elplaguister/DTS_session_datasets huggingface dataset:
user: Is there a way to stop payments for loss of income for a few months?[NEWLINE]agent: Yes, you could suspend your student loan payments for a short period.[NEWLINE]agent: Are you in a short term financial bind?[NEWLINE]user: No, not yet but will be later in the year due to shut down.[NEWLINE]user: Is there anything they are doing for COVID-19 emergency?[NEWLINE]agent: Yes, they are automatically suspending monthly payments of your student loans.[NEWLINE][BOUNDARY][NEWLINE]user: What happens with interest accrual of my loans if I have $30000 balance and an interest rate of 6% while in forebearance for a year after i enter repayment?[NEWLINE]agent: You would accrue $1800 on your loans.[NEWLINE][BOUNDARY][NEWLINE]user: Could I consider another repayment option other than deferment or forbearance?[NEWLINE]agent: It could be worth looking at another plan such as an income-driven repayment plan before you choose forebearance or deferment.[NEWLINE]user: Would my payments be lower on an income-driven repayment plan?
user: Tell about the Temporary Relief, please[NEWLINE]agent: Sometimes, you need to suspend your student loan payments for a short period[NEWLINE]agent: Are you in a short-term financial bind?[NEWLINE]user: Not at all[NEWLINE][BOUNDARY][NEWLINE]user: What if I don't pay any interest?[NEWLINE]agent: If you don't pay that interest, it will be capitalized and added to your principal balance.[NEWLINE]user: Why will that interest be capitalized?[NEWLINE]agent: that's because interest accrues on your principal balance, capitalization will cause more interest to accrue over time than if you had paid the interest. It will also increase your monthly payment on most payment plans[NEWLINE][BOUNDARY][NEWLINE]user: How to relieve student loan borrowers during the national COVID-19 emergency?[NEWLINE]agent: Federal student loan borrowers are automatically being placed in an administrative forbearance, which allow to temporarily stop making monthly loan payments. This suspension of payments will last from March 13, 2020 through Sept. 30, 2020,but you can still make payments if you choose.[NEWLINE][BOUNDARY][NEWLINE]user: How can I get relief with lower payments on an income-driven repayment plan?
user: Hi there. I was looking information about how to get a temporary relief.[NEWLINE]agent: Sure, we are here to help you. Sometimes you just need to suspend your student loan payments.[NEWLINE]user: This also apply if I am in a financial bind?[NEWLINE]agent: Yes, you can also try to qualify for a deferment or a forbearance.[NEWLINE]user: This also apply for the actual crisis with the covid?[NEWLINE]agent: Yes, It also apply for it.[NEWLINE][BOUNDARY][NEWLINE]user: And which options do you bring for this case?[NEWLINE]agent: Have you check the different type of deferment and forbearance there is?[NEWLINE]user: I have seen some of them.[NEWLINE]agent: You can just suspend for a time your payments too.[NEWLINE][BOUNDARY][NEWLINE]user: I can do this even applying to the deferment and the forbearance.
user: I"m looking to try and stop making payments on a loan if I could but only for a short time to get caught up[NEWLINE]agent: Okay, so you just need to suspend your student loan payments for a short period[NEWLINE]agent: Is this financial situation just short term?[NEWLINE]user: probably not[NEWLINE][BOUNDARY][NEWLINE]user: is there a way to get lower payments?[NEWLINE]agent: It might be good for to you consider a different repayment plan such as an income-driven repayment plan. These plans base your monthly student loan payments on your income and family size. In some cases, your payment could be as low as $0 per month.[NEWLINE][BOUNDARY][NEWLINE]user: can we get help because of the coronavirus and job loss?[NEWLINE]agent: Yes, federal student loan borrowers are automatically being placed in an administrative forbearance, which allows you to temporarily stop making your monthly loan payments. This suspension of payments will last from March 13, 2020, through Sept. 30, 2020.[NEWLINE][BOUNDARY][NEWLINE]user: what if I go with deferment, any advice on that?[NEWLINE]agent: If that is the way you go consider paying the interest that accrues during that period, so that you can avoid some of the consequences.[NEWLINE]user: and this will allow me to miss a few payments if I do this?[NEWLINE]agent: Do you know if you are eligible for deferment or forbearance?
user: Hey there. I would like to get some information about a temporary relief.[NEWLINE]agent: Sure. There is no problem, we can help you if you have to do a suspension of your payments.[NEWLINE]agent: Are you in a short time period of financial bind?[NEWLINE]user: Yes, I am in a period I don't know how can I pay any more.[NEWLINE]agent: Well, that's very bad to hear. You can suspend your payments for a while.[NEWLINE]user: There is some how to get a loan relief?[NEWLINE]agent: You mean like a forgiveness of your loan. Yes, this is possible, like a period of deferment or forbearance.[NEWLINE]user: I see, this is something that I'm looking for, because the covid19 outbreak. This counts? I mean, this is covered?[NEWLINE]agent: Yes, there are special measures that has been taken about this, which will last from march 13 through sept 30 of 2020.[NEWLINE]user: Bu if I have the chance to make a payment or two I can do it too, right?[NEWLINE]agent: Yes, no problem. But if you can't  do it, you can skip them during this period of time.[NEWLINE][BOUNDARY][NEWLINE]user: This is also related to the amount of taxes I will have to pay?
user: Can I get federal student aid to help pay for international schools also?[NEWLINE]agent: Yes, whether you want to study internationally for one semester or get your degree outside the US you may be still eligible for federal student aid.[NEWLINE][BOUNDARY][NEWLINE]user: Would I need to worry about having an VISA?[NEWLINE]agent: Yes, you may need a VISA and also medical insurance.[NEWLINE]user: Is it smart to start to do research on schools abroad early?[NEWLINE]agent: Yes, you should start early when you want to study abroad because you got more to do.[NEWLINE]user: How can I research international schools and their requirements?[NEWLINE]agent: First off it is wise not to panic and you are on your own; but if you are very organized and determined you will be just fine.[NEWLINE][BOUNDARY][NEWLINE]user: I want to study abroad for a year is federal student aid available?[NEWLINE]agent: Yes, it could be available for studying abroad if you meet the aid eligibility.[NEWLINE]agent: Do you know about the FAFSA form?
user: Can I use federal student aid to help pay for studies abroad?[NEWLINE]agent: Yes, you can use federal student aid to pay for one semester or your entire degree abroad.[NEWLINE][BOUNDARY][NEWLINE]user: Can I study abroad for a semester and still get aid?[NEWLINE]agent: Yes, you may receive federal student aid for a study-abroad program if you meet aid eligibility criteria.[NEWLINE]agent: Did you fill out a FAFSA form for college yet?[NEWLINE]user: No, I have never filled out a FAFSA form.[NEWLINE][BOUNDARY][NEWLINE]user: Should what extra paperwork needs to be done on my list for studying abroad?[NEWLINE]agent: Yes, that should be on your list and also if you are required to have medical insurance.[NEWLINE]user: Is the Medical University of Bialystok on the pass rates list for United states Medical Licensing?[NEWLINE]agent: Yes, it is on the list.[NEWLINE]user: What is the best tips for researching schools?
user: Can I get help to pay for my college at an international school through federal student aid?[NEWLINE]agent: Yes, many who study abroad get federal student aid to help pay for expenses.[NEWLINE][BOUNDARY][NEWLINE]user: How much can I receive in federal student loan funds for international study?[NEWLINE]agent: The annual limit for Direct Subsidized and Unsubsidized loans can be between $5500 and $20500.[NEWLINE]agent: Do you know the factors that might change your amount you get such as dependent or independent?[NEWLINE]user: Yes, I know factors such as dependent or independent student will play a role in how much I get for my loan.[NEWLINE]agent: Direct PLus Loan amounts are figured out by minusing any other financial aid you are receiving from your total cost of attendance in the school.[NEWLINE][BOUNDARY][NEWLINE]user: What federal student aid would I be eligible for at an international school?[NEWLINE]agent: You can receive a federal student loan from William D. Ford Federal Direct Loan.[NEWLINE][BOUNDARY][NEWLINE]user: Can I find out what pass rates are in International Medical Schools?[NEWLINE]agent: Yes, International Medical Schools have things like pass rates on US Medical Licensing Exams, student loan debt, and completion rates.[NEWLINE]user: Are there housing forms I should complete?
user: Hey, finally can talk with you. I need some information about some financial aid, but for studies abroad, Can you guide me there?[NEWLINE]agent: With pleasure. Federal Aid for students who are planning to study abroad partially or for the total career is available from Federal Programs, so they can pay their expenses.[NEWLINE][BOUNDARY][NEWLINE]user: That's great. I was told that  could get that help and even went to an international student's office but i don't know where else to look for more information so, where do i find more about it?[NEWLINE]agent: You can always resort to our toll free numbers at 1-800-4-FED-AID or 1-800-433-3243 to get help for filling your FAFSA form.[NEWLINE][BOUNDARY][NEWLINE]user: Right, i guess any helps isn't that bad. Say, how much can i hope to get in financial aid?[NEWLINE]agent: You can get aid that goes from $5,000 up to $20,500. That is for Direct Subsidized Loans, plus Direct Unsubsidized Loans.[NEWLINE]agent: The can be affected for various factors so, Are you a dependent student?[NEWLINE]user: No, i'm independent.[NEWLINE][BOUNDARY][NEWLINE]user: O.k, Thinking on another thing, how can i know what to expect in requirements for a school i like?[NEWLINE]agent: That should be available on the school's website. You go online and check it out so you can get an idea about their plans and opportunities.[NEWLINE]user: I suppose that documentation is a must in these cases, like visas, for example?
user: Good evening, i'm searching for information about getting funds to study abroad. Could you lend me a hand oh this?[NEWLINE]agent: Absolutely, this is the right place. If you're planning to study abroad or just passing one semester, be aware you can receive federal aid.[NEWLINE][BOUNDARY][NEWLINE]user: Alright, then. And what kind of help can i get?[NEWLINE]agent: You can get funds form the William D. Ford Federal Direct Loan Program. You would need to check out if your desired school has participation on that program.[NEWLINE][BOUNDARY][NEWLINE]user: That help could be affected or vary depending on what I study or what?[NEWLINE]agent: No. Mostly, would be affected by your status as undergraduate or graduate student. In that regard, behavior is very like in the U.S.[NEWLINE][BOUNDARY][NEWLINE]user: O.k, I think i get it. Well, lets say i made my mind and go for an international school. What can you do for me?[NEWLINE]agent: Well, we can lend you a hand finding out which international schools get a part in federal student aid programs and then, guide you through the corresponding process of getting that federal aid.[NEWLINE][BOUNDARY][NEWLINE]user: That sounds very good, thanks. Say, if i'm able to get that aid, what amount are we talking about?[NEWLINE]agent: That would depend on the type of aid, but for both Direct Subsidized or Unsubsidized Loans, The amount you could receive goes from $5,500 to $20,500 range.[NEWLINE]agent: In fact, Are you aware that amount could be affected by many factors?
user: I was wondering if I could get student aid when studying abroad. Can you please give me some advice?[NEWLINE]agent: Of course. Whether you plan to study abroad for a semester or get your entire degree outside the United States, you may be able to use federal student aid to pay your expenses.[NEWLINE]user: So even if I study outside the U.S. I can get student aid?[NEWLINE]agent: Yes, that's correct.[NEWLINE][BOUNDARY][NEWLINE]user: That's great! What should I do if I plan to get a degree from an international school?[NEWLINE]agent: Have you decided to get your degree from a school outside the U.S.?[NEWLINE]user: Yes, I want to study abroad.[NEWLINE]agent: Congratulations. Now let us help you find out which international schools participate in the federal student aid programs and guide you through the process of getting federal aid to make a dent in that tuition bill.[NEWLINE][BOUNDARY][NEWLINE]user: I see. When and how do I repay the loan?[NEWLINE]agent: That depends on whether it s a subsidized or unsubsidized loan versus a PLUS loan. Repayment of a loan used to pay for international study works the same way as repayment of a loan used to pay for an American school. Get information about repaying federal student loans.[NEWLINE][BOUNDARY][NEWLINE]user: How can I research schools and their requirements?
user: Is it possible for me to get federal student aid if I am studying through an international shcool?[NEWLINE]agent: Yes you may be able to use federal student aid to pay your expenses at an international school.[NEWLINE]user: Can aid be used for just a semester or do you have to do your entire degree with an international school to qualify for aid?[NEWLINE]agent: You can study abroad for just a semester or get your entire degree outside the United States with the help of federal student aid.[NEWLINE][BOUNDARY][NEWLINE]user: Do all international schools participate in the federal student aid programs?[NEWLINE]agent: Have you decided to get your degree from a school outside the U.S.?[NEWLINE]user: Yes I have.[NEWLINE]agent: That is great, congratulations. Now let us help you find out which international schools participate in the federal student aid programs and guide you through the process of getting federal aid to help pay for your tuition.[NEWLINE][BOUNDARY][NEWLINE]user: Is it possible to get help researching schools and their requirements?[NEWLINE]agent: Yes we can help you with the process of researching international schools and their requirements.[NEWLINE]user: How long will it take to get financial aid for studying abroad?
user: Hi, could you give me more information on financial aid that is available for international study please?[NEWLINE]agent: You may be able to get federal student aid to pay for your costs whether you plan to study for a short period like one semester or for as long as your entire degree[NEWLINE][BOUNDARY][NEWLINE]user: Is there a personal to-do- list that I would need to complete if studying internationally?[NEWLINE]agent: Along with a few other things, you would need to ensure that you have medical insurance in place before you go[NEWLINE][BOUNDARY][NEWLINE]user: Are there separate rules for getting aid if I am studying abroad for just one semester?[NEWLINE]agent: You may receive aid for one semester abroad but you have to meet the eligibility requirements[NEWLINE]agent: Do you normally complete a Free Application for Federal Student Aid FAFSA each year for college?[NEWLINE]user: Yes, I normally do[NEWLINE]agent: In that case, you will be familiar with the FAFSA process, which is needed for aid for study abroad[NEWLINE][BOUNDARY][NEWLINE]user: Will I need a valid passport for studying abroad?[NEWLINE]agent: Yes you will, and medical insurance will be another important essential element of your study abroad[NEWLINE]user: Aare there housing forms that I would need to complete if studying abroad?
user: Hello, do I need information related to the federal aid program?[NEWLINE]agent: In important highlight that federal student aid to pay your expenses.[NEWLINE][BOUNDARY][NEWLINE]user: What is the form of housing?[NEWLINE]agent: Are you interested in life insurance?[NEWLINE][BOUNDARY][NEWLINE]user: I wonder what kind of help can I ask for help?[NEWLINE]agent: You can get that information at the institution.[NEWLINE][BOUNDARY][NEWLINE]user: What student aid can you request for international studies?[NEWLINE]agent: Many international schools are offering help to students.[NEWLINE][BOUNDARY][NEWLINE]user: If you give me the help, what is the payment system?[NEWLINE]agent: The process involves electronically transmitting from the United States Treasury to the designated bank of the international school.[NEWLINE]agent: Also, if there is money left it is transferred to your account.[NEWLINE]user: What does this procedure consist of?
user: Hey, I need some help with my direct plus loan application. Can you answer some questions for me?[NEWLINE]agent: Of course. Direct PLUS Loan Application for Graduate/Professional StudentsWilliam D. Ford Federal Direct Loan ProgramFederal Direct PLUS Loan Request for Supplemental Information?[NEWLINE]user: No, sorry.[NEWLINE][BOUNDARY][NEWLINE]agent: Direct PLUS Loan Application for ParentsWilliam D. Ford Federal Direct Loan ProgramFederal Direct PLUS Loan Request for Supplemental Information?[NEWLINE]user: Yes, that applies.[NEWLINE]agent: Then you should know that parents must be logged in using their own...[NEWLINE]agent: Do you have questions regarding your loan eligibility, the next steps in the processing of your loan, when the loan will be disbursed paid out, or no longer wish to receive the loan?[NEWLINE]user: Yes, I do have plenty questions about that.[NEWLINE]agent: In that case you should contact your school's financial aid office.[NEWLINE][BOUNDARY][NEWLINE]user: Where will my information go once all of the application is filled out?[NEWLINE]agent: The information that you provide will be sent to the school that you select. The school you select will use the information collected to determine your eligibility for a Direct PLUS Loan and process your application.[NEWLINE]user: What is a William D. Ford Federal Direct Loan Program Federal Direct PLUS Loan Request for Supplemental Information?
user: I need to know a few things about my direct plus loan application.[NEWLINE]agent: Do you have a Direct PLUS Loan Application for Graduate/Professional StudentsWilliam D. Ford Federal Direct Loan ProgramFederal Direct PLUS Loan Request for Supplemental Information?[NEWLINE]user: No, I don't.[NEWLINE][BOUNDARY][NEWLINE]agent: Do you have a Direct PLUS Loan Application for ParentsWilliam D. Ford Federal Direct Loan ProgramFederal Direct PLUS Loan Request for Supplemental Information?[NEWLINE]user: Yes, I actually do.[NEWLINE]agent: In that case, parents must be logged in using their own.[NEWLINE]agent: Do you have questions regarding your loan eligibility, the next steps in the processing of your loan, when the loan will be disbursed paid out, or no longer wish to receive the loan?[NEWLINE]user: Yes, I have many questions.[NEWLINE]agent: Then you should contact your school's financial aid office.[NEWLINE][BOUNDARY][NEWLINE]user: What does the direct plus loan request let me do as a parent borrower?[NEWLINE]agent: You can request an additional deferment for 6 months after the student ceases to be enrolled at least half time, for example.[NEWLINE]user: Makes sense. What happens to my information once I submitted my application?
user: What types of Direct PLUS Loan Application should I complete?[NEWLINE]agent: Do you know which type of Direct Plus Loan you are trying for?[NEWLINE]user: I am not even sure which one I should chose?[NEWLINE][BOUNDARY][NEWLINE]agent: Do you want a Direct PLUS loan application for Parents?[NEWLINE]user: Yes, that is the Direct Plus Loan for Parents.[NEWLINE]agent: Parents must be logged into using their own account.[NEWLINE]user: What if I have questions regarding my loan eligibility and about the next steps in the processing of my loan?[NEWLINE]agent: You should definitely get in contact with your school's financial aid office and they will help you with any questions.[NEWLINE][BOUNDARY][NEWLINE]user: Do I need to complete a Direct PLUS Loan Master Promissory Note?[NEWLINE]agent: Yes, you must complete a Direct Loan Master Promissory Note before you can receive a Direct PLUS Loan because it explains all the terms and conditions your your loan and is the legal binding agreement to repay the loan.[NEWLINE]user: What does the Direct PLUS Loan request allow me to do?
user: Hi there. I would like to get some information related to the direct plus loan program.[NEWLINE]agent: Sure. Are you interested into apply for this program?[NEWLINE]user: Yes, I would like to request this program.[NEWLINE]agent: Sure, there is no problem. You need to loggin into the system.[NEWLINE][BOUNDARY][NEWLINE]user: Is this managed by me or by the school I go?[NEWLINE]agent: Yes, it can be managed by the school, but it needs your personal authorization, but this is not mandatory.[NEWLINE]user: Apply for this kind of loan is about just to make the request and no more?[NEWLINE]agent: Before you can receive the loan you need to complete a direct plus loan master promissory note, which will explain everything of the terms and conditions of this program.[NEWLINE]user: What happens if I have have a security freeze?[NEWLINE]agent: In that case, you'll need to remove the freeze at each credit bureau before you can continue.[NEWLINE]user: I see this is on the application you mentioned before?
user: sdfsdf[NEWLINE]agent: Are you interested into apply for this program?[NEWLINE]user: Yes, if this is a good thing for me, I would love to.[NEWLINE]agent: Great this will depend of if you are a student or not, and if are a student you will need to log in into a account just for students.[NEWLINE][BOUNDARY][NEWLINE]user: I see. But there is also a loan program which is for parent, I mean through it the parents can manage some of the loans?[NEWLINE]agent: Yes, there is. It's the same program, but brings the parents an account for their involvement.[NEWLINE]agent: Do you have any more questions?[NEWLINE]user: I still have some doubts, but not about what we were talking about.[NEWLINE][BOUNDARY][NEWLINE]user: I can give authorization to other people to manage this loans in case I can do it by myself?[NEWLINE]agent: Yes,, you can authorize your school to help you with the management.[NEWLINE]user: So, this is not mandatory?
user: Where do I go if I am looking for more information on the Direct PLUS loan Request relating to the William D. Ford Federal Direct Loan Program?[NEWLINE]agent: It's a request for more information in connection with an application that has been made for a Direct PLUS Loan through the William D. Ford Federal Direct Loan Program. Schools may differ in the way that they provide further information to their applicants in relation to these loans[NEWLINE]agent: Are you applying for a borrowing as a parent?[NEWLINE]user: Yes, I am indeed[NEWLINE]agent: In this case, the Direct PLUS Loan Request allows some further concessions which I can go through with you if you would like?[NEWLINE]user: What is the next step after I request supplemental information about the Direct PLUS Loan through the William D. Ford Federal Direct Loan Program?[NEWLINE]agent: Any information that you give us will be sent to the relevant school. The school will then use this information to determine your eligibility for a Direct PLUS Loan and will process your application for same[NEWLINE][BOUNDARY][NEWLINE]user: Where can I find out more about Direct PLUS Loan Applications for Graduate/Professional Students through the William D. Ford Federal Direct Loan Program?[NEWLINE]agent: Firstly, you must be logged into the system under your own personal log in credentials[NEWLINE][BOUNDARY][NEWLINE]user: Are there any special features associated with the Direct PLUS Loan Request?[NEWLINE]agent: Yes, there are. This request allows you, the applicant, to authorize your school to use your loan funds to satisfy other educationally related charges, apart from tuition and fees and room and board. You are not required to provide this authorization[NEWLINE][BOUNDARY][NEWLINE]user: Is there any information available to parents regarding the Direct PLUS Loan Request through the William D. Ford Federal Direct Loan Program?