elplaguister/DTS_session_datasets huggingface dataset:
user: Hello, how you doing? Please i need some guidance about the exit counseling option, because i'm on a Federal Loan program.[NEWLINE]agent: Greetings. Lets see. Do you know anything about Exit Couseling?[NEWLINE]user: No, sorry, but i don't too much of it.[NEWLINE][BOUNDARY][NEWLINE]agent: But you are aware about who are supposed to go through it?[NEWLINE]user: Oh yeah, I was told that it goes for those who have a federal loan but has some kind of specifics conditions, is that right?[NEWLINE]agent: You're not mistaken. Effectively, Exit Counseling is reserved for those students who want to prepare themselves for repaying their loans, being these from federal programs. In any case, you must go through counseling each time you drop below half-time enrollment, you graduate or you leave the school.[NEWLINE][BOUNDARY][NEWLINE]user: Oh, i see. It seems wider that i thought. This counseling takes too long to do it?[NEWLINE]agent: Not at all.  It is a very simple process. Most people just need about 20 or 30 minutes to successfully complete the counseling session.[NEWLINE][BOUNDARY][NEWLINE]user: Wow, not much time. I like that. So, what kind of documentation do i need to gather for counseling?[NEWLINE]agent: Not much as you think. Only necessary document you'll need is your FSA ID.[NEWLINE][BOUNDARY][NEWLINE]user: Really? That's wonderful. So, just checking, this option is mainly for preparation for repay loans, isn't?
user: What exactly is Exit Counseling?[NEWLINE]agent: Has someone explained to you what Exit Counseling is pertaining to your federal student loan?[NEWLINE]user: No one has explained to me what Exit Counseling is?[NEWLINE][BOUNDARY][NEWLINE]agent: Do you know that you are supposed to complete Exit Counseling because you have received a subsidized, unsubsidized or PLUS loan under the Direct Loan Program?[NEWLINE]user: No, I was never told about Exit Counseling and that I should complete it.[NEWLINE][BOUNDARY][NEWLINE]agent: Do you know how long it would take for the entire Exit Counseling session?[NEWLINE]user: No, I do not know how long the session would take.[NEWLINE][BOUNDARY][NEWLINE]agent: Do you know what you need to complete the session?[NEWLINE]user: Yes, I know I need my Verified FSA ID.[NEWLINE]agent: Yes, you are correct that you need a Verified FSA ID.[NEWLINE][BOUNDARY][NEWLINE]user: Who should complete the Exit Counseling?
user: need exit counseling info[NEWLINE]agent: Would you like to know more about Exit Counseling?[NEWLINE]user: yes please[NEWLINE]agent: Exit counseling provides information to prepare you to repay your federal student loan.[NEWLINE]user: Do I need the counseling for any loan?[NEWLINE]agent: If you have received a subsidized, unsubsidized or PLUS loan under the Direct Loan Program or the FFEL Program, you must complete exit counseling when certain events occur.[NEWLINE][BOUNDARY][NEWLINE]user: will I need to do it?[NEWLINE]agent: If you have received a subsidized, unsubsidized or PLUS loan under the Direct Loan Program or the FFEL Program, you must complete exit counseling each time you drop below half-time enrollment, graduate, or leave school.[NEWLINE][BOUNDARY][NEWLINE]user: how much time does this take up?[NEWLINE]agent: You must complete the process in a single session that lasts around 20-30 minutes.[NEWLINE][BOUNDARY][NEWLINE]user: what will I need to bring with me?
user: Can you please tell me about exit counseling?[NEWLINE]agent: Are you preparing to repay a federal student loan?[NEWLINE]user: I am indeed preparing to pay off my loan.[NEWLINE]agent: Exit counseling provides important information to prepare you to repay your federal student loan.[NEWLINE]agent: Have you received a subsidized, unsubsidized or PLUS loan under the Direct Loan Program or the FFEL Program?[NEWLINE]user: Yes, I have.[NEWLINE]agent: If you have received a subsidized, unsubsidized or PLUS loan under the Direct Loan Program or the FFEL Program you must complete the exit counseling.[NEWLINE][BOUNDARY][NEWLINE]user: How long does the counseling process take?[NEWLINE]agent: The entire counseling process must be completed in a single session and most people complete it in twenty to thirty minutes.[NEWLINE][BOUNDARY][NEWLINE]user: Do I need anything with me in order to complete the counseling?[NEWLINE]agent: You will need your verified FSA ID.[NEWLINE][BOUNDARY][NEWLINE]user: Who should complete this exit counseling?
user: I've heard about exit counseling and I came here wanting to know what exactly that is and how it works. Can you please tell me more about it?[NEWLINE]agent: Of course. Are you wondering what exit counseling is?[NEWLINE]user: Yes, like I mentioned above.[NEWLINE]agent: Well, exit counseling provides important information to prepare you to repay your federal student loan.[NEWLINE]user: What if I have received a PLUS loan under the Direct Loan Program?[NEWLINE]agent: In that case you must complete exit counseling each time you drop below half-time enrollment, graduate or leave the school.[NEWLINE]user: Wait, I have to complete exit counseling when graduating, too?[NEWLINE]agent: Yes, you do.[NEWLINE][BOUNDARY][NEWLINE]user: That's interesting, didn't know that. And who needs to complete exit counseling?[NEWLINE]agent: Students who have received a subsidized, unsubsidized or PLUS loan under the Direct Loan Program or the (FFEL) Program, must complete exit counseling each time they drop below half-time enrollment, graduate, or leave school.[NEWLINE][BOUNDARY][NEWLINE]user: Do I also need a verified FSA ID for this?
user: Why do I need exit counseling when dealing with federal student aid?[NEWLINE]agent: Do you know what Exit Counseling is?[NEWLINE]user: Actually, I do not know exactly what it is.[NEWLINE][BOUNDARY][NEWLINE]agent: Do you know who should complete the exit counseling?[NEWLINE]user: Yes, I know I am supposed to complete it but not why.[NEWLINE]agent: It is a step required for students who leave school, graduate, or fall below half-time student for PLUS loan, subsidized or unsubsidized loan under the Direct Loan Program or the FFEL Program.[NEWLINE][BOUNDARY][NEWLINE]user: What information does exit counseling provide?[NEWLINE]agent: Exit counseling gives important information that helps you prepare to repay your federal student loan.[NEWLINE]user: How do I complete exit counseling online?[NEWLINE]agent: You would look under Complete Exit Counseling and then log in to start.[NEWLINE]user: What if I leave school do I need exit counseling?
user: exit counseling info[NEWLINE]agent: Did you want to know what Exit Counseling is?[NEWLINE]user: yes[NEWLINE]agent: Exit counseling provides important information to prepare you to repay your federal student loan[NEWLINE]agent: Have you received a subsidized, unsubsidized or PLUS loan under the Direct Loan Program or the FFEL Program?[NEWLINE]user: no, just wanted to be prepared[NEWLINE][BOUNDARY][NEWLINE]user: what will I need to have to do this counseling?[NEWLINE]agent: You will need a verified FSA ID[NEWLINE][BOUNDARY][NEWLINE]user: who needs to complete the exit counseling?[NEWLINE]agent: Students who have received a subsidized, unsubsidized or PLUS loan under the Direct Loan Program or the FFEL Program, must complete exit counseling each time they drop below half-time enrollment, graduate, or leave school.[NEWLINE][BOUNDARY][NEWLINE]user: will I need this if I drop out without finishing or I transfer?
user: I need some information about the Graduated Repayment Plan.[NEWLINE]agent: I can assist you with that. The Graduated Repayment Plan allows you to start your loan with smaller payments that will increase every two years. You will make these payments for up to 10 years, depending on the amount of your loan.[NEWLINE]agent: Are you considered low income right now, but expect your income to increase over time?[NEWLINE]user: No, I'm not considered low income.[NEWLINE][BOUNDARY][NEWLINE]user: Do the payments differ for someone with a direct consolidation loan?[NEWLINE]agent: Yes. The length of your repayment period will depend on the amount of your total education loan debt.[NEWLINE][BOUNDARY][NEWLINE]user: What is the Loan Simulator?[NEWLINE]agent: The loan simulator allows you to get an estimate of your payment amount. Be aware that this is just an estimate and you should contact your loan servicer to figure out the best loan repayment plan for you.[NEWLINE][BOUNDARY][NEWLINE]user: What type of loans are eligible for the Graduated Repayment Plan?[NEWLINE]agent: Loans taken under the William D. Ford Federal Direct Loan Program and the Federal Family Education Loan Program are eligible for this plan.[NEWLINE]user: Where can I find more information on eligible federal loans?
user: I heard about a repayment plan which isn't all at once and would like information.[NEWLINE]agent: Yes the Graduated Repayment Plan starts with lower payments that increase every two years, and payments are made for up to 10 years between 10 and 30 years for consolidation loans.[NEWLINE]agent: Are you in a low paying job?[NEWLINE]user: Yes and I was worried about being hampered by huge debt repayment.[NEWLINE]agent: Well if your income is low now but you expect it to increase steadily over time, this plan may be right for you.[NEWLINE][BOUNDARY][NEWLINE]user: Are all Federal Student Aid eligible for this graduated repayment?[NEWLINE]agent: A list of loans from the William D. Ford Federal Direct Loan Program and the Federal Family Education Loan FFEL Program which are eligible for the Graduated Repayment Plan can be found here.[NEWLINE]user: Does the list include the Direct Subsidized Loans?[NEWLINE]agent: Yes it is eligible.[NEWLINE][BOUNDARY][NEWLINE]user: How often must I make a payment my loan?[NEWLINE]agent: You must make monthly payments.[NEWLINE][BOUNDARY][NEWLINE]user: Are there criteria for the amount that I must pay?
user: Hello, I would like to obtain information about The Graduate Payment Plan[NEWLINE]agent: Payments are made for up to 10 years between 10 and 30 years for consolidation loans.[NEWLINE]agent: Are your income low now?[NEWLINE]user: yes[NEWLINE]agent: If your income is low now, but you expect it to increase steadily over time, this plan may be right for you.[NEWLINE][BOUNDARY][NEWLINE]user: What type of loans can I be eligible for?[NEWLINE]agent: The following loans from the William D. Ford Federal Direct Loan Direct Program and the FFEL Federal Family Education Loan Program are eligible for the Graduated Repayment Plan:[NEWLINE]user: What type of loans can I be eligible for?[NEWLINE]agent: The following loans from the William D. Ford Federal Direct Loan Direct Program and the FFEL Federal Family Education Loan Program are eligible for the Graduated Repayment Plan:[NEWLINE]user: What programs are eligible for the Graduate Payment Plan?[NEWLINE]agent: William D. Ford Federal Direct Loan Direct Program and Federal Family Education Loan Program FFEL[NEWLINE][BOUNDARY][NEWLINE]user: And what about the monthly payments for consolidation loans?
user: Hello, I would like to know what the Graduate Payment Plan is like[NEWLINE]agent: Of course Payments are made for up to 10 years between 10 and 30 years for consolidation loans[NEWLINE]agent: Your income is low now, but do you expect it to increase steadily over time?[NEWLINE]user: no[NEWLINE][BOUNDARY][NEWLINE]user: and how are the monthly payments in this plan?[NEWLINE]agent: Under this plan, your monthly payments start low and increase every two years[NEWLINE]user: And how is the monthly payments for consolidation loans?[NEWLINE]agent: your payments are monthly[NEWLINE]user: What if I have a direct consolidation loan?[NEWLINE]agent: If you have a Direct Consolidation Loan or an FFEL Consolidation Loan, the length of your repayment period will depend on the total amount of your education loan debt.] This total education loan debt includes the amount of your consolidation loan and your other student loan debt....[NEWLINE]user: What if I have other loan debts?
user: I need some information about the Graduated Repayment Plan.[NEWLINE]agent: Allow me to assist you with that. Under the Graduated Repayment Plan, payments start low and increase every two years. These payments will be made for up to 10 years.[NEWLINE]agent: Are you considered low income, but expect your income to increase over time?[NEWLINE]user: Yes. I'll be making more money later on.[NEWLINE]agent: Great. This plan could be right for you.[NEWLINE][BOUNDARY][NEWLINE]user: Are FFEL Consolidation Loans eligible for this plan?[NEWLINE]agent: Yes, they are.[NEWLINE]user: What other loans are eligible?[NEWLINE]agent: Most loans from the William D. Ford Federal Direct Loan Program and the FFEL Program are eligible for this plan.[NEWLINE][BOUNDARY][NEWLINE]user: Can I use the loan simulator to estimate my payments under the Graduated Repayment Plan?[NEWLINE]agent: Absolutely. We recommend that you use our loan simulator before you contact your loan servicer.[NEWLINE][BOUNDARY][NEWLINE]user: How will my payments differ with a FFEL Consolidation Loan?
user: Please, tell me about the Graduated Repayment Plan[NEWLINE]agent: Sure. Payments are made for up to 10 years between 10 and 30 years for consolidation loans[NEWLINE]agent: Do you hope to constantly increase your income over time?[NEWLINE]user: Yes, I hope that[NEWLINE]agent: Ok, check this plan, maybe is good for you[NEWLINE][BOUNDARY][NEWLINE]user: What loans are eligible for the Graduated Repayment Plan?[NEWLINE]agent: Check the list below[NEWLINE][BOUNDARY][NEWLINE]user: Can you tell me about monthly payments for Federal Education Loans except Consolidation Loans?[NEWLINE]agent: Null[NEWLINE][BOUNDARY][NEWLINE]user: How can I include other student loan debts in determining the repayment period of my Direct Consolidation Loan?[NEWLINE]agent: You need to be sure to list those loans on your consolidation application in the section for listing loans that you do not want to consolidate, but want considered in the determination of your repayment period[NEWLINE][BOUNDARY][NEWLINE]user: How can I use the Loan Simulator to Estimate my Eligibility and Payment Amount Under the Graduated Repayment Plan?
user: I heard my payments on a graduated repayment plan will go higher so I wanted to know when that will happen[NEWLINE]agent: Payments will increase every two years[NEWLINE]agent: Do you expect your income to increase steadily over time?[NEWLINE]user: no, not the way things are in the economy today[NEWLINE][BOUNDARY][NEWLINE]user: how much can the payments increase?[NEWLINE]agent: They won't be more than three times greater than any other payment[NEWLINE][BOUNDARY][NEWLINE]user: is this true for the unsubsidized stafford loan?[NEWLINE]agent: Yes, Unsubsidized Federal Stafford Loans are eligible for the Graduated Repayment Plan[NEWLINE][BOUNDARY][NEWLINE]user: how long will I have to make payments?[NEWLINE]agent: Monthly payments are made for up to 10 years for all loan types except Direct Consolidation Loans and FFEL Consolidation Loans[NEWLINE][BOUNDARY][NEWLINE]user: would a direct unsubsidized loan also be eligible for this repayment plan?
user: I need some info about the graduated repayment plan[NEWLINE]agent: Sure. In this plan, payments are made for up to 10 years between 10 and 30 years for consolidation loans.[NEWLINE]user: What if my income is very low now?[NEWLINE]agent: Don't worry, this plan is good for you[NEWLINE][BOUNDARY][NEWLINE]user: Can you tell me about the monthly payments for consolidation loans?[NEWLINE]agent: Null[NEWLINE]agent: Do you have a Direct Consolidation Loan or FFEL Consolidation Loan?[NEWLINE]user: Yes, that's right[NEWLINE]agent: Then the length of your repayment period will depend on the amount of your total education loan indebtedness. This total education loan debt includes the amount of your consolidation loan and your other student loan debt.[NEWLINE]user: Can I  include other student loan debt in the determination of the repayment period for my Direct Consolidation Loan?[NEWLINE]agent: Yes, you can. Be sure to include those loans in your consolidation application in the section to list the loans that you do not want to consolidate, but that you want to consider in determining your repayment period.[NEWLINE][BOUNDARY][NEWLINE]user: How to use a loan simulator to estimate my eligibility and payment amount?
user: Hello, I would like you to help me choose the direct loan MPN[NEWLINE]agent: are you an undergraduate student?[NEWLINE]user: yes[NEWLINE]agent: in that case Use this MPN for Direct Subsidized Loans or Unsubsidized Direct Loans available to eligible undergraduate students.[NEWLINE][BOUNDARY][NEWLINE]user: okay. and after logging in what should I do?[NEWLINE]agent: you must click on View demo[NEWLINE][BOUNDARY][NEWLINE]user: okay. And could you tell me what a Master Note (MPN) is?[NEWLINE]agent: The Master Promissory Note MPN is a legal document that promises to pay your loan and accrued interest and fees to the US Department of Education.[NEWLINE][BOUNDARY][NEWLINE]user: and is there something for parents of college students?[NEWLINE]agent: Of course Use this MPN for direct PLUS loans available to eligible parents of eligible dependent undergraduate students.[NEWLINE][BOUNDARY][NEWLINE]user: and can i receive more than one loan?
user: Where do I get started to learn more about the loan master promissory note[NEWLINE]agent: Are you an undergraduate student?[NEWLINE]user: yes[NEWLINE]agent: You would select the option for MPN for Direct Subsidized Loans or Direct Unsubsidized Loans available to eligible undergraduate students[NEWLINE]user: what kind of info will it have?[NEWLINE]agent: You can view a demonstration to help you out[NEWLINE][BOUNDARY][NEWLINE]user: will I also get more info with my promissory note?[NEWLINE]agent: Yes, it explains the terms and conditions of your loan[NEWLINE][BOUNDARY][NEWLINE]user: where can I log in and do more?[NEWLINE]agent: I can give you a link so you can Log In[NEWLINE][BOUNDARY][NEWLINE]user: what's the use of the promissory note?
user: Hello, I would like you to help me choose the direct loan MPN[NEWLINE]agent: are you an undergraduate student?[NEWLINE]user: no[NEWLINE][BOUNDARY][NEWLINE]agent: Are you a graduate / professional student?[NEWLINE]user: yes[NEWLINE]agent: Find and use the MPN you need as a graduate or professional degree student to obtain federal student loans. Graduate / professional students may be eligible for unsubsidized direct loans, direct PLUS loans, or both. You must complete an MPN for each type of loan you want to receive.[NEWLINE][BOUNDARY][NEWLINE]user: Can you tell me what a Master Note is?[NEWLINE]agent: The Master Promissory Note MPN is a legal document that promises to pay your loan and accrued interest and fees to the US Department of Education.[NEWLINE][BOUNDARY][NEWLINE]user: And what about the parents of a university student?[NEWLINE]agent: Use this MPN for direct PLUS loans available to eligible parents of eligible dependent undergraduate students.[NEWLINE][BOUNDARY][NEWLINE]user: and can i receive more than one loan?
user: hello could you help me choose the direct loan MPN[NEWLINE]agent: Of course are you an undergraduate student?[NEWLINE]user: yes[NEWLINE]agent: in that case Use this MPN for Direct Subsidized Loans or Unsubsidized Direct Loans available to eligible undergraduate students.[NEWLINE]user: and what should I do after logging in?[NEWLINE]agent: after starting the section you must go to the section See demo[NEWLINE][BOUNDARY][NEWLINE]user: okay. Could you also tell me what a master promissory note is?[NEWLINE]agent: Of course The Master Promissory Note MPN is a legal document that promises to pay your loan and accrued interest and fees to the US Department of Education.[NEWLINE][BOUNDARY][NEWLINE]user: What if I'm a graduate student already?[NEWLINE]agent: Find and use the MPN you need as a graduate or professional degree student to obtain federal student loans. Graduate / professional students may be eligible for unsubsidized direct loans, direct PLUS loans, or both. You must complete an MPN for each type of loan you want to receive.[NEWLINE]user: where can i find more information?
user: hello could you help me to choose the MPN of direct loan that I want to obtain[NEWLINE]agent: are you an undergraduate student?[NEWLINE]user: yes[NEWLINE]agent: In that case Use this MPN for Direct Subsidized Loans or Unsubsidized Direct Loans available to eligible undergraduate students.[NEWLINE][BOUNDARY][NEWLINE]user: ok and could you tell me what a Master Note is?[NEWLINE]agent: Of course The Master Promissory Note MPN is a legal document that promises to pay your loan and accrued interest and fees to the US Department of Education.[NEWLINE][BOUNDARY][NEWLINE]user: Where can I see more information on the page?[NEWLINE]agent: click on View demo there will have more information[NEWLINE][BOUNDARY][NEWLINE]user: and is that MPN legal?[NEWLINE]agent: The Master Promissory Note MPN is a legal document that promises to pay your loan and accrued interest and fees to the U.S. Department of Education.[NEWLINE]user: and what does that document do?
user: hello could you help me to choose the MPN of direct loan that I want to obtain[NEWLINE]agent: are you an undergraduate student?[NEWLINE]user: no[NEWLINE][BOUNDARY][NEWLINE]agent: a graduate / professional student?[NEWLINE]user: no[NEWLINE][BOUNDARY][NEWLINE]agent: father of a college student?[NEWLINE]user: yes[NEWLINE]agent: Use this MPN for direct PLUS loans available to eligible parents of eligible dependent undergraduate students.[NEWLINE][BOUNDARY][NEWLINE]user: okay. and could you tell me what a Master Note is?[NEWLINE]agent: The Master Promissory Note MPN is a legal document that promises to pay your loan and accrued interest and fees to the U.S. Department of Education.[NEWLINE]user: and is this document legal?
user: Hello, could you help me choose the direct loan MPN that I want to obtain?[NEWLINE]agent: are you an undergraduate student?[NEWLINE]user: yes[NEWLINE]agent: In that case Use this MPN for Direct Subsidized Loans or Unsubsidized Direct Loans available to eligible undergraduate students.[NEWLINE]user: ok and what else do you recommend me right now?[NEWLINE]agent: it is important that you search More information on the page[NEWLINE][BOUNDARY][NEWLINE]user: ok, and could you give me more information about what is a Master Note?[NEWLINE]agent: The Master Promissory Note MPN is a legal document that promises to pay your loan and accrued interest and fees to the U.S. Department of Education.[NEWLINE]user: and could I receive more than one loan?[NEWLINE]agent: You may receive more than one loan under an MPN over a period of up to 10 years to pay for your or your child's educational costs, provided the school is authorized to use the MPN in this manner and chooses to do so. The school will inform you what loans, if any, you are eligible to receive.[NEWLINE][BOUNDARY][NEWLINE]user: okay. And what about a graduate student?
user: How do I choose the correct Direct Loan MPN within the FSA application process?[NEWLINE]agent: Are you currently an undergraduate student?[NEWLINE]user: Yes I am[NEWLINE]agent: You then use this particular MPN for Direct Subsidized Loans or Direct Unsubsidized Loans which are available to eligible undergraduate students[NEWLINE][BOUNDARY][NEWLINE]user: What if I am a Graduate or a Professional Student?[NEWLINE]agent: You then need to locate the correct MPN which will allow you to borrow federal student loans. This category of student can be eligible for Direct Unsubsidized Loans, Direct PLUS Loans or both. An MPN is needed for each loan type that you intend to avail of[NEWLINE][BOUNDARY][NEWLINE]user: What is a Master Promissory Note (MPN)?[NEWLINE]agent: The MPN is a legal document which outlines that you promise to repay your loan and any interest and fees to the US Department of Education[NEWLINE][BOUNDARY][NEWLINE]user: What if I am a parent of an undergraduate student, does this make any difference to the MPN process?[NEWLINE]agent: In this situation, you use the PLUS MPN for Direct PLUS Loans which are available to parents of undergraduate students[NEWLINE][BOUNDARY][NEWLINE]user: What is contained within an MPN when applying for federal student aid?