elplaguister/DTS_session_datasets huggingface dataset:
user: Hello there. I have some doubts related to the types of counseling.[NEWLINE]agent: Sure, no problem. But which kind of counseling? Maybe the entrance counseling?[NEWLINE]user: No, not that one. That's not the one I'm looking for, I think.[NEWLINE][BOUNDARY][NEWLINE]agent: OK. And what about the financial awareness counseling then?[NEWLINE]user: No, That's not the one either.[NEWLINE][BOUNDARY][NEWLINE]agent: Maybe the plus credit counseling perhaps?[NEWLINE]user: Yes, About that one.[NEWLINE]agent: Alright. The plus credit counseling is required if the u.s. department of education has informed you that you have an adverse credit history and have obtained and endorser or documented to the satisfaction of the u.s. department of education that there are extenuating circumstances related to your adverse credit history.[NEWLINE]agent: Also if you are a plus credit counseling you can complete voluntarily at any time, did you knew that?[NEWLINE]user: No, I wasn't aware of  that. But that's great to know.[NEWLINE][BOUNDARY][NEWLINE]user: And there is any other type of counseling?
user: I am in need of lowering or suspending my student loan payments.[NEWLINE]agent: We can help you stay on track to be sucessful at repaying of your federal student loan.[NEWLINE][BOUNDARY][NEWLINE]user: What happens after I apply for an income-driven repayment plan?[NEWLINE]agent: You federal loan servicer would notify you letting you know if you are eligible and if you qualify for a lower payment amount.[NEWLINE][BOUNDARY][NEWLINE]user: Are there solutions for me because I cannot afford my payment amounts?[NEWLINE]agent: Yes, there are solutions for situations when you cannot afford your repayment of your loans.[NEWLINE][BOUNDARY][NEWLINE]user: I have other quesitons.[NEWLINE]agent: You can find out what loans qualify and you can get additional information about forbearance and other student loan flexibilities due to COVID-19.[NEWLINE][BOUNDARY][NEWLINE]user: What happens if I do not recertify on time for my income-driven repayment plan?[NEWLINE]agent: You would be removed for the income-driven repayment plan and your monthly normal amount would probably increase  if you miss the recertification time.[NEWLINE][BOUNDARY][NEWLINE]user: Can I make changes to my income-driven repayment plan?[NEWLINE]agent: Do you have an increase in family size or a decrease in income?
user: Hi, I have come on hard times and am battling to pay my student loan. Is there a way I could lower my payments for a time?[NEWLINE]agent: Yes there is a way  you can make lower payment, we will help you successfully repay your loan.[NEWLINE][BOUNDARY][NEWLINE]user: If I qualify and apply for an Income-Driven Repayment Plan and am successful with my application, what happens after I apply?[NEWLINE]agent: Once you have applied your federal loan servicer will let you know regarding your eligibility and, if you qualify, what you loan payment amount will be.[NEWLINE][BOUNDARY][NEWLINE]user: I have an Income-Driven Repayment Plan but my income has decreased again what can I do?[NEWLINE]agent: If you income has dropped again you can recertify to have your new income taken into account.[NEWLINE]user: Do I have to recertify every year for my Income-Driven Repayment Plan?[NEWLINE]agent: Yes it is important that you recertify every year.[NEWLINE][BOUNDARY][NEWLINE]user: I have lost my part time job as a result of COVID-19 and am unable to make my payments on my student loan. Can I get help with this?[NEWLINE]agent: Am I correct then in assuming that you will not be able to make any sort of payment on your loan?[NEWLINE]user: Yes that is correct.
user: Hello, how can I lower or suspend my aid payments?[NEWLINE]agent: We will give you all the advice to carry out your procedures successfully.[NEWLINE][BOUNDARY][NEWLINE]user: Can you give me the advice?[NEWLINE]agent: The person in charge of processing your data is the federal loan administrator.[NEWLINE]user: What is the IDR plan?[NEWLINE]agent: You must first request the IDR plan.[NEWLINE][BOUNDARY][NEWLINE]user: How can I change the payment plan based on income please?[NEWLINE]agent: Applies if you meet an increase in family size or a decrease in income.[NEWLINE]user: Can you explain more what you just said?[NEWLINE][BOUNDARY][NEWLINE]user: They are based on your income, in addition to your convenience.
user: I'm having difficulty keeping up with my student loan payments and need to find a way to lower them.[NEWLINE]agent: I'll do my best to help you stay on the path of sucessful repayment of your student loans.[NEWLINE][BOUNDARY][NEWLINE]user: Thank you. Should I apply for an Income-Driven Repayment Plan?[NEWLINE]agent: An IDR plan can help make your payments more affordable, because they are based on your income.[NEWLINE]agent: Will you be applying for an IDR plan?[NEWLINE]user: I don't know yet. I need more information about IDR plans first.[NEWLINE][BOUNDARY][NEWLINE]user: Does it matter that I just started repaying my loan 6 months ago?[NEWLINE]agent: There are solutions for everyone, regardless of how long they have been repaying their loans.[NEWLINE][BOUNDARY][NEWLINE]user: How long does the suspension of payments due to Covid-19 last?[NEWLINE]agent: They began on March 13th, 2020 and will end on September 30th 2020.[NEWLINE][BOUNDARY][NEWLINE]user: How can I avoid defaulting on my loan?
user: Is it possible to lower or suspend my student loan payments?[NEWLINE]agent: We can help you with that so you can stay successful at repayment of your federal student loans.[NEWLINE][BOUNDARY][NEWLINE]user: What about during the COVID-19 pandemic?[NEWLINE]agent: All federal student loan borrowers are being placed into an administrative forbearance so no loan payments are due until after September 30, 2020.[NEWLINE][BOUNDARY][NEWLINE]user: What happens if I can't make repayments because a drop of income?[NEWLINE]agent: You are able to get recertified early so you new lower income will be in affect earlier.[NEWLINE][BOUNDARY][NEWLINE]user: Am I able to change my info for my income-driven repayment plan?[NEWLINE]agent: Do you have an increase in family size or a decrease in your income?[NEWLINE]user: No, I have not had a an increase in family size or decrease in income.[NEWLINE][BOUNDARY][NEWLINE]user: What happens after I apply for an income-driven repayment plan?
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: What should I do if I get less income due to the current crisis?[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: That's reassuring. And why should I apply for an income-driven repayment plan?[NEWLINE]agent: 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 the Loan Simulator.[NEWLINE][BOUNDARY][NEWLINE]user: Can I change my income-driven repayment plan?[NEWLINE]agent: Have you had an increase in family size or a decrease in income?
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: Well, I don't want that. What can you tell me about the process of recertification?[NEWLINE][BOUNDARY][NEWLINE]agent: Do you want to recertify your income-driven repayment plan?[NEWLINE]user: Yes, please tell me more about that.[NEWLINE]agent: Enrollment in an income-driven repayment plan is good for one year. Before the year is over, you need to recertify your income and family size to stay on the plan.[NEWLINE]agent: Can you NOT afford your current income-driven payments because you've had a drop in income?[NEWLINE]user: Yes, unfortunately.[NEWLINE]agent: Then you can recertify early to have your new income taken into account right away.[NEWLINE][BOUNDARY][NEWLINE]user: I see. How do I provide relief to student loan borrowers during the COVID-19 national emergency?
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]agent: Yes. You can learn more about deferment and forbearance on our website.[NEWLINE][BOUNDARY][NEWLINE]user: Alright, then I guess I'll check there. 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][BOUNDARY][NEWLINE]user: Does your website have any information about forbearance?[NEWLINE]agent: Yes, you can learn more about deferment and forbearance on our website.[NEWLINE][BOUNDARY][NEWLINE]user: 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: Is there an easy way to 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: What are the most important steps to avoid default of student loans?[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: What can you tell me more about loans?[NEWLINE]agent: It is important to cancel in a stipulated time and request loans that you can pay.[NEWLINE]user: What is the purpose of the Loan Debt Collection Assistant?[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: Is consolidation a good choice?[NEWLINE]agent: Yes, you might want to combine your multiple federal student loans into a single Direct Consolidation Loan to make payments easier; but there could be tradeoffs so make sure you understand everything.[NEWLINE][BOUNDARY][NEWLINE]user: What steps should I take to avoid 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: You can give me more information on the subject.[NEWLINE]agent: I recommend you contact your loan servicer for information on the subject.[NEWLINE][BOUNDARY][NEWLINE]agent: It is vitally important to avoid defaulting on payments to invite additional payments.[NEWLINE]user: Perfect, and what else can you tell me?[NEWLINE]agent: You can also read carefully to fully understand their loan agreement.[NEWLINE]user: What does it mean that the federal loan is delinquent?
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][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]agent: if you can help for example to obtain a deferment or leniency on your debt[NEWLINE]user: if i get many monthly notice message i can ignore it
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: can I combine loans to get better payments?[NEWLINE]agent: Yes, you can combine your multiple federal student loans into a single Direct Consolidation Loan to simplify repayment.[NEWLINE][BOUNDARY][NEWLINE]user: what can I do to avoid default?[NEWLINE]agent: You need to fully understand your loan agreement and the types of loans you are receiving. Don't borrow more than you need or more than you expect to be able to repay.[NEWLINE][BOUNDARY][NEWLINE]user: what happens after I miss a payment or two?
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: 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: 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: ok but If my federal student loan is delinquent, what should I do?[NEWLINE]agent: You should consult the Student Loan Debt Collection Assistant, which was developed by the US Department of Education in collaboration with the Office of Consumer Financial Protection. The tool provides information on how to access the full range of special payment options available to you.[NEWLINE][BOUNDARY][NEWLINE]user: ok I understand and can I simplify the refund with the consolidation?[NEWLINE]agent: Yes You may want to combine your multiple federal student loans into a single direct consolidation loan to simplify repayment. There may be trade-offs, so understand the advantages and potential disadvantages of consolidation before submitting the application[NEWLINE][BOUNDARY][NEWLINE]user: Loans, unlike most grants, scholarships or study and work funds, must be repaid under what conditions?[NEWLINE]agent: The first thing you should know is that before you owe from the Office of the Consumer Financial Protection is Read your promissory note.[NEWLINE]user: and what is your promissory note?
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: If I have SSDI or SSI could I qualify for TPD discharge?[NEWLINE]agent: Yes and you would have to send a copy of the reward letter or Benefits Planning Query showing that you your next scheduled disability review would be five to seven years or more from date of your last SSA disability determination.[NEWLINE][BOUNDARY][NEWLINE]user: What is the process after I submit a TPD discharge application?[NEWLINE]agent: Did you receive something from Nelnet stating they received it?[NEWLINE]user: No, I do not know if they received it.[NEWLINE][BOUNDARY][NEWLINE]user: Could a representative apply on my behalf and help me during the TPD discharge process?
user: Hi, if I have a disability can I qualify for a federal loan discharge?[NEWLINE]agent: Sure, in the event of a TPD discharge for total and permanent disability it frees you from having to pay a loan from the Federal Direct Loan Direct Loan Program.[NEWLINE]agent: But qualifying for a TPD download is primary.[NEWLINE]user: Can you inform me of the requirements to qualify for a TPD download please?[NEWLINE]agent: Above all, it is important to complete and send a TPD download request, in addition to justifying the disability.[NEWLINE]user: Can you explain more what was mentioned above?[NEWLINE]agent: This plan frees you from having to pay a loan from the William D. Ford Federal Direct Loan Direct Loan Program, a loan from the FFEL Federal Loan Program.[NEWLINE][BOUNDARY][NEWLINE]agent: Pero es importante que primero califiques para la descarga de TPD.[NEWLINE]user: Please can you tell me how I qualify for that plan?[NEWLINE][BOUNDARY][NEWLINE]agent: First of all you have to make a TPD download request.[NEWLINE]user: How do I carry out such a process?[NEWLINE][BOUNDARY][NEWLINE]agent: In addition, a representative can submit a request on my behalf to facilitate the process.[NEWLINE]user: I wonder if any family member can complete the whole process?[NEWLINE][BOUNDARY][NEWLINE]agent: Sure, you can do the whole process.[NEWLINE]user: Can you tell me what steps are followed after submitting a registration application for TPD?[NEWLINE]agent: Of course, after receiving the request you will be given the respective instructions.