elplaguister/DTS_session_datasets huggingface dataset:
user: Hello, I would like to know what a school aid offer is[NEWLINE]agent: have you applied to various schools?[NEWLINE]user: yes[NEWLINE]agent: if so be sure to compare the help offers to see which school will be the most affordable.[NEWLINE]user: and could it happen that you receive an offer of provisional help from a school and then find out what changes later?[NEWLINE]agent: Yes, this could happen for a variety of reasons, such as if you indicated that you plan to live on campus when you submitted your FAFSA but then decided to live off campus or if you are selected for verification.[NEWLINE]user: and the aid can vary?[NEWLINE]agent: Because your financial aid package is created for you and is based on the cost of attending a particular school, your aid amounts will vary from school to school.[NEWLINE][BOUNDARY][NEWLINE]user: and how can i calculate the net price?[NEWLINE]agent: Follow these simple steps to calculate your net price, or net cost, for each school, and find out which school will be most accessible to you.[NEWLINE]user: and do you have to include the prices?
user: I got an award letter, now what[NEWLINE]agent: Have you applied to several schools?[NEWLINE]user: just one[NEWLINE][BOUNDARY][NEWLINE]user: where can I go for help with my aid offer?[NEWLINE]agent: You can contact the financial aid office at the school. It is important that you understand what you're being offered.[NEWLINE]user: How can I figure out costs?[NEWLINE]agent: You can find the cost of attendance for your program on the aid offer[NEWLINE]user: what if I will need more help by taking out a loan to help pay for costs?[NEWLINE]agent: If you need to do that you should pay special attention to the terms and conditions of the private loans so you understand what your obligations would be[NEWLINE][BOUNDARY][NEWLINE]user: can my aid offer change later on?
user: Can I get a discharge of my student loan?[NEWLINE]agent: You could if you are eligible due to an unpaid refund by your school after you withdraw from school.[NEWLINE]agent:  Did you withdraw from school after receiving a direct federal loan or an FFEL Program loan?[NEWLINE]user: I did, yes.[NEWLINE]agent: Then your school may have been required under federal regulations to return some or all of the loan money to your servicer, if they didn't then you may be eligible for a discharge of your loan.[NEWLINE]user: How much of mu loan could be discharged?[NEWLINE]agent: Just the portion that your school failed to return.[NEWLINE][BOUNDARY][NEWLINE]user: Just that?[NEWLINE]agent: Yes, as I said, only the portion of the loan that the school failed to return is eligible for a discharge. You can contact your loan servicer for more information.[NEWLINE][BOUNDARY][NEWLINE]user: So, how can I apply for an unpaid refund discharge? My school it' still operating.[NEWLINE]agent: First, you should contact your school to try and resolve the issue with them before applying for an unpaid refund discharge.[NEWLINE]user: And what could I do in case the school is suddenly closed down?
user: What can I do with my loan if a withdraw from my school?[NEWLINE]agent: You can opt for an unpaid refund discharge if your case is eligible for it.[NEWLINE]agent: Did you withdraw from school after receiving your federal student loan?[NEWLINE]user: No, but I'm thinking about it.[NEWLINE]agent: If you do then do you think your school could fail to return the loan funds to your loan servicer?[NEWLINE]user: I think it could happen, yes.[NEWLINE]agent: In that case, you can be eligible for a discharge of your loan, but only the portion that the school fails to return.[NEWLINE][BOUNDARY][NEWLINE]user: And for parents, in the case of a Direct PLUS Loan, can their loan be discharged as well?[NEWLINE]agent: The same applies to parents with a Direct PLUS loan. If their child withdraws from school and the school fails to return the parent PLUS loan funds then the portion that it's failed to be returned would be withdrawn from the loan.[NEWLINE]agent: Are you a parent of a student in that situation?[NEWLINE]user:  Well, not me but my parents, yes.
user: Is it possible to be eligible for a discharge if my loan servicer did not make the required return of loan funds to the loan servicer when I withdrew from school?[NEWLINE]agent: Yes, you can learn more about the unpaid refund discharge to see if you qualify or not.[NEWLINE]agent: Did you withdraw from school after receiving a loan made under the William D. Ford Federal Direct Loan Program or Federal Family Education Loan?[NEWLINE]user: Yes, I withdrew after receiving the William D. Ford Federal Direct Loan Program loan.[NEWLINE]agent: Then the school would have been required under federal regulations to return some or all of the loan money to your loan servicer.[NEWLINE]user: Will the discharge be for the whole amount?[NEWLINE]agent: The discharge would be for the portion of the loan that the school did not return.[NEWLINE][BOUNDARY][NEWLINE]user: How do I apply for an unpaid refund dischargeif the school is still open?[NEWLINE]agent: You should be able to contact the school and attempt to resolve the problem with them before applying for an unpaid refund.[NEWLINE][BOUNDARY][NEWLINE]user: What if I am parent who received a Direct PLUS Loan to help pay for my child's education, will my loan be discharged due to unpaid refund?[NEWLINE]agent: Actually, yes, the amount the school should have returned will be discharged.[NEWLINE]user: What will happen if my child withdrew from school but the school never made a return of the parent PLUS loan funds?
user: I need info on a loan for a school I dropped out of[NEWLINE]agent: Okay, we can help you learn more about the unpaid refund discharge to see whether you might qualify[NEWLINE]agent: Did you withdraw from school after receiving a loan made under the William D. Ford Federal Direct Loan Direct Loan Program or Federal Family Education Loan  Program?[NEWLINE]user: yes[NEWLINE]agent: The school may have been required under federal regulations to return some or all of the loan money to your loan servicer[NEWLINE]user: What if the school didn't return anything after I left?[NEWLINE]agent: You could be eligible for a discharge of the portion of your loan that the school failed to return[NEWLINE][BOUNDARY][NEWLINE]user: what do I do to see about that discharge for the loan?[NEWLINE]agent: You will need to complete the Loan Discharge Application: Unpaid Refund,  and send the completed form to your loan servicer[NEWLINE][BOUNDARY][NEWLINE]user: is the discharge the same if you are the parent and you got the loan?[NEWLINE]agent: Yes,  the amount of the loan that the school should have returned will be discharged. You can contact your loan servicer for more information.[NEWLINE][BOUNDARY][NEWLINE]user: can I just go to the school and ask for the loan back?
user: Hello, I need help, I recently left school and the school did not make the required repayment of the loan funds, how do I do?[NEWLINE]agent: First, it's important that you get more information about the unpaid rebate registration to see if you can qualify.[NEWLINE]agent: dropped out of school after receiving a loan from the Loan Program?[NEWLINE]user: Right[NEWLINE]agent: in that case the school may have been required by federal regulations to return some or all of the loan money to your loan servicer.[NEWLINE]user: and i could be eligible?[NEWLINE]agent: Of course you may be eligible for a discharge of the part of your loan that the school was unable to repay.[NEWLINE][BOUNDARY][NEWLINE]user: and another question whether a parent who received a Direct PLUS Loan to help pay for their child's education. Can my loan be canceled due to an unpaid refund?...[NEWLINE]agent: Yes, the loan amount that the school should have repaid will be canceled. Contact your loan servicer for more information.[NEWLINE]user: Is that only in cases where the child dropped out of school but the school did not make the required repayment of the parent's PLUS loan funds?[NEWLINE]agent: that is correct, the loan amount that the school should have repaid will be canceled.[NEWLINE][BOUNDARY][NEWLINE]user: ok, so i want to request the download of the refund without paying, what do i do?
user: I need to know if I'm eligible for a discharge of my federal student loans.[NEWLINE]agent: I'll be happy to help you find out if you qualify for the unpaid refund discharge.[NEWLINE]user: Thank you. I've withdrawn from school and I received my loan under the FFEL Program. Do I qualify?[NEWLINE]agent: In this case, your school may be required to return part or all of your loan money to the loan servicer.[NEWLINE]user: What if my school failed to return the loan funds after I withdrew?[NEWLINE]agent: This may make you eligible for a discharge of the loan money that your school failed to return.[NEWLINE][BOUNDARY][NEWLINE]user: What if my parents received a Direct PLUS loan for my education? Does the loan still qualify?[NEWLINE]agent: yes. If your school did not return the loan money, that amount will be discharged.[NEWLINE]agent: Did the school refuse to make a required return of your parent's PLUS loan funds?[NEWLINE]user: No.[NEWLINE][BOUNDARY][NEWLINE]user: How do I find out who my loan servicer is?
user: I left school and need to know if I'm eligible for a dicharge of my federal student loans.[NEWLINE]agent: 'll be happy to help you find out if you qualify for an unpaid return discharge.[NEWLINE]agent: Was your loan made under the William D. Ford Federal Direct Loan Program or the FFEL Program?[NEWLINE]user: No. I don't think it was.[NEWLINE]agent: Has the school that you've withdrawn from refused to make a required return of your loan money?[NEWLINE]user: No, they haven't refused, but they seem to be dragging their feet about it.[NEWLINE][BOUNDARY][NEWLINE]user: How would I go about applying for the unpaid refund discharge?[NEWLINE]agent: Is the school that you used to attend still open?[NEWLINE]user: No. They are closed.[NEWLINE]agent: Have they shutdown permanently?[NEWLINE]user: Yes.
user: Hello, I have an issue. I withdrew from school and I'm wondering about some things regarding the return of my loan funds.[NEWLINE]agent: You're in the right place then. Here you can learn more about the unpaid refund discharge to see whether you might qualify.[NEWLINE]agent: Did you withdraw from school after receiving a loan made under the William D. Ford Federal Direct Loan Direct Loan Program or Federal Family Education Loan FFEL Program?[NEWLINE]user: No, that isn't the case.[NEWLINE]agent: Did the school NOT make a required return of the loan funds after you withdrew?[NEWLINE]user: No, they returned the loan funds.[NEWLINE][BOUNDARY][NEWLINE]user: So how much of my loan will be discharged if I was approved for that?[NEWLINE]agent: Only the portion of your loan that your school should have returned will be discharged. Contact your loan servicer for more information.[NEWLINE][BOUNDARY][NEWLINE]user: What if I'm ready to apply for the unpaid refund discharge?[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: How do I decide which income-driven repayment plan to choose within the FSA process?[NEWLINE]agent: Have you decided that an income-driven repayment plan is what you want to proceed with?[NEWLINE]user: Yes, that is my choice[NEWLINE]agent: In that case, you will need to choose the plan that will provide the most benefits to you which are based on your own personal circumstances[NEWLINE][BOUNDARY][NEWLINE]user: What does it mean when it says that I must be a new borrower to qualify for the PAYE Plan?[NEWLINE]agent: This means that you must have had no outstanding balance on a Direct Loan or FFEL Program loan when you received a Direct Loan or FFEL Program loan on or after Oct. 1, 2007, and you must have received a disbursement of a Direct Loan on or after Oct. 1, 2011[NEWLINE][BOUNDARY][NEWLINE]user: Are there any implications if I don't recertify my income and family size by the annual deadline?[NEWLINE]agent: In this instance, any unpaid interest will be capitalized added to the principal balance of your loans. This will increase the total cost of your loans over time, because you will then pay interest on the increased loan principal balance[NEWLINE][BOUNDARY][NEWLINE]user: What do I do if it happens that an income-driven repayment plan is not right for me?[NEWLINE]agent: You are advised to contact your loan servicer to discuss other repayment options. In this instance you may be able to extend your repayment period through what is known as the Extended Repayment Plan. You may also be able to qualify for a temporary repayment suspension through a deferment or forbearance[NEWLINE][BOUNDARY][NEWLINE]user: What happens if I didn't recertify my family size by the annual deadline?
user: will my repayment plan be divided into similar payments?[NEWLINE]agent: No, your required monthly payment amount may increase or decrease if your income or family size changes from year to year.[NEWLINE]agent: Did you want to know more about recertification?[NEWLINE]user: no I need some other things[NEWLINE][BOUNDARY][NEWLINE]user: about how long will it take to pay back?[NEWLINE]agent: Income-driven repayment plans have different repayment periods.[NEWLINE][BOUNDARY][NEWLINE]user: How can I get them to look at my payment plan if something comes up suddenly?[NEWLINE]agent: You can submit a new application for an incom-driven repayment plan to do this.[NEWLINE]user: so if I lost my job that is all I need to do?[NEWLINE]agent: Yes, if there is a change like loss of employment you can ask your servicer to recalculate your payment amount at any time.[NEWLINE][BOUNDARY][NEWLINE]user: can you give me more information about the repayment plans?
user: I need help with understanding annual re-certification requirements on income and family size.[NEWLINE]agent: I can help you with that. It's very important that you re-certify your income and family size by the given annual deadline.[NEWLINE]agent: Have you recertified your income by the deadline?[NEWLINE]user: Yes, I have.[NEWLINE]agent: Excellent. Those who don't re-certify would be subject to varying consequences depending on their plan.[NEWLINE][BOUNDARY][NEWLINE]user: What does applying for an income-driven repayment plan allow me to do?[NEWLINE]agent: Completing the application allows you to select an income-driven repayment plan by name or  request that your loan servicer determine what plan you qualify for. The loan servicer would then place you on the plan with the lowest monthly payment.[NEWLINE][BOUNDARY][NEWLINE]user: What if I have an outstanding balance on a Direct Loan?[NEWLINE]agent: If you have an outstanding balance on a Direct Loan or FFEL program loan when you received a loan on or after Oct. 1st 2007, you will not qualify for the PAYE plan.[NEWLINE][BOUNDARY][NEWLINE]user: How do REPAYE and ICR plans work?[NEWLINE]agent: Under these plans, your payment is always based on your income and family size, regardless of income changes. For example, if your income increases over time, your payment may be higher than the amount you would have to pay under the 10 year Standard Repayment Plan.[NEWLINE][BOUNDARY][NEWLINE]user: What repayment plan is available for FFEL program loans?
user: Hi, I'd like to know where can I get more information about income-based payment plans?[NEWLINE]agent:  Want more information about the income - driven repayment plans?[NEWLINE]user: yes[NEWLINE]agent: Explore our Questions and Answers page on Income Driven Plans[NEWLINE][BOUNDARY][NEWLINE]user: How long will I have a refund under each plan?[NEWLINE]agent: Income-based repayment plans have different repayment periods Under all four plans, any remaining loan balance is forgiven if your federal student loans are not paid in full at the end of the repayment period[NEWLINE][BOUNDARY][NEWLINE]user: 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: Will the ICR Plan give me benefits for 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: What would be the different payment periods?
user: Will something happen if I don't get my income and family size recertified by the annual deadline?[NEWLINE]agent: It is really important to recertify before the annual deadline.[NEWLINE]agent: Do you need to know what happens if you don't recertify your income before the deadline?[NEWLINE]user: Yes, I would like to know the answer about recertifying my income.[NEWLINE]agent: The things that will happen vary depending on the plan you have.[NEWLINE]user: What happens if my family size is not recertified?[NEWLINE]agent: The same repayment plan would be enforced if you do not recertify your family size.[NEWLINE][BOUNDARY][NEWLINE]user: What if I have an income that is not taxed or do not have an income at all?[NEWLINE]agent: You would have to mark it the online application or paper application and you are not required to supply further documentation.[NEWLINE][BOUNDARY][NEWLINE]user: Are their other repayment options if I do not want an income-driven repayment plan?[NEWLINE]agent: You would need to contact your loan servicer and discuss repayments options such as extending our repayment period or temporarily suspend your repayment through deferment or forbearance.[NEWLINE][BOUNDARY][NEWLINE]user: Is there another option besides income-driven plans for PLUS loans for parents?
user: Hello i would like to get information about What types of federal student loans can I repay under an income-based repayment plan?[NEWLINE]agent: The table below shows the types of federal student loans you can pay under each of the income-based payment plans.[NEWLINE]user: What happens if I consolidate a FFEL Program Loan?[NEWLINE]agent: You can repay the Direct Consolidation Loan under the REPAYE, PAYE and ICR Plan depending on The type of loan you consolidate.[NEWLINE][BOUNDARY][NEWLINE]user: How do I see the plans?[NEWLINE]agent: Try This Resource Federal Student Loans: Paying Off Your Loans Provides information on federal student loan repayment plan options, finds loan history and loan managers, and makes payments.[NEWLINE][BOUNDARY][NEWLINE]user: and how will my AGI be used?[NEWLINE]agent: Your AGI will be used if you filed a federal tax return in the past two years[NEWLINE]user: yes[NEWLINE]agent: Is your current income not significantly different from the income reported on your most recent federal tax return?[NEWLINE]user: yes[NEWLINE]agent: In that case This may be your adjusted adjusted gross income or alternative income documentation.[NEWLINE][BOUNDARY][NEWLINE]user: and where do I get more information?
user: What is involved in applying for an income-driven repayment plan through the FSA?[NEWLINE]agent: Before any application is made, you are advised to contact your loan servicer if you have any queries or questions. Your loan servicer will be able to advise you which plan is the correct one for you[NEWLINE]user: How do I apply for an income-driven repayment plan?[NEWLINE]agent: You have t submit an application which is known as the Income-Driven Repayment Plan Request form[NEWLINE]user: Is my AGI ever used during my income-driven repayment plan application?[NEWLINE]agent: Have you filed a federal income tax return in the past two years?[NEWLINE]user: Yes I have[NEWLINE]agent: And may I ask, is your current income significantly different from the income that was reported on your most recent federal income tax return?[NEWLINE]user: Yes, it's quite different[NEWLINE]agent: null[NEWLINE][BOUNDARY][NEWLINE]user: How do I qualify for a PAYE and IBR Plan?
user: Hello, what are the low payments for federal loans?[NEWLINE]agent: Hay una tabla donde se relaciona el tipo de prestamo con los tipos de pagos basado en ingresos.[NEWLINE]agent: Puedes considerar un prestamo mediante el   programa FFEL o un préstamo federal Perkins.[NEWLINE]user: En que cosiste este tipo de plan?[NEWLINE]agent: Tiene como objetivo el reembolsar el Préstamo de Consolidación Directa bajo el Plan REPAYE, PAYE e ICR.[NEWLINE][BOUNDARY][NEWLINE]user: En que consiste AGI?[NEWLINE]agent: It is important to note if you have filed a federal tax return in the past two years.[NEWLINE]user: What is the federal tax return?[NEWLINE]agent: You have to report your current income.[NEWLINE]user: Does the information in both scenarios have to match?[NEWLINE]agent: It is important to report adjusted gross income or alternative income documentation.[NEWLINE][BOUNDARY][NEWLINE]user: Do I need to know all the options to be able to cancel my aid loan?[NEWLINE]agent: Sure, an income-based plan is not recommended.[NEWLINE]user: What does this plan consist of?
user: Hello there. I need to know what happens if I miss the annual deadline to recertify my income.[NEWLINE]agent: Of course. It's important for you to recertify your income and family size by the specified annual deadline.[NEWLINE]agent: Did you NOT recertify your income by the deadline?[NEWLINE]user: No. I mean yes, but my case is a little specific.[NEWLINE]agent: Did you NOT recertify your income by the deadline and are you under the REPAYE plan?[NEWLINE]user: Yes. That's the issue.[NEWLINE]agent: Then you'll be removed from the REPAYE Plan and placed on an alternative repayment plan.[NEWLINE]user: What changes if I get an alternative repayment plan?[NEWLINE]agent: Under this alternative repayment plan, your required monthly payment is not based on your income.[NEWLINE][BOUNDARY][NEWLINE]user: That's good to know. So what types of student loans can I repay under an income-driven repayment plan?[NEWLINE]agent: The chart on our website shows the types of federal student loans that you can repay under each of the income-driven repayment plans.[NEWLINE]agent: Did you consolidate a FFEL Program Loan or Federal Perkins Loan into a Direct Consolidation Loan?
user: Hello, I need to know what happens if I do not recertify my income and the size of my family?[NEWLINE]agent: It is vitally important to carry out such processes by the specified annual deadline to avoid penalties.[NEWLINE]agent: If you do not carry out such a process, I recommend that you recertify your income on the stipulated date.[NEWLINE]user: Can you tell me more about it?[NEWLINE]agent: If you do not carry out the process in the time limit, you will be presented with other options that you should take into account.[NEWLINE]user: Can you advise me more about that particular case please?[NEWLINE][BOUNDARY][NEWLINE]user: Can you explain what the AGI consists of?[NEWLINE]agent: Before continuing, can you tell me if you filed the federal tax return?[NEWLINE]user: What would happen if I did not do it?[NEWLINE]agent: It is important that current income is not different with what you reported on the tax return.[NEWLINE]user: What would happen if I did not make the declaration in the last years?[NEWLINE]agent: It can also be adjusted gross income or some alternative income report.[NEWLINE][BOUNDARY][NEWLINE]user: Can you tell me what is the income based plan?
user: Hello, I would like to know how much you have to pay monthly for an income based payment plan?[NEWLINE]agent: The amounts can vary, it all depends on several factors.[NEWLINE]user: Can you advise me on recertifying?[NEWLINE]agent: It is vitally important that you enter another payment plan request based on income.[NEWLINE][BOUNDARY][NEWLINE]user: What does AGI consist of?[NEWLINE]agent: It is important that you must be clear with the federal tax return in the last two years.[NEWLINE]user: Can you tell me more about the topic?[NEWLINE]agent: It is all based on adjusted gross income, among other things.[NEWLINE][BOUNDARY][NEWLINE]user: Can you tell me the different ways to facilitate help to pay my loans?[NEWLINE]agent: Sure, it's important that the payment plan is based primarily on income.