PLUS Loan you should complete the MPN. Are you applying for one of these loans?[NEWLINE]user: No I am not applying at this stage.[NEWLINE][BOUNDARY][NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: When I am ready to apply what do I need to complete the application?
user: hello could you help me choose the direct loan MPN[NEWLINE]agent: Of course are you an undergraduate student?[NEWLINE]user: yes[NEWLINE]agent: in that case Use this MPN for Direct Subsidized Loans or Unsubsidized Direct Loans available to eligible undergraduate students.[NEWLINE]user: and what should I do after logging in?[NEWLINE]agent: after starting the section you must go to the section See demo[NEWLINE][BOUNDARY][NEWLINE]user: okay. Could you also tell me what a master promissory note is?[NEWLINE]agent: Of course The Master Promissory Note MPN is a legal document that promises to pay your loan and accrued interest and fees to the US Department of Education.[NEWLINE]user: What are the requirements that an external administrator needs to provide services to a school?[NEWLINE]agent: The servicer and/or its contractors must comply with the various Title IV requirements applicable to its servicing agreement with the school.[NEWLINE]user: how do they make sure the servicers are doing what they need to do?
user: hello could you help me to choose the MPN of direct loan that I want to obtain[NEWLINE]agent: are you an undergraduate student?[NEWLINE]user: yes[NEWLINE]agent: In that case Use this MPN for Direct Subsidized Loans or Unsubsidized Direct Loans available to eligible undergraduate students.[NEWLINE]user: You have treated me very well, I have no complaints. Can I also see a demo for it?[NEWLINE]agent: Yes, you can view a demo for it.[NEWLINE][BOUNDARY][NEWLINE]user: What else do I need for my request?[NEWLINE]agent: You'll need a verified username and password FSA ID, for example.[NEWLINE][BOUNDARY][NEWLINE]user: What else can you tell me about MPN for direct plus loans?[NEWLINE]agent: You can use this MPN for Direct PLUS Loans available to eligible graduate/professional students. You may also need to complete an MPN for Direct Unsubsidized Loans.[NEWLINE][BOUNDARY][NEWLINE]agent: Do you want to know who should fill this out?[NEWLINE]user: Yes, please tell me.[NEWLINE][BOUNDARY][NEWLINE]agent: 30 minutes?
user: Hello, could you help me choose the direct loan MPN that I want to obtain?[NEWLINE]agent: are you an undergraduate student?[NEWLINE]user: yes[NEWLINE]agent: In that case Use this MPN for Direct Subsidized Loans or Unsubsidized Direct Loans available to eligible undergraduate students.[NEWLINE][BOUNDARY][NEWLINE]user: I have had some financial problems lately so a question arose. If I get a PLUS loan and have trouble paying it, what will happen?[NEWLINE]agent: If you will have trouble making a payment, contact your loan servicer right away. They can help you understand your options for keeping your loan in good standing.[NEWLINE][BOUNDARY][NEWLINE]user: What criteria must I meet to be eligible for this loan?[NEWLINE]agent: Are you either the biological, adoptive parent or stepparent of a dependent undergraduate student enrolled at least half-time at an eligible school?[NEWLINE]user: Yes the biological parent.[NEWLINE]agent: Is your credit rating good?[NEWLINE]user: Yes I have a decent credit rating.[NEWLINE]agent: Do you meet the eligibility requirements for federal student aid?[NEWLINE]user: Yes, I think I do.[NEWLINE]agent: Then you should be a candidate to receive a parent PLUS loan.[NEWLINE][BOUNDARY][NEWLINE]user: You mentioned earlier that my loan agent could help me if I'm having trouble paying. What exactly could he do?