elplaguister/DTS_session_datasets huggingface dataset:
user: Hello, can you tell me about the federal student loan borrower?[NEWLINE]agent: Please don't be overwhelmed by loans. Look for information on the subject.[NEWLINE]agent: It is important to review the checklist.[NEWLINE]user: What is the checklist?[NEWLINE]agent: It is important to have information regarding payments.[NEWLINE]user: What is involved in making these payments?[NEWLINE]agent: It is noteworthy that you never have to pay for aid.[NEWLINE][BOUNDARY][NEWLINE]user: How long does it take to fully reimburse the aid?[NEWLINE]agent: It is important to look for information, the balance can be forgiven.[NEWLINE]user: What forms of payments can I take?[NEWLINE]agent: You have to choose a method but not different methods.[NEWLINE][BOUNDARY][NEWLINE]user: Can I find information with the administration of the institution?
user: Hi there. I have a federal student loan but I'm kinda confused about the repayment process, I would like some help with it.[NEWLINE]agent: Sure, don't let the repayment process overwhelm you. We can help you to solve some doubts you may have.[NEWLINE]agent: Have you seen the steps on the check list?[NEWLINE]user: No, I have not. Not yet at least.[NEWLINE]user: Great. But this is a free of charge process? Or I have to pay some extra for your advises?[NEWLINE]agent: It's free. Remember that you will never have to pay for help with your student loans.[NEWLINE][BOUNDARY][NEWLINE]user: Alright. I heard from some of my friends that my loan can be forgiven if I consolidate it, is that true?[NEWLINE]agent: Yes, if you consolidate your loan you can increase your chances of qualifying for an affordable repayment plan or a loan forgiveness. But you need to see if this is your best option.[NEWLINE][BOUNDARY][NEWLINE]user: And what kind of things helps me in this case?[NEWLINE]agent: Some things that can help you is, if you can afford it, start making some loan payments while you still are in school.[NEWLINE][BOUNDARY][NEWLINE]user: I see, normally the payments are done after I leave the school, right?
user: Hello, I have many questions regarding the payment of student loans, can you tell me about it?[NEWLINE]agent: I recommend you not to worry about the subject, and look for information on the subject.[NEWLINE]agent: What can you tell me about the checklist please?[NEWLINE]user: Can you tell me about the checklist please?[NEWLINE][BOUNDARY][NEWLINE]user: It is important that you are clear about the time you intend to pay and in what way.[NEWLINE]agent: It has to be clear that you cannot take several options, and the interest can be high depending on the loan.[NEWLINE]user: Can you help me to establish a payment plan please?[NEWLINE]agent: It is important that you consider various strategies so that you do not fall behind with payments.[NEWLINE]user: Can you explain to me what is the repayment of your total debt?[NEWLINE]agent: It consists in that your remaining balance will be forgiven, for this reason it is important to look for information related to the topic.[NEWLINE]user: What is the process to cancel the loan in full?
user: I need help understanding how the student loan repayment process works.[NEWLINE]agent: The student loan repayment process can be overwhelming. I'll be happy to help you understand how to manage and repay your student loans.[NEWLINE]agent: Have you taken a look at the checklist on our site?[NEWLINE]user: No, I haven't seen it.[NEWLINE][BOUNDARY][NEWLINE]user: Should I create an online account with my loan servicer?[NEWLINE]agent: Yes, and it's very important the make sure that your contact information is correct.[NEWLINE][BOUNDARY][NEWLINE]user: How can I figure out what the best repayment plan option is for me?[NEWLINE]agent: The checklist will guide you through this. It will also provide you with information about making payments.[NEWLINE][BOUNDARY][NEWLINE]user: Who handles the billing and services for my federal student loans?[NEWLINE]agent: Your loan servicer is responsible for this. In most cases, you will have one loan servicer for al of your federal student loans, but it is possible that you could have more than one.[NEWLINE][BOUNDARY][NEWLINE]user: When do you begin paying on most loans?
user: I am very comfortable with the student loan payment process, could you help me?[NEWLINE]agent: Don't let the student loan repayment process overwhelm you. You can use this checklist to help you manage and pay your federal student loans. that way it would be easier for you[NEWLINE]agent: Do you want to know how to work on this checklist?[NEWLINE]user: Yes i would like to know[NEWLINE]agent: Thanks to the checklist, you will discover how to make payments and determine which payment plan is best for you and will know what to do if you have trouble making payments or think you may be eligible for loan forgiveness.[NEWLINE][BOUNDARY][NEWLINE]user: How good and if I should have the lowest monthly payment?[NEWLINE]agent: you can select a payment plan based on income, you can have multiple obions[NEWLINE]user: If I don't select a specific payment plan, what can happen?[NEWLINE]agent: In that case your loan will be included in the Standard Payment Plan. Please note that you can change to a different plan at any time by contacting your loan manager.[NEWLINE]user: Can you explain what happens better if I don't select a specific payment plan?[NEWLINE]agent: there will be no problem since a standard plan is placed and you can change it whenever you want[NEWLINE][BOUNDARY][NEWLINE]user: If I can't make the payments, what should I do?
user: I am confused about the student loan repayment process, can you help me?[NEWLINE]agent: Don't let the student loan repayment process overwhelm you. I recommend that you use a checklist to help you manage and pay your federal student loans.[NEWLINE]agent: do you want to do the checklist?[NEWLINE]user: yes I would like it[NEWLINE]agent: This list will help you make payments and determine which payment plan is best for you. And you'll know what to do if you're having trouble making payments or think you might be eligible for loan forgiveness.[NEWLINE][BOUNDARY][NEWLINE]user: With this list can I see plans that will have a refund of up to 20 or 25 years?[NEWLINE]agent: yes but if it is not fully refunded within that time the remaining balance will be forgiven.[NEWLINE][BOUNDARY][NEWLINE]user: If you fail to pay the full amount due on time or if you start to miss payments, including one, will your loan be considered delinquent?[NEWLINE]agent: yes and you may be charged late fees[NEWLINE][BOUNDARY][NEWLINE]user: using Loan Simulator. If I want to pay my loans quickly and I want to afford it, what can I do?[NEWLINE]agent: you must select the standard Payment Plan[NEWLINE][BOUNDARY][NEWLINE]user: When I sign up, what benefit does my payment have automatically taken from your bank account every month?
user: Is there a way to estimate my aid I could get?[NEWLINE]agent: Do you want to estimate your federal student aid, but are not ready to actually apply for the aid?[NEWLINE]user: No, that is not the case.[NEWLINE][BOUNDARY][NEWLINE]user: Can you give me an info about the questions I would need to answer on FAFSA4caster?[NEWLINE]agent: You answer such things as financial and other questions that will help estimate your federal student aid eligibility and most questions are easy.[NEWLINE]user: What would be the best way to get the most accurate estimation?[NEWLINE]agent: It would be best to answer all the questions on FAFSA4caster, even if it is just an estimate to get the most accurate estimation.[NEWLINE][BOUNDARY][NEWLINE]user: How would the information provided by FAFSA4caster to displayed?[NEWLINE]agent: Did you complete all the relevant questions in the FAFSA4caster?[NEWLINE]user: Yes, I have completed all the questions.
user: What is available for me to estimate my student aid?[NEWLINE]agent: Are you not ready to apply for federal student aid, but want an estimate for future reference?[NEWLINE]user: Yes, I am not ready and just would like an estimate.[NEWLINE]agent: Then you are fortunate enough to get an estimate with FAFSA4caster.[NEWLINE]user: Is the FAFSA4caster free?[NEWLINE]agent: Yes, the FAFSA4caster is free and gives you an estimate of your eligibility for federal student aid and once you are ready to apply fill out your FAFSA form.[NEWLINE][BOUNDARY][NEWLINE]user: Am I allowed to compare schools?[NEWLINE]agent: You are certainly able to compare schools by changing the cost of attendance, deleting state aid if you will be an out-of-state student, or modifying the amount of aid available from the school, among others.[NEWLINE][BOUNDARY][NEWLINE]user: Will FAFSA4caster help me understand my options?[NEWLINE]agent: Yes, it is a helpful tool for each person who is not yet ready to fill out a FAFSA form and really is intended for juniors or even younger so parents can start saving up for funding.[NEWLINE][BOUNDARY][NEWLINE]user: Is info provided by FAFSA4caster able to help apply for aid?
user: Hi there. I would like to know about estimate the aid that I could receive.[NEWLINE]agent: Sure no problem. But first, let me ask you, are you ready to apply for the aid?[NEWLINE]user: No, not yet. but I would like to know how would it be, if I apply for it.[NEWLINE]user: Great. SO, can you tell me about how the questions on the forms are?[NEWLINE]agent: Sure, no problem. The questions you mean are those on fafasa4caster.[NEWLINE][BOUNDARY][NEWLINE]user: Alright, this will give me an idea of what to expect as aid?[NEWLINE]agent: Yes, once you complete it, the screen displays a worksheet to help you determine the net cost of attending college.[NEWLINE][BOUNDARY][NEWLINE]user: But I can do this estimate with that tool?[NEWLINE]agent: Yes, you can try the fafasa4caster.[NEWLINE][BOUNDARY][NEWLINE]user: This is only for high school students or also can be done by anyone?
user: Hi I have heard about FAFSA4caster. Could you please tell me what it is?[NEWLINE]agent: Are you thinking of applying for federal student aid?[NEWLINE]user: Yes I am thinking of starting a college degree and would be some financial help and am thinking of applying for federal help.[NEWLINE]agent: Then you should try the FAFSA4caster. This will help if you would like to estimate your federal student aid.[NEWLINE]user: Does it cost anything to use the FAFSA4caster?[NEWLINE]agent: No it does not cost anything, the FAFSA4caster gives you a free estimate of your eligibility for federal student aid.[NEWLINE][BOUNDARY][NEWLINE]user: What if I don't know the answer to some of the questions on the 4caster? Some of the information I don't have at this time.[NEWLINE]agent: If you don't have all the information at this time you should answer all the question that are asked by the FAFSA4caster even if you have to estimate or guess.[NEWLINE]user: What types of questions does the FAFSA4caster ask?[NEWLINE]agent: You will have to answer financial and other questions that are used to estimate your federal student aid eligibility. Some of the questions you will easily be able to answer but there are some questions that you will only be able to answer if you have your federal tax information or bank statements available.[NEWLINE]agent: Are you able to provide this type of information because if not you will not receive the most accurate estimate?
user: Hi, can you tell me how to estimate federal aid?[NEWLINE]agent: So far, it is not available to request the debt estimate.[NEWLINE]user: For when would it be available to request the estimate?[NEWLINE]user: What is the FAFSA4caster?[NEWLINE]agent: Do you have to understand all the FAFSA4caster options?[NEWLINE][BOUNDARY][NEWLINE]user: What types of questions can be seen on FAFSA4caster?[NEWLINE]agent: You can find financial and other questions that are used to estimate your eligibility.[NEWLINE]user: What is the most accurate estimate?[NEWLINE]agent: It is vitally important to answer all FAFSA4caster questions.[NEWLINE][BOUNDARY][NEWLINE]user: What does FAFSA4caster consist of?
user: Good day. I'd like to know how I can estimate my aid, please.[NEWLINE]agent: Of course. Would you like to estimate your federal student aid, but you aren't yet ready to apply for aid?[NEWLINE]user: Yes.[NEWLINE]agent: Then you should try FAFSA4caster.[NEWLINE][BOUNDARY][NEWLINE]user: Let's say I use that, what should I do to get the most accurate estimate?[NEWLINE]agent: Be sure to answer all the questions on FAFSA4caster, even if you have to estimate or guess.[NEWLINE][BOUNDARY][NEWLINE]user: Can you tell me more about the information provided by FAFSA4caster, please?[NEWLINE]agent: Have you completed all the relevant questions in the FAFSA4caster?[NEWLINE]user: Yes, at least I think I did.[NEWLINE]agent: In that case the screen displays a worksheet to help you determine the net cost of attending college.[NEWLINE][BOUNDARY][NEWLINE]user: I see. Say, what other options do I have with FAFSA4caster?
user: By telling me how to estimate my student aid you'd help me a lot.[NEWLINE]agent: Of course. Would you like to estimate your federal student aid, but aren't yet ready to apply for aid?[NEWLINE]user: No, I'm ready to apply.[NEWLINE][BOUNDARY][NEWLINE]user: What should I do after I have completed all the relevant questions in the FAFSA4caster?[NEWLINE]agent: After that the screen displays a worksheet to help you determine the net cost of attending college.[NEWLINE][BOUNDARY][NEWLINE]user: What is the FAFSA4caster actually meant for?[NEWLINE]agent: Adult students also can use FAFSA4caster to get an idea of how much and what types of federal aid they might receive.[NEWLINE][BOUNDARY][NEWLINE]user: What kind of questions do I need to answer in FAFSA4caster?[NEWLINE]agent: In FAFSA4caster, you answer financial and other questions that are used to estimate your federal student aid eligibility. You may be able to answer most of the questions easily, but some of the questions may ask you to reference your personal records for instance, your federal tax information or your bank statements.[NEWLINE]agent: Do you want to know how to get the most accurate estimate?
user: Hey, I need a hand with estimating my aid online.[NEWLINE]agent: Of course. Would you like to estimate your federal student aid, but aren't yet ready to apply for aid?[NEWLINE]user: Not quite. I'm ready to apply.[NEWLINE][BOUNDARY][NEWLINE]user: Can I simply fill in the college grants that I hope to receive or do I need an accurate number?[NEWLINE]agent: Yes, you can fill in the amounts of state and college grants, and any scholarships, that you expect or hope to get.[NEWLINE][BOUNDARY][NEWLINE]user: What kind of questions do I need to fill out when I use FAFSA4caster?[NEWLINE]agent: You answer financial and other questions that are used to estimate your federal student aid eligibility. You may be able to answer most of the questions easily, but some of the questions may ask you to reference your personal records for instance, your federal tax information or your bank statements.[NEWLINE][BOUNDARY][NEWLINE]user: Do you have any information regarding FAFSA4caster?[NEWLINE]agent: Yes, we do have information provided by FAFSA4caster.[NEWLINE][BOUNDARY][NEWLINE]user: What happens when I select "calculate"?
user: What kind of counseling is required before I receive my Federal Student Aid?[NEWLINE]agent: Have you heard of entrance counseling?[NEWLINE]user: Yes, but am not sure what it is.[NEWLINE]agent: Entrance counseling is required before you can get your first Direct Subsidized or Unsubsidized Loan as an undergraduate, or your first Direct PLUS Loan as a graduate.[NEWLINE][BOUNDARY][NEWLINE]user: What about TEACH grant counseling?[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: Hi there. I would like to have some information related to counseling.[NEWLINE]agent: Do you want to enter into the counseling?[NEWLINE]user: Not, really, but I'm looking information anyway about it.[NEWLINE][BOUNDARY][NEWLINE]agent: I see, well there is always the chance of help others. Are you interested into be in the financial awareness counseling area?[NEWLINE]user: Sounds interesting. But, not really.[NEWLINE][BOUNDARY][NEWLINE]agent: And what about the plus credit counseling?[NEWLINE]user: Thanks, but that doesn't call my attention.[NEWLINE][BOUNDARY][NEWLINE]agent: And as a exit counseling?[NEWLINE]user: mmmmh, that sounds nice. You can give me some more information.[NEWLINE]agent: The exit counselor works with those students who graduate, leave school or get drop out. They help them to provide information about the repayment of the loan.[NEWLINE][BOUNDARY][NEWLINE]user: Oh great. That sounds good. What I need to do?
user: Hello, what types of advice do you give?[NEWLINE]agent: Among several options we have the entrance Counseling.[NEWLINE]user: Can you inform what the entrance counseling consists of?[NEWLINE][BOUNDARY][NEWLINE]agent: It consists mainly of financial awareness counseling.[NEWLINE]user: What does this procedure consist of?[NEWLINE]agent: Sure, it's meant to provide tools and information to help you understand your financial aid.[NEWLINE][BOUNDARY][NEWLINE]user: Can you tell me what is PLUS Credit Counseling?[NEWLINE]agent: This is important if you have been informed by the US Department of Education that you have an adverse credit history.[NEWLINE][BOUNDARY][NEWLINE]user: Is admission advice recommended before asking for help?[NEWLINE]agent: Exactly, it is important for your first subsidized direct loan, or unsubsidized direct loan as a college student.[NEWLINE][BOUNDARY][NEWLINE]user: When can you ask for advice?
user: Hello, can you tell me what types of financial help can I take?[NEWLINE]agent: Among all the available ones, can you take the entrance counseling?[NEWLINE]user: Can you give me information about the entrance counseling?[NEWLINE][BOUNDARY][NEWLINE]agent: Also, what is financial awareness?[NEWLINE]user: Can you inform me of financial awareness?[NEWLINE]agent: This plan is primarily intended to provide tools and information to help you understand your financial aid.[NEWLINE][BOUNDARY][NEWLINE]user: Can you inform me if there is more credit advice?[NEWLINE]agent: It is essential that you seek information about the PLUS Credit Counseling that is necessary if the US Department of Education.[NEWLINE]agent: In addition, adverse credit history within 30 days influences the process.[NEWLINE]user: Can you explain in more detail what such a process consists of?[NEWLINE][BOUNDARY][NEWLINE]user: What is the Departure Counseling please?
user: I wanted to know what counseling types there are. Can you tell me, please?[NEWLINE]agent: Of course. Would you like to hear more about entrance counseling?[NEWLINE]user: No, I already know that one.[NEWLINE][BOUNDARY][NEWLINE]agent: Would you like to hear more about financial awareness counseling?[NEWLINE]user: No, I've read about that one, too.[NEWLINE][BOUNDARY][NEWLINE]agent: Would you like to hear more about PLUS credit counseling?[NEWLINE]user: Yes, go ahead.[NEWLINE]agent: PLUS Credit Counseling is required if the U.S. Department of Education has informed you that you have an adverse credit history and you have obtained an endorser or documented to the satisfaction of the U.S. Department of Education that there are extenuating circumstances related to your adverse credit history. PLUS Credit Counseling can be completed voluntarily at any time.[NEWLINE]user: What if I complete the counseling voluntarily and they say I have an adverse credit history after I just completed my counseling?[NEWLINE]agent: In that case your PLUS Credit Counseling requirement will be considered to be fulfilled.[NEWLINE][BOUNDARY][NEWLINE]user: Ah, that's good to know. And what can you tell me about exit counseling?
user: I would like to know what types of counseling are there.[NEWLINE]agent: Of course. Do you want to learn more about entrance counseling?[NEWLINE]user: Yes, that'd be nice.[NEWLINE]agent: Entrance Counseling is required before you can receive your first Direct Subsidized Loan, or Direct Unsubsidized Loan as an undergraduate, or your first Direct PLUS Loan as a graduate/professional student.[NEWLINE][BOUNDARY][NEWLINE]user: What if I'm looking for TEACH grant counseling instead?[NEWLINE]agent: Then you can complete TEACH Grant Initial and Subsequent Counseling.[NEWLINE][BOUNDARY][NEWLINE]user: And what about financial awareness counseling?[NEWLINE]agent: Financial Awareness Counseling provides tools and information to help you understand your financial aid and help you manage your finances.[NEWLINE][BOUNDARY][NEWLINE]user: I see. What if PLUS credit counseling is completed voluntarily?[NEWLINE]agent: If PLUS Credit Counseling is completed voluntarily and you are determined to have an adverse credit history by the U.S. Department of Education within 30 days of PLUS Credit Counseling completion, your PLUS Credit Counseling requirement will be considered to be fulfilled.[NEWLINE][BOUNDARY][NEWLINE]user: Well, what can you tell me about exit counseling?
user: Good day. Can you tell me about the different types of counseling, please?[NEWLINE]agent: Of course. Do you want to know more about entrance counseling?[NEWLINE]user: No, I already know that type.[NEWLINE][BOUNDARY][NEWLINE]agent: Do you want to know more about financial awareness counseling?[NEWLINE]user: Yes, please.[NEWLINE]agent: Financial Awareness Counseling provides tools and information to help you understand your financial aid and help you manage your finances.[NEWLINE][BOUNDARY][NEWLINE]user: Seems useful. I changed my mind. What do you have about entrance counseling?[NEWLINE]agent: Entrance Counseling is required before you can receive your first Direct Subsidized Loan, or Direct Unsubsidized Loan as an undergraduate, or your first Direct PLUS Loan as a graduate/professional student.[NEWLINE][BOUNDARY][NEWLINE]user: What can you tell me about TEACH grant counseling?[NEWLINE]agent: Well, you can complete TEACH Grant Initial and Subsequent Counseling.[NEWLINE][BOUNDARY][NEWLINE]user: Alright then. Finally, how do I begin my exit counseling session?
user: You can help me with counseling for financial aid[NEWLINE]agent: Did you want to learn more about Entrance Counseling?[NEWLINE]user: yes[NEWLINE]agent: Entrance Counseling is required before you can receive your first Direct Subsidized Loan, or Direct Unsubsidized Loan as an undergraduate, or your first Direct PLUS Loan as a graduate/professional student.[NEWLINE]user: can you help me start?[NEWLINE]agent: Yes, we can help you Log In to Start[NEWLINE][BOUNDARY][NEWLINE]user: Do you have info on plus counseling?[NEWLINE]agent: PLUS Credit Counseling is required if the U.S. Department of Education has informed you that you have an adverse credit history and you have obtained an endorser or documented to the satisfaction of the U.S. Department of Education that there are extenuating circumstances related to your adverse credit history.[NEWLINE]agent: Are you planning on completing PLUS Credit Counseling voluntarily?[NEWLINE]user: no I have to learn more so I'll wait[NEWLINE][BOUNDARY][NEWLINE]user: I have one more question, can you tell me what exit counseling is?