elplaguister/DTS_session_datasets huggingface dataset:
user: Good morning, how you doing?. I've thinking about getting a student aid, but need some info about what could i need for it.[NEWLINE]agent: Hey there, welcome. Indeed, need to meet some basic criteria to access federal aid, so we could go with those and see if you meet them.[NEWLINE][BOUNDARY][NEWLINE]user: Alright. I guess one of the obvious ones is to be an american citizen to apply, right?[NEWLINE]agent: That's correct. However, is not limited no U.S nationals only. Even noncitizen can apply, if they are eligible.[NEWLINE][BOUNDARY][NEWLINE]user: Oh, that's nice. Speak much about inclusion. Say, I just remember this, what are the ways to show I'm qualified to access higher education?[NEWLINE]agent: Do you mean something like an ability test? Because you have the ability to benefit test. Is that what you're looking for?[NEWLINE]user: Yeah, correct, I think that should be the thing i need to know about.[NEWLINE]agent: Good. To be able for an ability to benefit test, which can be administered by a college, you had to be enrolled in college or career school prior July 1, 2012 or being currently enrolled in a eligible career pathway program.[NEWLINE]user: Did you say before July 1st, aren't you?[NEWLINE]agent: That's right. The deadline was July 1, 2012.[NEWLINE][BOUNDARY][NEWLINE]user: O.k, got that written down. Hey, talking again about criteria, could you tell me more examples?
user: Hi, I'd like to know what requirements I must meet to qualify for federal student aid.[NEWLINE]agent: We need to review the basic eligibility criteria.[NEWLINE][BOUNDARY][NEWLINE]user: What requirements must I meet to remain eligible?[NEWLINE]agent: among the requirements is to maintain satisfactory academic progress in the university or vocational school[NEWLINE]user: What things should I avoid when I sign the certification statement?[NEWLINE]agent: you don't owe money on a federal student scholarship,[NEWLINE]user: How can I show that I am qualified?[NEWLINE]agent: Do you have a high school diploma or a recognized equivalent such as a General Educational Development GED certificate?[NEWLINE]user: no[NEWLINE]agent: have you completed a secondary education?[NEWLINE]user: yes[NEWLINE]agent: then you may qualify for a college or career education[NEWLINE][BOUNDARY][NEWLINE]user: and should I register for the selective service?
user: Hello, what are the requirements for federal aid?[NEWLINE]agent: To qualify for aid, basic eligibility criteria must be met[NEWLINE][BOUNDARY][NEWLINE]user: It is noteworthy that financial aid the school offers an eligible career program.[NEWLINE]agent: La capacidad con la que cuenta la institución es importante[NEWLINE][BOUNDARY][NEWLINE]user: If it is male, the ages must be between 18 and 25.[NEWLINE]agent: In addition you must be enrolled or accepted to enroll as a regular student.[NEWLINE][BOUNDARY][NEWLINE]user: It is important to demonstrate that you must be qualified to obtain a higher education[NEWLINE]agent: The university can administer a test to determine if it can benefit from academic aid.[NEWLINE]user: The true need for academic help must be demonstrated.[NEWLINE]agent: Complete six credit hours or equivalent course work to earn a degree or certificate to qualify for academic aid.[NEWLINE]user: Most likely, you may not get help while you earn six credit hours.
user: hi[NEWLINE]agent: hi[NEWLINE][BOUNDARY][NEWLINE]user: hi[NEWLINE]agent: hi[NEWLINE]user: Oh, i see. But, that is mandatory for everyone who request federal student aid? Because I'm a noncitizen, from Marshall Islands, to be specific.[NEWLINE]agent: IF that's your case, and your documentation effectively proves that, then you are exempt from that registration.[NEWLINE][BOUNDARY][NEWLINE]user: Wow, that's a relief. Sorry, i don't mean anything wrong with that, just that i was already overthinking all the thing. Well, another question now, the other day I read something about a test to show my value on he hopes for higher education. Do you know about that?[NEWLINE]agent: You're talking about the ability to benefit test. Don't you have a diploma or GED?[NEWLINE]user: No, i don't have one.[NEWLINE]agent: O.k. Now, have you completed credit hours or equivalent course work toward a degree or certificate, six hours to be precise?[NEWLINE]user: No, nothing like that, sorry.
user: Is there certain requirements I need to qualify for federal student aid?[NEWLINE]agent: Yes we can go over the basic eligibility criteria.[NEWLINE][BOUNDARY][NEWLINE]user: Is it necessary for me to register for Selective Service if I am a male to receive federal student aid?[NEWLINE]agent: Yes since you are a male you must register with Selective Service to receive federal student aid.[NEWLINE][BOUNDARY][NEWLINE]user: How many credits must I take to be eligible for Direct Loan Program funds?[NEWLINE]agent: You must be enrolled at the college for at least half-time to be eligible for Direct Loan Program funds.[NEWLINE]user: What is another criteria beside being registered with Selective Service?[NEWLINE]agent: Another criteria is to be enrolled or accepted for enrollment as a regular student in an eligible degree or certificate program.[NEWLINE][BOUNDARY][NEWLINE]user: Why must I register for Selective Service if I want federal student aid?[NEWLINE]agent: You must register with Selective Service if you are a male and want to receive federal student aid.[NEWLINE]agent: Are you a citizen of one of the Federated States of Micronesia, the Republic of the Marshall Islands, or the Republic of Palau?[NEWLINE]user: Yes, I am a citizen of one of those.
user: Hello, can you tell me what is required to qualify for federal student aid?[NEWLINE]agent: It is vital to review the eligibility processes.[NEWLINE][BOUNDARY][NEWLINE]user: What is the profit capacity?[NEWLINE]agent: This benefit is primarily if you were enrolled in a university or vocational school.[NEWLINE][BOUNDARY][NEWLINE]user: Can you expand that information further?[NEWLINE]agent: It consists of being enrolled at least half time to be eligible.[NEWLINE]user: Need to show that you are qualified for such help?[NEWLINE]agent: Exactly, it is vital to have a high school diploma.[NEWLINE]user: What else is needed please?[NEWLINE]agent: It is essential that you complete a secondary education.[NEWLINE]user: Perfect, what else do I need to know?[NEWLINE]agent: You must also enroll in an eligible professional career program and complete one of the alternatives.[NEWLINE]user: Perfect and what else?
user: are charges added if my loan is being collected by a debt collector?[NEWLINE]agent: Have you defaulted on your federal school loan?[NEWLINE]user: yes and a collection agency is involved[NEWLINE]agent: You are liable for the costs of collecting your defaulted federal student loans. The largest of these costs are usually the costs of placing your loan with a private collection agency. They amount to 17.92% of your outstanding balance, which includes principal, interest, and fees.[NEWLINE][BOUNDARY][NEWLINE]user: how do I know what collection agency to get in touch with?[NEWLINE]agent: Do you have a federal student loan?[NEWLINE]user: no, isn't it with someone else...it could be a federal student loan[NEWLINE]agent: Have you heard from a collection agency regarding your loan?[NEWLINE]user: yes[NEWLINE]agent: You can contact ED’s Default Resolution Group to find which collection agency you are dealing with.[NEWLINE][BOUNDARY][NEWLINE]user: are the people trying to charge me to get my loan taken care of legit?
user: Are there additional costs that I would have to pay if my student loan was handed to a collection agency?[NEWLINE]agent: Are you currently in default with your student loan?[NEWLINE]user: Yes, I have fallen into arrears on my loan and am fearful that it will be handed over to a collection agency[NEWLINE]agent: If a collection agency is involved, you will liable for any of the costs involved in handing over the loan. The costs involved are equal to 17.92% of your outstanding balance, this amount includes principal, interest and fees[NEWLINE][BOUNDARY][NEWLINE]user: I have heard that some people have been told that their loans can be taken out of default for a fee. Is this true?[NEWLINE]agent: The best advice in this instance is to ignore this. Your loan can be taken out of default for free through the Default Resolution Group[NEWLINE][BOUNDARY][NEWLINE]user: Am I notified when a Treasury Offset is about to happen with my Student loan?[NEWLINE]agent: A notice of intent to offset your loan will be sent to your last known address. This notice will inform you that the offset will begin in 65 days. Normally, this correspondence will only be sent once[NEWLINE][BOUNDARY][NEWLINE]user: Is there any way that I can contact the Collection Agency involved with my Student Loan?[NEWLINE]agent: The Department of Education currently deals with the collection agencies as they are contracted to do so. A list is available on the website[NEWLINE][BOUNDARY][NEWLINE]user: What is the outcome if I don't agree to a repayment agreement on my defaulted student loan?
user: are they going to add fees to my loan if a debt collector gets involved?[NEWLINE]agent: Have you defaulted on a federal student loan?[NEWLINE]user: not yet but you know[NEWLINE][BOUNDARY][NEWLINE]user: who do I talk to about wage garnishment or avoiding it?[NEWLINE]agent: You can contact your loan holder.[NEWLINE][BOUNDARY][NEWLINE]user: what happens when the debt collector gets involved?[NEWLINE]agent: If your loan is placed with a collection agency, you will be responsible for costs incurred by your loan holder to get payment. These costs amount to 17.92% of your loan amount if your loan is held by ED. Other loan holders may charge a different amount.[NEWLINE][BOUNDARY][NEWLINE]user: will they let me know before they pass my loan on to someone else to collect?[NEWLINE]agent: Yes, they will let you know. Before a defaulted loan is placed with a private collection agency, you will get an explanation on what you can do to avoid both the assignment to a private collection agency and the reporting of default status to credit agencies.[NEWLINE][BOUNDARY][NEWLINE]user: are these people that offer to help me with the loan for a fee any good?
user: I'm getting calls from someone who wants to charge me fees to get my federal loan out of default.[NEWLINE]agent: This is a scam. The first thing you should do is contact the Default Resolution Group for help.[NEWLINE]agent: Are they asking you to pay for enrollment or maintenance fees?[NEWLINE]user: Yes, they are asking for maintenance fees.[NEWLINE]agent: Okay. The best thing to do is ignore them when they try to contact you. If you are in need of real help with your defaulted loan, the Default Resolution Group can help you for free.[NEWLINE]user: Where can I go to learn more about protecting myself from these types of scams?[NEWLINE]agent: You should take a look at our blog post titled, "Don't Be Fooled: You Never Have to Pay for Student Loan Help".[NEWLINE][BOUNDARY][NEWLINE]user: Thank you. I'm afraid that my defaulted student loan will cause my wages to be garnished. How can I avoid this.[NEWLINE]agent: One way you can avoid garnishment is to make a request for a hearing.[NEWLINE]user: I lost my job last year and have just stared a new job 2 months ago. Will my wages still be garnished?[NEWLINE]agent: This is definitely something that you should bring up at the hearing. Since you have been employed for less than 12 months after having previously been involuntarily separated from your employment, it may be ruled that your wages cannot be garnished at this time.[NEWLINE]user: What rights do I have with garnishment?
user: I just got contacted by someone offering me to get my federal student loan out of default and his asking for some fees.[NEWLINE]agent:  If it's not the Default Resolution Group then you should walk away.[NEWLINE]agent: Was it a company that contacted you asking for fees?[NEWLINE]user: It wasn't.[NEWLINE]agent: Do you need to know more about this?[NEWLINE]user: Not right now.[NEWLINE][BOUNDARY][NEWLINE]user: But I want to know about wage garnishing.[NEWLINE]agent: For that matter, you should contact your loan holder.[NEWLINE]user: Ok, but do you have any tips on how to avoid the garnishment of 15% of my disposable pay?[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: what will happen if I default on a student loan?[NEWLINE]agent: Have you defaulted on your federal student loan?[NEWLINE]user: no, just wondering[NEWLINE]agent: Have you looked into repayment arrangements?[NEWLINE]user: no I just started looking for info to be prepared if it happens[NEWLINE][BOUNDARY][NEWLINE]user: who can I call if I think someone is trying to scam me because of my loan?[NEWLINE]agent: Stay away from anyone you feel is trying to take advantage of the situation and contact the Default Resolution Group.  The Default Resolution Group can help you get your loan out of default for free[NEWLINE][BOUNDARY][NEWLINE]user: what are some of the things that they can do to me if I default on a Federal Family loan?[NEWLINE]agent: Your state tax refunds may also be withheld and applied toward repayment of your loan, and you may also lose your driver's license or other state-issued licenses.[NEWLINE]user: can I fight this?
user: I have been contacted by someone who has told me that they can get my federal student loan out of default for a fee. What should I do?[NEWLINE]agent: You first port of call in this instance should always be the Default Resolution Group[NEWLINE]agent: Has any company sought "enrollment", "subscription" or "maintenance" fees from you to help get you out of default?[NEWLINE]user: Yes, I have been contacted in this manner[NEWLINE]agent: Your first action here should be to walk away. Your loan can be moved out of default for free with the Default Resolution Group[NEWLINE][BOUNDARY][NEWLINE]user: Is there any way that I can avoid having 15% of my wages garnished when dealing with loan collections?[NEWLINE]agent: One way to avoid this is to come to an agreement with the ED and negotiate better repayment terms for you which are acceptable by the ED or the private collection agency. You must ensure that the ED receives the first payment that is due no later than 30 days from the date of garnishment[NEWLINE][BOUNDARY][NEWLINE]user: Is there anywhere that I can learn more about companies seeking fees to get my loan out of default?[NEWLINE]agent: You should read our blog post called "Don't Be Fooled; You Never Have to Pay for Student Loan Help"[NEWLINE][BOUNDARY][NEWLINE]user: Are there other collection costs applicable apart from the cost of placing my loan with a collections agency?[NEWLINE]agent: You may have other costs, such as Treasury offset processing fees. There may also be costs associated with potential civil litigation from the Department of Justice[NEWLINE][BOUNDARY][NEWLINE]user: How do collection agencies work when they take over a loan that is in default?
user: Hi there. I would like some information related to the fact that my loan is placed with a collection agency.[NEWLINE]agent: Sure. But, we need to ask, is your loan on default?[NEWLINE]user: No, not at all.[NEWLINE][BOUNDARY][NEWLINE]user: Thanks. My main problem is that I got a email saying that I was getting extra fees to get my student loan out of default, and I want to know, what can I do about it?[NEWLINE]agent: In that case, you need to contact the default resolution group to be sure of this information.[NEWLINE]user: Even if this says that is to get my loan out of default?[NEWLINE]agent: Yes, yes, the best thing you can do is contact the default resolution group directly.[NEWLINE]user: SOme of the parts of the email said stuff like I had to pay something about some subscription, is this normal?[NEWLINE]agent: No, that's not normal or legal. If any company ask you something like that you should walk away.[NEWLINE][BOUNDARY][NEWLINE]user: I see... But I have heard about some collection agencies, but I don't know how to get in contact with them, what can I do?
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: But who I can contact to be able to talk with?[NEWLINE]agent: For this, is better you get in contact with your loan holder, which is prepared to help you.[NEWLINE][BOUNDARY][NEWLINE]user: Normally, how much are the interest and fees that are apply on the 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]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?
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: What is the process of joining the military service?[NEWLINE]agent: First you need to get in touch with a recruiter to learn more about the service with each branch.[NEWLINE][BOUNDARY][NEWLINE]user: I think my school did not calculate my eligibility for federal student grants, loans, or work-study correctly, what should I do?[NEWLINE]agent: Did your school pay out your aid or credit balance incorrectly in the wrong amount, at the wrong time, or not at all?[NEWLINE]user: Yes, they did not pay out what they stated.[NEWLINE]agent: You would need to call the Federal Student Aid Feedback center.[NEWLINE][BOUNDARY][NEWLINE]user: What should I expect if I receive a Federal Pell Grant?
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]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]user: I just didn't get the right amount and I think someone did something wrong somewhere. I don't know if any rules were broken but it's just not right.[NEWLINE]agent: It could also be a case of something calculated incorrectly in the financial aid amount.[NEWLINE]user: Yes, it could be that too. I just need to know 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]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]user: Alright, well, the biggest problem I use to have is the fact that my payment is not made in time.[NEWLINE]agent: Alright, no problem. You can contact with your school, to talk about that.[NEWLINE]user: But what happens if I believe there was a violation of the policies of the federal student aid program?
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]user: What happens if I believe that I have evidence that my school is in violation of its own policies or federal regulations with regards to the handling of my funding, where do I go with this?[NEWLINE]agent: Something like this could arise when your school incorrectly calculated your eligibility for federal student grants, loans or work-study[NEWLINE][BOUNDARY][NEWLINE]user: Is there a difference between the Iraq and Afghanistan Service Grant and the Pell Grant?[NEWLINE]agent: The maximum amount awarded by the Iraq and Afghanistan Service Grant is the same as that awarded by the Pell Grant. With both of these grants, your EFC is not affected which means that your eligibility for any need-based federal student aid will also not be affected[NEWLINE][BOUNDARY][NEWLINE]user: How do I further my complaint with my school over my belief that they have mishandled the administration of funding of my financial aid?[NEWLINE]agent: The next steps you take depends on the particular situation. If you have tried to solve the problem between the school and yourself but to no avail, then you may contact the Federal Student Aid Feedback Center or call 1-844-651-0077. If you suspect that your school has given your funding to someone else, then you should familiarise yourself with identity theft and how to report it to our Office of Inspector General Hotline[NEWLINE][BOUNDARY][NEWLINE]user: Is there anywhere I can go to learn more about military service?