elplaguister/DTS_session_datasets huggingface dataset:
user: what does my situation have to be like to get financial aid for college?[NEWLINE]agent: I can go over the basic eligibility criteria with you[NEWLINE][BOUNDARY][NEWLINE]user: Can ability to benefit alternatives help someone who has been in school before?[NEWLINE]agent: It can help you if you were enrolled in college or career school prior to July 1, 2012[NEWLINE]user: Is there any way to reinstate an applicant's eligibility for federal aid, if they were previously denied due to a drug conviction?[NEWLINE]agent:  An applicant can regain eligibility for federal aid by successfully completing an approved drug rehabilitation program or by passing two unannounced drug tests by an approved drug rehabilitation program[NEWLINE][BOUNDARY][NEWLINE]user: Am I eligible for federal student aid if I am incarcerated?[NEWLINE]agent: In this instance, you have limited eligibility for student aid[NEWLINE]agent: Is the incarceration due to a drug-related offense or are you subject to an involuntary civil commitment for a sexual offense?[NEWLINE]user: Yes, I fall into that category[NEWLINE]agent: In this case, your eligibility for student aid may well be limited[NEWLINE][BOUNDARY][NEWLINE]user: What can I do if my eligibility for student aid has been suspended due to a drug conviction?
user: What requirements do I need to qualify for federal student aid?[NEWLINE]agent: There are several basic eligibility criteria to meet.[NEWLINE][BOUNDARY][NEWLINE]user: Can you please tell me the basic criteria for eligibility?[NEWLINE]agent: One of the requirements is to be enrolled at least half-time to be eligible for a Direct Loan Program funds.[NEWLINE][BOUNDARY][NEWLINE]user: What if I am a citizen of the Federated States of Micronesia, the Republic of the Marshall Islands, or the Republic of Palau??[NEWLINE]agent: Then you would be exempt from registering for selective service.[NEWLINE][BOUNDARY][NEWLINE]user: What should I do if I've been told that I'm no longer qualified for federal student aid?[NEWLINE]agent: It is in your best interest to talk to your financial aid office and we also can provide some tips on how to get your eligibility back.[NEWLINE][BOUNDARY][NEWLINE]user: Who should I talk to regarding repaying aid or getting additional aid?[NEWLINE]agent: You should talk to the financial aid office at your school.[NEWLINE][BOUNDARY][NEWLINE]user: Who should I be in contact with for info about reinstating my status of noncitizen eligibility of student aid?
user: Hi, I'd like to know what requirements I must meet to qualify for federal student aid.[NEWLINE]agent: we must first review the basic eligibility criteria[NEWLINE][BOUNDARY][NEWLINE]user: and among the requirements is to maintain academic progress?[NEWLINE]agent: yes, is it important to maintain satisfactory academic progress in college or vocational school to remain eligible[NEWLINE][BOUNDARY][NEWLINE]user: Now, regarding the limited eligibility in federal aid for criminal convictions in students, how can these convictions affect the eligibility criteria to receive the aid?[NEWLINE]agent: You cannot receive a Federal Pell Grant if you have been convicted of a forcible or non forcible sexual offense, and you are subject to an involuntary civil commitment upon completion of a period of incarceration for the said offense.[NEWLINE]user: I have a conviction but am not sure if it falls under the conditions you described.[NEWLINE]agent: If your conviction is as I stated you will not be able to receive a Federal Pell Grant.[NEWLINE][BOUNDARY][NEWLINE]user: If I have a previous drug conviction how can I regain eligibility for federal student aid?[NEWLINE]agent: If you have had a drug conviction you can regain eligibility early by successfully completing an approved drug rehabilitation program or by passing two unannounced drug tests administered by an approved drug rehabilitation program.[NEWLINE]user: I regained eligibility during my award year, what should I do now?
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: Understood, if I get a federal aid and my university process is not satisfactory, what would be the consequences?[NEWLINE]agent: Reasons for appeal generally include the death of a family member, illness or injury, or other special circumstances;[NEWLINE][BOUNDARY][NEWLINE]user: And how often should I complete the form?[NEWLINE]agent: I already filled out the FAFSA form?[NEWLINE]user: no[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: And once I meet the requirements, should I always meet them?
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][BOUNDARY][NEWLINE]user: That's helpful to hear. If you have any experience with documents? That's helpful to hear. What do I do if my green card has run out of validity?[NEWLINE]agent: Well, this doesn't necessarily mean that your status as a legal permanent resident has expired. You might just need to renew the card. Be sure to do so promptly![NEWLINE][BOUNDARY][NEWLINE]user: When am I considered NOT an eligible noncitizen, and can not receive federal student aid?[NEWLINE]agent: Do you have only a Notice of Approval to Apply for Permanent Residence I-171 or I-464?[NEWLINE]user: No, I don't.[NEWLINE]agent: Are you in the U.S. on an F-1 or F-2 nonimmigrant student visa, or on a J-1 or J-2 nonimmigrant Exchange Visitor Visa?[NEWLINE]user: No.[NEWLINE]agent: Do you hold a G series visa pertaining to international organizations?[NEWLINE]user: No, I don't.
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]user: This looks like a reminder of me staying eligible and keep receiving my federal student aid. Should I fill a form each year?[NEWLINE]agent: Are you asking about the FAFSA form?[NEWLINE]user: yes[NEWLINE]agent: Each FAFSA form you fill out is for aid for a specific year. In order to receive aid for that year, you will need to submit that year’s FAFSA form.[NEWLINE][BOUNDARY][NEWLINE]user: what is considered satisfactory academic progress?[NEWLINE]agent: You need to make good enough grades, and complete enough credit hours, to keep progressing toward successfully completing your degree or certificate.[NEWLINE]agent: Do you know about your school's satisfactory academic progress policy for financial aid purposes?
user: hi[NEWLINE]agent: hi[NEWLINE][BOUNDARY][NEWLINE]user: hi[NEWLINE]agent: hi[NEWLINE][BOUNDARY][NEWLINE]user: Can I Get Federal Student Aid? When am I considered an eligible non-citizen?[NEWLINE]agent: When you are a U.S. national, for example. This includes natives of American Samoa or Swains Island.[NEWLINE][BOUNDARY][NEWLINE]user: What if the expiration date on my documents has passed?[NEWLINE]agent: Has your green card expired?[NEWLINE]user: Yes, it seems so.[NEWLINE]agent: That doesn't necessarily mean that your status as a legal permanent resident has expired.[NEWLINE]user: Can I just renew it somehow?
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]user: Now I'd like to ask a completely unrelated question. I see what you mean. I'd like to ask you another question. Do you hear about federal student aid, by the way?[NEWLINE]agent: hi[NEWLINE]user: hi[NEWLINE]agent: hi[NEWLINE][BOUNDARY][NEWLINE]user: O.k i'll make sure to check that out. This is a silly question but, Do i have to keep the grades up all the time to keep the aid?[NEWLINE]agent: Of course. That eligibility criteria that was applied when you requested that aid, needs to be kept through all the time you receive the funds.[NEWLINE][BOUNDARY][NEWLINE]user: Oh, O.k Sorry, i just wanted to be sure. In any case, i don't need to renew anything after i got the aid, don't i?[NEWLINE]agent: Did you fill a FAFSA form when you requested your aid?
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: How do I know if I can get some kind of financial aid to study in the USA? since I am not an eligible alien[NEWLINE]agent: Ask the college or career school you plan to attend whether they offer any aid for students like you.[NEWLINE][BOUNDARY][NEWLINE]user: In which case would that be possible?
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: Where can I find some assistance if I have a defaulted student loan?[NEWLINE]agent: Do you need help with your defaulted loan?[NEWLINE]user: Yes, I do.[NEWLINE]agent: Then you will need to contact the holder of your defaulted loan. Find out who holds your loan by logging in and selecting "view loan servicer details". Remember: StudentAid.gov does not include information about any private student loans you may have received.[NEWLINE][BOUNDARY][NEWLINE]user: What if consolidate a defaulted loan?[NEWLINE]agent: In that case the record of the default as well as late payments reported before the loan went into default will remain in your credit history. Late payments will remain on your credit report for seven years from when they were first reported. It's important that you fully understand loan rehabilitation and loan consolidation before making your decision.[NEWLINE][BOUNDARY][NEWLINE]user: Sounds good. Can I also reconsolidate a defaulted FFEL Consolidation Loan?
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: Do you know how I can get information about my loan servicer? and where can I get help with my delinquent loan?[NEWLINE]agent: Do you need help with your defaulted loan?[NEWLINE]user: Yes, I do.[NEWLINE]agent: Then you will need to contact the holder of your defaulted loan. Find out who holds your loan by logging in and selecting "view loan servicer details". Remember: StudentAid.gov does not include information about any private student loans you may have received.[NEWLINE][BOUNDARY][NEWLINE]user: What if consolidate a defaulted loan?[NEWLINE]agent: In that case the record of the default as well as late payments reported before the loan went into default will remain in your credit history. Late payments will remain on your credit report for seven years from when they were first reported. It's important that you fully understand loan rehabilitation and loan consolidation before making your decision.[NEWLINE][BOUNDARY][NEWLINE]user: Sounds good. Can I also reconsolidate a defaulted FFEL Consolidation 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]agent: Unfortunately, no relevant information is found.[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: Another thing about non-compliance. What is loan rehabilitation?[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]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: I have more questions about student loans, what if I want deferment? Do you have any advice on this?[NEWLINE]agent: If that is the way you go consider paying the interest that accrues during that period, so that you can avoid some of the consequences.[NEWLINE][BOUNDARY][NEWLINE]user: Something else I want to ask, if my wife is my beneficiary, you will notify me before transferring you[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][BOUNDARY][NEWLINE]user: Anything else, Repayment in full. What if I don't have the contact details for my loan holder and need to make a payment?[NEWLINE]agent: Simply log in and select "view loan servicer details".[NEWLINE][BOUNDARY][NEWLINE]user: Ok, now regarding receiving calls from people who want to charge me fees to get my federal student loan out of default, where can I better find out to avoid 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: Can I qualify for a deferment or forbearance of my payments  if I'm in a tight financial situation?[NEWLINE]agent: Yes, you can also try to qualify for a deferment or a forbearance.[NEWLINE][BOUNDARY][NEWLINE]user: I'm worried that my wages will be garnished because of my unpaid student loan. What can I do to 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]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: But I want to know about wage garnishing.[NEWLINE]agent: For that matter, you should contact your loan holder.[NEWLINE][BOUNDARY][NEWLINE]user: On a somewhat related note, regarding loan agreement, 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: 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]agent: Unfortunately, no relevant information is found.[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: There's one more thing I'd like to say about loans. Is there a tax benefit to choosing an income-driven repayment plan?[NEWLINE]agent: Yes you might have to pay taxes on the amount forgiven especially if you are making payments of $0 per month.[NEWLINE][BOUNDARY][NEWLINE]user: If I default on a Federal Family loan, what are some of the things they can do to me?[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][BOUNDARY][NEWLINE]user: it makes me curious. What comes after choosing something like an income-based payment plan?
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: I'd also like to learn more about Deferment and Forbearance for Student Loans. What if I choose deferment? Do you have any suggestions?[NEWLINE]agent: If that is the way you go consider paying the interest that accrues during that period, so that you can avoid some of the consequences.[NEWLINE][BOUNDARY][NEWLINE]user: I'd like to know more about money from wages. Is there a way for me to 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: I'd like to know something else. What can you tell me about repayment in full?[NEWLINE]agent: Well, a third option for getting out of default is to repay the full amount of your defaulted student loan.[NEWLINE][BOUNDARY][NEWLINE]user: Another question about my federal student loan. Is there a place where I can know more companies that wants to charge me 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]agent: Unfortunately, no relevant information is found.[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][BOUNDARY][NEWLINE]user: Another question I have about loan consolidation, does it work if  I make three payments before consolidating?[NEWLINE]agent: You need the payments to consolidate then the required payment amount will be determined by your loan holder[NEWLINE][BOUNDARY][NEWLINE]user: I have another question about federal student loans. Even if it says that the goal 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][BOUNDARY][NEWLINE]user: Regarding deferral and forbearance of student loans, what can I do if I am eligible for any of these?[NEWLINE]agent: In that case you can temporarily suspend your payments.[NEWLINE][BOUNDARY][NEWLINE]user: Is it normal that some parts of the email stated that I needed to pay anything for a subscription?[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?