elplaguister/DTS_session_datasets huggingface dataset:
user: Is it possible to submit a complaint about how my college is administering my financial aid?[NEWLINE]agent: Do you actually think your school is not administering federal student aid funds right?[NEWLINE]user: Yes, I believe they are not handling federal student aid correctly.[NEWLINE]agent: I have some info that could help you determine how to solve the problem or submit a complaint.[NEWLINE]user: What if I believe they have violated its own policy or federal regulations in its administration of the federal aid program.[NEWLINE]agent: You would have to contact your school first.[NEWLINE]user: I believe my school calculated my eligibility for federal student grants, loans, aid incorrectly, what should I do?[NEWLINE]agent: Do you think your school paid out your aid incorrectly or not at all or the wrong amount?[NEWLINE]user: No they did something else.[NEWLINE]agent: Does your school not have a financial aid administrator yet, doesn't have policies for administering federal student aid, or is not following the policies?[NEWLINE]user: No, they have an administrator and have policies.[NEWLINE]agent: Has your school made false statements about the educational programs, financial charges, or employability of graduates?[NEWLINE]user: No, that is not the case.
user: I have some suspicions on how my college is using my student aid. What can I do about it?[NEWLINE]agent: Do you think your school is not administering federal student aid funds properly?[NEWLINE]user: That's what I think, yes.[NEWLINE]agent: I can give you some information to help you solve your problem or file a complaint. First, you should contact your schooll and try to solve your doubts with them and if you still think that the funds are not being used correctly then contact the Federal Student Aid Feedback Center or call 1-844-651-0077[NEWLINE][BOUNDARY][NEWLINE]user: Ok, thanks. Now, what if I'm called to serve actively in the military, can I get a deferment of my federal loan?[NEWLINE]agent: Yes, you'll qualify for deferment of repayment on any of your federal loans if that happens.[NEWLINE][BOUNDARY][NEWLINE]user: cool. Going back to my previous question. If I think I'm not getting the correct amount from the federal aid, should I contact my college or the Federal Student Aid Feedback Center?[NEWLINE]agent: You should try to resolve the problem with your college first.[NEWLINE][BOUNDARY][NEWLINE]user: Who can access the military aid for college school?[NEWLINE]agent: This aid is intended for veterans, future military personnel, active-duty personnel, or anybody related to veterans or active-duty personnel.[NEWLINE][BOUNDARY][NEWLINE]user: Now, about the grant funds. What if I'm not eligible for the Federal Pell Grants?
user: how do I file a complaint on my school's financial aid office?[NEWLINE]agent: Do you believe your school is not administering federal student aid funds properly?[NEWLINE]user: no, not overall maybe they are but I think they messed my aid up[NEWLINE]user: what if I think they may have given some of my aid to someone else?[NEWLINE]agent: I can link you to a page where you can Learn about identity theft and how to report it to our Office of Inspector General Hotline[NEWLINE]user: can I just file a complaint because they didn't follow policy and they messed up what I should be getting?[NEWLINE]agent: Yes, you can submit a complaint if you feel that your school calculated your eligibility for federal student grants, loans, or work-study incorrectly[NEWLINE]user: am I right to assume I am dealing with the school when they give out aid or is it run by the federal government?[NEWLINE]agent: Your college or career school not the U.S. Department of Education will distribute your financial aid.[NEWLINE][BOUNDARY][NEWLINE]user: Do you also have info on how to apply for army ROTC scholarships?
user: My Dad was in the military. I need to know if this qualifies me for any kind of financial aid for college.[NEWLINE]agent: For military families, scholarships and loan repayment assistance are available to you from several sources.[NEWLINE][BOUNDARY][NEWLINE]user: Where can I submit a complaint about ow my college is using my financial aid?[NEWLINE]agent: I can provide you with some information that may help you solve your problem or submit a complaint.[NEWLINE][BOUNDARY][NEWLINE]user: Thank you. Does Paralyzed Veterans of America offer any scholarships to military families?[NEWLINE]agent: Yes, they do.[NEWLINE][BOUNDARY][NEWLINE]user: What other kind of financial aid does the government provide for military families?[NEWLINE]agent: I can give you information on a few sources of financial aid that you can consider, but I also suggest that you check out todaysmilitary.com. You will find a list of education benefits.[NEWLINE][BOUNDARY][NEWLINE]agent: What are Reserve Officers Training Corps Scholarships?[NEWLINE]user: Yes, I would like to know more about these scholarships.[NEWLINE]agent: Great. Unlike some other military scholarships, the ROTC Scholarships are based on merit instead of financial need.[NEWLINE][BOUNDARY][NEWLINE]user: Now, about my complaint. Should I file it?
user: tell me about tax benefits for school purposes[NEWLINE]agent: Tax benefits can be used to get back some of the money you spend on tuition or loan interest or to maximize your college savings.[NEWLINE][BOUNDARY][NEWLINE]user: how much can I claim on the lifetime learning credit?[NEWLINE]agent: It allows you to claim up to $2,000 per student per year for tuition and fees, as well as for books, supplies, and equipment that were required for the course and had to be purchased from the school.[NEWLINE]user: is that for the lifetime learning credit?[NEWLINE]agent: Yes[NEWLINE][BOUNDARY][NEWLINE]user: what can you tell me about savings through the Coverdell savings?[NEWLINE]agent: The Coverdell Education Savings Account  allows up to $2,000 a year to be put aside for a student’s education expenses.[NEWLINE][BOUNDARY][NEWLINE]user: what other tax credits do you have?[NEWLINE]agent: Two tax credits help offset the costs of college by reducing the amount of your income tax; The American Opportunity Credit  and The Lifetime Learning Credit.[NEWLINE]agent: Do you file a tax return?[NEWLINE]user: I don't file
user: I could use some tax benefits help[NEWLINE]agent: Okay, tax benefits can be used to get back some of the money you spend on tuition or loan interest or to maximize your college savings.[NEWLINE][BOUNDARY][NEWLINE]user: how do they help me?[NEWLINE]agent: They help offset the costs of college by reducing the amount of your income tax.[NEWLINE]agent: Did you miss filing a tax return this year?[NEWLINE]user: no I filed[NEWLINE]user: can you give me an example of one of these credits?[NEWLINE]agent: Okay, The Lifetime Learning Credit allows you to claim up to $2,000 per student per year for any college or career school tuition and fees, as well as for books, supplies, and equipment that were required for the course and had to be purchased from the school.[NEWLINE]user: are there others?[NEWLINE]agent: There is the American Opportunity Credit which allows you to claim up to $2,500 per student per year for the first four years of school as the student works toward a degree or similar credential.[NEWLINE][BOUNDARY][NEWLINE]user: what does the coverdell savings account do for me?
user: how can tax benefits help me?[NEWLINE]agent: They help you by getting you back some of the money you spend on tuition or loan interest or they can maximize your college savings.[NEWLINE][BOUNDARY][NEWLINE]user: what is the most I can claim as a credit?[NEWLINE]agent: The American Opportunity Credit allows you to claim up to $2,500 per student per year for the first four years of school.[NEWLINE]user: how many of these types of credits are there?[NEWLINE]agent: There are two tax credits that help offset the costs of college by reducing the amount of your income tax.[NEWLINE]agent: Do you normally file a tax return?[NEWLINE]user: yes, but not every year[NEWLINE]agent: Even if you normally wouldn’t file a tax return because of your income level, you should still do it, so you don't miss out on tax credits.[NEWLINE]user: what is the other tax credit besides the one you already told me about?[NEWLINE]agent: There is also the Lifetime Learning Credit which allows you to claim up to $2,000 per student per year.[NEWLINE][BOUNDARY][NEWLINE]user: are there any of those prepay programs that gives us tax benefits?
user: Hi there. I'm looking information related to economic aid for college students.[NEWLINE]agent: Great. Well, yes, it is possible to get aids for your college studies, for tuition and maximize your college savings.[NEWLINE][BOUNDARY][NEWLINE]user: This tuition programs, do you bring help about it?[NEWLINE]agent: Yes, you can always ask to the financial aid office or admissions staff about this topic.[NEWLINE][BOUNDARY][NEWLINE]user: There are any kind of tax help for college students?[NEWLINE]agent: Yes,  there are tax credits, which can help you to get access to tuitions, books, supplies and equipment for college or career school, this also will help you to reduce the amount of your income taxes.[NEWLINE]agent: Have you ever filled a tax return form? This may help you.[NEWLINE]user: No, I haven't, but I'll have it present in the future.[NEWLINE]user: Alright, thanks. But how much money this help brings for students?[NEWLINE]agent: The lifetime learning credit allows you to claim up to $2,000 per student per year for any kind of education and the equipment you may need.[NEWLINE]user: This is the only amount of money that students receive?
user: Are there any tax benefits that I can avail of when paying for education?[NEWLINE]agent: Yes there are, you can earn tax benefits to get back some of the money you have spent on education, which will maximize your college savings[NEWLINE][BOUNDARY][NEWLINE]user: Where can I find more information on Qualified Tuition Programs?[NEWLINE]agent: The best advice is to contact the financial aid or admissions staff at your school, they can help you with all of this[NEWLINE][BOUNDARY][NEWLINE]user: I am interested in the Student Loan Interest Deduction scheme, can you give me further information about this please?[NEWLINE]agent: If you took out a student loan for yourself, your spouse or your dependent, you can avail of a tax deduction for any interest that was paid on these loans. This tax benefit applied to all loans that were taken out for education, not just federal student loans. The maximum deduction that you can avail of is $2,500 per year[NEWLINE][BOUNDARY][NEWLINE]user: Can you give me some more information on tax credits that are available for higher education expenses?[NEWLINE]agent: There are currently two types of tax credits available. Thes credits offset the costs of tuition, fees, books, supplies or equipment which ultimately reduces the amount of income tax that you pay[NEWLINE]agent: Do you normally file an annual personal tax return?[NEWLINE]user: No, I have never done so up until now[NEWLINE][BOUNDARY][NEWLINE]user: Is it possible to withdraw from an IRA to help with college costs?
user: Is it true the IRS provides tax benefits for education?[NEWLINE]agent: Yes and the tax benefits could be used to get back some money you spent on tuition or loan interest.[NEWLINE][BOUNDARY][NEWLINE]user: What are Qualified Tuition Programs?[NEWLINE]agent: A QTP or 529 Plan is established by a state or school so you are able to prepay or save up to pay for your education related expenses and once withdrawn for school it will not be taxed.[NEWLINE]user: How will I know if my college I plan on going to takes part in the QTP?[NEWLINE]agent: Just ask your financial aid office or admission staff.[NEWLINE][BOUNDARY][NEWLINE]user: What exactly is a Coverdell Education Savings Account?[NEWLINE]agent: A Coverdell Education Savings Account lets you save up to $2,000 a year for student education expenses for elementary, secondary, or college.[NEWLINE][BOUNDARY][NEWLINE]user: Are there any tax credits for higher education expenses?[NEWLINE]agent: Yes, two tax credits are available to help with the costs of tuition, fees, books, supplies, or equipment of college.[NEWLINE]agent: Do you not file a tax return?
user: I want to know about tax benefits and school costs[NEWLINE]agent: Tax benefits can be used to get back some of the money you spend on tuition[NEWLINE][BOUNDARY][NEWLINE]user: do you have anything about a savings plan for school?[NEWLINE]agent: Yes, I can help you learn more about state 529 plans[NEWLINE]user: do all schools participate in this?[NEWLINE]agent: To find out if the school you plan to attend participates in a 529 plan you can ask the financial aid or admissions staff.[NEWLINE][BOUNDARY][NEWLINE]user: are there any tax credits?[NEWLINE]agent: There are two tax credits that help with the costs of college by reducing the amount of your income tax[NEWLINE]agent: Did you miss filing a tax return?[NEWLINE]user: no I did file[NEWLINE]user: what's the most I can get as a tax credit?
user: tell me about college tax benefits[NEWLINE]agent: Tax benefits can be used to get back some of the money you spend on college.[NEWLINE][BOUNDARY][NEWLINE]user: tax credits?[NEWLINE]agent: Tax credits is one way to offset the costs of college or career school by lowering the amount of your income tax.[NEWLINE]agent: null[NEWLINE]user: no[NEWLINE]user: what's one way to use a tax credit?[NEWLINE]agent: You can use the American Opportunity Credit it allows you to claim up to $2,500 per student per year for the first four years of school as you work toward a degree.[NEWLINE][BOUNDARY][NEWLINE]user: is there a savings program?[NEWLINE]agent: You will need to ask the financial aid office whether the college you plan to attend participates in one of these programs.[NEWLINE][BOUNDARY][NEWLINE]user: any tax deductions to help?
user: what will the time it takes to repay a loan look like?[NEWLINE]agent: Payments are fixed and made for up to 10 years or between 10 and 30 years for consolidation loans.[NEWLINE]agent: Would you like to know how this benefits you?[NEWLINE]user: no just wanted to know how long it takes[NEWLINE][BOUNDARY][NEWLINE]user: what loans are eligible for the standard repayment plan?[NEWLINE]agent: Several loans from the Direct Loan Program and the FFEL Program are eligible for the Standard Repayment Plan[NEWLINE][BOUNDARY][NEWLINE]user: do we get to choose a payment plan?[NEWLINE]agent: You have the option to choose a repayment plan. If you don’t choose a repayment plan your loan servicer places you on the Standard Repayment Plan.[NEWLINE]user: should I just let them leave me on the standard plan?[NEWLINE]agent: The Standard Repayment Plan saves you money over time because your monthly payments may be slightly higher than payments made under other plans, but you will pay off your loan sooner. You end up paying the least amount of interest over the life of your loan.[NEWLINE][BOUNDARY][NEWLINE]user: can I use other loans to have you look at when you work out the repayments on a Direct Consolidation Loan?
user: hi[NEWLINE]agent: hi[NEWLINE]agent: hi[NEWLINE]user: hi[NEWLINE]agent: hi[NEWLINE]user: hi[NEWLINE]agent: hi[NEWLINE][BOUNDARY][NEWLINE]user: hi[NEWLINE]agent: hi[NEWLINE][BOUNDARY][NEWLINE]user: hi[NEWLINE]agent: hi[NEWLINE]user: I see, that very wide then. May I ask if other student loans can be included here?
user: Hi, I am looking for more information regarding the Standard Repayment Plan that is available through the FSA?[NEWLINE]agent: For your information, payments in a Standard Repayment Plan are fixed and are made for up to 10 years, repayments can be made between 10 and 30 years for any consolidated loans[NEWLINE]agent: Are you looking for the repayment plan that will ensure that you pay the least amount of interest over the lifetime of the borrowing?[NEWLINE]user: Yes, that would certainly be my intention[NEWLINE]agent: With the Standard Repayment Plan, you will pay the least amount of interest over the life of the loan[NEWLINE][BOUNDARY][NEWLINE]user: What are the guidelines around monthly payments for consolidated loans?[NEWLINE]agent: There are rules and regulations that must be followed that I can go through with you now if you would like?[NEWLINE]user: What if I have a Direct Consolidated Loan or FFEL Consolidated Loan?[NEWLINE]agent: In this instance, the length of the repayment period will depend on the amount of borrowing that is outstanding, known as your total education loan indebtedness, this debt includes any student loan debt you may have that is joined to your consolidation loan[NEWLINE]user: What is included in borrowing that is not part of a Consolidation Loan?[NEWLINE]agent: This would include any federal loan that you would have that is not included in the consolidation loan, or any private student loan that you may have availed of[NEWLINE][BOUNDARY][NEWLINE]user: What are the terms of the Federal Education Loan, with the exception of consolidation loans?
user: I need some help understanding the Standard Repayment Plan.[NEWLINE]agent: The Standard Repayment Plan is a basic repayment plan where payments are fixed and made for no longer than 10 years.[NEWLINE]agent: Would you like to know more about this plan?[NEWLINE]user: Yes, that would be very helpful.[NEWLINE]agent: The Standard Repayment Plan gives you the benefit of paying off your loans in a shorter amount of time, so that you pay the least amount of interest on your loan.[NEWLINE][BOUNDARY][NEWLINE]user: Are Direct Subsidized Loans eligible for the repayment plan?[NEWLINE]agent: Yes, they are.[NEWLINE][BOUNDARY][NEWLINE]user: Will my monthly payments be higher than my current loan payments?[NEWLINE]agent: Yes, you will see a slight increase in your monthly payments. However, this allows you to pay off your loan faster.[NEWLINE]user: How else can a Standard Repayment Plan benefit me?[NEWLINE]agent: As I've mentioned before, your payments will be slightly higher, but you end up paying less interest. This will allow you to save money in the long run.[NEWLINE][BOUNDARY][NEWLINE]user: How does the plan work with consolidation loans?
user: I need to find out what exactly is the Standard Repayment Plan that is available through the FSA?[NEWLINE]agent: Under the Standard Repayment Plan, the payments to your loan are fixed and are made for up to 10 years, and can be made between 10 and 30 years for consolidation loans[NEWLINE]agent: Are you looking for the cheapest option that is available in relation to repayments of your student loan?[NEWLINE]user: I haven't studied it fully so far, but was just looking for general information at present[NEWLINE][BOUNDARY][NEWLINE]user: How do monthly payments on Consolidation Loans work?[NEWLINE]agent: There are certain rules and conditions that must be met when making monthly payments to a Consolidated Loan[NEWLINE]agent: Do you have a Direct Consolidation Loan or an FFEL Consolidation Loan?[NEWLINE]user: No, I have neither at the moment[NEWLINE][BOUNDARY][NEWLINE]user: What are the advantages of the Standard Repayment Plan when repaying a Federal Direct Loan or FFEL Program Loan?
user: tyufffdgh[NEWLINE]agent: Sure, no problem. You need to know that the payments of the loans are fixed and made for up to 10 years and for 10 an 30 years for consolidation loans.[NEWLINE]agent: Are you already paying or about to start paying your loan?[NEWLINE]user: Yes, that's right, I'm about to, but I would like to know the condition of the payments, specially the timing.[NEWLINE]agent: Alright. Well, talking about the interest you will pay, this will be the least amount of interest over the life of your loan.[NEWLINE]user: And how this will help me?[NEWLINE]agent: We can offer you a repayment plan that will help you save money over time because your monthly payments may be slightly higher than payments under other plans, this will make you pay it faster.[NEWLINE]user: But I will be able to choose a repayment plan?[NEWLINE]agent: Yes, that's right.[NEWLINE]user: And how much I will have to pay?[NEWLINE]agent: you will pay the least amount of interest over the life of your plan.[NEWLINE][BOUNDARY][NEWLINE]user: And what is the monthly plan?
user: Good afternooon. I would like to know more about repayment plans for loans on certain federal programs, please.[NEWLINE]agent: No problem. The basic information about it, is that you have the standard repayment plan where payments are fixed and made for up to 10 years between 10 and 30 years for those loans which are in consolidation.[NEWLINE]agent: Do you know why's that?[NEWLINE]user: Yeah, I know. I read somewhere that this action will allow me to pay the least amount of interest in my loan, is that right?[NEWLINE]agent: That's correct. You are very well informed.[NEWLINE][BOUNDARY][NEWLINE]user: Is the same for those Direct Consolidation or FEEL Consolidation loans?[NEWLINE]agent: Not quite. In those cases, the length of your repayment period will be determined depending on the amount of your total education loan indebtedness. That includes the amount of your consolidation loan and your other student loan debt.[NEWLINE][BOUNDARY][NEWLINE]user: Oh, i see. Kind of complicated, huh?. Oh, well. Say, whenever i get a loan, i can choose how i want to repay it, right?[NEWLINE]agent: Certainly, you can. You have options for doing the choosing when is time to repay your loan. That's when you make use of the plans.[NEWLINE][BOUNDARY][NEWLINE]user: SO, lets say i go for these plans under the standard repayment thing, What do i get there?[NEWLINE]agent: To be more specific there, your payments by the month would be in a fixed amount of at least $50 each month and made for up to 10 years for all loan types. However, Direct Consolidation and FEEL Consolidation loans are excepted.[NEWLINE][BOUNDARY][NEWLINE]user: Then, to check sure this. I'll save money for abiding this standard plan, I'm right?
user: Hi There. I have been looking information about something called standard plan.[NEWLINE]agent: Sure, no problem. The standard repayment plan is the basic repayment plan there is.[NEWLINE]agent: Are you looking information about how are fixed the payments?[NEWLINE]user: Yes, I'm looking information about that too.[NEWLINE]agent: Great! You need to know that the payments are fixed and made up to be for up 10 years and even 30 years, paying the less amount of interest over the the life of your loan.[NEWLINE][BOUNDARY][NEWLINE]user: Oh, That's great. But how much do I have to pay for that?[NEWLINE]agent: For this plans you will hay to pay at least $50 every month for 10 years for all loans.[NEWLINE][BOUNDARY][NEWLINE]user: That sounds fair. But How I can know if I have the chance to get one of this loans?[NEWLINE]agent: You can use the loan simulator to estimate your eligibility and choose the loan repayment plan that better suits you.[NEWLINE][BOUNDARY][NEWLINE]user: This is for all the loans?[NEWLINE]agent: Yes, it is, except for the direct consolidation loans and feel consolidation loans.[NEWLINE][BOUNDARY][NEWLINE]user: I see, so if I take one of those I have to pay much more?
user: tell me about payments on the repayment plan[NEWLINE]agent: Payments will be fixed and made for up to 10 years, or between 10 and 30 years for consolidation loans.[NEWLINE]agent: null[NEWLINE]user: no[NEWLINE][BOUNDARY][NEWLINE]user: can I do a standard repayment plan on a ffel plus loan?[NEWLINE]agent: Yes, the FFEL PLUS loan is eligible for the Standard Repayment Plan.[NEWLINE]user: what about direct subsidized loans?[NEWLINE]agent: Yes, they are eligible[NEWLINE][BOUNDARY][NEWLINE]user: how do I report school loans I want taken into consideration when my repayment period is worked out for a direct consolidation loan?[NEWLINE]agent: You need to list those loans on your consolidation application in the section for listing loans that you do not want to consolidate, but want to be considered in the determination of your repayment period.[NEWLINE]user: what kind of loans can I list on there?