elplaguister/DTS_session_datasets huggingface dataset:
user: Hi there. I have some questions related to fees charged to me to get my loan out of default.[NEWLINE]agent: I see... In this kind of cases the best thing to do is get in contact with the default resolution group.[NEWLINE]agent: Anyone have tried to ask you for payments to help you to get out of default on your loan?[NEWLINE]user: Yes, someone want to charge me fees and want me to pay for help.[NEWLINE]agent: In this case, you should walk away. The resolution group can help you with this for free.[NEWLINE][BOUNDARY][NEWLINE]user: Good to know. Do you happen to know about capitalization. is there a way to get lower payments?[NEWLINE]agent: It might be good for to you consider a different repayment plan such as an income-driven repayment plan. These plans base your monthly student loan payments on your income and family size. In some cases, your payment could be as low as $0 per month.[NEWLINE][BOUNDARY][NEWLINE]user: Who should I contact if I have a question about withholding money from your tax refund or other federal payments?[NEWLINE]agent: For this, is better you get in contact with your loan holder, which is prepared to help you.[NEWLINE][BOUNDARY][NEWLINE]user: May I know if its possible for me to apply for this new loan consolidation even if I only had one loan?[NEWLINE]agent: Yes, loan consolidation allows you to pay off a federal student loan with a new consolidation loan[NEWLINE][BOUNDARY][NEWLINE]user: Another thing about loan. Typically, how much interest and fees are applied to loans?[NEWLINE]agent: Normally is 17.92% over the original amount of the loan.[NEWLINE][BOUNDARY][NEWLINE]user: This also applies for private collection companies?[NEWLINE]agent: The private collection agencies earn a commission for any payments you make.[NEWLINE][BOUNDARY][NEWLINE]user: I see... But if I want to look for more information, where I can found more information?
user: who do I complain to about a financial aid issue at my school?[NEWLINE]agent: Do you feel that your school is not administering federal student aid funds properly?[NEWLINE]user: no I have another problem with them[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE]user: I think they made a mistake with my eligibility so who do I talk to?[NEWLINE]agent: Do you think your school paid out your aid in the wrong amount, at the wrong time, or not at all?[NEWLINE]user: no, just feel they classified me wrong[NEWLINE]agent: Do you feel that your school has policies for federal student aid programs but isn’t following them?[NEWLINE]user: no because I got my application done but just feel there was a small mistake on how they did it[NEWLINE]agent: Do you believe your school has made false or misleading statements about the school’s educational programs or financial charges?[NEWLINE]user: NO. this is weird are you a chat bot? are you listening to me?[NEWLINE]agent: You may contact the Federal Student Aid Feedback Center or call 1-844-651-0077.[NEWLINE][BOUNDARY][NEWLINE]user: I'd like to ask you another question about (FAFSA4caster)? Could you please tell me how the questions on the forms work?[NEWLINE]agent: Sure, no problem. The questions you mean are those on fafasa4caster.[NEWLINE][BOUNDARY][NEWLINE]user: About the scholarships, where do they come from?
user: How can I make a complaint about how my college is handing out financial aid?[NEWLINE]agent: Do you feel your school is not adiministering federal student aid funds the way it is supposed to?[NEWLINE]user: Yes, I think they are not administering federal student aid properly.[NEWLINE]agent: I can give you some info that could help you determine how to solve your problem or submit a complaint.[NEWLINE][BOUNDARY][NEWLINE]user: I'd like to ask you another question for how will I receive my scholarship funds? Should my scholarship provider inform me of what to expect when my scholarship is awarded?[NEWLINE]agent: Yes, your scholarship provider should be the one to tell you what to expect when you have been awarded the scholarship.[NEWLINE][BOUNDARY][NEWLINE]user: What kinds of scholarships are available?[NEWLINE]agent: There are merit based scholarships by meeting certain standards and they could be based on academics or talent.[NEWLINE]agent: Do you know scholarships sometimes are geared to certain groups such women or graduate students.[NEWLINE]user: No, I was not aware of that.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: Can I look in my library's reference section as a source for scholarships?
user: My school didn't give me the right amount of financial aid. Who do I talk to to get it fixed?[NEWLINE]agent: So you believe that your financial aid has not been administered properly?[NEWLINE]user: I mean, I don't know exactly but it doesn't seem right.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE]user: I think the amount I was supposed to get more. And there is another student with the same name as me so I think maybe it was mixed up. What do I do?[NEWLINE]agent: Ok, then this could be a simple mixup or a case of identity theft. Does that sound right to you?[NEWLINE][BOUNDARY][NEWLINE]user: Can you tell me on who I can contact to know who is my loan servicer?[NEWLINE]agent: very easy call the FSAIC Federal Student Aid Information Center at 1 - 800 - 433 - 3243.[NEWLINE][BOUNDARY][NEWLINE]user: I did not get the correct amount and I think my college or vocational school is mismanaging my financial aid, this is not correct[NEWLINE]agent: It could also be a case of something calculated incorrectly in the financial aid amount.[NEWLINE][BOUNDARY][NEWLINE]user: Btw, do you know about the FSAI. What will you ask me about when I fill it?[NEWLINE]agent: The FAFSA questions ask for your name, date of birth, address, and about your financial situation.[NEWLINE][BOUNDARY][NEWLINE]user: Anything more to add to my complaint about how my college or career school is handling my financial aid. Yes, that's a possibility. All I need to do now is figure out who to contact to get it fixed.[NEWLINE]agent: The first step would be to contact your school's financial aid department to try and get it straightened out.[NEWLINE][BOUNDARY][NEWLINE]user: Is there any way I could get a deferment on my student loan payments?
user: Hello. I have some doubts about how to make a complain, about the management of my aid.[NEWLINE]agent: Do you think your school is not doing a good work in the administration of your federal student aid?[NEWLINE]user: No, not exactly that.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE]user: Is common to found that the schools calculate the loans or aids in a wrong way?[NEWLINE]agent: There has been any kind of problems with the amount or timing of the aids with you?[NEWLINE]user: Yes. I There are been some delays on the payments.[NEWLINE]agent: In this case, we need to check this.[NEWLINE][BOUNDARY][NEWLINE]user: sure, and what do loan servicers do? What can happen if I move around or something like that or if my circumstances change during the pay period?[NEWLINE]agent: If your circumstances change at any time during your repayment period, your loan servicer will be able to help update your information and provide guidance.[NEWLINE][BOUNDARY][NEWLINE]user: Okay, so the main issue I used to have was that my payments were not made on time.[NEWLINE]agent: Alright, no problem. You can contact with your school, to talk about that.[NEWLINE][BOUNDARY][NEWLINE]user: Okay, now could you please tell me more about the scholarships offered by private and non-profit organizations?
user: I am having a problem with the financial aid that I am receiving and specifically with the way my school is administering the funds from this aid. Is there anywhere that I can make a complaint?[NEWLINE]agent: Have you good reason to believe that your school is not performing as it should in the administration of your financial aid?[NEWLINE]user: Yes, I believe they are doing a very bad job of handling my financial aid[NEWLINE]agent: In that case, I will direct you to the relevant section on the website that deals with all things financial connected with schools, where you will find the relevant information necessary to help you[NEWLINE][BOUNDARY][NEWLINE]user: There is something else about federal student loans, how much can I hope to get in financial aid?[NEWLINE]agent: You can get aid that goes from $5,000 up to $20,500. That is for Direct Subsidized Loans, plus Direct Unsubsidized Loans.[NEWLINE]agent: The can be affected for various factors so, Are you a dependent student?[NEWLINE]user: No, i'm independent.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: O.k, Thinking on another thing, how can i know what to expect in requirements for a school i like?[NEWLINE]agent: That should be available on the school's website. You go online and check it out so you can get an idea about their plans and opportunities.[NEWLINE]user: I suppose that documentation is a must in these cases, like visas, for example?
user: Is it possible to submit a complaint about how my college is administering my financial aid?[NEWLINE]agent: Do you actually think your school is not administering federal student aid funds right?[NEWLINE]user: Yes, I believe they are not handling federal student aid correctly.[NEWLINE]agent: I have some info that could help you determine how to solve the problem or submit a complaint.[NEWLINE][BOUNDARY][NEWLINE]user: Ok.  Now I want to inquire about federal work-study jobs.  Am I able to work as many hours as I desire?[NEWLINE]agent: No. The amount you earn can't exceed your total Federal Work-Study award.[NEWLINE]agent: Are you wondering how work hours are assigned?[NEWLINE]user: Yes, please explain.[NEWLINE]agent: In order to do so, your employer or your school's financial aid office will consider your class schedule and your academic progress.[NEWLINE][BOUNDARY][NEWLINE]user: How can I find out if my school takes part in the work-study program?[NEWLINE]agent: Check with your school's financial aid office to find out if your school participates.[NEWLINE][BOUNDARY][NEWLINE]user: I'll do that. What about jobs that are off campus?
user: I have some suspicions on how my college is using my student aid. What can I do about it?[NEWLINE]agent: Do you think your school is not administering federal student aid funds properly?[NEWLINE]user: That's what I think, yes.[NEWLINE]agent: I can give you some information to help you solve your problem or file a complaint. First, you should contact your schooll and try to solve your doubts with them and if you still think that the funds are not being used correctly then contact the Federal Student Aid Feedback Center or call 1-844-651-0077[NEWLINE][BOUNDARY][NEWLINE]user: Ok, thanks. Now, what if I'm called to serve actively in the military, can I get a deferment of my federal loan?[NEWLINE]agent: Yes, you'll qualify for deferment of repayment on any of your federal loans if that happens.[NEWLINE][BOUNDARY][NEWLINE]user: ok now regarding the federal student loan, how much money can be requested?[NEWLINE]agent: The maximum amount you can borrow each year in Subsidized Direct Loans and Unsubsidized Direct Loans varies from $ 5,500 to $ 12,500 per year, depending on what year you are in school and your state dependency.[NEWLINE][BOUNDARY][NEWLINE]user: If I have more general questions about the HEAL Program?[NEWLINE]agent: contact the ED HEAL Program Team at 1 - 844 - 509 - 8957 or HEAL@ed.gov.[NEWLINE][BOUNDARY][NEWLINE]user: and what happens when i sign my promissory note?
user: how do I file a complaint on my school's financial aid office?[NEWLINE]agent: Do you believe your school is not administering federal student aid funds properly?[NEWLINE]user: no, not overall maybe they are but I think they messed my aid up[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE]user: what if I think they may have given some of my aid to someone else?[NEWLINE]agent: I can link you to a page where you can Learn about identity theft and how to report it to our Office of Inspector General Hotline[NEWLINE][BOUNDARY][NEWLINE]user: When I transfer my information to the FAFSA form, I can also learn about identity theft. Can I choose to import all my information into the FAFSA form?[NEWLINE]agent: You can choose this, and if you do, you will see "Transferred from the IRS" displayed in the relevant field rather than your tax information. No changes can be made to that information[NEWLINE][BOUNDARY][NEWLINE]user: Is it possible to just file a lawsuit because they didn't follow protocol and messed up what I was supposed to get?[NEWLINE]agent: Yes, you can submit a complaint if you feel that your school calculated your eligibility for federal student grants, loans, or work-study incorrectly[NEWLINE][BOUNDARY][NEWLINE]user: Could you give me some help or someone to call to help me learn about financial aid?[NEWLINE]agent: You can explore how financial aid works, learn about the types of aid, and find out if you are eligible and estimate what aid you might get at FAFSA4caster.[NEWLINE][BOUNDARY][NEWLINE]user: Is it right to say I'm dealing with school when it comes to financial assistance, or is it managed by the federal government?[NEWLINE]agent: Your college or career school not the U.S. Department of Education will distribute your financial aid.[NEWLINE][BOUNDARY][NEWLINE]user: Do you also have info on how to apply for army ROTC scholarships?
user: My Dad was in the military. I need to know if this qualifies me for any kind of financial aid for college.[NEWLINE]agent: For military families, scholarships and loan repayment assistance are available to you from several sources.[NEWLINE][BOUNDARY][NEWLINE]user: Where can I submit a complaint about ow my college is using my financial aid?[NEWLINE]agent: I can provide you with some information that may help you solve your problem or submit a complaint.[NEWLINE][BOUNDARY][NEWLINE]user: Got it. Is the Federal work for students offer a part-time work?[NEWLINE]agent: Yes, it provide part-time employment while you are in school.[NEWLINE][BOUNDARY][NEWLINE]user: Could I get a job on campus or off campus?[NEWLINE]agent: Actually you could get both.[NEWLINE]agent: Will you be working on campus?[NEWLINE]user: No I am not.[NEWLINE]agent: Then, will you work off campus?[NEWLINE]user: Yes, I am working off campus.
user: tell me about tax benefits for school purposes[NEWLINE]agent: Tax benefits can be used to get back some of the money you spend on tuition or loan interest or to maximize your college savings.[NEWLINE][BOUNDARY][NEWLINE]user: how much can I claim on the lifetime learning credit?[NEWLINE]agent: It allows you to claim up to $2,000 per student per year for tuition and fees, as well as for books, supplies, and equipment that were required for the course and had to be purchased from the school.[NEWLINE][BOUNDARY][NEWLINE]user: I have another question about tax benefits for school purposes that I'd like to ask. Where can I read more about college budgeting and what I should do?[NEWLINE]agent: I can share a link with you that will give you a lot of information about this particular subject[NEWLINE][BOUNDARY][NEWLINE]user: I want to find out if it will be worth my while going to college or not, or if I should take a job straight from school, is this something you could help me with?[NEWLINE]agent: College education is a long term investment and when planned carefully, can lead to success by choosing the correct school and funding options that suit you best[NEWLINE][BOUNDARY][NEWLINE]user: Is there any information you could give me regarding resources that there are for the parents of students?[NEWLINE]agent: Are you a parent of a child that will be attending college shortly or in the near future?[NEWLINE]user: Yes, I am in that category
user: I could use some tax benefits help[NEWLINE]agent: Okay, tax benefits can be used to get back some of the money you spend on tuition or loan interest or to maximize your college savings.[NEWLINE][BOUNDARY][NEWLINE]user: how do they help me?[NEWLINE]agent: They help offset the costs of college by reducing the amount of your income tax.[NEWLINE]agent: Did you miss filing a tax return this year?[NEWLINE]user: no I filed[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE]user: can you give me an example of one of these credits?[NEWLINE]agent: Okay, The Lifetime Learning Credit allows you to claim up to $2,000 per student per year for any college or career school tuition and fees, as well as for books, supplies, and equipment that were required for the course and had to be purchased from the school.[NEWLINE][BOUNDARY][NEWLINE]user: I see. Let me ask another question. How can I get that learning credit that I mentioned earlier?. What do I do if I forgot my security questions to change my password?[NEWLINE]agent: You will need to go through the FSA ID Account Recovery process. You’ll send in copies of identification, and the email address on your account will reset to one you can access.[NEWLINE][BOUNDARY][NEWLINE]user: can we get help with the forms if we have problems?
user: how can tax benefits help me?[NEWLINE]agent: They help you by getting you back some of the money you spend on tuition or loan interest or they can maximize your college savings.[NEWLINE][BOUNDARY][NEWLINE]user: what is the most I can claim as a credit?[NEWLINE]agent: The American Opportunity Credit allows you to claim up to $2,500 per student per year for the first four years of school.[NEWLINE][BOUNDARY][NEWLINE]user: Another question for you regarding student aid scams. I see. And how do I report fraud or identity theft?[NEWLINE][BOUNDARY][NEWLINE]agent: Do you want to report financial aid fraud?[NEWLINE]user: Yes, that was the plan.[NEWLINE]agent: A company charging for financial aid advice is not committing fraud unless it doesn't deliver what it promises.[NEWLINE]agent: Would you like to get more information about financial aid fraud or to report fraud?[NEWLINE]user: Yes, please.[NEWLINE]agent: Then you should contact the Federal Trade Commission and the Consumer Financial Protection Bureau.[NEWLINE][BOUNDARY][NEWLINE]user: I'd also like to change my FSA password. How do I do this?
user: Hi there. I'm looking information related to economic aid for college students.[NEWLINE]agent: Great. Well, yes, it is possible to get aids for your college studies, for tuition and maximize your college savings.[NEWLINE][BOUNDARY][NEWLINE]user: This tuition programs, do you bring help about it?[NEWLINE]agent: Yes, you can always ask to the financial aid office or admissions staff about this topic.[NEWLINE][BOUNDARY][NEWLINE]user: Another thing to consider when changing your FSA ID password if it has been shared. What can they do if they have my FSA ID number?[NEWLINE]agent: They can make changes to your account without your permission.[NEWLINE][BOUNDARY][NEWLINE]user: Can you also help me with these places that offer to help you with your student loans?[NEWLINE][BOUNDARY][NEWLINE]agent: Do you need help identifying a potential Student Loan scam?[NEWLINE]user: yes I was contacted by a place that doesn't seem legit
user: Are there any tax benefits that I can avail of when paying for education?[NEWLINE]agent: Yes there are, you can earn tax benefits to get back some of the money you have spent on education, which will maximize your college savings[NEWLINE][BOUNDARY][NEWLINE]user: Where can I find more information on Qualified Tuition Programs?[NEWLINE]agent: The best advice is to contact the financial aid or admissions staff at your school, they can help you with all of this[NEWLINE][BOUNDARY][NEWLINE]user: I am interested in the Student Loan Interest Deduction scheme, can you give me further information about this please?[NEWLINE]agent: If you took out a student loan for yourself, your spouse or your dependent, you can avail of a tax deduction for any interest that was paid on these loans. This tax benefit applied to all loans that were taken out for education, not just federal student loans. The maximum deduction that you can avail of is $2,500 per year[NEWLINE][BOUNDARY][NEWLINE]user: That's great to hear! Another query concerning FSA ID details. What can anyone do with my FSA ID number?[NEWLINE]agent: They can make changes to your account without your permission.[NEWLINE][BOUNDARY][NEWLINE]user: Can you also help me with these places that offer to help you with your student loans?[NEWLINE][BOUNDARY][NEWLINE]agent: Do you need help identifying a potential Student Loan scam?[NEWLINE]user: yes I was contacted by a place that doesn't seem legit
user: Is it true the IRS provides tax benefits for education?[NEWLINE]agent: Yes and the tax benefits could be used to get back some money you spent on tuition or loan interest.[NEWLINE][BOUNDARY][NEWLINE]user: What are Qualified Tuition Programs?[NEWLINE]agent: A QTP or 529 Plan is established by a state or school so you are able to prepay or save up to pay for your education related expenses and once withdrawn for school it will not be taxed.[NEWLINE]user: How will I know if my college I plan on going to takes part in the QTP?[NEWLINE]agent: Just ask your financial aid office or admission staff.[NEWLINE][BOUNDARY][NEWLINE]user: OK thank you. I would also like to find out about student loans. How can I find out which is the best payment plan option for me?[NEWLINE]agent: The checklist will guide you through this. It will also provide you with information about making payments.[NEWLINE][BOUNDARY][NEWLINE]user: Who handles the billing and services for my federal student loans?[NEWLINE]agent: Your loan servicer is responsible for this. In most cases, you will have one loan servicer for al of your federal student loans, but it is possible that you could have more than one.[NEWLINE][BOUNDARY][NEWLINE]user: When do you begin paying on most loans?
user: I want to know about tax benefits and school costs[NEWLINE]agent: Tax benefits can be used to get back some of the money you spend on tuition[NEWLINE][BOUNDARY][NEWLINE]user: do you have anything about a savings plan for school?[NEWLINE]agent: Yes, I can help you learn more about state 529 plans[NEWLINE][BOUNDARY][NEWLINE]user: What information should be reported if it is stolen?[NEWLINE]agent: You should quickly report all lost or stolen IDs to the issuer or even to the police if appropriate.[NEWLINE][BOUNDARY][NEWLINE]user: What should I do if my FSA ID or password has been shared?[NEWLINE]agent: It is best to log in to your account using your username and password and once logged in change your account information so no one else can access it.[NEWLINE]agent: Does someone else have access to your FSA ID information?[NEWLINE]user: No, not that I know of.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: What if I have questions or need help with my student loans?
user: tell me about college tax benefits[NEWLINE]agent: Tax benefits can be used to get back some of the money you spend on college.[NEWLINE][BOUNDARY][NEWLINE]user: tax credits?[NEWLINE]agent: Tax credits is one way to offset the costs of college or career school by lowering the amount of your income tax.[NEWLINE]agent: null[NEWLINE]user: no[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE]user: what's one way to use a tax credit?[NEWLINE]agent: You can use the American Opportunity Credit it allows you to claim up to $2,500 per student per year for the first four years of school as you work toward a degree.[NEWLINE][BOUNDARY][NEWLINE]user: I see, and I would like to know what college options I can choose to apply for credit?[NEWLINE]agent: You have a variety of college options, from two-year community and junior colleges, to four-year colleges and universities, to technical, vocational, and trade schools.[NEWLINE][BOUNDARY][NEWLINE]user: Great. I've also seen some checklists on the website. What are they good for?