elplaguister/DTS_session_datasets huggingface dataset:
user: Hello, I'm here to figure out the steps needed to get my money.[NEWLINE]agent: Does your college or career school and not the U.S. Department of Education distribute your financial aid?[NEWLINE]user: No, not that I know of.[NEWLINE][BOUNDARY][NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: What if I've already completed the financial aid process?[NEWLINE]agent: Then you've accomplished the most important task submitting the Free Application for Federal Student Aid (FAFSA) form. Find out what you need to do next.[NEWLINE][BOUNDARY][NEWLINE]user: That's good to hear. So what do I need to do when I sign a loan agreement?[NEWLINE]agent: You'll need to complete a Master Promissory Note (MPN).[NEWLINE][BOUNDARY][NEWLINE]user: I see. And after I've replied to an aid offer?[NEWLINE][BOUNDARY][NEWLINE]user: Sure. Now I need to ask about the acceptance of financial aid, how do I inform which aid is chosen?[NEWLINE]agent: Follow the directions on your student aid offer and sometimes you might have to enter the amounts you are accepting in an online form and then submit the form.[NEWLINE][BOUNDARY][NEWLINE]agent: Then you may accept aid from your chosen school.[NEWLINE][BOUNDARY][NEWLINE]user: Faced with the financial distribution made by my professional school or university, is there any way to know when I will be able to receive this aid?
user: Hello, I would like to know how I get my money with financial aid?[NEWLINE]agent: Will your university or vocational school distribute your financial aid?[NEWLINE]user: no[NEWLINE][BOUNDARY][NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: and who will pay my help?[NEWLINE]agent: Find out when your school will pay your aid and the period each payment covers.[NEWLINE][BOUNDARY][NEWLINE]user: What do I do to sign a loan agreement?[NEWLINE]agent: Complete a Master Promissory Note MPN.[NEWLINE][BOUNDARY][NEWLINE]user: And what should I do Before my first loan or TEACH Grant?[NEWLINE]agent: complete the advice[NEWLINE][BOUNDARY][NEWLINE]user: and which school will provide the aid?[NEWLINE][BOUNDARY][NEWLINE]user: I see what you mean. Another question about aid offer. How do I decide which financial aid is the right for me 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]
user: hello can you advise me how I get my money with financial aid?[NEWLINE]agent: Will your university or vocational school distribute your financial aid?[NEWLINE]user: no[NEWLINE][BOUNDARY][NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: and what should I do Before my first loan or TEACH Grant?[NEWLINE]agent: complete the advice.[NEWLINE][BOUNDARY][NEWLINE]user: and after submitting the form what do I do?[NEWLINE]agent: In that case, you have performed the most important task in submitting the FAFSA Free Application for Federal Student Aid form. We will help you discover what you should do next.[NEWLINE][BOUNDARY][NEWLINE]user: And how do I know when the aid will be paid?[NEWLINE]agent: Find out when your school will pay your aid and the period each payment covers.[NEWLINE][BOUNDARY][NEWLINE]user: And what else should I find out at school?[NEWLINE][BOUNDARY][NEWLINE]user: I'd like to ask you on what are the reasons if I receive a certain financial aid from a school and then after a period of time they pulled out the financial aid offer?[NEWLINE]agent: Yes You may receive a provisional aid offer from a school and then find out that it changes later.[NEWLINE][BOUNDARY]
user: who will give me the money for school?[NEWLINE]agent: Did you want to know who distributes your financial aid?[NEWLINE]user: yes[NEWLINE]agent: The school will pay out your aid[NEWLINE]user: how will I get it?[NEWLINE]agent: It depends on the type of aid you receive[NEWLINE][BOUNDARY][NEWLINE]user: can you also help me with signing a loan agreement?[NEWLINE]agent: Yes, we can help you Complete a Master Promissory Note[NEWLINE][BOUNDARY][NEWLINE]user: can you help me compare aid and see what is best for me?[NEWLINE][BOUNDARY][NEWLINE]user: very well. Now I would like to find out the price What if the aid is not enough and I have to take out a loan to pay for schooling?[NEWLINE]agent: If you have to take out a loan you should pay special attention to the terms and conditions of private loans so that you understand what your obligations would be. You should read up about federal versus private loans.[NEWLINE][BOUNDARY][NEWLINE]agent: yes, we can help you review schools' financial aid packages[NEWLINE][BOUNDARY][NEWLINE]user: May I ask something else? regarding  Financial Aid Process. can you help me get it all done?
user: Hi, so glad i can chat with you. You know, I recently submitted a Student Aid form, but I'm curious about what should I do next to that.[NEWLINE]agent: Well, firs of all, you need to be informed. Have you looked into any information about Student Aid?[NEWLINE]user: No, i haven't did that.[NEWLINE][BOUNDARY][NEWLINE]agent: I see, you mean then you have not compared any Aid Offers?[NEWLINE]user: Oh yeah, I did that, because i wanted to know which aid could be more friendly to me.[NEWLINE][BOUNDARY][NEWLINE]user: Do you know about an application over the phone or at a Social Security office. I understand. Can anyone use the Retirement Estimator?[NEWLINE]agent: Ask the financial aid office for the amount and make sure it includes amounts you will pay to the school directly such as tuition and fees.[NEWLINE][BOUNDARY][NEWLINE]agent: Excellent, I assume you reviewed school's financial aid packages then. That was a good call.[NEWLINE][BOUNDARY][NEWLINE]user: Thank you; I thought it was the proper thing to do. I read of a Loan Agreement, is that something I need to do as well?[NEWLINE]agent: Yes, is one of the next steps after your submission. Before that, you must complete a Master Promissory Note or MPN.[NEWLINE][BOUNDARY][NEWLINE]user: MPN, huh? Got it. Em, Any advice session or counseling is coming here?[NEWLINE]agent: Yes, that's something you'll get before receiving your first loan, a complete counseling.[NEWLINE]user: Oh, do you mean like, complete, complete?
user: Hello there, All great with you?. Look, I sent an Aid request some time ago, but hasn't been any answer, so when do i get my money?[NEWLINE]agent: If you completed the proper procedure, It should be sent to you soon. Be aware that benefit will be paid by your School and not by the U.S Department of Education so, Have you checked on your school's payment schedule?[NEWLINE]user: Yeah, I checked that out already, that's why i'm here asking about.[NEWLINE]agent: Well, that's pretty much what you can do for now. If you found out that information, then you must even know the period your aid will cover.[NEWLINE][BOUNDARY][NEWLINE]user: O.k, O.k, you got me there. Yeah, i even looked about that period thing. Anyway, To be sure, all what i needed to do was to send the application, right? what else comes next?[NEWLINE]agent: You're right. That's all what you were required to do. And if you are asking about your aid, then you probably took some of the next steps to that submission.[NEWLINE][BOUNDARY][NEWLINE]user: Yeah, yeah, I went and did some thing, some paperwork. Look, what can I do if i don't have those resources for when i star my classes, huh?[NEWLINE]agent: In that case, you should find out how to pay for your course materials, so you can start your classes and then help yourself with the aid.[NEWLINE][BOUNDARY][NEWLINE]user: And just like that, huh? Oh, well. I hope won't need to do that. Sorry, but a Master Promissory Note was one of those steps you mentioned earlier, wasn't?[NEWLINE]agent: That's correct. A MPN is a requisite for getting the aid.[NEWLINE][BOUNDARY][NEWLINE]user: And of course accepting the aid from school, too?[NEWLINE][BOUNDARY][NEWLINE]user: another question for you regarding the Best Financial Aid to Accept. I've heard that some schools offer interest free tuition payment plans. Is this true?[NEWLINE]agent: Yes, it is. This type of loan can be very beneficial, because it allows the borrower to reduce the amount they will need to take out in loans. You should ask your financial aid office if this plan is available to you.[NEWLINE][BOUNDARY]
user: What are the next steps after I finished my FAFSA form?[NEWLINE]agent: Do you know how financial aid is calculated?[NEWLINE]user: Yes, I have been told how it is calculated.[NEWLINE]agent: That is great and since you know how it is calculated you can move onto the next step.[NEWLINE][BOUNDARY][NEWLINE]user: What does reply to Aid offer mean?[NEWLINE][BOUNDARY][NEWLINE]user: I also want to ask regarding my school about the Aid that I will accept. What if I take out a loan from the Direct Loan Program?[NEWLINE]agent: If you will be taking a loan from the Direct Loan Program then the U.S. Department of Education will be your lender.[NEWLINE][BOUNDARY][NEWLINE]agent: It means that you need to accept the aid you want from your chosen school.[NEWLINE][BOUNDARY][NEWLINE]user: Alright. I'd also like to know  about the Direct Loan Program, when should I complete Entrance Counseling?[NEWLINE]agent: You should complete your Entrance Counseling before you first loan or TEACH grant.[NEWLINE][BOUNDARY][NEWLINE]user: What about the Money?[NEWLINE][BOUNDARY][NEWLINE]agent: Did you school send you a notice about the distribution of your financial aid?
user: How I get my money in the Financial Aid Process?[NEWLINE]agent: Are you studying at the college?[NEWLINE]user: Yes, I am.[NEWLINE]agent: Fine. Find out when your school will pay out your aid and the period each payment covers.[NEWLINE]user: how can I pay for course materials?[NEWLINE]agent: Learn how to pay for course materials if you don t get your financial aid as soon as classes start.[NEWLINE][BOUNDARY][NEWLINE]user: What do I have to do to receive my loan?[NEWLINE]agent: You must complete Entrance Counseling.[NEWLINE][BOUNDARY][NEWLINE]user: I need to Get Informed[NEWLINE][BOUNDARY][NEWLINE]user: To cover the cost of attendance. What exactly is a certificate of authenticity (COA)?[NEWLINE]agent: Your COA is the amount it will cost you to go to school or your total cost for the school year for instance, for the fall semester plus the spring semester.[NEWLINE][BOUNDARY][NEWLINE]agent: Find out how aid is calculated[NEWLINE][BOUNDARY][NEWLINE]user: Understood, I also wanted to ask something, I have completed the process for financial aid, what step should I follow now?
user: What do I need to do to complete the financial aid process?[NEWLINE]agent: do you want to know?[NEWLINE]user: yes[NEWLINE]agent: The first thing is to find out how aid is calculated.[NEWLINE][BOUNDARY][NEWLINE]user: How can I compare help offers?[NEWLINE][BOUNDARY][NEWLINE]user: Btw, for financial aid package 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]agent: Review schools' financial aid packages.[NEWLINE][BOUNDARY][NEWLINE]user: Do you know if my University will distribute my financial aid or is it the United States Department of Education?[NEWLINE]agent: Find out when your school will pay your aid and the period covered by each payment[NEWLINE]user: I want to learn how to get help[NEWLINE]agent: Learn how you will get your help, it all depends on the type of help you receive.[NEWLINE][BOUNDARY][NEWLINE]user: are all the steps?
user: I have been wondering about asking for a federal student loan, but I don't know if I should. Can you please tell me a bit more about this topic?[NEWLINE]agent: Of course. You must repay your loan, so be sure you understand your options and responsibilities.[NEWLINE]agent: Did you apply for financial aid?[NEWLINE]user: Yes, I have applied for it.[NEWLINE]agent: Then you may be offered loans as part of your school s financial aid offer. A loan is money you borrow and must pay back with interest.[NEWLINE][BOUNDARY][NEWLINE]user: Good to know. Do you know your options and responsibilities? Can you give me an example?[NEWLINE]agent: You can contact Equifax Credit Bureau to report a possible fraud.[NEWLINE][BOUNDARY][NEWLINE]user: I have another concern regarding the Federal student loans. What if I make a decision to take out a loan?[NEWLINE]agent: Make sure you understand who is making the loan and the terms and conditions of the loan.[NEWLINE]user: I'd like to know more about Financial Aid Types. Is there any financial assistance available from my state government?[NEWLINE]agent: Yes. Your state government is another source for financial aid.[NEWLINE]user: Can you please tell me if there are any alternatives apart from federal student loans that I can take?[NEWLINE]agent: Yes. Student loans can come from the federal government, from private sources such as a bank or financial institution, or from other organizations.[NEWLINE][BOUNDARY][NEWLINE]user: What if I'm in financial need? What can the government do for me?[NEWLINE]agent: If you demonstrate financial need, the government pays the interest on some loan types while you are in school and during some periods after school.[NEWLINE][BOUNDARY][NEWLINE]user: That's great! So, what exactly are those direct plus loans?
user: curious about loans for school[NEWLINE]agent: Federal student loans for college are an investment in your future. You must repay your loan, so be sure you understand your options and responsibilities.[NEWLINE]agent: Have you applied for financial aid?[NEWLINE]user: yes[NEWLINE]agent: You might be offered loans as part of your school’s financial aid offer. A loan is money you borrow and must pay back with interest.[NEWLINE][BOUNDARY][NEWLINE]user: that's it. Loan Transfers are also something I'd like to hear about. In the event of a move, what happens to my loan?[NEWLINE]agent: It just means that a new servicer will provide the support you need to fully repay your loans[NEWLINE][BOUNDARY][NEWLINE]user: Are there any other pertinent details about the loans of which I should be aware?[NEWLINE]agent: Make sure you understand who is making the loan and know the terms and conditions of the loan.[NEWLINE][BOUNDARY][NEWLINE]user: Is Interest Accrued on Federal Student Aid Loans? where can i find this out?[NEWLINE]agent: Yes and after finishing school you must repay your loans and the interest that accrues on them.[NEWLINE][BOUNDARY][NEWLINE]user: Sure. Now I need to ask about federal student loans. Are the loans high interest?[NEWLINE]agent: The interest rate on federal student loans is fixed and usually lower than that on private loans.[NEWLINE][BOUNDARY][NEWLINE]user: how much can I borrow?[NEWLINE]agent: It depends on whether you are an undergraduate student, a graduate or professional student, or a parent.[NEWLINE][BOUNDARY][NEWLINE]user: is the school the one making the loan to us?
user: hello could you give me information about federal student loans[NEWLINE]agent: Of course, paying off your loan is a must, so make sure you understand your options and responsibilities.[NEWLINE]agent: Do you want to apply for financial aid?[NEWLINE]user: no[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE]user: And what difference is there between government loans and those from private sources?[NEWLINE]agent: Loans made by the federal government, called federal student loans, generally have more benefits than loans from banks or other private sources. Learn more about the differences between federal and private student loans.[NEWLINE][BOUNDARY][NEWLINE]user: I got it. Another question.  What is the difference between government loans and loans from private sources?   Can i cancel a loan[NEWLINE]agent: Yes, you can cancel all or part of the loan before the money is disbursed. You just need to notify the school.[NEWLINE]agent: You can also do it after the money is disbursed. Does this interest you?
user: what should I know about federal student loans?[NEWLINE]agent: You should know that you must repay your loan, so be sure you understand your options and responsibilities.[NEWLINE]agent: Have you applied for financial aid?[NEWLINE]user: not yet but almost ready[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: how does a loan help me?[NEWLINE]agent: It is an investment in your future.[NEWLINE][BOUNDARY][NEWLINE]user: Another concern is whether we should be eligible to receive funding for college or career school as a result of your or a family member's military service? What other financial assistance does the government provide service 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: Can you explain what is involved with a federal student loan for college?[NEWLINE]agent: The most important thing that you should be aware of is that you must repay any loan you receive, in this regard, you are advised to be au fait with your options and responsibilities[NEWLINE]agent: Are you looking to apply for federal student aid in the near future?[NEWLINE]user: Not currently, but it may be something that I will need to consider in the future[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: What types of federal student loans can be applied for and are there restrictions or features of these loans that I should be aware of?[NEWLINE]agent: With a Direct Unsubsidized Loan, you are able to borrow up to $20,500 each year. Direct PLUS Loans are designed to be used for college costs that are determined by your school for expenses that are not covered by any other financial aids[NEWLINE][BOUNDARY][NEWLINE]user: What exactly is a private student loan?[NEWLINE]agent: These are loans that are nonfederal and are offered by financial institutions like banks, credit unions or a school[NEWLINE][BOUNDARY][NEWLINE]user: What is the process involved in getting a federal student loan?[NEWLINE]agent: Are you currently applying for a federal loan?
user: Greetings and good morning. I recently hear about student loans and was wondering if it could be an option for me, Could you lend me a hand on that?[NEWLINE]agent: hi[NEWLINE]agent: hi[NEWLINE]user: hi[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: hi[NEWLINE]agent: hi[NEWLINE][BOUNDARY][NEWLINE]user: Is there a Loan Fee?[NEWLINE]agent: Yes, there is a loan fee on all Direct Subsidized Loans and Direct Unsubsidized Loans.###Now, on how to get a low-interest loan, what more moves do I need to take to get my loan?[NEWLINE]user: No[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: Where can I find information about the student loans I ve received?
user: what do I need to know about loans to pay for school?[NEWLINE]agent: Make sure you understand your options and responsibilities when it comes to federal student loans.[NEWLINE]agent: Have you applied for financial aid?[NEWLINE]user: yes[NEWLINE]agent: You might be offered loans as part of your school's financial aid offer[NEWLINE][BOUNDARY][NEWLINE]user: Where on the website to I click to find out for sure if the site covers my school's entrance counseling requirements?[NEWLINE]agent: Your school's financial aid office can inform you of this[NEWLINE][BOUNDARY][NEWLINE]user: can you please give me more information about federal student loans for college? who provides this loan?[NEWLINE]agent: They can come from the federal government, from private sources such as a bank or financial institution, or from other organizations.[NEWLINE]user: Do you happen to be familiar with understand financial aid? I'm not sure what kind of assistance I'd be qualified for, could you please advise me?[NEWLINE]agent: You can estimate what aid you may be eligible for when you check out our FAFSA4caster tool.[NEWLINE][BOUNDARY][NEWLINE]user: I would also like to know, what types of federal student loans are available? Can you tell me a form or web page to visit?[NEWLINE]agent: You can look at Federal Student Loan Programs, it lists federal student loan programs with loan details.[NEWLINE][BOUNDARY][NEWLINE]user: what is something I should do when looking at loans?[NEWLINE]agent: You need to understand the terms of your loan.[NEWLINE][BOUNDARY][NEWLINE]user: Do you still have Federal Perkins loans?
user: Hello, I would like to know if Federal student loans are a good investment?[NEWLINE]agent: it is important that you pay off your loan, so make sure you understand your options and responsibilities.[NEWLINE]agent: Do you want to apply for financial aid?[NEWLINE]user: no[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: What if I have loans from the HEAL Program and I am in default with those loans?[NEWLINE]agent: In that case, contact the Debt Collection Center for help with account-related questions.[NEWLINE][BOUNDARY][NEWLINE]user: On a similar note, let's talk about federal grants. What do you have to say 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: how do I know I'm cleared to get financial aid?[NEWLINE]agent: I can go over the basic eligibility criteria with you.[NEWLINE][BOUNDARY][NEWLINE]user: so what is the criteria?[NEWLINE]agent: Do you have a high school diploma or a GED?[NEWLINE]user: I have a diploma[NEWLINE]agent: It shows you are qualified to obtain a college or career school education[NEWLINE][BOUNDARY][NEWLINE]user: Is there a scholarship program for those who cannot afford to pay the tuition? What are the prerequisites?[NEWLINE]agent: hi[NEWLINE][BOUNDARY][NEWLINE]user: O.k i'll make sure to check that out. This is a silly question but, Do i have to keep the grades up all the time to keep the aid?[NEWLINE]agent: Of course. That eligibility criteria that was applied when you requested that aid, needs to be kept through all the time you receive the funds.[NEWLINE][BOUNDARY][NEWLINE]user: Oh, O.k Sorry, i just wanted to be sure. In any case, i don't need to renew anything after i got the aid, don't i?[NEWLINE]agent: Did you fill a FAFSA form when you requested your aid?