elplaguister/DTS_session_datasets huggingface dataset:
user: I want to suspend my student loan payments, due to the current crisis. Can you help me with that?[NEWLINE]agent: Of course. We'll help you stay on the path to successful repayment of your federal student loan.[NEWLINE]user: Even if I just started to repay my loan?[NEWLINE]agent: Yes. Whether you are just beginning to repay your student loan s or have been in repayment for a while, sometimes you might have trouble affording your payment amount. Fortunately, there are solutions.[NEWLINE][BOUNDARY][NEWLINE]user: I see. What if I don't recertify on time?[NEWLINE]agent: In that case you'll be removed from the income-driven repayment plan and your monthly amount due will very likely increase.[NEWLINE][BOUNDARY][NEWLINE]user: Do you also know about this Temporary Relief for loans, 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: Hello, I need to know if I can somehow lower my student loan payments. Times are tough.[NEWLINE]agent: Of course. We'll help you stay on the path to successful repayment of your federal student loan.[NEWLINE][BOUNDARY][NEWLINE]user: That's reassuring. But what if I don't recertify on time?[NEWLINE]agent: In that case you'll be removed from the income-driven repayment plan and your monthly amount due will very likely increase.[NEWLINE][BOUNDARY][NEWLINE]user: I have another question regarding payments to other loan servicers, what is the procedure?[NEWLINE]agent: First, find you loan servicer's contact information.[NEWLINE]user: what happens when I use automatic debit?[NEWLINE]agent: You could get some kind of incentive if you use automatic debit.[NEWLINE]user: Is there a bonus available for automatic debit?
user: I'd like to suspend my student loan payments, but I don't know if or how I can.[NEWLINE]agent: Of course. We'll help you stay on the path to successful repayment of your federal student loan.[NEWLINE][BOUNDARY][NEWLINE]user: Great. Can you tell me more about deferment and forbearance, for starters?[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]agent: Yes. You can learn more about deferment and forbearance on our website.[NEWLINE][BOUNDARY][NEWLINE]user: Okay. Now, about these administrative forbearance and suspension of payments, what options do I have if I had a decrease in income?[NEWLINE]agent: You can apply to have your current IDR plan recalculated. You don't have to wait until your annual recertification is due.[NEWLINE][BOUNDARY][NEWLINE]user: I see. Is there a way to get temporary relief?[NEWLINE]agent: A deferment or forbearance allows you to temporarily stop making your federal student loan payments or temporarily reduce your monthly payment amount. This may help you avoid default.[NEWLINE][BOUNDARY][NEWLINE]user: Can you also tell me why I should apply for an income-driven plan?[NEWLINE]agent: Yes. An income-driven repayment (IDR) plan can make your payments more affordable because they are based on your income. Under an IDR plan, payments may be as low as $0 per month. You can estimate your monthly payments using Loan Simulator.[NEWLINE]agent: Do you want to know what to do after you apply?
user: You can help me by telling me how to suspend my student loan payments. I can't pay them at the moment.[NEWLINE]agent: Of course. We'll help you stay on the path to successful repayment of your federal student loan.[NEWLINE][BOUNDARY][NEWLINE]user: Can I change my income-driven repayment plan somehow?[NEWLINE]agent: Did you have an increase in family size or a decrease in income?[NEWLINE]user: No, nothing of that has changed. Just my expenses.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: Does your website have any information about forbearance?[NEWLINE][BOUNDARY][NEWLINE]user: I need to know if it owns it if not to look for that information elsewhere. Why will that interest be compounded?[NEWLINE]agent: that's 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 on most payment plans[NEWLINE][BOUNDARY][NEWLINE]agent: Yes, you can learn more about deferment and forbearance on our website.[NEWLINE][BOUNDARY][NEWLINE]user: another question for you regarding  IDR plan. What if I recently had a decrease in income?[NEWLINE]agent: In that case you can apply to have your current IDR plan recalculated. You don't have to wait until your annual recertification is due.[NEWLINE][BOUNDARY][NEWLINE]user: Well, that's good to know. Can I get some temporary relief, too?
user: Could you help me understand how to repay my federal student loan without going into default?[NEWLINE]agent: First you should understand your loan agreement, make sure you know all loan info, and make sure to get ahold of your loan servicer when you might have trouble making your payment.[NEWLINE]agent: Have you missed a payment or made a payment late?[NEWLINE]user: Yes, I have missed a payment.[NEWLINE]agent: Then you would be considered delinquent and late fees probably will be added to what is due; but there is a chance that you could avoid default by contacting your loan servicer.[NEWLINE][BOUNDARY][NEWLINE]user: What should I do when I receive the welcome letter from my new administrator?[NEWLINE]agent: You must do the following, do you want to know?[NEWLINE][BOUNDARY][NEWLINE]user: I would like to know something about the successful payment of the federal student loan and avoid falling into default, is there an effective way to follow or track my loans online?[NEWLINE]agent: Yes, you can find out about all your federal student loans from the US Department of Education by signing in to "My Federal Student Aid".[NEWLINE][BOUNDARY][NEWLINE]user: Do you also know about Get Relief. I can do this even by applying for deferral and forbearance.[NEWLINE]agent: Yes, you can, but you need to keep in mind some considerations.[NEWLINE][BOUNDARY][NEWLINE]user: ok, another question, what steps should I take to choose the best loan? know of someone who has defaulted on their student loan? What would be the recommendations for not defaulting on my loan?[NEWLINE]agent: Always try to avoid default first of all and take the time to comprehend your loan agreements and what are the exact loan types you are getting; and never borrow more money than you need or more than you expect to pay back.[NEWLINE]user: What should I do if my federal student loan is delinquent?[NEWLINE]agent: You should look into the Student Loan Debt Collection Assistant, which the US Department of Education developed along with Consumer Financial Protection Bureau because it has tools that will give you access to special repayment options.[NEWLINE][BOUNDARY][NEWLINE]user: What is my promissory note?
user: Hello, can you advise me to pay your student loan?[NEWLINE]agent: It has to be pending in relation to the payment systems, so it is recommended that you contact your pre administrator.[NEWLINE]agent: Since it can bring complications by not making a payment in the stipulated time.[NEWLINE]user: What if I don't make a payment on time?[NEWLINE]agent: As penalties, charges may be generated for late payment charges, among other things.[NEWLINE][BOUNDARY][NEWLINE]user: There is something else about my loan payment, what are the changes, if I get an alternative repayment plan?[NEWLINE]agent: Under this alternative repayment plan, your required monthly payment is not based on your income.[NEWLINE][BOUNDARY][NEWLINE]user: Also, to avoid the default, what can you tell me about the loans and their default?[NEWLINE]agent: It is important to cancel in a stipulated time and request loans that you can pay.[NEWLINE]user: Okay. May I know how does a loan servicer assist me?[NEWLINE]agent: A loan servicer is a company that we assign to handle the billing and other services on your federal student loan on our behalf, at no cost to you.[NEWLINE]user: What can you tell me about Avoiding Default Steps? What is the Loan Debt Collection Assistant's role?[NEWLINE]agent: It is a tool that aims to give information on how to access the full range of special payment options available to you.[NEWLINE][BOUNDARY][NEWLINE]user: I wonder what would happen if I can't make a monthly payment?[NEWLINE]agent: It is important that you seek information from your loan servicer.[NEWLINE]user: Can you tell me about this topic?
user: What if I lost my job and cannot make my monthly student loan payment?[NEWLINE]agent: Are you not able to make your payment at this time?[NEWLINE]user: Yes, I am not able to make my student loan payment.[NEWLINE]agent: You should contact your loan servicer as quick as possible and they could help you with options at this time.[NEWLINE]user: Could I just let the delinquency or default notices alone until I can pay it?[NEWLINE]agent: It is smart to never ignore your delinquency or default notices from your loan servicer.[NEWLINE][BOUNDARY][NEWLINE]user: What about my promissory note?[NEWLINE]agent: You should always read your promissory note because it is a legal document and once signed it means you are legally responsible to repay your loan according to the terms.[NEWLINE][BOUNDARY][NEWLINE]user: I see. Let me ask another question. How much is the extension if I cannot pay with that 15% of my salary?. Ok, but do you have any advice on how to avoid the garnishment of 15% of my disposable salary?[NEWLINE]agent: You can negotiate repayment terms acceptable to ED or the private collection agent and ensure that ED receives the first payment no later than 30 days from the day the garnishment notice was sent.[NEWLINE][BOUNDARY][NEWLINE]user: cool. Can you tell me more about what should I do if I'm contacted by anyone that's not the Default Resolution Group about fees for getting my student loan out of default?
user: Hello, can you advise me on the mechanisms to pay your federal student loan without falling into default?[NEWLINE]agent: There are several mechanisms, such as extending your loan contract. In addition to contacting your administrator.[NEWLINE]user: What if you don't make a payment on time?[NEWLINE]agent: Primarily, you may be charged late fees.[NEWLINE][BOUNDARY][NEWLINE]user: Is it worth highlighting the importance of avoiding payment default?[NEWLINE]agent: It is important to note that it is important that you do not borrow more than you need or more than you expect to be able to pay.[NEWLINE][BOUNDARY][NEWLINE]user: Well I'm having some financial problems but nothing that can't be resolved. What if I want to consolidate a more defaulted loan that I got for my child's education?[NEWLINE]agent: The only income-driven plan you can choose is the Income-Contingent Repayment Plan (ICR).[NEWLINE]user: Ah, I see. So what do I need to do to reconsolidate a defaulted direct consolidation loan then?[NEWLINE]agent: You must also include at least one other eligible loan in the consolidation in addition to meeting one of two requirements.[NEWLINE][BOUNDARY][NEWLINE]user: Makes sense, but how can I rehabilitate a defaulted Federal Perkins Loan?
user: I would like to know what happens if I cannot make my monthly payment?[NEWLINE]agent: Do you have any kind of problem making your monthly payments?[NEWLINE]user: it is not my case I just need to inform about it[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: What are the steps to pay my federal student loan?[NEWLINE]agent: Before going through the steps you should make sure to contact your loan servicer if you are having trouble making payments can help you avoid default.[NEWLINE]user: ok but if i don't make a payment on time what can i expect?[NEWLINE]agent: Please note that if your loan is delinquent and late fees may apply. Even if you are behind on your loan, you can still avoid default, so it is important that you contact your loan servicer immediately.[NEWLINE][BOUNDARY][NEWLINE]user: Can my loan servicer help me if I can't pay? What could be an option?[NEWLINE][BOUNDARY][NEWLINE]user: I'd like to know if I apply for an Income-driven repayment plan, is this also connected to the amount of taxes I'll be required to pay on my loan forgiveness?[NEWLINE]agent: Yes, you will need to pay taxed based on the amount forgiven.[NEWLINE][BOUNDARY][NEWLINE]agent: if you can help for example to obtain a deferment or leniency on your debt[NEWLINE]user: What will happen if I disregard the large number of default notices from my loan servicer?
user: I'm having trouble making the payments on a loan[NEWLINE]agent: So you are having trouble making your monthly payments?[NEWLINE]user: yes[NEWLINE]agent: You can contact your loan servicer and they can help you understand your options[NEWLINE][BOUNDARY][NEWLINE]user: any advice I could have used before getting the loan?[NEWLINE]agent: You should fully understand your loan agreement and the type of loan you are receiving[NEWLINE][BOUNDARY][NEWLINE]user: What happens if I want to pay off the defaulted loan in three installments before you consolidate it?[NEWLINE]agent: choose to make three payments on the defaulted loan before you consolidate it.[NEWLINE][BOUNDARY][NEWLINE]user: What is the rehabilitation of the loan?[NEWLINE]agent: There are different programs for this. William D. Ford Federal Direct Loan (Direct Loan) Program and Federal Family Education Loan (FFEL) Program[NEWLINE][BOUNDARY][NEWLINE]user: How much can I pay to consolidate my loan?
user: What steps can I take to successfully repay my federal student loan and avoid default?[NEWLINE]agent: It is important to stay on top of your loan information, and making sure to contact your loan servicer if you are having trouble making payments can help you avoid default.[NEWLINE]agent: Do you want to know what happens if you don't make a payment on time or if you don't?[NEWLINE]user: yes[NEWLINE]agent: ok note that if this happens your loan is delinquent and late fees may be charged. Even if you are behind on your loan, you can still avoid default, so it is important that you contact your loan manager immediately.[NEWLINE][BOUNDARY][NEWLINE]user: Loan Consolidation is also something I'd like to learn about. What if I need to refinance a defaulted plus loan for my son's education?[NEWLINE]agent: The only income-driven plan you can choose is the Income-Contingent Repayment Plan (ICR).[NEWLINE][BOUNDARY][NEWLINE]user: I also want to ask about the loan agreement, what can I do to avoid non-compliance?[NEWLINE]agent: Take the time to fully understand your loan agreement and the types of loans you are receiving. It is also important that you do not borrow more than you need or more than you expect to be able to pay[NEWLINE][BOUNDARY][NEWLINE]user: Now I have a completely unrelated concern about the annual deadline. Are there any consequences if I don't re-certify my annual income and family size by the deadline?[NEWLINE]agent: In this instance, any unpaid interest will be capitalized added to the principal balance of your loans. This will increase the total cost of your loans over time, because you will then pay interest on the increased loan principal balance[NEWLINE][BOUNDARY][NEWLINE]user: I was looking on the internet. how can I track my loans online?[NEWLINE]agent: Find information on all your federal student loans from the US Department of Education by logging in to "My Federal Student Aid".[NEWLINE][BOUNDARY][NEWLINE]user: What is a point for which loans, scholarships or study and work funds must be repaid?[NEWLINE]agent: Please note that it is a legal document. Signing a promissory note means that you agree to repay the loan in accordance with the terms of the promissory note.[NEWLINE][BOUNDARY][NEWLINE]user: what advice can you give me to avoid non-compliance
user: I would like to know what happens if I cannot make my monthly payment?[NEWLINE]agent: Do you have trouble making your monthly payments?[NEWLINE]user: yes[NEWLINE]agent: You should contact your loan manager immediately. Your loan manager can help you understand your options.[NEWLINE][BOUNDARY][NEWLINE]user: One more thing to be more clear. Can a father consolidate a more defaulted loan for the education of his children?[NEWLINE]agent: The only income-driven plan they can choose is the Income-Contingent Repayment Plan[NEWLINE]user: can we do the loan consolidation with only one loan?[NEWLINE]agent: Yes, loan consolidation allows you to pay off a federal student loan with a new consolidation loan[NEWLINE]agent: Have you decided to make three payments on a defaulted loan before you consolidate it?[NEWLINE]user: no, I'm not there yet[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE]user: what comes next after I choose something like an income-driven plan for repayment?
user: How would I go about applying for a Total and Permanent Disability Discharge (TPD)?[NEWLINE]agent: You would need to complete a TPD discharge application and send it in along with any required documents to Nelnet, the TPD discharge servicer.[NEWLINE]user: How can I learn more about applying for this TPD discharge and obtain an application?[NEWLINE]agent: You should take the time to visit our TPD Discharge website at disabilitydischarge.com and select "Application Process".[NEWLINE][BOUNDARY][NEWLINE]user: Also, I need to really find out how TPD works. Is there a minimum or maximum amount to be repaid if I am approved for a loan forgiveness?[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 comes next after I'm given a permanent disability discharge on a loan?[NEWLINE]agent: That will depend on the type of documentation you submitted to show us that you qualified for a TPD discharge[NEWLINE][BOUNDARY][NEWLINE]user: well what if I submitted VA documentation?[NEWLINE]agent: Has it been determined that you are totally and permanently disabled based on documentation from the VA?[NEWLINE]user: no I want to gather info so I'm prepared[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE]user: so how would I qualify by submitting VA documentation?[NEWLINE]agent: You can qualify for a TPD discharge by providing documentation from the VA that shows you have received a VA disability determination because you 1 have a service-connected disability that is 100 percent disabling; or 2 are totally disabled based on an individual unemployability rating.[NEWLINE]user: for vets right?[NEWLINE]agent: Correct, If you are a veteran[NEWLINE][BOUNDARY][NEWLINE]user: what is going on after we do the permanent disability discharge application?
user: Hello, can you tell me what would happen if I was approved to register for TPD?[NEWLINE]agent: It is related to the TPD download but you should check if it qualifies for such a process.[NEWLINE][BOUNDARY][NEWLINE]user: What is the documentation to present?[NEWLINE]agent: It consists of verifying that you are totally and permanently disabled to qualify.[NEWLINE]user: Can you explain more about the VA documentation?[NEWLINE]agent: It is important that you look for information regarding Nelnet.[NEWLINE]user: Does the loan forgiveness program qualify to apply by contractors?[NEWLINE]agent: You have to be directly employed by a qualifying employer for your employment to count toward PSLF[NEWLINE][BOUNDARY][NEWLINE]user: what can I do if I missed sending in some employment certification forms?[NEWLINE]agent: When you apply for forgiveness, you will be asked to submit an Employment Certification Form for each employer you worked for while making the required 120 qualifying monthly payments.[NEWLINE]user: do we need to be employed at a federal job when we apply?
user: Hello, can you tell me if you have total disability can you qualify for a discharge of your federal loans?[NEWLINE]agent: Of course, it is important that you download the TPD for total and permanent disability.[NEWLINE]user: What requirements are needed to qualify for a TPD download?[NEWLINE]agent: It is noteworthy that you must complete and submit a TPD download request. In addition to sending some documents related to the topic.[NEWLINE]user: Another point to consider is whether you are eligible for a discharge of your federal student loan. Is it possible to use them to pay off student loans as well?[NEWLINE]agent: Can they also be used to pay off student loans?[NEWLINE][BOUNDARY][NEWLINE]user: How can I be eligible for a 100 percent loan download please?[NEWLINE]agent: How can I be eligible for a 100 percent loan download please?[NEWLINE]user: Why do you need to know that information?[NEWLINE]agent: You can be exempt from your loan if you were unable to complete your program because your school closed.[NEWLINE]user: What should happen to not be eligible to register your loans?
user: Could you please give me some information about finding out how to get a discharge of my federal student loans if I have recently become disabled?[NEWLINE]agent: A total and permanent disability discharge relieves you from having to repay a William D. Ford Federal District Loan Direct Loan Program loan, a Federal Family Education Loan FFEL Program loan, and/or a Federal Perkins Loan or to complete a TEACH Grant service obligation.[NEWLINE]agent: Are you attempting to qualify for the total and permanent disability discharge?[NEWLINE]user: I am not at this time.  I am just needing to seek information about the possibility.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE]user: Does this type of discharge actually also apply for TEACH Grant service obligations?[NEWLINE]agent: It does indeed.[NEWLINE][BOUNDARY][NEWLINE]user: I received several loans and was unable to complete any of it, or transfer credits before the school closed, is it possible for these loans to be discharged?[NEWLINE]agent: The only loans eligible for discharge are the ones for the program you didn't get to complete because of the school closure; not the ones you decided not to complete on your own and moved to another program.[NEWLINE]agent: Did you start a program and decide not to continue and move on to another field of study?[NEWLINE]user: No, that is not what happened.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: Are there certain criteria I need to meet to be eligible for a discharge of my federal student loan?