elplaguister/DTS_session_datasets huggingface dataset:
user: hi[NEWLINE]agent: hi[NEWLINE]user: hi[NEWLINE][BOUNDARY][NEWLINE]user: hi[NEWLINE]agent: hi[NEWLINE][BOUNDARY][NEWLINE]user: hi[NEWLINE]agent: hi[NEWLINE][BOUNDARY][NEWLINE]user: Umm, I see. And which kind of persons would lend private loans?[NEWLINE]agent: Well, you can find these option to be lend by banks, credit union, state agencies or even schools.[NEWLINE][BOUNDARY][NEWLINE]user: So, you assure me that federal loans would be of more benefit then? Instead of private?
user: Hi there, I am trying to decide whether a federal student loan will be more advantageous for me over a private student loan for college and was looking for some information to help me decide[NEWLINE]agent: Are you seeking a loan to help pay your expenses for college?[NEWLINE]user: Not at the moment, but the matter may arise in the future[NEWLINE][BOUNDARY][NEWLINE]user: Are there many differences between federal and private student loans, and where would I get all the relevant information about these borrowings?[NEWLINE]agent: The government makes federal loans available, the terms and conditions of which are set out by the law. You can avail of a lot of benefits with a federal loan, such as fixed interest rates and income-driven repayments, which you won't find with private student loans. Private loans are offered by financial institutions whose terms and conditions are governed by the financial institution themselves[NEWLINE][BOUNDARY][NEWLINE]user: What type of funding is included if I apply for student financial aid?[NEWLINE]agent: It's quite likely that your school would include a student loan as part of your financial aid package, but it is important to understand the differences between federal loans and private student loans[NEWLINE][BOUNDARY][NEWLINE]user: What is the process required for getting a federal loan for my college attendance?[NEWLINE]agent: The first step of the application process is to complete the Free Application for Federal Student Aid FAFSA form. This form will also give you further information about applying for aid[NEWLINE][BOUNDARY][NEWLINE]user: Does my school choose one type of student loan over another in respect of any financial aid package that I might be offered?
user: I have some questions about federal student loans.[NEWLINE]agent: I can help you with that. Are you the student in need of a loan to pay for college?[NEWLINE]user: No, my son will be taking out the loan.[NEWLINE][BOUNDARY][NEWLINE]user: Should my son take out federal student loans?[NEWLINE]agent: Yes. It's always recommended that you start with federal loans.[NEWLINE][BOUNDARY][NEWLINE]user: How can my son become eligible for federal loans?[NEWLINE]agent: His first step will be to fill out the Free Application For Federal Student Aid(FAFSA).[NEWLINE][BOUNDARY][NEWLINE]user: How do federal loans differ from private loans?[NEWLINE]agent: All federal student loans and parent loans are funded by the federal government.[NEWLINE][BOUNDARY][NEWLINE]user: Okay. How else do they differ?
user: I need help with figuring out how student loans work.[NEWLINE]agent: Will you be the one taking out the loan for college?[NEWLINE]user: No, my daughter will be going to college.[NEWLINE][BOUNDARY][NEWLINE]user: How can she become eligible for federal student loans?[NEWLINE]agent: Do you know how federal loans work?[NEWLINE]user: Yes, somewhat.[NEWLINE]agent: Great. The first thing your daughter needs to do is fill out a FAFSA form.[NEWLINE][BOUNDARY][NEWLINE]user: How do private loans differ from federal loans?[NEWLINE]agent: Unlike federal loans, private loans are made by a private lender. Each private loan could differ by lender and by type of loan, so it's very important that you and your daughter understand the terms of the loan.[NEWLINE][BOUNDARY][NEWLINE]user: Are there any federal student loans available for graduate students?
user: Is it true federal student loans offer advantages over private student loans?[NEWLINE]agent: Do you need a loan to help with college?[NEWLINE]user: No, at this time just looking at the differences?[NEWLINE][BOUNDARY][NEWLINE]user: Can you tell me the differences in federal and private student loans?[NEWLINE]agent: Federal student loans are made by the government, with terms set by law, and would include a benefit of fixed interest rates and income-driven repayment plans. Private loans are made by private organizations such as banks, credit unions and have terms set my the lender.[NEWLINE][BOUNDARY][NEWLINE]user: What if I apply for financial aid through the school?[NEWLINE]agent: Your school will include student loans as part of your financial aid package.[NEWLINE][BOUNDARY][NEWLINE]user: What makes federal loans better than private loans?[NEWLINE]agent: Federal loans offer a fixed interest rate and income-driven repayment plans not offered by private loans.  Private loans are given out by banks which set their own terms.[NEWLINE][BOUNDARY][NEWLINE]user: How do I get a federal loan?
user: Are there any advantages to having a federal student loan over a private student loan?[NEWLINE]agent: Will you be seeking to take out a loan to help pay for your college education?[NEWLINE]user: Not at the moment, I am just looking for information[NEWLINE][BOUNDARY][NEWLINE]user: What are the actual differences between federal student loans and private student loans?[NEWLINE]agent: Federal student loans are offered by the Government. The terms and conditions of these loans are governed by the law. Benefits of these loans may include fixed interest rates and income-driven repayment plans which are not typically offered with private student loans. Private loans are offered by financial institutions and have their conditions governed by the lender themselves[NEWLINE]user: Is there any summary of the differences that you could give me?[NEWLINE]agent: There is a chart on the website that provides a summary of both loans and how they differ[NEWLINE][BOUNDARY][NEWLINE]user: Is there any Direct Loan that a parent can take out for their child?[NEWLINE]agent: Yes, these are known as Federal parent loans and are Direct PLUS Loans aimed at parents[NEWLINE][BOUNDARY][NEWLINE]user: Are there many differences between federal and private student loans?
user: Why would I opt for a federal loan over a private student loan to help with my college education?[NEWLINE]agent: Are you currently seeking a  loan to help with your college education?[NEWLINE]user: Yes, I am starting the process now[NEWLINE]agent: You should consider federal loans first[NEWLINE]user: What type of loan is offered to me through a financial aid package, should I receive one?[NEWLINE]agent: It is quite likely that your school will offer you a student loan as part of any financial aid package you receive. You should inform yourself of the different loan options that there are in the marketplace. Generally, there are two types of student loans available, federal and private[NEWLINE]user: What 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: Hi there. I'm looking some information about what has more advantages if the private or federal aids for students loans.[NEWLINE]agent: Sure, no problem. Are you looking for information because you need a loan to help you pay for college?[NEWLINE]user: Yes, that's right. And I'm looking to see which one gives me better options.[NEWLINE]agent: Great! Well, we can tell you that you should consider the federal loans first.[NEWLINE]user: Alright thanks for your recommendation. But how the loans will help me with my school?[NEWLINE]agent: Well... Is very likely that your school will likely include the student loans as part of your financial aid package.[NEWLINE][BOUNDARY][NEWLINE]user: I see, that's would be very nice. But how do I get a federal loan?[NEWLINE]agent: To get a federal loan you must first complete the free application for federal student aid fafsa form.[NEWLINE][BOUNDARY][NEWLINE]user: So, it's much better if I go with a federal loan?[NEWLINE]agent: Yes, because are much easier to get.[NEWLINE][BOUNDARY][NEWLINE]user: But, which are the differences of one and another?
user: I want to know more about false certification discharge of a loan[NEWLINE]agent: I can help you learn more about false certification discharge to see whether you might qualify[NEWLINE][BOUNDARY][NEWLINE]user: how do I apply for a direct loan discharge?[NEWLINE]agent: You need to complete the loan discharge application that applies to your situation[NEWLINE][BOUNDARY][NEWLINE]user: what if I'm not given a loan discharge?[NEWLINE]agent: If you do not receive a loan discharge you are responsible for repaying your loan.[NEWLINE]agent: Do you need more information to be prepared if you think you were wrongly denied a loan discharge?[NEWLINE]user: no it's good[NEWLINE][BOUNDARY][NEWLINE]user: what are ways to get a discharge?[NEWLINE]agent: There are three categories of false certification through which you might be eligible for a discharge of your Direct Loans or FFEL Program loans[NEWLINE][BOUNDARY][NEWLINE]user: is one of them for them doing things without my signature?
user: can you help me with a loan discharge?[NEWLINE]agent: Yes, we can give you false certification discharge information to see whether you might qualify[NEWLINE]user: can I get a direct loan discharged?[NEWLINE]agent: You might be eligible for a discharge of your loan made under the William D. Ford Federal Direct Loan Program if your school falsely certified your eligibility to receive a loan.[NEWLINE][BOUNDARY][NEWLINE]user: can a parent plus loan be discharged too if the school lied?[NEWLINE]agent: Did a school falsely certify a student's ability to benefit from its training?[NEWLINE]user: we believe so[NEWLINE]agent: Yes, some or all of your parent PLUS loan might be discharged if that is true.[NEWLINE][BOUNDARY][NEWLINE]user: how do we apply for a direct loan discharge?[NEWLINE]agent: You need to complete the loan discharge application that applies to your circumstance.[NEWLINE]user: is bad signatures or lack of signatures a reason to get a discharge?
user: My school filled out the paperwork for my school loans wrong. Do I still have to pay the loans back?[NEWLINE]agent: In the instance of a false certification, you may qualify for the discharge of your federal student loans. Would you like to learn more?[NEWLINE][BOUNDARY][NEWLINE]user: Actually, my mom and dad took out the loan to help me, but the paperwork is still wrong. Does that make a difference?[NEWLINE]agent: A PLUS loan taken out by a parent could still be discharged in the case of a false certification.[NEWLINE]user: So it doesn't matter that my parents helped get the loan?[NEWLINE]agent: It won't matter whether it was you or your parents who actually took out the loan. If the school falsely represented the benefits you would get from studying there in order for you to take out the loan, it can be discharged.[NEWLINE]user: Yes! They told me I would be able to use my credits to transfer to a bigger school after, but I found out when I tried to transfer that they weren't even accredited and my credits aren't worth anything![NEWLINE]agent: Was there anything that would have made you ineligible to receive a loan at the time that it was issued?[NEWLINE]user: I don't think so. My parents didn't say anything about that happening when they applied for the loan for me.[NEWLINE]agent: Did you sign your name to any of the loan paperwork at the time the loan was obtained?[NEWLINE]user: I just remembered something! My mom said there was a part I had to sign and to expect a call from the school to go to the office and sign it. After a week, I called the office myself because they never got in touch with me. They said it had been taken care of and not to worry about it.
user: Goo evening. I recently found out that my school apparently requested a student loan on my behalf without me knowing. Is there something I can do about that?[NEWLINE]agent: Certainly, you can. You may be eligible for a discharge of such loan, all based on that false certification.[NEWLINE][BOUNDARY][NEWLINE]user: That's a relief. But, I don't stop thinking if I could be rejected on my claim. If that happens, what then?[NEWLINE]agent: If that's your scenario, then I'm afraid you'll remain as responsible for repaying your loan.[NEWLINE]agent: Do you have any proof of negligent denial or something you can add to your discharge case?[NEWLINE]user: No, i'm not affected by that. I was just asking.[NEWLINE][BOUNDARY][NEWLINE]user: Well, in any case, what i must do if  i want to apply for a discharge? I mean, you never know.[NEWLINE]agent: If you have a loan and wan to apply for a discharge, you must complete the loan discharge which goes with you circumstance.[NEWLINE][BOUNDARY][NEWLINE]user: Right, right, because there are so much types, i guess. Well, if i'm eligible, How much i can aspire to discharge?[NEWLINE]agent: Have you met the eligibility requirements?
user: I would like to get further information on my eligibility for a discharge of my federal student loan, based on false certification, could you help me in this regard?[NEWLINE]agent: You can learn more about false certification discharges and the eligibility surrounding them on this website, please go to the relevant section[NEWLINE][BOUNDARY][NEWLINE]user: And do you know what the eligibility requirements are to qualify for a loan discharge due to false certification?[NEWLINE]agent: In total, there are three categories of false certification. You may be eligible for discharge of your Direct Loan or FFEL Program Loan through one of these categories[NEWLINE][BOUNDARY][NEWLINE]user: Is it possible that my parent PLUS loan could be discharged due to false certification?[NEWLINE]agent: Have you evidence that the school in question falsely certified your son/daughter's ability to benefit from its training?[NEWLINE]user: No, I don't have evidence at this point[NEWLINE]agent: Is it the case that the student in question had a disqualifying status at the time that the school certified your eligibility to receive the parent PLUS loan?[NEWLINE]user: Yes, this is the case actually[NEWLINE]agent: null[NEWLINE][BOUNDARY][NEWLINE]user: If I have a strong suspicion that a loan was made in my name as a result of identity theft, who do I contact?
user: How can I find out if I am eligible for a discharge of me federal student loan due to false certification?[NEWLINE]agent: There is a section on the website dedicated to this topic which will tell you if you are eligible for this[NEWLINE][BOUNDARY][NEWLINE]user: What is the best way for me to apply for a loan discharge?[NEWLINE]agent: You will need to contact your loan servicer to pursue this[NEWLINE]user: Is it easy to apply for a loan discharge?[NEWLINE]agent: Do you have a Direct Loan or FFEL Program loan and wish to apply for a loan discharge due to false certification?[NEWLINE]user: Yes, that is exactly what I am looking to do[NEWLINE]agent: When applying for a discharge, you will need to complete the loan discharge application that is relevant to your own personal circumstance[NEWLINE][BOUNDARY][NEWLINE]user: If I get approval for a loan discharge, how much of my loan will be discharged?[NEWLINE]agent: Have you met the eligibility requirements for a discharge on your loan?
user: I want to see about a student loan discharge[NEWLINE]agent: I can help you learn more about false certification discharge to see whether you might qualify[NEWLINE][BOUNDARY][NEWLINE]user: can I be helped if I am the parent of a student and the loan was to me?[NEWLINE]agent: Yes, we can help you[NEWLINE][BOUNDARY][NEWLINE]user: one of my problems is that I think they have done things without my consent or don't I have to sign off on things, so what can I do?[NEWLINE]agent: You can Complete the Loan Discharge Application: False Certification Unauthorized Signature/Payment form if you believe that an employee of the school that determined your eligibility for the loan signed your name on the promissory note or other loan documents without your authorization[NEWLINE][BOUNDARY][NEWLINE]user: do they discharge the entire loan if they did something wrong?[NEWLINE]agent: Do you know if you meet the eligibility requirements for a discharge?[NEWLINE]user: I do, I think[NEWLINE]agent: If you receive a loan discharge the entire remaining balance of your loan will be discharged, and any payments made on the loan will be refunded.[NEWLINE][BOUNDARY][NEWLINE]user: so the unauthorized signature form can be for someone messing with my loan?
user: How can I find out if I am eligible for a discharge of my federal loan, based on false certification?[NEWLINE]agent: We have a dedicated section on our website for false certification discharge, which will inform you whether you qualify or not[NEWLINE][BOUNDARY][NEWLINE]user: What exactly is refunded if my loan is discharged?[NEWLINE]agent: The entire remaining balance of your loan is cleared and any payments made on the loan are refunded[NEWLINE]user: Is there a minimum or maximum amount that is refunded if I am approved for a loan discharge?[NEWLINE]agent: Upon approval of a loan discharge, whatever balance is outstanding along with whatever repayments you made to the loan are refunded[NEWLINE][BOUNDARY][NEWLINE]user: Is it possible that a parent PLUS loan could be discharged?[NEWLINE]agent: Have you evidence that the school falsely certified the student's ability to benefit from its training?[NEWLINE]user: No, I have no evidence as yet[NEWLINE]agent: Do you know if the student in question had a disqualifying status at the time that the school in question certified the eligibility to receive a parent PLUS loan?[NEWLINE]user: I don't know the answer to this but will be making enquiries to find out[NEWLINE]agent: Is there any evidence available that the school signed your name on the promissory note or other loan documents without having your authorization?[NEWLINE]user: No evidence to my knowledge, but again, I will be looking in to this
user: What criteria have to be met to become eligible for a discharge of a federal student loan based on false certification?[NEWLINE]agent: We have a section on our website that covers off all the information you will need in this regard[NEWLINE][BOUNDARY][NEWLINE]user: Is it possible that any part of my parent PLUS loan could be discharged due to false certification?[NEWLINE]agent: To the best of your knowledge, do you know if the school falsely certified the student's ability to benefit from its training?[NEWLINE]user: No, I don't have that information or evidence as of yet[NEWLINE]agent: Did the student in question have a disqualifying status at the time your school certified your eligibility to receive the parent PLUS loan?[NEWLINE]user: No, not to my knowledge, but it is something I could check out[NEWLINE]agent: Do you have any evidence of the school having signed your name on a promissory note or other loan documentation without your authorization?[NEWLINE]user: Yes, I do have evidence of this[NEWLINE]agent: null[NEWLINE][BOUNDARY][NEWLINE]user: What requirements  need to be met for me to become eligible to qualify for a discharge of my loan based on false certification?
user: I want a loan discharge please[NEWLINE]agent: Okay, you can first learn more about false certification discharge to see whether you might qualify[NEWLINE][BOUNDARY][NEWLINE]user: where can I apply for a discharge if I didn't get anything from the training?[NEWLINE]agent: You would apply for a Loan Discharge Application: False Certification Ability to Benefit[NEWLINE][BOUNDARY][NEWLINE]user: can I appeal if denied?[NEWLINE]agent: You may ask the U.S. Department of Education to review the denial[NEWLINE][BOUNDARY][NEWLINE]user: so can I ask for a discharge if the training didn't help me because I had issues ongoing of my own?[NEWLINE]agent: You might qualify for a discharge on the Disqualifying status category.[NEWLINE][BOUNDARY][NEWLINE]user: are all loans able to be discharged?[NEWLINE]agent: Loans made under the William D. Ford Federal Direct Loan Program or Federal Family Education Loan Program are eligible for a discharge.[NEWLINE][BOUNDARY][NEWLINE]user: and I apply where you said?[NEWLINE]agent: Do you have a Direct Loan or FFEL Program loan and are you ready to apply for the false certification discharge?
user: Who do I make a student loan payment to?[NEWLINE]agent: It is very simple, all you have to do is work with your federal loan servicer.[NEWLINE][BOUNDARY][NEWLINE]agent: Do you know where to send your student loan payment?[NEWLINE]user: No, I have no idea who to send my student loan payment to.[NEWLINE][BOUNDARY][NEWLINE]user: Where do send my other loan servicer payments?[NEWLINE]agent: You would need to find your loan servicer contact info they sent to you.[NEWLINE]user: Is there any discounts to have automatic debit with Direct Loans?[NEWLINE]agent: Yes, you can get a.25% interest rate deduction if you have automatic debit.[NEWLINE][BOUNDARY][NEWLINE]user: Can I make a payment to Great Lakes and Nelnet in one place?[NEWLINE]agent: Yes, we are now accepting payments for federally-owned student loans that are being serviced by Great Lakes or Nelnet.[NEWLINE][BOUNDARY][NEWLINE]user: Is there an easy way to not miss a payment?
user: If I want to make a Student Loan Payment, how do I go about this?[NEWLINE]agent: This is a very simple process that can be done at any time. You should start by consulting your federal loan servicer[NEWLINE][BOUNDARY][NEWLINE]agent: Are you fully aware of where to send your student loan payments?[NEWLINE]user: Yes, I'm fairly sure, thanks[NEWLINE]agent: Just to let you know, all the billing aspects of your student loan are looked after by your student loan servicer. Your servicer will help you if you assistance in making any payments[NEWLINE][BOUNDARY][NEWLINE]user: How do I make a payment to a Direct Loan?[NEWLINE]agent: Yes there is, you will receive a 0.25% interest rate deduction if you set up an automatic direct debit to your Direct Loan[NEWLINE][BOUNDARY][NEWLINE]user: Is there a way to make a payment to a Great Lakes or Nelnet Loan without going through the FSA website?[NEWLINE]agent: It could happen that we cannot accept a payment to this loan due to your account status. If you'd prefer, you can always make a payment on your servicer's website, all you need to do is log in to your Great Lakes or Nelnet account online[NEWLINE][BOUNDARY][NEWLINE]user: Are there any bonuses available to me if I set up regular payments to my Direct Loan?[NEWLINE]agent: Yes, a bonus is available, please consult the website to find out more[NEWLINE]user: How do I make a payment to Other Loan Servicers?
user: I need a bit of help making a payment to my Student Loan, I wonder if you could help me?[NEWLINE]agent: It's very easy to make a payment to your Student Loan, firstly, the best place to start is by contacting your loan servicer[NEWLINE][BOUNDARY][NEWLINE]agent: Do you know where to send payments to?[NEWLINE]user: I'm really not sure, I haven't done this before[NEWLINE][BOUNDARY][NEWLINE]user: Are there any bonuses available to making regular payments to my Direct Loan through other loan servicers?[NEWLINE]agent: Yes, there is a bonus, if you would like further information, I can direct you where to go[NEWLINE]user: Is there any incentive for me to set up a direct debit to make payments to my Direct Loan with Other Loan Servicers?[NEWLINE]agent: If you set up a direct debit you will receive a 0.25% interest rate deduction on your Direct Loan[NEWLINE][BOUNDARY][NEWLINE]user: Who do I contact to organize making payments to my student loan?[NEWLINE]agent: All of the billing elements of your student loan are handled by your loan servicer. You are advised to contact them to find out more and get any help you may need[NEWLINE][BOUNDARY][NEWLINE]user: Is there a section on the website dedicated to servicing my Great Lakes or Nelnet Loan?