elplaguister/DTS_session_datasets huggingface dataset:
user: What is good advice when accepting financial aid?[NEWLINE]agent: Always accept the financial aid funds you don't have to repay.[NEWLINE]agent: Have you received your school financial aid offer?[NEWLINE]user: Yes, I have received the college I am attending financial aid offer.[NEWLINE]agent: That's good but remember to indicate which financial aid you would like to accept by making an informed decision.[NEWLINE][BOUNDARY][NEWLINE]user: How do I choose which is the best financial aid to accept?[NEWLINE]agent: There are many things to keep in mind when you get an aid offer such as, free money first earned money second, borrowed money last.[NEWLINE][BOUNDARY][NEWLINE]user: What is good advice when I need to accept a loan?[NEWLINE]agent: Usually choose the federal student loans offered to you first because they usually have the most favorable terms.[NEWLINE]user: What if my living expenses are not as costly as the amount estimated by the school I am attending?[NEWLINE]agent: You always can turn down the loan or ask for a lower amount and your school will help you with this.[NEWLINE][BOUNDARY][NEWLINE]user: How do I inform my school which aid I will accept?
user: What is the best way to accept financial aid?[NEWLINE]agent: Always accept the financial aid funds you don't pay back.[NEWLINE]agent: Did you get a financial aid offer?[NEWLINE]user: No, my school did not send me a financial aid offer, but are working on it.[NEWLINE][BOUNDARY][NEWLINE]user: What is the best process when accepting student loans?[NEWLINE]agent: Did you accept any student loans?[NEWLINE]user: No, I have not gotten any student loans yet.[NEWLINE]agent: Have you decided to get a state loan, school loan, or private student loan?[NEWLINE]user: Yes, I am thinking of getting a school loan, state loan, or private student loan.[NEWLINE]agent: You really should look into the differences between federal and other loans.[NEWLINE]user: What if I will have some questions or don't understand the types of loans in my aid package?
user: I want to know about the Teach grant[NEWLINE]agent: Do you want to Complete TEACH Grant Initial and Subsequent Counseling?[NEWLINE]user: no, I need to learn more first[NEWLINE][BOUNDARY][NEWLINE]agent: Did you want to know if you have to complete this?[NEWLINE]user: no sir[NEWLINE][BOUNDARY][NEWLINE]agent: Would you like to know how long it will take to complete?[NEWLINE]user: no I want to know more about it[NEWLINE][BOUNDARY][NEWLINE]agent: Do you need to know what you will need to have with you to participate?[NEWLINE]user: no, I think it's another thing[NEWLINE]user: ok I got it, it is the teach grant agreement. what identification will I need?
user: you can help me with the TEACH thing[NEWLINE]agent: Are you here to complete the TEACH Grant Initial and Subsequent Counseling?[NEWLINE]user: no[NEWLINE][BOUNDARY][NEWLINE]agent: Did you need to know if you need to complete this at some point?[NEWLINE]user: no[NEWLINE][BOUNDARY][NEWLINE]agent: Would you like to know how long it will take to complete?[NEWLINE]user: not that either[NEWLINE][BOUNDARY][NEWLINE]agent: Would you like to know what documents you will need to complete the counseling?[NEWLINE]user: no, I need to complete other TEACH stuff[NEWLINE][BOUNDARY][NEWLINE]user: where do I start for the TEACH agreement?
user: Hi there. I'm looking some information about TEACH?[NEWLINE]agent: Sure. Have you complete the teach grant ats?[NEWLINE]user: Yes, I have. Thanks.[NEWLINE]agent: Good, you need to log in the system.[NEWLINE][BOUNDARY][NEWLINE]user: Great. I want to know about to verify my account?[NEWLINE]agent: You need to verified your fsa id.[NEWLINE][BOUNDARY][NEWLINE]user: For the TEACH is need to have school experience, right? I mean as a teacher.[NEWLINE]agent: Yes, you need to begin a career in teacher and agree to teach full time for at least four years on schools.[NEWLINE]user: The teachers receive official help about it?[NEWLINE]agent: Yes, of course. TEACH grants initial and subsequent counseling about what to do.[NEWLINE][BOUNDARY][NEWLINE]user: Anyone can complete this?
user: I have questions about the TEACH Grant Agreement To Serve.[NEWLINE]agent: Are you interested in completing the TEACH Grant ATS?[NEWLINE]user: Yes, I am.[NEWLINE]agent: Great. You will first need to log into your account.[NEWLINE][BOUNDARY][NEWLINE]user: How do I know if I qualify for this grant?[NEWLINE]agent: This grant is for students who are completing or plan to complete any coursework that is required to begin a career in teaching. To qualify for this grant, you also need to agree to teach full time for at least 4 years.[NEWLINE][BOUNDARY][NEWLINE]user: How do I know if I should complete this?[NEWLINE]agent: If you are a student receiving a TEACH grant and have completed TEACH Initial and Subsequent Counseling in the same Award Year, you should complete this.[NEWLINE][BOUNDARY][NEWLINE]user: What information will I need to complete this?[NEWLINE]agent: You will need your verified FSA ID.[NEWLINE][BOUNDARY][NEWLINE]user: How long does it take to complete the ATS?
user: I am looking to apply for a TEACH Grant Agreement To Serve (ATS) through the FSA. How do I go about this?[NEWLINE]agent: Have you completed the TEACH Grant ATS form?[NEWLINE]user: Yes, I have completed that form[NEWLINE]agent: Firstly, you will need to log in under your own credentials[NEWLINE][BOUNDARY][NEWLINE]user: What exactly is a TEACH Grant that is available through the FSA?[NEWLINE]agent: This type of grant is for students who are completing coursework in preparation for a career in teaching. The candidates need to agree to work in an elementary school, secondary school or educational service agency that serves students from a low-income family for at least four years[NEWLINE][BOUNDARY][NEWLINE]user: What type of student completes the TEACH Grant Agreement To Serve (ATS)?[NEWLINE]agent: Students that complete this form are those who are in receipt of a TEACH Grant and who have also completed TEACH Initial and Subsequent Counseling for the same Award Year[NEWLINE][BOUNDARY][NEWLINE]user: What do I need to apply for a TEACH Grant Agreement To Serve (ATS)?[NEWLINE]agent: Firstly, you will your verified FSA ID[NEWLINE][BOUNDARY][NEWLINE]user: What is the first step in completing the TEACH Grant Initial and Subsequent Counseling form?
user: Hello, i've been told about a funding program for those students who want to begin teaching..I would like to know more about how to begin the counseling and what comes next..Could you help me out?[NEWLINE]agent: I understand you're interested into completing the initial and subsequent counseling for the Education Assistance Program?[NEWLINE]user: Don't need to complete it right now, but i would like to get some information beforehand.[NEWLINE][BOUNDARY][NEWLINE]agent: That's a good call. Do you know who are supposed to complete this counseling, then?[NEWLINE]user: Yes, please, that would be helpful.[NEWLINE]agent: No problem. The TEACH program is aimed to those students who are currently receiving a TEACH Grant.[NEWLINE][BOUNDARY][NEWLINE]user: O.k, i guess that takes a lot of sessions, right? I mean, is done through many days?[NEWLINE]agent: Nothing like that. Counseling for this program is quite simple, so it won't take more than 20 or 30 minutes.[NEWLINE][BOUNDARY][NEWLINE]user: Really? Wow, that's a relief. Don't get me wrong, but sometimes these things takes way too long. Anyway, another question. In something called Agreement to Serve, Who must do that?[NEWLINE]agent: Well, that  would be for those students who are receiving a TEACH Grant, and passed their TEACH Initial and Subsequent Counseling for the same Award Year.[NEWLINE][BOUNDARY][NEWLINE]user: Oh right, Seem kinda obvious. Lastly, going back to the TEACH counselling, What do  need to access that?
user: Tell me about the TEACH Grant Agreement To Serve (ATS)[NEWLINE]agent: Did you complete the TEACH Grant ATS?[NEWLINE]user: yes, I did it[NEWLINE]agent: Please, log in to start[NEWLINE][BOUNDARY][NEWLINE]user: What do I need to the ATS process?[NEWLINE]agent: You need a verified FSA ID[NEWLINE][BOUNDARY][NEWLINE]user: Can you tell me what is a TEACH Grant?[NEWLINE]agent: It's a program that provides funds to students who are completing or who plan to complete coursework that is required to begin a career in teaching, and agree to teach full time for at least four years at an elementary school, secondary school  or educational service agency that serves students from low-income families and to meet other requirements[NEWLINE][BOUNDARY][NEWLINE]user: Who should complete this program?[NEWLINE]agent: Students who are receiving a TEACH Grant  and who have completed TEACH Initial and Subsequent Counseling for the same Award Year[NEWLINE][BOUNDARY][NEWLINE]user: ow long will it take  the ATS process?
user: I need help with the teach grant agreement[NEWLINE]agent: Do you want help completing the TEACH Grant ATS?[NEWLINE]user: no I need info on it[NEWLINE][BOUNDARY][NEWLINE]agent: Do you want to know if you need to complete the TEACH Grant Agreement To Serve?[NEWLINE]user: yes[NEWLINE]agent: It needs to be completed by students who are receiving a TEACH Grant, and who have completed TEACH Initial and Subsequent Counseling for the same Award Year.[NEWLINE][BOUNDARY][NEWLINE]user: where do I go to do this?[NEWLINE]agent: I can link you to the page where you can Log In and start.[NEWLINE][BOUNDARY][NEWLINE]user: how long will it take me?[NEWLINE]agent: It will take you 20-30 minutes and it must be completed in a single session.[NEWLINE][BOUNDARY][NEWLINE]user: what will I need to get started?
user: What are payments like with the Income-Sensitive Repayment Plan for those with Federal Family Education Loan Program Loans.[NEWLINE]agent: The payments under the FFEL Program increase or decrease according to your annual income.[NEWLINE]agent: Do you need to make lower payments on your FFEL Program loans?[NEWLINE]user: Yes, I need to make lower payments on my FFEL Program loan because my hours have been cut at my job.[NEWLINE]agent: Then the Income-Sensitive Repayment Plan might be right for you.[NEWLINE][BOUNDARY][NEWLINE]user: Are only FFEL Program loanseligible for Income-Sensitive Repayment Plan?[NEWLINE]agent: Yes, only FFEL Program Loans are eligible.[NEWLINE][BOUNDARY][NEWLINE]user: What if I have FFEL Program loans that are not owned by ED?[NEWLINE]agent: You should then contact your lender of the loans.[NEWLINE][BOUNDARY][NEWLINE]user: Which FFEL Program Loans are eligible?[NEWLINE]agent: There are several eligible such as Subsidized Federal Stafford Loans.[NEWLINE]user: Are FFEL Consolidation Loans eligible for the income-sensitive payments?
user: What payments are available through the Income-Sensitive Repayment Plan who have Federal Family Education Loan Program loans?[NEWLINE]agent: The payments under the Income-Sensitive Repayment Plan may increase or decrease based on your income.[NEWLINE]agent: Do you need to make lower payments on your FFEL Program loans?[NEWLINE]user: Yes, I am getting less hours at work and need to lower my payments.[NEWLINE]agent: Then this plan might be right for you.[NEWLINE][BOUNDARY][NEWLINE]user: Are the FFEL Consolidation Loans eligible?[NEWLINE]agent: Yes, they are available for the Income-Sensitive Plan.[NEWLINE][BOUNDARY][NEWLINE]user: How can I get more information about FFEL Program loans?[NEWLINE]agent: You should contact your loans servicer for more information.[NEWLINE]user: Where should I go to find out about federal student loans I have received?[NEWLINE]agent: You should visit My Federal Student aid to view information about all of the federal student loans you have received and to find contact information for the loan servicer or lender for you loans.[NEWLINE][BOUNDARY][NEWLINE]user: Are unsubsidized Federal Stafford Loans eligible for Income-Sensitive Repayment?
user: Is the Income-Sensitive Repayment Plan help lower payments?[NEWLINE]agent: Yes, the income-sensitive repayment plan can decrease or increase based on your income.[NEWLINE]agent: Do you need to make lower payments on your FFEL Program loans?[NEWLINE]user: No not at this time but looks like I could in the future.[NEWLINE][BOUNDARY][NEWLINE]user: What will happen with my monthly payments on Income-Sensitive Repayment Plan?[NEWLINE]agent: Your monthly payments could increase or decrease.[NEWLINE][BOUNDARY][NEWLINE]user: How can I get more information if I have FFEL Program loans owned by the US Department of Education?[NEWLINE]agent: You would have to contact your loan servicer.[NEWLINE][BOUNDARY][NEWLINE]user: What loans are not eligible?[NEWLINE]agent: William D. Ford Federal Direct Loans are not eligible.[NEWLINE][BOUNDARY][NEWLINE]user: What FFEL Program Loans are eligible for Income Sensitive Repayment?
user: Hi, I would like to know how the Income-Sensitive Repayment Plan will affect my loan payments?[NEWLINE]agent: Payment under the plan increase or decrease based on your annual income.[NEWLINE]agent: Do you have a Federal Family Education Loan (FFEL) Program loan and if so do you need to lower your payments on your loan?[NEWLINE]user: No I don't need to lower my payments at this time, thank you.[NEWLINE][BOUNDARY][NEWLINE]user: Would I be eligible for the Income-Sensitive Repayment Plan if I have a FFEL Plus Loan?[NEWLINE]agent: Yes you will be.[NEWLINE][BOUNDARY][NEWLINE]user: What loans are not eligible for the Income-Sensitive Repayment Plan?[NEWLINE]agent: A William D. Ford Federal Direct Loan is not eligible for the repayment plan.[NEWLINE][BOUNDARY][NEWLINE]user: What about Subsidized Federal Stafford Loans?[NEWLINE]agent: Yes these loans are also eligible.[NEWLINE]user: What other loans are eligible for this program?
user: What do I need to know about the Income-Sensitive Repayment Plan?[NEWLINE]agent: The payments under this plan increase or decrease based on your annual income.[NEWLINE]agent: Do you need to make lower payments on your Federal Family Education Loan Program at this time?[NEWLINE]user: Yes, I lost my job and need to make lower payments.[NEWLINE]agent: Then the Income-Sensitive Repayment Plan could be the perfect plan for you.[NEWLINE][BOUNDARY][NEWLINE]user: What FFEL Program loans are eligible?[NEWLINE]agent: Subsidized, Unsubsidized Federal Stafford Loans; FFEL Plus Loans, and FFEL Consolidation Loans are all eligible for the Income-Sensitive Repayment Plan.[NEWLINE][BOUNDARY][NEWLINE]user: What if I have FFEL Program loans owned by the US Deparment of Education?[NEWLINE]agent: You would be best to contact your loan servicer.[NEWLINE]user: How do I find info for all the federal student loans I have received?[NEWLINE]agent: You should visit My Federal Student Aid to view any info about the federal student loans you have gotten and to find out any info for the loan servicer.[NEWLINE]user: What if  have FFEL Program loans not owned by the ED?
user: I need help understanding how the Income-Sensitive Repayment plan works.[NEWLINE]agent: I can help you with that. Those who qualify for the Income-Sensitive Repayment Plan should know that their payments can increase or decrease depending on your annual income.[NEWLINE]agent: Would you like to lower your payments on your FFEL Program loan?[NEWLINE]user: Yes. I need this.[NEWLINE]agent: This repayment plan may be the right choice for you.[NEWLINE][BOUNDARY][NEWLINE]user: My FFEL Program loan is not owned by ED. Who do I contact for more information?[NEWLINE]agent: Since your loan is not owned by ED, you will need to contact your lender.[NEWLINE]user: How do I find my lender's contact information?[NEWLINE]agent: You can find this information on your My Federal Student Aid account.[NEWLINE][BOUNDARY][NEWLINE]user: What FFEL Program Loans are eligible for this plan?[NEWLINE]agent: There are several loans that are eligible for the income-sensitive reapayment plan.[NEWLINE][BOUNDARY][NEWLINE]user: How long would I make monthly payments?
user: What is the Income-Sensitive Repayment Plan that is available to low-income borrowerso who have FFEL Program loans?[NEWLINE]agent: The payments under the Income-Sensitive Repayment Plan can increase or decrease based on your income.[NEWLINE]user: What if I need to make lower payments on my FFEL Program loan because my hours have been cut?[NEWLINE]agent: It sounds like the Income-Sensitive Repayment Plan is right for you.[NEWLINE][BOUNDARY][NEWLINE]user: Do you know what FFEL Program Loans are eligible?[NEWLINE]agent: The subsidized and unsubsidized Federal Stafford Loans, FFEL PLUS loans, and FFEL Consolidation Loans are all available for Income-Sensitive Repayment Plan.[NEWLINE][BOUNDARY][NEWLINE]user: What if I have an FFEL Program loan owned by the US Department of Education?[NEWLINE]agent: You should contact your loan servicer.[NEWLINE][BOUNDARY][NEWLINE]user: What would my monthly payments look like under this Income-Sensitive Repayment plan?[NEWLINE]agent: Under this plan your monthly payments will increase or decrease based on your annual income and are made for a maximum of 10 years.[NEWLINE][BOUNDARY][NEWLINE]agent: Do you have an FFEL Program loan owned by the US Department of Education?
user: Good evening. I've been researching for ways to make my loan repayment and heard about some income-sensitive thing, Could you tell me more, please?[NEWLINE]agent: No problem. You are referring on the so called Income-Sensitive Repayment Program. Is a very useful program that helps those who have low incomes, to pay their loans. The payments under that plan goes up or down, based on your annual income.[NEWLINE]user: So that plan could be perfect for making lower payments, huh?[NEWLINE]agent: Absolutely. If you're a Federal Family Education Loan Program user, then you could for this reduced payments plan.[NEWLINE][BOUNDARY][NEWLINE]user: Umm, that's quite interesting. I have a loan, under the figure of FFEL Plus. Is that type of loan eligible for the reduced payments?[NEWLINE]agent: It is. The Federal Family Education Loan Plus program is one of the types of loan under te reduced payments option.[NEWLINE]user: And what about Unsubsidized Federal Stafford Loans? I have an acquaintance that has one of those.[NEWLINE]agent: Yes, is it eligible too.[NEWLINE][BOUNDARY][NEWLINE]user: The way to repay my loan under this plan is still on a monthly basis, right?[NEWLINE]agent: That's correct. The payments are still on a monthly base, but they increase or decrease based on your annual income and are valid for a maximum time period of ten years.[NEWLINE][BOUNDARY][NEWLINE]agent: Do yo have more loans owned by U.S Department of Education?[NEWLINE]user: Yeah, i have two of them.
user: Hey, is there a way to get temporary relief?[NEWLINE]agent: Of course. Sometimes, you just need to suspend your student loan payments for a short period.[NEWLINE]agent: Are you in a short-term financial bind?[NEWLINE]user: Yes, I am. I currently have some problems with some expenses.[NEWLINE]agent: Then you may qualify for a deferment or a forbearance. With either of these options, you can temporarily suspend your payments.[NEWLINE]user: What about the current Covid-19 crisis? Do I still have to pay?[NEWLINE]agent: There is a new Automatic Suspension of Monthly Payments as a Result of the COVID-19 National Emergency.[NEWLINE][BOUNDARY][NEWLINE]user: Can I temporarily suspend my payments?[NEWLINE]agent: Yes, you can temporarily suspend your payments if you are eligible for a deferment or forbearance.[NEWLINE]user: Alright, this is all very new to me. So what effect does this all have on my interest?[NEWLINE]agent: Because interest accrues on your principal balance, capitalization will cause more interest to accrue over time than if you had paid the interest. It will also increase your monthly payment under most repayment plans.[NEWLINE][BOUNDARY][NEWLINE]user: That's not that great, but I understand it. What if I'm pursuing loan forgiveness, though?
user: Hi, I have had some unexpected expenses and am unable to pay my student loan for a period. Is there some way that I could get help with this?[NEWLINE]agent: Yes you may be able to suspend your student loan payments for a short period.[NEWLINE]agent: Would this be a short-term financial problem?[NEWLINE]user: No I don't think this is going to be short-term.[NEWLINE][BOUNDARY][NEWLINE]user: What are my options for deferring payments on my student loan?[NEWLINE]agent: If you are eligible you may be able to temporarily suspend your payment but it would be advisable to consider paying the interest that accrues during that period.[NEWLINE][BOUNDARY][NEWLINE]user: Would I be able to suspend my monthly payments as I am without work as a result of COVID-19?[NEWLINE]agent: To provide relief to students during this time federal student loan borrowers are automatically being placed in an administrative forbearance which allows you to temporarily stop making your monthly loan payments. This suspension of payments will be from March 13, 2020 through September 30, 2020.[NEWLINE][BOUNDARY][NEWLINE]user: Is it possible that I could lower my payments on an income-driven repayment plan?[NEWLINE]agent: Yes this is possible and it might be better to consider a income-driven repayment plan than deferring payments altogether. Income-driven plans base your monthly student loan payments on your income and family size.[NEWLINE]user: Are there any tax implications of going for an income-driven repayment plan?
user: Hey, I was wondering how to get temporary relief. Can you walk me through the process and answer some questions, please?[NEWLINE]agent: Of course. Sometimes, you just need to suspend your student loan payments for a short period.[NEWLINE]agent: Are you in a short-term financial bind?[NEWLINE]user: No, I just wanted to learn about the process, should I ever get into this situation.[NEWLINE][BOUNDARY][NEWLINE]user: Can I be eligible for loan forgiveness if I already paid back a large amount of the loan?[NEWLINE]agent: Yes, you can qualify for loan forgiveness on your remaining balance if your loan is not paid in full after 20 or 25 years.[NEWLINE][BOUNDARY][NEWLINE]user: What if I'm eligible for a deferment or forbearance?[NEWLINE]agent: In that case you can temporarily suspend your payments.[NEWLINE][BOUNDARY][NEWLINE]user: How can you provide relief to student loan borrowers during the COVID-19 national emergency?[NEWLINE]agent: To achieve this, federal student loan borrowers are automatically being placed in an administrative forbearance, which allows you to temporarily stop making your monthly loan payments. This suspension of payments will last from March 13, 2020, through Sept. 30, 2020, but you can still make payments if you choose.[NEWLINE][BOUNDARY][NEWLINE]user: That's good to know. What if I have a loan balance of $ 30,000 and an interest rate of 6 % and you are in forbearance for a year right after you enter repayment?
user: Is there a way to get temporary relief for my student loan payments?[NEWLINE]agent: Yes, you can get your payments for your student loans suspended for a short period.[NEWLINE]agent: Are you in a short-term financial bind?[NEWLINE]user: Yes, I am temporarily laid off for four weeks.[NEWLINE]agent: You may actually qualify for a deferment or a forbearance and temporarily suspend your payments.[NEWLINE][BOUNDARY][NEWLINE]user: Could I qualify for loan forgiveness eventually?[NEWLINE]agent: Yes, you could qualify for loan forgiveness on our remaining balance if your loan is not paid in full after 20-25 years.[NEWLINE]user: Is it better to get relief with lower payments through an income-driven repayment plan?[NEWLINE]agent: Yes, it might be a better option because your income-driven repayment base your monthly student loan payments on your income and family size and you could have a payment as low as zero each month.[NEWLINE][BOUNDARY][NEWLINE]user: What happens during the deferment or forebearance?[NEWLINE]agent: Interest will accrue during your period of deferment or forbearance except in cases like one offered as a result of COVID-19 national emergency.[NEWLINE]user: Would it be best for me to consider other options besides deferment or forebearance first?