elplaguister/DTS_session_datasets huggingface dataset:
user: Is there a time I would be eligible for discharge of my federal student loan?[NEWLINE]agent: Yes, you can learn about eligibility requirements of a discharge and how to apply.[NEWLINE][BOUNDARY][NEWLINE]user: What is the discharge criteria?[NEWLINE]agent: Do you have William D. Ford Federal Direct Loan, Federal Family Education Loan, or Federal Perkins Loans?[NEWLINE]user: No, I do not.[NEWLINE]agent: Were you on an approved leave of abscence when your school closed?[NEWLINE]user: No, I wasn't on an approved leave of abscence.[NEWLINE]agent: Did your school close within 120 days after you withdrew?[NEWLINE]user: No, my school did not close.[NEWLINE]agent: Then you are not eligible for a 100% discharge of your Federal Loans.[NEWLINE]user: What is the criteria of a discharge then?[NEWLINE][BOUNDARY][NEWLINE]user: When will I be able to get a discharge for a closed school?.
user: What about closed school loan discharges?[NEWLINE]agent: Do you need to know the benefits you have by receiving a closed school loan discharge?[NEWLINE]user: No, I do not need to know this.[NEWLINE][BOUNDARY][NEWLINE]agent: Do you have a nonfederal private loan that you want a closed school discharge?[NEWLINE]user: Yes, I have a nonfederal private loan that I want to know about closed school discharge.[NEWLINE]agent: You would need to get into contact with that private lender to find out any information about a closed school discharge through them.[NEWLINE][BOUNDARY][NEWLINE]user: I received several loans for different programs of study at the same school and was unable to complete any of the programs or transfer credits before the school closed, is it possible that all the loans would 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][BOUNDARY][NEWLINE]user: Are there certain criteria I need to meet to be eligible for a discharge of my federal student loan?
user: When am I eligible for discharge of my loans because my school closed?[NEWLINE]agent: You can learn about eligibility requirements for discharge and how you can apply.[NEWLINE]user: What should I get when my school closes?[NEWLINE]agent: It is of great importance to get your academic and financial aid records since you might need those records if you plan to attend another school or want to get your student loans discharged.[NEWLINE][BOUNDARY][NEWLINE]user: Can you explain the discharge criteria to me?[NEWLINE]agent: Do you have a William D. Ford Federal Direct Loan, Federal Family Education Loan, or a Federal Perkins Loan?[NEWLINE]user: No, those are not the types of loans I have.[NEWLINE][BOUNDARY][NEWLINE]user: Are there any atuomatic closed school discharges available?[NEWLINE]agent: Do you meet the eligibility requirements for a school that closed on or after Nov. 1, 2013 and not attended another school for 3 years?[NEWLINE]user: Yes, I attended a school that closed on or after Nov. 1, 2013.
user: Hello, I have some questions about closed school loan discharges and I'd appreciate some answers.[NEWLINE]agent: Of course. Are you wondering what benefits you have by receiving a closed school loan discharge?[NEWLINE]user: Yes, I am.[NEWLINE]agent: Receiving a closed school loan discharge gives you several advantages.[NEWLINE][BOUNDARY][NEWLINE]user: Well, before we get into that, I need to know something. My old school closed down and I took the credits from there to my new program at a new school. The fact that my school closed wasn't my fault, but does that mean I'm ineligible for discharge of the loans I received at the closed school now?[NEWLINE]agent: No. ransfer of credits from the closed school to a completely different program of study at the new school does not disqualify you for discharge.[NEWLINE][BOUNDARY][NEWLINE]user: What if I received a diploma without completing the program? Does that make me ineligible?[NEWLINE]agent: No. Before closing, some schools may issue a diploma or certificate to students who did not complete the program of study.[NEWLINE][BOUNDARY][NEWLINE]user: What if I meet the eligibility requirements for a closed school discharge and want my loans discharged?[NEWLINE]agent: Then you should contact your loan servicer about applying for a closed school discharge now instead of waiting for three years to receive an automatic closed school discharge.[NEWLINE][BOUNDARY][NEWLINE]user: I see. And what should I ask for when contacting my loan servicer?
user: I have questions, questions about closed school loan discharges. Can you answer them, please?[NEWLINE]agent: Of course. Are you wondering what benefits you have by receiving a closed school loan discharge?[NEWLINE]user: Yes, among other things.[NEWLINE]agent: You'll have several advantages by receiving a closed school loan discharge.[NEWLINE][BOUNDARY][NEWLINE]user: What if I have completed a program of study at another school, doing a teach-out?[NEWLINE]agent: In that case you are not eligible for a closed school discharge, by transferring academic credits or hours from the closed school, or by any other comparable means.[NEWLINE]user: But am I still eligible for a discharge at least?[NEWLINE]agent: You may be eligible for discharge if you completed or are in the process of completing a comparable program at another school.[NEWLINE][BOUNDARY][NEWLINE]user: What if I initially enrolled in a program, but decided not to continue with that program and transferred to another program?[NEWLINE]agent: If you were also unable to complete Program B because the school closed, only loans you received for Program B could potentially be discharged.[NEWLINE][BOUNDARY][NEWLINE]user: I've received a certificate without completing the program. Do I qualify for a loan discharge in that case?
user: I have some questions about closed school loan discharges.[NEWLINE]agent: Do you want to know which benefits you have by receiving a closed school loan discharge?[NEWLINE]user: Yes, go ahead.[NEWLINE]agent: You can have several advantages by receiving a closed school loan discharge.[NEWLINE][BOUNDARY][NEWLINE]user: What if I initially enrolled in a program, but decided not to continue with that program and transferred to another?[NEWLINE]agent: If you were then unable to complete the second program because the school closed, only loans you received for the second program could potentially be discharged.[NEWLINE][BOUNDARY][NEWLINE]user: Can I still get a discharge of the loans if my school closes down and I enroll in a similar program at another school?[NEWLINE]agent: Well, it depends.[NEWLINE]user: Let's be more specific then. What if I completed a similar program through a teach-out?[NEWLINE]agent: In that case, by transferring academic credits or hours from the closed school, or by any other comparable means, you are not eligible for a closed school discharge.[NEWLINE]user: Could I still be eligible for a discharge somehow?
user: Hi, I was wondering what conditions must occur to be eligible to discharge your federal student loan?[NEWLINE]agent: It is important to know the steps for such a process and how to generate the request.[NEWLINE][BOUNDARY][NEWLINE]user: What happens if you made a change from Program A to B?[NEWLINE]agent: You must complete Program B before school closes.[NEWLINE][BOUNDARY][NEWLINE]user: Can I be eligible for a 100 percent loan discharge?[NEWLINE]agent: It was closed when his school closed for application submission.[NEWLINE]user: Can you explain more about what was stated above?[NEWLINE]agent: You have to have proof when his school closed.[NEWLINE]user: I have an approved leave of absence when I close the process.[NEWLINE]agent: Your school closed within the established deadline.[NEWLINE]user: Clear 120 days after withdrawal.
user: Hi, I was wondering if you may be eligible if the school closes in the process?[NEWLINE]agent: Sure, it is vitally important that you know the requirements to be eligible for such a process?[NEWLINE]user: I wonder if I need the financial and academic aid records if your school closes?[NEWLINE]agent: Of course, and more if you plan to attend another school.[NEWLINE]user: Can they also be used to pay off student loans?[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 my federal student loan possibly qualify for discharge if the school in which I am currently enrolled is closing?[NEWLINE]agent: I can help you to learn about the eligibility requirements for discharge and how you can apply.[NEWLINE][BOUNDARY][NEWLINE]user: Ok what are the criteria for a possible discharge?[NEWLINE]agent: You may be eligible for a 100 percent discharge if you were unable to complete your program because your school closed.[NEWLINE]user: I was enrolled when my school closed and did not complete my desired courses.[NEWLINE]agent: In that even you may indeed be eligible for a 100% discharge of your William D. Ford Federal Direct Loan Direct Program loans, Federal Family Education Loan FFEL Program loans, or Federal Perkins Loans.[NEWLINE][BOUNDARY][NEWLINE]user: How do I obtain this discharge of my loan?[NEWLINE]agent: It is very important for you to obtain your academic and financial aid records if your school closes since you might need those records if you plan to attend another school or want your student loans discharged.[NEWLINE]user: What would I need from this school if I am planning on completing my education elsewhere?[NEWLINE]agent: You will need to obtain your academic and financial records if you plan to attend another school.[NEWLINE][BOUNDARY][NEWLINE]user: Are you able to answer questions about benefits I may have by receiving a closed school loan discharge?[NEWLINE][BOUNDARY][NEWLINE]agent: Are you inquiring about the benefits you would receive by obtaining a closed school loan discharge?[NEWLINE]user: Yes, I am.
user: How would I pay for textbooks and other course materials if haven't receive financial aid?[NEWLINE]agent: Did your school that participates in the federal student aid program provide you a way to get textbooks and supplies you need?.[NEWLINE]user: No, they have not provided that yet but it is not the 7th day of the term yet.[NEWLINE][BOUNDARY][NEWLINE]user: What if I purchased my textbooks?[NEWLINE]agent: You could sell them back if allowed and get money for it.[NEWLINE]user: What if my course uses paid online content?[NEWLINE]agent: Actually your school could have negotiated a deal with the publisher that would allow you online access at a fraction of the cost you would pay for a physical book.[NEWLINE][BOUNDARY][NEWLINE]user: How will I receive financial aid?[NEWLINE]agent: It really depends on the type of aid you have accepted when receiving your aid.[NEWLINE][BOUNDARY][NEWLINE]user: What are my options for course material formats?
user: How will I receive my federal student aid?[NEWLINE]agent: Your college not the U.S. Department of Education will distribute your federal student aid.[NEWLINE][BOUNDARY][NEWLINE]user: When should I receive financial aid?[NEWLINE]agent: It all depends on what type of aid you have accepted.[NEWLINE][BOUNDARY][NEWLINE]user: What happens with the disbursements of grants and student loans?[NEWLINE]agent: Ultimately your school will dispurse your grant or loan money in at least two payments and must give you your grant or loan money at least once per semester, trimester, or quarter.[NEWLINE]user: What is a dispursement?[NEWLINE]agent: A disbursement is when you receive your grant or loan money.[NEWLINE][BOUNDARY][NEWLINE]user: Is it true that schools that participate in federal student aid programs must provide a way for me to get my books and supplies by the 7th day of the term?[NEWLINE]agent: Are you eligible for disbursement and do you know that it should be there 10 days before term begins?.[NEWLINE]user: Yes, I am eligible for disbursement. and yes I do know the time frame.[NEWLINE]agent: Do you have a credit balance left over after all financial aid was paid?[NEWLINE]user: Yes, I have a credit balance left over.[NEWLINE]agent: Then you use that credit balance for books and supplies.[NEWLINE][BOUNDARY][NEWLINE]user: What about grants and student loans?
user: How is it possible for me to pay for my textbooks if I have not gotten my financial aid?[NEWLINE]agent: Does your school participate in federal student aid programs?[NEWLINE]user: Yes, my school participates in the federal student aid program.[NEWLINE]agent: Are you eligible for dispursement?.[NEWLINE]user: No, I am not eligible.[NEWLINE]agent: Then you cannot get your textbooks paid through the federal student aid program.[NEWLINE][BOUNDARY][NEWLINE]user: What if my school give me financial aid and money is left over?[NEWLINE]agent: If there is money left over after your aid is applied to tuition and fees then you would have a credit balance and could use that for your books.[NEWLINE]user: What if ISBN is unavailable?[NEWLINE]agent: The school would probably provide the author, title, publisher, and copyright date.[NEWLINE]user: What if the school offers a voucher to the bookstore?
user: Hello, what benefit do I have if you do not have financial aid?[NEWLINE]agent: Schools must provide their students with a way to obtain their books and supplies by the seventh day of the period.[NEWLINE]user: Should the school participate in the program?[NEWLINE]agent: It is noteworthy that you are eligible for the disbursement, that is, the payment of your financial aid.[NEWLINE]user: How the refund process is carried out.[NEWLINE]agent: At first you will have a credit balance as long as the financial aid is approved.[NEWLINE]user: Does financial aid apply to tuition, fees, and other school fees?[NEWLINE]agent: Remember that the schools that participate in the program must provide some things to the students.[NEWLINE][BOUNDARY][NEWLINE]user: I imagine that everything depends on the materials that are needed during the course?[NEWLINE]agent: Sure, you can look for options to lower the costs of your books.[NEWLINE][BOUNDARY][NEWLINE]user: What about schools that do not use the traditional system?
user: when will I get the money to pay for books I need because you are late and I need it?[NEWLINE]agent: Has your school not provided a way for you to obtain your books and supplies by the seventh day of the term?[NEWLINE]user: no they haven't[NEWLINE][BOUNDARY][NEWLINE]user: also can you tell me how a directplus loan is payed out like a grant?[NEWLINE]agent: Direct PLUS Loan funds are disbursed according to the same type of schedule[NEWLINE][BOUNDARY][NEWLINE]user: what happens to the money left over after tuition and all is paid?[NEWLINE]agent: Any money left over will be paid out to you directly within 14 days unless you authorize the school to keep the money to pay for future institutional charges[NEWLINE][BOUNDARY][NEWLINE]user: how do you pay for work study? can I get it direct deposit to my account?[NEWLINE]agent: Yes, they can send your payments directly to your bank account[NEWLINE][BOUNDARY][NEWLINE]user: so the government is the one that pays us?
user: I wanted to know how you will give me the financial aid to pay for books[NEWLINE]agent: Has your school provided a way for you to obtain your books and supplies by the seventh day of the term?[NEWLINE]user: no so what now?[NEWLINE][BOUNDARY][NEWLINE]user: is there anyway I can pay the bookstore later and get what I need now?[NEWLINE]agent: You can look to see if your school offers a bookstore voucher or other means for students to receive their books and supplies through the school or its bookstore.[NEWLINE][BOUNDARY][NEWLINE]user: so how does the grant work that I can't buy my books yet?[NEWLINE]agent: Usually the school first applies your grant money toward your tuition, fees, and room and board. Money left over is paid to you directly for other education expenses like the books you need.[NEWLINE][BOUNDARY][NEWLINE]user: can you give me any help with online materials I need for a class?[NEWLINE]agent: Your school may have negotiated a deal with the publisher that will allow you online access at a fraction of the cost you would pay for a physical book.[NEWLINE]user: when do they usually gives us the financial aid for books?
user: I need to know what I can do to pay for course materials if I don't have any money.[NEWLINE]agent: Of course. Would you like to know when schools that participate in federal student aid programs must provide a way for you to obtain your books and supplies by the seventh day of the term?[NEWLINE]user: Yes, please.[NEWLINE]agent: Are you eligible for disbursement i.e., the payment of your financial aid 10 days before the term begins?[NEWLINE]user: No, I'm not.[NEWLINE]agent: Then I'm afraid that schools which participate in federal student aid programs do NOT need to provide a way for you to obtain your books and supplies.[NEWLINE][BOUNDARY][NEWLINE]user: What if my school provides me financial aid?[NEWLINE]agent: Sometimes money is left over after your aid is applied to your tuition, fees, and other school charges. This remaining amount is called a credit balance.[NEWLINE]user: Well, that doesn't help me solve my issue. Is there any way to get course materials for less money?[NEWLINE]agent: Your options for course material formats will vary by school, instructor, and course, so learning what your options are and knowing about any cost-reduction initiatives your school may have can result in significant savings.[NEWLINE]user: But what if I need new textbooks?
user: I need help on how to pay for my course materials, I haven't received my financial aid yet.[NEWLINE]agent: Of course. Does your school participate in a federal student aid program?[NEWLINE]user: No, unfortunately not.[NEWLINE][BOUNDARY][NEWLINE]user: What can you tell me about grants and student loans in general?[NEWLINE]agent: Typically, the school first applies your grant or loan money toward your tuition, fees, and if you live on campus room and board. Any money left over is paid to you directly for other education expenses.[NEWLINE][BOUNDARY][NEWLINE]user: What if I have a credit balance?[NEWLINE]agent: In that case your school must pay this amount to you directly within 14 days unless you authorize the school to keep the money to pay for future institutional charges.[NEWLINE][BOUNDARY][NEWLINE]user: Unfortunately that doesn't apply to me. My school doesn't participate in federal student aid programs.[NEWLINE][BOUNDARY][NEWLINE]user: Is there something I can do when it comes to materials that are available for my courses?
user: Can you tell me how I'll receive my financial aid, please?[NEWLINE]agent: How you'll get your aid depends on the type of aid you accepted.[NEWLINE][BOUNDARY][NEWLINE]user: I know, but what can you tell me about grants and student loans?[NEWLINE]agent: Your school will give you your grant or loan money in at least two payments called disbursements. In most cases, your school must give you your grant or loan money at least once per term semester, trimester, or quarter.[NEWLINE][BOUNDARY][NEWLINE]user: What if I have a credit balance?[NEWLINE]agent: Then your school must pay this amount to you directly within 14 days unless you authorize the school to keep the money to pay for future institutional charges.[NEWLINE][BOUNDARY][NEWLINE]user: When do schools that participate in federal student aid programs have to help me obtain my materials needed for my studies?[NEWLINE]agent: Are you eligible for disbursement i.e., the payment of your financial aid 10 days before the term begins?[NEWLINE]user: No, I'm not.[NEWLINE]agent: Then I'm afraid that your school won't have to provide a way for you to obtain your books and supplies.[NEWLINE][BOUNDARY][NEWLINE]user: That's a bummer. Ah, well. And what if my course uses paid online content?
user: I need your advice. I haven't received any financial aid yet, but I need to pay for textbooks. How am I supposed to do that without any money?[NEWLINE]agent: Are you part of a school that participates in a federal student aid program?[NEWLINE]user: No, I'm not.[NEWLINE][BOUNDARY][NEWLINE]user: What happens if my school offers me financial aid?[NEWLINE]agent: Well, sometimes money is left over after your aid is applied to your tuition, fees, and other school charges. This remaining amount is called a credit balance.[NEWLINE]user: How can I save money when it comes to materials available at my school?[NEWLINE]agent: You may have several lower-cost options to obtain your books at your school.[NEWLINE][BOUNDARY][NEWLINE]user: Yes, I'm aware of this.[NEWLINE]agent: Are you eligible for disbursement i.e., the payment of your financial aid 10 days before the term begins?[NEWLINE]user: Yes, I am.[NEWLINE]agent: Will you also have a credit balance i.e., money left over after your financial aid is applied to your tuition, fees, and other school charges as applicable?[NEWLINE]user: Yes, I will.[NEWLINE]agent: In that case schools that participate in federal student aid programs must provide a way for you to obtain your books and supplies by the seventh day of the term.[NEWLINE][BOUNDARY][NEWLINE]user: That's great! What if my course uses a hard-copy textbook though?
user: I am a federal student loan borrower and need a little help understanding about it.[NEWLINE]agent: We have checklists that can help you not feel overwhelmed with the process of student loan repayment.[NEWLINE]user: What does the checklist help me with as I work through it?[NEWLINE]agent: It will help with finding out how to make payments and figure out which repayment would be best for you and it can help with knowing what to do if you are having problems repaying.[NEWLINE][BOUNDARY][NEWLINE]user: What should I do when I create my account?[NEWLINE]agent: You should make sure all your contact information is correct.[NEWLINE][BOUNDARY][NEWLINE]user: What if I want to consolidate my loans?[NEWLINE]agent: If you consolidate your loans could take longer than 10 years to pay off.[NEWLINE][BOUNDARY][NEWLINE]user: Is it good to review my federal loan history before I graduate or leave school?[NEWLINE]agent: Yes, you should always review your federal student loan history and you can do this by logging in to "My Federal Student Aid" and you need to creat an FSA ID you have don't have one.[NEWLINE]agent: Did you know what to look for when reviewing your information?
user: dsffsdf[NEWLINE]agent: sdfgfdcxvbcvbdf[NEWLINE]agent: Have you checked the list of options for repayments?[NEWLINE]user: Yes, I have checked some of that information[NEWLINE]agent: Good, that way you can find how to do the repayments and figure out which repayment plan is better for you.[NEWLINE]user: This help that you give me is free?[NEWLINE]agent: Yes, that's right. remember, you never have to pay for help with your student loan.[NEWLINE][BOUNDARY][NEWLINE]user: But how do I know how much I'll have to pay?[NEWLINE]agent: The amount you repay will depend of how much you can afford to pay each month.[NEWLINE]user: So, this will depend basically on my budget, right?[NEWLINE]agent: That's right, that's the best way to afford to pay toward your student loan.[NEWLINE][BOUNDARY][NEWLINE]user: Great. But what happens if at some point I  can not do the payments?