elplaguister/DTS_session_datasets huggingface dataset:
user: Are there any advantages to having a federal student loan over a private student loan?[NEWLINE]agent: Will you be seeking to take out a loan to help pay for your college education?[NEWLINE]user: Not at the moment, I am just looking for information[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: What are the actual differences between federal student loans and private student loans?[NEWLINE]agent: Federal student loans are offered by the Government. The terms and conditions of these loans are governed by the law. Benefits of these loans may include fixed interest rates and income-driven repayment plans which are not typically offered with private student loans. Private loans are offered by financial institutions and have their conditions governed by the lender themselves[NEWLINE][BOUNDARY][NEWLINE]user: Also, do you know if there is a fee for this loan? What are some significant dates that I should be aware of?[NEWLINE]agent: Loans first disbursed prior to Oct. 1, 2017, have different loan fees[NEWLINE][BOUNDARY][NEWLINE]user: I'd also like to learn more about private loans. Is there any way you could give me a rundown of the differences?[NEWLINE]agent: There is a chart on the website that provides a summary of both loans and how they differ[NEWLINE][BOUNDARY][NEWLINE]user: What should I keep in mind when applying for federal student loans? What happens when I sign my promissory note?[NEWLINE]agent: When you sign your promissory note, you agree to repay the loan in accordance with the terms of the note, even if you did not, or did not, get a job after completing the program. I don't like the education you received.[NEWLINE][BOUNDARY][NEWLINE]user: To borrow money to pay for college or career, is there a loan from  Direct Parent Loan?[NEWLINE]agent: Yes, these are known as Federal parent loans and are Direct PLUS Loans aimed at parents[NEWLINE][BOUNDARY][NEWLINE]user: Are there many differences between federal and private student loans?
user: Why would I opt for a federal loan over a private student loan to help with my college education?[NEWLINE]agent: Are you currently seeking a  loan to help with your college education?[NEWLINE]user: Yes, I am starting the process now[NEWLINE]agent: You should consider federal loans first[NEWLINE]user: What type of loan is offered to me through a financial aid package, should I receive one?[NEWLINE]agent: It is quite likely that your school will offer you a student loan as part of any financial aid package you receive. You should inform yourself of the different loan options that there are in the marketplace. Generally, there are two types of student loans available, federal and private[NEWLINE]user: Alright. I have another question about FSA program. What are things I should know just in case I decide to take out through the FSA program?[NEWLINE]agent: When taking out a loan, you must fully understand who the loan is being taken by and the terms and conditions of the borrowing. There are a number of sources of student loans, these being the federal government, private sources such as banks or financial institutions and other organizations[NEWLINE][BOUNDARY][NEWLINE]user: Is there a limit to how much I can borrow if I am a graduate or professional student?[NEWLINE]agent: As a graduate or professional student, you can borrow up to $20,500 each year with a Direct Unsubsidized Loan. You may also use a Direct PLUS Loan on the remainder of your college expenses, which is not covered by other financial aids in the market[NEWLINE]user: How do I know which loan is right for me as a graduate or professional student?
user: Hi there. I'm looking some information about what has more advantages if the private or federal aids for students loans.[NEWLINE]agent: Sure, no problem. Are you looking for information because you need a loan to help you pay for college?[NEWLINE]user: Yes, that's right. And I'm looking to see which one gives me better options.[NEWLINE]agent: Great! Well, we can tell you that you should consider the federal loans first.[NEWLINE][BOUNDARY][NEWLINE]user: Is it possible for me to cancel a loan if I no longer need it?[NEWLINE]agent: Absolutely, if you do it before your money is disbursed you can cancel all or part of your loan at any time.[NEWLINE][BOUNDARY][NEWLINE]user: How do I apply for a loan?[NEWLINE]agent: Would you like to apply for a Direct Loan?[NEWLINE]user: Yes, I want to apply for a Direct Loan.[NEWLINE]agent: You must first complete and submit the FAFSA form and your school will use the info to determine how much student aid you are eligible for and the Direct Loan is usually included as part of the financial aid package.[NEWLINE][BOUNDARY][NEWLINE]user: What if I want to cancel my loan because it is less than I need?
user: I want to know more about false certification discharge of a loan[NEWLINE]agent: I can help you learn more about false certification discharge to see whether you might qualify[NEWLINE][BOUNDARY][NEWLINE]user: how do I apply for a direct loan discharge?[NEWLINE]agent: You need to complete the loan discharge application that applies to your situation[NEWLINE][BOUNDARY][NEWLINE]user: what if I'm not given a loan discharge?[NEWLINE]agent: If you do not receive a loan discharge you are responsible for repaying your loan.[NEWLINE]agent: Do you need more information to be prepared if you think you were wrongly denied a loan discharge?[NEWLINE]user: no it's good[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: what are ways to get a discharge?[NEWLINE]agent: There are three categories of false certification through which you might be eligible for a discharge of your Direct Loans or FFEL Program loans[NEWLINE][BOUNDARY][NEWLINE]user: Okay, that's fine. Now, in regards to the Perkins Loan servicer, what do they do?
user: can you help me with a loan discharge?[NEWLINE]agent: Yes, we can give you false certification discharge information to see whether you might qualify[NEWLINE]user: can I get a direct loan discharged?[NEWLINE]agent: You might be eligible for a discharge of your loan made under the William D. Ford Federal Direct Loan Program if your school falsely certified your eligibility to receive a loan.[NEWLINE][BOUNDARY][NEWLINE]user: there's something I need to ask. When my old school closed, I transferred the credits to my new program at a new school, Since the closing of my school was not my fault, does this mean that I would be no longer eligible for discharge of the loans I took out at the closed school?[NEWLINE]agent: No. ransfer of credits from the closed school to a completely different program of study at the new school does not disqualify you for discharge.[NEWLINE][BOUNDARY][NEWLINE]user: What if I received a diploma without completing the program? Does that make me ineligible?[NEWLINE]agent: No. Before closing, some schools may issue a diploma or certificate to students who did not complete the program of study.[NEWLINE][BOUNDARY][NEWLINE]user: What if I meet the eligibility requirements for a closed school discharge and want my loans discharged?[NEWLINE]agent: Then you should contact your loan servicer about applying for a closed school discharge now instead of waiting for three years to receive an automatic closed school discharge.[NEWLINE][BOUNDARY][NEWLINE]user: I see. And what should I ask for when contacting my loan servicer?
user: My school filled out the paperwork for my school loans wrong. Do I still have to pay the loans back?[NEWLINE]agent: In the instance of a false certification, you may qualify for the discharge of your federal student loans. Would you like to learn more?[NEWLINE][BOUNDARY][NEWLINE]user: Actually, my mom and dad took out the loan to help me, but the paperwork is still wrong. Does that make a difference?[NEWLINE]agent: A PLUS loan taken out by a parent could still be discharged in the case of a false certification.[NEWLINE][BOUNDARY][NEWLINE]user: by the way for the Public Service Loan Forgiveness (PSLF) how can I submit the form?[NEWLINE]agent: Submit the completed form, with your employer's certification, to FedLoan Servicing, the federal loan servicer for the United States Department of Education for the PSLF Program. You can mail the form to this address:[NEWLINE]agent: FedLoan Servicing Already Your Administrator?[NEWLINE]user: yes[NEWLINE]agent: You can upload your PSLF application or Employment Certification Form on your website.[NEWLINE][BOUNDARY][NEWLINE]user: and who will certify my employment?[NEWLINE]agent: Often it will be someone from the human resources department, although in some cases your direct supervisor or someone else may be authorized to certify your employment. Check with your organization to see who can certify your Employment Certification Form.[NEWLINE][BOUNDARY][NEWLINE]user: What if you don't regularly submit the Employment Certification Form?
user: Goo evening. I recently found out that my school apparently requested a student loan on my behalf without me knowing. Is there something I can do about that?[NEWLINE]agent: Certainly, you can. You may be eligible for a discharge of such loan, all based on that false certification.[NEWLINE][BOUNDARY][NEWLINE]user: That's a relief. But, I don't stop thinking if I could be rejected on my claim. If that happens, what then?[NEWLINE]agent: If that's your scenario, then I'm afraid you'll remain as responsible for repaying your loan.[NEWLINE]agent: Do you have any proof of negligent denial or something you can add to your discharge case?[NEWLINE]user: No, i'm not affected by that. I was just asking.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: Well, in any case, what i must do if  i want to apply for a discharge? I mean, you never know.[NEWLINE]agent: If you have a loan and wan to apply for a discharge, you must complete the loan discharge which goes with you circumstance.[NEWLINE][BOUNDARY][NEWLINE]user: There is something else about Direct Subsidized Loans. hi[NEWLINE]agent: In that case, at least you provide direct and personal educational services to students, you won't be considered as a teacher.[NEWLINE][BOUNDARY][NEWLINE]user: So, is mandatory a field of expertice?
user: I would like to get further information on my eligibility for a discharge of my federal student loan, based on false certification, could you help me in this regard?[NEWLINE]agent: You can learn more about false certification discharges and the eligibility surrounding them on this website, please go to the relevant section[NEWLINE][BOUNDARY][NEWLINE]user: And do you know what the eligibility requirements are to qualify for a loan discharge due to false certification?[NEWLINE]agent: In total, there are three categories of false certification. You may be eligible for discharge of your Direct Loan or FFEL Program Loan through one of these categories[NEWLINE][BOUNDARY][NEWLINE]user: What if I initially enrolled in a program, but decided not to continue with that program and transferred to another?[NEWLINE]agent: If you were then unable to complete the second program because the school closed, only loans you received for the second program could potentially be discharged.[NEWLINE][BOUNDARY][NEWLINE]user: Can I still get a discharge of the loans if my school closes down and I enroll in a similar program at another school?[NEWLINE]agent: Well, it depends.[NEWLINE]user: Let's be more specific then. What if I completed a similar program through a teach-out?[NEWLINE]agent: In that case, by transferring academic credits or hours from the closed school, or by any other comparable means, you are not eligible for a closed school discharge.[NEWLINE]user: Could I still be eligible for a discharge somehow?
user: How can I find out if I am eligible for a discharge of me federal student loan due to false certification?[NEWLINE]agent: There is a section on the website dedicated to this topic which will tell you if you are eligible for this[NEWLINE][BOUNDARY][NEWLINE]user: What is the best way for me to apply for a loan discharge?[NEWLINE]agent: You will need to contact your loan servicer to pursue this[NEWLINE]user: Is it easy to apply for a loan discharge?[NEWLINE]agent: Do you have a Direct Loan or FFEL Program loan and wish to apply for a loan discharge due to false certification?[NEWLINE]user: Yes, that is exactly what I am looking to do[NEWLINE]agent: When applying for a discharge, you will need to complete the loan discharge application that is relevant to your own personal circumstance[NEWLINE][BOUNDARY][NEWLINE]user: Another question, what should I do if I am prepared to cancel the unpaid refund?[NEWLINE]agent: Then you must complete the Loan Discharge Application: Unpaid Refund and send the completed form to your loan servicer.[NEWLINE]user: What if I want to apply for an unpaid refund discharge, but my school has closed down?
user: I want to see about a student loan discharge[NEWLINE]agent: I can help you learn more about false certification discharge to see whether you might qualify[NEWLINE][BOUNDARY][NEWLINE]user: can I be helped if I am the parent of a student and the loan was to me?[NEWLINE]agent: Yes, we can help you[NEWLINE][BOUNDARY][NEWLINE]user: If my school closes and I enroll in a similar program at another school, will I still be able to get a discharge of the loans I took out at the closed school?[NEWLINE]agent: It depends. If you completed or are in the process of completing a comparable program of study at another school through a teach - out, by transferring academic credits or hours from the closed school, or by any other comparable means, you are not eligible for a closed school discharge. What if I completed a teaching-out program at another school?[NEWLINE]user: But am I still eligible for a discharge at least?[NEWLINE]agent: You may be eligible for discharge if you completed or are in the process of completing a comparable program at another school.[NEWLINE][BOUNDARY][NEWLINE]user: What if I initially enrolled in a program, but decided not to continue with that program and transferred to another program?[NEWLINE]agent: If you were also unable to complete Program B because the school closed, only loans you received for Program B could potentially be discharged.[NEWLINE][BOUNDARY][NEWLINE]user: I've received a certificate without completing the program. Do I qualify for a loan discharge in that case?
user: How can I find out if I am eligible for a discharge of my federal loan, based on false certification?[NEWLINE]agent: We have a dedicated section on our website for false certification discharge, which will inform you whether you qualify or not[NEWLINE][BOUNDARY][NEWLINE]user: What exactly is refunded if my loan is discharged?[NEWLINE]agent: The entire remaining balance of your loan is cleared and any payments made on the loan are refunded[NEWLINE]user: Who qualifies as a teacher? What if I'm in charge of a team of people?[NEWLINE]agent: In that case, you are not considered a teacher unless you primarily provide direct and personal educational services to students.[NEWLINE][BOUNDARY][NEWLINE]user: What is the eligibility for teacher cancellation based on?
user: What criteria have to be met to become eligible for a discharge of a federal student loan based on false certification?[NEWLINE]agent: We have a section on our website that covers off all the information you will need in this regard[NEWLINE][BOUNDARY][NEWLINE]user: Is it possible that any part of my parent PLUS loan could be discharged due to false certification?[NEWLINE]agent: To the best of your knowledge, do you know if the school falsely certified the student's ability to benefit from its training?[NEWLINE]user: No, I don't have that information or evidence as of yet[NEWLINE]agent: Did the student in question have a disqualifying status at the time your school certified your eligibility to receive the parent PLUS loan?[NEWLINE]user: No, not to my knowledge, but it is something I could check out[NEWLINE]agent: Do you have any evidence of the school having signed your name on a promissory note or other loan documentation without your authorization?[NEWLINE]user: Yes, I do have evidence of this[NEWLINE]agent: null[NEWLINE][BOUNDARY][NEWLINE]user: About loan, What if I change my mind?
user: I want a loan discharge please[NEWLINE]agent: Okay, you can first learn more about false certification discharge to see whether you might qualify[NEWLINE][BOUNDARY][NEWLINE]user: where can I apply for a discharge if I didn't get anything from the training?[NEWLINE]agent: You would apply for a Loan Discharge Application: False Certification Ability to Benefit[NEWLINE][BOUNDARY][NEWLINE]user: can I appeal if denied?[NEWLINE]agent: You may ask the U.S. Department of Education to review the denial[NEWLINE][BOUNDARY][NEWLINE]user: That's a boomer, I believe. But, oh well. Returning to the previous query of how much redemption could be worth, you said it could be up to $17,500, correct? What do I need to do to be considered for that?[NEWLINE]agent: Are you a qualified full time mathematics or science teacher who taught students at the secondary school level?[NEWLINE]user: Yeah, i was teaching science.[NEWLINE]agent: Excellent, then you can be eligible to get a forgiveness up to $17,500.[NEWLINE][BOUNDARY][NEWLINE]user: Nice, nice. Thanks for that info. Look, i have this doubt. Lets say i already have a loan but i fell on default. That would affect my chances for forgiveness?
user: Who do I make a student loan payment to?[NEWLINE]agent: It is very simple, all you have to do is work with your federal loan servicer.[NEWLINE][BOUNDARY][NEWLINE]agent: Do you know where to send your student loan payment?[NEWLINE]user: No, I have no idea who to send my student loan payment to.[NEWLINE][BOUNDARY][NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: Where do send my other loan servicer payments?[NEWLINE]agent: You would need to find your loan servicer contact info they sent to you.[NEWLINE]user: Is there any discounts to have automatic debit with Direct Loans?[NEWLINE]agent: Yes, you can get a.25% interest rate deduction if you have automatic debit.[NEWLINE][BOUNDARY][NEWLINE]user: I would like to inquire about Automatic Suspension of Monthly Payments as a Result of the COVID-19 National Emergency? How long will the payment suspension due to Covid-19 last?[NEWLINE]agent: They began on March 13th, 2020 and will end on September 30th 2020.[NEWLINE][BOUNDARY][NEWLINE]user: How can I avoid defaulting on my loan?
user: If I want to make a Student Loan Payment, how do I go about this?[NEWLINE]agent: This is a very simple process that can be done at any time. You should start by consulting your federal loan servicer[NEWLINE][BOUNDARY][NEWLINE]agent: Are you fully aware of where to send your student loan payments?[NEWLINE]user: Yes, I'm fairly sure, thanks[NEWLINE]agent: Just to let you know, all the billing aspects of your student loan are looked after by your student loan servicer. Your servicer will help you if you assistance in making any payments[NEWLINE][BOUNDARY][NEWLINE]user: I'd like to learn more about the different types of repayment plans that are available. Can you tell me more about the different types of repayment plans that are available?[NEWLINE]agent: Actually, besides for paying off your loan, there is also a possibility of having your student loan forgiven as well.[NEWLINE][BOUNDARY][NEWLINE]user: Ok thanks, regarding the payment to other loan providers, how can I make a payment to the Direct Loan Program?[NEWLINE]agent: Yes there is, you will receive a 0.25% interest rate deduction if you set up an automatic direct debit to your Direct Loan[NEWLINE]user: Is there any way to know who is my loan servicer so that we can discuss the repayment plans that I should get?[NEWLINE]agent: very easy call the FSAIC Federal Student Aid Information Center at 1 - 800 - 433 - 3243.[NEWLINE][BOUNDARY][NEWLINE]user: Is it possible to make a payment on a Great Lakes or Nelnet Loan without using the FSA website?[NEWLINE]agent: It could happen that we cannot accept a payment to this loan due to your account status. If you'd prefer, you can always make a payment on your servicer's website, all you need to do is log in to your Great Lakes or Nelnet account online[NEWLINE][BOUNDARY][NEWLINE]user: Are there any bonuses available to me if I set up regular payments to my Direct Loan?[NEWLINE]agent: Yes, a bonus is available, please consult the website to find out more[NEWLINE]user: How do I make a payment to Other Loan Servicers?
user: I need a bit of help making a payment to my Student Loan, I wonder if you could help me?[NEWLINE]agent: It's very easy to make a payment to your Student Loan, firstly, the best place to start is by contacting your loan servicer[NEWLINE][BOUNDARY][NEWLINE]agent: Do you know where to send payments to?[NEWLINE]user: I'm really not sure, I haven't done this before[NEWLINE][BOUNDARY][NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: Are there any bonuses available to making regular payments to my Direct Loan through other loan servicers?[NEWLINE]agent: Yes, there is a bonus, if you would like further information, I can direct you where to go[NEWLINE]user: Is there any incentive for me to set up a direct debit to make payments to my Direct Loan with Other Loan Servicers?[NEWLINE]agent: If you set up a direct debit you will receive a 0.25% interest rate deduction on your Direct Loan[NEWLINE][BOUNDARY][NEWLINE]user: I have another concern about the COVID-19 National Emergency's Monthly Payments. How long will the payment suspension due to Covid-19 last?[NEWLINE]agent: They began on March 13th, 2020 and will end on September 30th 2020.[NEWLINE][BOUNDARY][NEWLINE]user: How can I avoid defaulting on my loan?
user: Is it easy to make a student loan payment?[NEWLINE]agent: It is very easy to pay toward your student loan at any time and you can get started by working with your federal loan servicer.[NEWLINE][BOUNDARY][NEWLINE]agent: Did your loan servicer get in contact with you to where you send the loan payments?[NEWLINE]user: No, they did not yet send me the information.[NEWLINE][BOUNDARY][NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: Can you tell me if I can make Great Lakes or Nelnet payments on your site now?[NEWLINE]agent: Yes, we are now accepting payments for student loans that are serviced by Great Lakes or Nelnet and you can go to your dashboard to find it.[NEWLINE][BOUNDARY][NEWLINE]user: There's one more thing to mention about Student Loan Payments. That's something I don't like. What can you tell me about the recertification process?[NEWLINE][BOUNDARY][NEWLINE]agent: Do you want to recertify your income-driven repayment plan?[NEWLINE]user: Yes, please tell me more about that.[NEWLINE]agent: Enrollment in an income-driven repayment plan is good for one year. Before the year is over, you need to recertify your income and family size to stay on the plan.[NEWLINE]agent: Can you NOT afford your current income-driven payments because you've had a drop in income?[NEWLINE]user: Yes, unfortunately.[NEWLINE]agent: Then you can recertify early to have your new income taken into account right away.[NEWLINE][BOUNDARY][NEWLINE]user: I see. How do I provide relief to student loan borrowers during the COVID-19 national emergency?