elplaguister/DTS_session_datasets huggingface dataset:
user: Is there a way to get temporary relief for my student loan payments?[NEWLINE]agent: Yes, you can get your payments for your student loans suspended for a short period.[NEWLINE]agent: Are you in a short-term financial bind?[NEWLINE]user: Yes, I am temporarily laid off for four weeks.[NEWLINE]agent: You may actually qualify for a deferment or a forbearance and temporarily suspend your payments.[NEWLINE][BOUNDARY][NEWLINE]user: I want to know more about Mandatory Forbearance; and what happens if you do an internship or residency in medicine or dentistry?[NEWLINE]agent: You'll be serving an internship or resident program and you meet specific requirements.[NEWLINE][BOUNDARY][NEWLINE]user: I also hope to find out how much money i ahve in my balance. Could I qualify for loan forgiveness eventually[NEWLINE]agent: Yes, you could qualify for loan forgiveness on our remaining balance if your loan is not paid in full after 20-25 years.[NEWLINE][BOUNDARY][NEWLINE]user: Another thing about the ICR plan, will it benefit me for my PLUS loans?[NEWLINE]agent: The benefits of this plan will give you the only income-based repayment option available to major PLUS loan borrowers.[NEWLINE][BOUNDARY][NEWLINE]user: I'm hoping to find out as well about the temporary relief. Is an income-driven repayment plan a safer way to get it with lower payments?[NEWLINE]agent: Yes, it might be a better option because your income-driven repayment base your monthly student loan payments on your income and family size and you could have a payment as low as zero each month.[NEWLINE][BOUNDARY][NEWLINE]user: What happens during the deferment or forebearance?[NEWLINE]agent: Interest will accrue during your period of deferment or forbearance except in cases like one offered as a result of COVID-19 national emergency.[NEWLINE]user: Would it be best for me to consider other options besides deferment or forebearance first?
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]agent: Unfortunately, no relevant information is found.[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]agent: Unfortunately, no relevant information is found.[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: 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]agent: Unfortunately, no relevant information is found.[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][BOUNDARY][NEWLINE]user: I'm also interested in learning more about loans. This is fantastic. How long do mandatory forbearances last?[NEWLINE]agent: Mandatory forbearances may be granted for no more than 12 months at a time.[NEWLINE][BOUNDARY][NEWLINE]user: Do you know what a deferment or forbearance is? Is there a way 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][BOUNDARY][NEWLINE]user: Also, for mandatory indulgences. very well and how do I calculate the amount of my payment?[NEWLINE]agent: You can Use our loan simulator. Loan Simulator provides a comparison of estimated monthly payment amounts for all federal student loan repayment plans, including income-based plans.[NEWLINE][BOUNDARY][NEWLINE]user: I was wondering if I can get temporary relief from my student loan during this Covid-19 outbreak?[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 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]agent: Unfortunately, no relevant information is found.[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: Do you have any knowledge of entrance counseling? Is it true that each school has the same entrance therapy requirements?[NEWLINE]agent: Every school may have something different for entrance counseling to complete and it is smart to check with your school's financial aid office to be sure the counseling available on this Website will satisfy the requirements.[NEWLINE][BOUNDARY][NEWLINE]user: I also hope to find out about  federal student loan, 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: Another thing about the school's ability to benefit alternatives, it can be noted that the financial aid offered by the school is an eligible career program.
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]agent: Unfortunately, no relevant information is found.[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: 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]agent: Unfortunately, no relevant information is found.[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: I have questions about the William D. Ford Federal DIrect Loan Program.[NEWLINE]agent: You can request supplemental information in connection with your William D. Ford Federal Direct PLUS Loan application. However, the process for receiving this information may differ depending on the school.[NEWLINE]agent: Are you a parent borrower?[NEWLINE]user: No. I'm the student.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: How do I complete a Direct PLUS Loan Application?[NEWLINE][BOUNDARY][NEWLINE]agent: Are you seeking a Direct PLUS Loan Application for Graduate/Professional Students under the William D. Ford Federal Direct Loan Program Request for supplemental information?[NEWLINE]user: No.[NEWLINE][BOUNDARY][NEWLINE]agent: Are you seeking the request application for parents?[NEWLINE]user: Yes, my Mom needs to complete this.[NEWLINE]agent: Okay. Please advise your parent that they must be logged in to their own account to complete this application.[NEWLINE]agent: Do you have any questions about loan eligibility?[NEWLINE]user: Yes. I need clarification on what loans I'm eligible for.
user: What type of Direct PLUS Loan application should I complete?[NEWLINE]agent: Do you have a Direct PLUS Loan application for Graduate/Professional Students William D. Ford Federal Direct Loan Program loan request for supplemental information?[NEWLINE]user: No I do not have this application.[NEWLINE][BOUNDARY][NEWLINE]agent: Do you have a Direct PLUS Loan application for Parents William D. Ford Federal Direct Loan Program loan request for supplemental information?[NEWLINE]user: No I do not have this application for supplemental information.[NEWLINE][BOUNDARY][NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: What does the Direct PLUS Loan Request allow me to do?[NEWLINE]agent: The Direct PLUS Loan Request allows you to authorize the school to use your loan funds to for other educationally related charges after all the tuition and fees and room and board have been paid.[NEWLINE]user: What is the William D. Ford Federal Direct Loan Program request for supplemental information used for?[NEWLINE]agent: It is a request for supplemental info connected to your application for Federal Direct PLUS Loan Direct PLUS Loan through the William D. Ford Federal Direct Loan Program.[NEWLINE]user: What must I do before I receive my Direct PLUS Loan?
user: Hi, I am looking to take out a student loan and would like to know what a Mater Promissory Note is?[NEWLINE]agent: A Master Promissory Note (MPN) is a legal document in which you promise to repay your loan and any accrued interest and fees to the U.S. Department of Education. It also explains the terms and conditions of your loan.[NEWLINE]user: I am looking to apply for a Direct Unsubsidized Loan, does this loan have the same MPN as a Direct PLUS Loan?[NEWLINE]agent: Both loans have MPNs but they are different, each one applying to a particular loan.[NEWLINE][BOUNDARY][NEWLINE]user: Were can I find a copy of the MPN for a Direct PLUS Loan?[NEWLINE]agent: You can download the PDF for the MPN for Direct PLUS Loans. This can be used for Direct PLUS Loans that are eligible for graduate/professional students.[NEWLINE][BOUNDARY][NEWLINE]user: As a graduate/professional student should I 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: What is a Master Promissory Note (MPN) for graduate students?[NEWLINE]agent: The MPN is a legal document that you promise to pay back your loan and any accrued interest plus fees to the US Department of Education and it explains the terms of your loan.[NEWLINE]user: Are there different MPNs for different types of loans such as Direct Unsubsidized and Direct PLUS Loans?[NEWLINE]agent: Yes, each type of loan has a different MPN that you have to sign.[NEWLINE][BOUNDARY][NEWLINE]user: When would I use an MPN for Direct PLUS Loans?[NEWLINE]agent: Use the MPN for Direct PLUS Loans which are available to those who are eligible.[NEWLINE][BOUNDARY][NEWLINE]user: Who should complete this DEMO?[NEWLINE][BOUNDARY][NEWLINE]agent: Do you know it will take 30 minutes?[NEWLINE]user: No, did not know that.[NEWLINE][BOUNDARY][NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: What do I need for access?
user: I need help with how you stay eligible for financial aiid[NEWLINE]agent: Okay, you will have to continue to meet the basic eligibility criteria, make satisfactory academic progress, and fill out the FAFSA form every year to continue receiving federal student aid.[NEWLINE][BOUNDARY][NEWLINE]user: I need the fafsa form each year or just once?[NEWLINE]agent: Have you already filled out a FAFSA form?[NEWLINE]user: no, I'm doing it soon[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: how do you make satisfactory academic progress to keep getting financial aid?[NEWLINE]agent: You have to make good grades and complete enough classes to keep moving toward successfully completing your degree.[NEWLINE]agent: Are you aware of the satisfactory academic progress policy for financial aid purposes for the school you will be attending?[NEWLINE]user: I don't know what it is[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: I have to keep doing this and not just the first year when I apply?[NEWLINE]agent: Yes, you have to meet basic eligibility criteria throughout the time you are receiving aid[NEWLINE][BOUNDARY][NEWLINE]user: By the way, do you know all the compilation of the documents necessary to apply for the FAFSA? How much financial information do you request from me?[NEWLINE]agent: The form will look for information on cash at hand, any savings and checking accounts that you may have. Information will also be sought on stocks and bonds. You will be asked about real estate, but excepting the home in which you live. Any business and farm assets will be sought from you and your parents if you are a dependent student[NEWLINE][BOUNDARY][NEWLINE]user: Could the fact that my father died in the Middle East affect my eligibility for aid?
user: Hello, I would like to know what I must do to continue receiving federal student aid[NEWLINE]agent: Of course You must continue to meet the basic eligibility criteria, make satisfactory academic progress, and complete the FAFSA every year.[NEWLINE][BOUNDARY][NEWLINE]user: Should I continue to meet the basic eligibility criteria?[NEWLINE]agent: yes Remember the basic eligibility criteria that allow you to get federal student aid continue to apply the entire time you receive aid, not just when you first fill out the FAFSA and receive aid.[NEWLINE][BOUNDARY][NEWLINE]user: and Must I have satisfactory academic progress to continue receiving federal student aid?[NEWLINE]agent: You must make satisfactory academic progress to continue receiving federal student aid. In other words, you have to get good grades and complete enough classes (credits, hours, etc.)[NEWLINE]user: I have another question aboutI f u w.Okay. Now, about XXXX. and is it indispensable?[NEWLINE]agent: yes You must make satisfactory academic progress to continue receiving federal student aid.[NEWLINE]agent: Do you want to see your school's data?[NEWLINE]user: no[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: and for how long is the form you fill out valid?
user: Hi. I want to continue receiving your federal student aid, what must I do to remain eligible?[NEWLINE]agent: You must continue to meet the basic eligibility criteria, make satisfactory academic progress, and complete the FAFSA every year.[NEWLINE][BOUNDARY][NEWLINE]user: And who defines the financial aid policies?[NEWLINE]agent: Each school has a satisfactory academic progress policy for financial aid purposes; To view your school's details, you can check your school's website or ask someone at the financial aid office. Your school policy will tell you[NEWLINE]user: And what reasons would they take if an academic process is not satisfactory?[NEWLINE]agent: Reasons for appeal generally include the death of a family member, illness or injury, or other special circumstances;[NEWLINE][BOUNDARY][NEWLINE]user: And how often should I complete the form?[NEWLINE]agent: I already filled out the FAFSA form?[NEWLINE]user: no[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: And once I meet the requirements, should I always meet them?
user: hi[NEWLINE]agent: hi[NEWLINE][BOUNDARY][NEWLINE]user: hi[NEWLINE]agent: hi[NEWLINE]user: I see. May I ask another question. forI f u w.Btw, do you know about XXXX. hi[NEWLINE]agent: hi[NEWLINE]user: hi[NEWLINE]agent: hi[NEWLINE][BOUNDARY][NEWLINE]user: O.k i'll make sure to check that out. This is a silly question but, Do i have to keep the grades up all the time to keep the aid?[NEWLINE]agent: Of course. That eligibility criteria that was applied when you requested that aid, needs to be kept through all the time you receive the funds.[NEWLINE][BOUNDARY][NEWLINE]user: Oh, O.k Sorry, i just wanted to be sure. In any case, i don't need to renew anything after i got the aid, don't i?[NEWLINE]agent: Did you fill a FAFSA form when you requested your aid?
user: I need eligibility help[NEWLINE]agent: Okay, you will need to continue to meet the basic eligibility criteria, make satisfactory academic progress, and fill out the FAFSA form every year.[NEWLINE][BOUNDARY][NEWLINE]user: but what does it mean when they say I need to make academic progress?[NEWLINE]agent: It means you have to make good enough grades, and complete enough classes to keep moving toward successfully completing your degree[NEWLINE]agent: Do you know the academic progress policy for financial aid purposes your school has?[NEWLINE]user: nope, that is why I asked[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: and I need to do the FAFSA each year?[NEWLINE]agent: Have you filled out the FAFSA form?[NEWLINE]user: not yet[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: do I just have to stay eligible once and I'm good for my school duration?[NEWLINE]agent: Eligibility applies throughout the time you are receiving aid, and not just when you first fill out the FAFSA form and are awarded aid.[NEWLINE][BOUNDARY][NEWLINE]user: Regarding not receiving federal student aid, is my incarcerated condition a problem to access benefits?[NEWLINE]agent: Yes, your incarceration affects your eligibility for different types of aid in different ways[NEWLINE][BOUNDARY][NEWLINE]user: Got it. I have another question for you. What exactly is a loan?