elplaguister/DTS_session_datasets huggingface dataset:
user: Yes, can you tell me the difference between a dependent student and an independent student?[NEWLINE]agent: Of course. To decide that, read the definitions, find out who has to provide parent information on the FAFSA form, and learn what to do if you aren't in contact with your parents.[NEWLINE][BOUNDARY][NEWLINE]user: My form looks different than the one my friend had last year.Where can I find up to date questions regarding my status?[NEWLINE]agent: On our website you'll find the questions that determine your dependency status, first in a graphic format and then for 2020/21 specifically in a table of dependency status questions.[NEWLINE][BOUNDARY][NEWLINE]user: How should I fill out the dependency status questions on my form then?[NEWLINE]agent: You are not a veteran if you 1 have never engaged in active duty including basic training in the U.S. armed forces, 2 are currently a Reserve Officers Training Corps ROTC student or a cadet or midshipman at a service academy, 3 are a National Guard or Reserves enlistee activated only for state or training purposes, or 4 were engaged in active duty in the U.S. armed forces but released under dishonorable conditions and should answer with "no".[NEWLINE][BOUNDARY][NEWLINE]user: What if I'm a dependent student?[NEWLINE]agent: Then you will report your and your parents information.[NEWLINE][BOUNDARY][NEWLINE]user: What kind of information of mine and my parents would be needed to fill out the dependency status questions on my FASFA form?[NEWLINE]agent: You can know what to expect after submitting your FAFSA form.[NEWLINE][BOUNDARY][NEWLINE]user: ok, anything else?
user: How can I tell the difference between a dependent student and an independent student?[NEWLINE]agent: Read the definitions, find out who has to provide parent information on the FAFSA form, and learn what to do if you aren't in contact with your parents.[NEWLINE][BOUNDARY][NEWLINE]user: What if my parents don't want to help me pay for college?[NEWLINE]agent: Well, you can't be considered independent of your parents just because they refuse to help you with this process.[NEWLINE]agent: Can't you provide their information on the FAFSA form?[NEWLINE]user: Yes, I can't. They refuse to give me all information that is needed.[NEWLINE]agent: In that case the application will be considered rejected, and you might not be able to receive any federal student aid. The most you would be able to get depending on what the financial aid office at your college decides would be a loan called an unsubsidized loan.[NEWLINE][BOUNDARY][NEWLINE]user: In relation to the need for parents to sign my FAFSA form, is there anything I can do if my parents will not give the required information on the form?[NEWLINE]agent: I will give you the process for filling out the FAFSA form online or on myStudentAid app[NEWLINE][BOUNDARY][NEWLINE]user: Could it be that the form's questions change each year? My friend attempted to assist me by showing me his form from the previous year, but some of the questions were different.[NEWLINE]agent: Yes, questions may change depending on the year. You'll find the questions that determine your dependency status on our website, first in a graphic format and then for 2020/21, specifically in a table of dependency status questions.[NEWLINE]user: Another concern about basic eligibility requirements. Could you elaborate on that information?
user: Can I be considered independent if my parents don't help me pay for college and refuse to provide information for my FAFSA?[NEWLINE]agent: You cannot be considered independent from your parents just because they refuse to help you with this process.[NEWLINE]user: What if I don't provide my information on the FAFSA?[NEWLINE]agent: the application will be considered rejected, and you may not be able to receive any federal student aid. The most you could get depending on what your college financial aid office decides would be a loan called an unsubsidized loan.[NEWLINE][BOUNDARY][NEWLINE]user: One other thing, about FAFSA application form,  what if I have a step mom?[NEWLINE]agent: Is your step mom married to the legal parent whose information you are reporting?[NEWLINE]user: No, they are not married.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: What do I do if my parents are unwilling to provide their information on the FAFSA form?[NEWLINE]agent: We can provide you with an explanation of what we consider special circumstances.[NEWLINE]user: What if I agree to my parents not supporting me?
user: I want info on loan consolidation to get out of a default[NEWLINE]agent: You can consolidate your defaulted federal student loan into a Direct Consolidation Loan. Loan consolidation allows you to pay off one or more federal student loans with a new consolidation loan[NEWLINE]agent: Are you looking to consolidate a defaulted federal student loan into a new Direct Consolidation Loan?[NEWLINE]user: I would like to do that[NEWLINE]agent: null[NEWLINE][BOUNDARY][NEWLINE]user: Can you tell me how do I apply for a repayment plan based on my income?[NEWLINE]agent: You have t submit an application which is known as the Income-Driven Repayment Plan Request form[NEWLINE][BOUNDARY][NEWLINE]user: Got it. Another question.  How do I apply for an income-driven repayment plan?t . so I need to make 3 payments before consolidating or how does that work?[NEWLINE]agent: You need the payments to consolidate then the required payment amount will be determined by your loan holder[NEWLINE][BOUNDARY][NEWLINE]user: What should I do if someone contacts me and wants to charge me fees to get my federal student loan out of default?[NEWLINE]agent: You should read our blog post called "Don't Be Fooled; You Never Have to Pay for Student Loan Help"[NEWLINE][BOUNDARY][NEWLINE]user: I'd like to know on what are the benefits I'll get after my defaulted loan has been consolidated?[NEWLINE]agent: Your Direct Consolidation Loan will be eligible for benefits such as deferment, forbearance, and loan forgiveness. You’ll also be eligible to receive additional federal student aid.[NEWLINE]user: so I can join two loans into one with this?[NEWLINE]agent: Loan consolidation allows you to pay off one or more federal student loans with a new consolidation loan[NEWLINE]agent: Did you want reconsolidate a defaulted Direct Consolidation Loan?[NEWLINE]user: yes
user: Can I get help with my defaulted student loan?[NEWLINE]agent: Do you need help with your defaulted loan?[NEWLINE]user: No, I have no idea who I should contact for my defaulted student loan help.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: Can you tell me what happens after my defaulted loan has been consolidated?[NEWLINE]agent: Actually, you Direct Consolidation Loan will be eligible for benefits such as deferment, forbearance, and possibily loan forgiveness and you could also be eligible for more federal student aid.[NEWLINE][BOUNDARY][NEWLINE]user: Hello there, that's probably what will happen. Could you please explain what a servicer is and what they can do for me?[NEWLINE]agent: Sure. As you probably know already, they are related to loans management, so in a formal way, they are companies that we assign to handle the billing and other services on your federal student loan on our behalf. That service is done without any cost for you.[NEWLINE][BOUNDARY][NEWLINE]user: Are you familiar with the William D. Ford Federal Direct Loan (Direct Loan) and Federal Family Education Loan (FFEL) programs? Can my loan holder's wage garnishments continue during loan rehabilitation?[NEWLINE]agent: Yes, wage garnishments or any involuntary payments could continue even after you have been making payments under the loan rehabilitation agreement but they will not be counted toward your mandatory nine payments.[NEWLINE][BOUNDARY][NEWLINE]user: Another question, if my loan is in a collection agency, what other costs could I incur? and do private collection agencies earn a commission from payments?[NEWLINE]agent: The private collection agencies earn a commission for any payments you make.[NEWLINE][BOUNDARY][NEWLINE]user: I'll just make a note to inquire about my federal student loan. What happens if I rehabilitate a loan that has been defaulted on?[NEWLINE]agent: Your default will be taken off your credit history; but your credit history from your late payments will still be on it.[NEWLINE][BOUNDARY][NEWLINE]user: Is there a particular plan I can repay my Direct Consolidation Loan?
user: I need to know what to do about my loan which I defaulted.[NEWLINE]agent: There are multiple options to get out of default.[NEWLINE]agent: Have you failed to make payments on your federal student loan?[NEWLINE]user: Not really.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE]user: Has COVID-19 impacted my loan repayment?[NEWLINE]agent: Yes the Collection Activity and Temporary 0 % Interest on your loan is in place as a result of the current COVID-19 pandemic.[NEWLINE]user: can you provide me with more information about the loan?[NEWLINE]agent: I recommend you contact your loan servicer for information on the subject.[NEWLINE][BOUNDARY][NEWLINE]agent: It is vitally important to avoid defaulting on payments to invite additional payments.[NEWLINE]user: Perfect, and what else can you tell me?[NEWLINE]agent: You can also read carefully to fully understand their loan agreement.[NEWLINE]user: What does it mean that the federal loan is delinquent?
user: what should I do if I'm in default on your federal student loan?[NEWLINE]agent: Don't get discouraged. You have multiple options to get out of default.[NEWLINE]agent: Are you in default?[NEWLINE]user: Right now no, but I could be soon.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE]user: Had the U.S. Department of Education ED stop collection activity during the COVID-19 national emergency?[NEWLINE]agent: Yes, the U.S. Department of Education ED has stopped collection activity on defaulted federally owned student loans and/or grant overpayments. In addition, interest is temporarily set at 0 % on defaulted federally owned student aid debt.[NEWLINE][BOUNDARY][NEWLINE]user: Good to Know! Another question related to the possibility of simplifying my payments with consolidation, when combining loans will I obtain better payment installments?[NEWLINE]agent: Yes, you can combine your multiple federal student loans into a single Direct Consolidation Loan to simplify repayment.[NEWLINE][BOUNDARY][NEWLINE]user: what can I do to avoid default?[NEWLINE]agent: You need to fully understand your loan agreement and the types of loans you are receiving. Don't borrow more than you need or more than you expect to be able to repay.[NEWLINE][BOUNDARY][NEWLINE]user: what happens after I miss a payment or two?
user: I could use help with a loan that is giving me problems[NEWLINE]agent: Do you need help with your defaulted loan?[NEWLINE]user: no I need more information on what I can do and such[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: how do I work on paying my defaulted Perkins loan?[NEWLINE]agent: You will need to make a full monthly payment each month, within 20 days of the due date, for nine consecutive months. Your required monthly payment amount is determined by your loan holder.[NEWLINE][BOUNDARY][NEWLINE]user: I was laid off last year and started a new job two months ago. Will my wages continue to be garnished?[NEWLINE]agent: This is definitely something that you should bring up at the hearing. Since you have been employed for less than 12 months after having previously been involuntarily separated from your employment, it may be ruled that your wages cannot be garnished at this time.[NEWLINE][BOUNDARY][NEWLINE]user: Sure.  I'll have to inquire about the Federal Perkins Loan Program now. Where can I get more details on this?[NEWLINE]agent: I can show you where to go for information about your Perkins Loan[NEWLINE][BOUNDARY][NEWLINE]user: Ok thanks for the warning,. something else I would like to have more understanding of loan transfers, could you help me?[NEWLINE]agent: Of course In some cases, we need to transfer loans from one administrator to another administrator.[NEWLINE][BOUNDARY][NEWLINE]user: If you're in default on a federal student loan, I just want to make sure you know I'm not discouraged. Should we choose our repayment plan for Direct Consolidation Loans?[NEWLINE]agent: Yes, if you make three voluntary, on-time, full monthly payments before consolidating, you can choose from any of the repayment plans available to Direct Consolidation Loan borrowers.[NEWLINE]user: can we get more help since COVID-19 is affecting so many people and our finances?
user: Are there options if I am in default on my federal student loans?[NEWLINE]agent: Yes, you have many options to help you get out of default on your federal student loans.[NEWLINE]agent: Have you failed to make your payments on your federal student loans?[NEWLINE]user: Yes, I have not made payments lately and are in default.[NEWLINE]agent: You can find out how to get out of default and not let your current consequences of default ruin your financial future.[NEWLINE]user: My loan amount is held by ED. what happens when the debt collector gets involved?[NEWLINE]agent: If your loan is placed with a collection agency, you will be responsible for costs incurred by your loan holder to get payment. These costs amount to 17.92% of your loan amount if your loan is held by ED. Other loan holders may charge a different amount.[NEWLINE][BOUNDARY][NEWLINE]user: Yes, of course. Now I have to inquire about Direct Consolidation Loan. After defaulted loans have been merged, what comes next?[NEWLINE]agent: Your Direct Consolidation Loan will be eligible for benefits such as deferment, forbearance, and loan forgiveness and you could receive additional financial aid; and the defaulted loan would still be on your record of credit history.[NEWLINE][BOUNDARY][NEWLINE]user: Very well. I would also like to know the loan transfer procedure, what will happen if my loan is transferred to another loan servicer?[NEWLINE]agent: You should receive an email or letter from your assigned servicer to tell you about the transfer.[NEWLINE][BOUNDARY][NEWLINE]user: Do you know about how long the mail or letter takes to arrive? What are the real benefits for me with loan rehabilitation?[NEWLINE]agent: Are you asking the benefits of when a student loan is in rehabilitation?[NEWLINE]user: Yes, that is what I want to know.[NEWLINE]agent: The default status will be removed from your loan and any garnishments will be stopped.[NEWLINE]user: Will eligibility for additional benefits be available for me again?
user: Hey there, I need to know a few things about loan consolidation.[NEWLINE]agent: Of course. Another option for getting out of default is to consolidate your defaulted federal student loan into a Direct Consolidation Loan. Loan consolidation allows you to pay off one or more federal student loans with a new consolidation loan.[NEWLINE]agent: Would you like to know how to consolidate a defaulted federal student loan into a new Direct Consolidation Loan?[NEWLINE]user: No, thank you.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: I'd like to know something else. What can you tell me about repayment in full?[NEWLINE]agent: Well, a third option for getting out of default is to repay the full amount of your defaulted student loan.[NEWLINE][BOUNDARY][NEWLINE]user: One more thing I may be able to switch payment plans to get a lower monthly payment, consider an income-based payment plan, change my payment due date, or get a deferral or forbearance.. ok I get it and can I simplify the refund with the consolidation?[NEWLINE]agent: Yes You may want to combine your multiple federal student loans into a single direct consolidation loan to simplify repayment. There may be trade-offs, so understand the advantages and potential disadvantages of consolidation before submitting the application[NEWLINE][BOUNDARY][NEWLINE]user: Loans, unlike most grants, scholarships or study and work funds, must be repaid under what conditions?[NEWLINE]agent: The first thing you should know is that before you owe from the Office of the Consumer Financial Protection is Read your promissory note.[NEWLINE]user: and what is your promissory note?
user: Hello there. What can you tell me about repaying the loan in full?[NEWLINE]agent: Well, a third option for getting out of default is to repay the full amount of your defaulted student loan.[NEWLINE]user: What if I don't have my loan holders contact information to make a payment?[NEWLINE]agent: Simply log in and select "view loan servicer details".[NEWLINE][BOUNDARY][NEWLINE]user: How can I get help with my defaulted loan?[NEWLINE]agent: Do you need help with your defaulted loan?[NEWLINE]user: Yes, I do.[NEWLINE]agent: Then you will need to contact the holder of your defaulted loan. Find out who holds your loan by logging in and selecting "view loan servicer details". Remember: StudentAid.gov does not include information about any private student loans you may have received.[NEWLINE][BOUNDARY][NEWLINE]user: Another question related to ED, how can I step aside the garnishment of 15% of my disposable pay?[NEWLINE]agent: You can negotiate repayment terms acceptable to ED or the private collection agent and ensure that ED receives the first payment no later than 30 days from the day the garnishment notice was sent.[NEWLINE][BOUNDARY][NEWLINE]user: cool. Can you tell me more about what should I do if I'm contacted by anyone that's not the Default Resolution Group about fees for getting my student loan out of default?
user: I wanted to look into consolidating my school loans[NEWLINE]agent: A good way of getting out of default is to consolidate your defaulted federal student loan into a Direct Consolidation Loan. It allows you to pay off one or more federal student loans with a new consolidation loan.[NEWLINE]user: What do I need to do to consolidate?[NEWLINE]agent: There a few ways to get started[NEWLINE][BOUNDARY][NEWLINE]user: OK thank you. I would also like to find out the default on a Loan. any advice you could have used before getting the loan?[NEWLINE]agent: You should fully understand your loan agreement and the type of loan you are receiving[NEWLINE][BOUNDARY][NEWLINE]user: can I combine loans to get better payments?[NEWLINE]agent: Yes, you can combine your multiple federal student loans into a single Direct Consolidation Loan to simplify repayment.[NEWLINE][BOUNDARY][NEWLINE]user: what can I do to avoid default?[NEWLINE]agent: You need to fully understand your loan agreement and the types of loans you are receiving. Don't borrow more than you need or more than you expect to be able to repay.[NEWLINE][BOUNDARY][NEWLINE]user: what happens after I miss a payment or two?
user: can I get a loan if I'm poor?[NEWLINE]agent: You probably can, students may be eligible to receive subsidized and unsubsidized loans based on their financial need.[NEWLINE][BOUNDARY][NEWLINE]user: what are important dates I should know?[NEWLINE]agent: Loans first disbursed prior to Oct. 1, 2017, have different loan fees[NEWLINE][BOUNDARY][NEWLINE]user: I'd really like to learn more about financial aid. Is my state government willing to help?[NEWLINE]agent: Yes, aid could be available through the state government.[NEWLINE][BOUNDARY][NEWLINE]user: What can you tell me about grants?[NEWLINE]agent: The share link will explain that a grant is a form of financial aid that will never have to be paid back unless you withdraw from school and owe a refund.[NEWLINE][BOUNDARY][NEWLINE]user: What types of loans are there?[NEWLINE]agent: The share link will be able to help you with loans that are considered student loans and will tell you that they have to be paid back.[NEWLINE]agent: Did you know that you have to pay back a student loan along with interest?
user: What types of low cost loans does the US Department of Education offer to students to help cover cost of college?[NEWLINE]agent: The US Department of Education offers students subsidized and unsubsidized loans based on their financial need if they are eligible.[NEWLINE][BOUNDARY][NEWLINE]user: Who pays the interest on a Direct Subsidized Loan?[NEWLINE]agent: Actually the U.S Department of Education pays the interest on a Direct Subsidized Loan.[NEWLINE][BOUNDARY][NEWLINE]user: Is it ever possible for me to cancel a loan because I decided I do not 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: Do you also know about federal student loans? Won't the interest be much high?[NEWLINE]agent: If you show financial need, the government pays the interest on some loans while you are in school and during some periods after school.[NEWLINE]user: so I should go for it?[NEWLINE]agent: Don't be afraid to take out federal student loans, but you should be smart about it.[NEWLINE][BOUNDARY][NEWLINE]user: How do I do this then?[NEWLINE]agent: Do you want to apply for a federal student loan?
user: how can I get a low-interest loan to help cover the cost of college?[NEWLINE]agent: Students may be eligible to receive subsidized and unsubsidized loans based on their financial need.[NEWLINE][BOUNDARY][NEWLINE]user: how can I be eligible?[NEWLINE]agent: If the total loan amount you receive over the course of your education reaches the aggregate loan limit, you are not eligible to receive additional loans. However, if you repay some of your loans to bring your outstanding loan debt below the aggregate loan limit,  you could then borrow again, up to the amount of your remaining eligibility under the aggregate loan limit.[NEWLINE][BOUNDARY][NEWLINE]user: What happens if I received a Direct Subsidized Loan that was first disbursed on February 15, 2014?[NEWLINE]agent: you will be responsible for paying any interest that accrues during your grace period.[NEWLINE][BOUNDARY][NEWLINE]user: Are you aware of the Federal Student Aid Video? On your website, I'm having trouble watching the Federal Student Aid Video. So, what do I do now?[NEWLINE]agent: Try clicking on the link that says, "view accessible version".[NEWLINE][BOUNDARY][NEWLINE]user: Thank you. The link worked. What about scholarships?[NEWLINE]agent: There should be information about scholarships in the video.[NEWLINE][BOUNDARY][NEWLINE]user: Does financial aid work for career schools, as well?
user: Have a good day. I been searching information about the loans how they help students.[NEWLINE]agent: Sure, this s avery important part for students this days. Students may be eligible to receive subsidized and unsubsidized loans based on their financial needs.[NEWLINE]user: And what are this loans?[NEWLINE]agent: The loans in both forms, are federal aid to help students to cover cost of higher education at a four year college or university, community college, or trade, career or technical school.[NEWLINE]user: Okay. Now, about these federal school loans for students, how the loans will help me with my school?[NEWLINE]agent: Well... Is very likely that your school will likely include the student loans as part of your financial aid package.[NEWLINE][BOUNDARY][NEWLINE]user: I see, that's would be very nice. But how do I get a federal loan?[NEWLINE]agent: To get a federal loan you must first complete the free application for federal student aid fafsa form.[NEWLINE][BOUNDARY][NEWLINE]user: So, it's much better if I go with a federal loan?[NEWLINE]agent: Yes, because are much easier to get.[NEWLINE][BOUNDARY][NEWLINE]user: But, which are the differences of one and another?