elplaguister/DTS_session_datasets huggingface dataset:
user: What would happen if my TPD discharge request would be denied?[NEWLINE]agent: If it is determined that you don't qualify for a TPD discharge, Nelnet will notify you of the reason for the denial of your application.[NEWLINE]user: I have not been denied, but would like to know what would happen if I could not qualify for a TPD discharge.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: If my loan would be discharged due to TPD, would I have to pay taxes on the discharged loan amount?[NEWLINE]agent: If you have showed that you are totally and permanently disabled based on documentation from the SSA or a doctor's certification meaning that you are subject to a three-year postdischarge monitoring period, you are considered to have received the discharge for federal tax purposes a the end of the postdischarge period and that is the federal tax period that you would have to use.[NEWLINE][BOUNDARY][NEWLINE]user: How should I let Nelnet know that I want to apply and request a TPD discharge?[NEWLINE]agent: You do that by phone or by e-mail.[NEWLINE][BOUNDARY][NEWLINE]user: What does Nelnet notify me of after I am declared disabled?[NEWLINE]agent: Nelnet will notify you that you will be subject to a three-year posdischarge monitoring period that begins on the date the discharge is approved, and that your obligation to repay your loans or complete your TEACH Grant service obligation will be reinstated if you don't meet certain requirements at any time during this monitoring period.[NEWLINE][BOUNDARY][NEWLINE]user: What does qualifying for a discharge relieve me of?
user: What would happen if my TPD discharge request would be denied?[NEWLINE]agent: Has your request been denied?[NEWLINE]user: It has.[NEWLINE]agent: Then you already know that Nelnet has notified you of the reason for the denial of your discharge application and has explained that you may ask for reevaluation of your discharge application if you provide new information that supports your eligibility for discharge within 12 months of the date you were notified that your discharge application had been denied.[NEWLINE][BOUNDARY][NEWLINE]user: Sure. But if my application has been denied, can I choose to be approved again?. Is it easy to apply for a loan discharge approval?[NEWLINE]agent: Do you have a Direct Loan or FFEL Program loan and wish to apply for a loan discharge due to false certification?[NEWLINE]user: Yes, that is exactly what I am looking to do[NEWLINE]agent: When applying for a discharge, you will need to complete the loan discharge application that is relevant to your own personal circumstance[NEWLINE][BOUNDARY][NEWLINE]user: If I get approval for a loan discharge, how much of my loan will be discharged?[NEWLINE]agent: Have you met the eligibility requirements for a discharge on your loan?
user: What about making payments?[NEWLINE]agent: The US Department of Education has several loan servicers that handle billing and other services on loans for William D. Ford Federal Direct Loans and for loans through FFEL and loans the ED later purchased.[NEWLINE]agent: Do you have automatic monthly debit of your loan payments?[NEWLINE]user: No, I have not set up automatic monthly debit payments from my checking or savings account.[NEWLINE]agent: Do you need to make a payment by postal mail?[NEWLINE]user: No, I do not mail my payment in.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE]user: Would I receive a discount for signing up for debit withdrawal of my payments?[NEWLINE]agent: Yes, you would receive.25% interest rate deduction on Direct Loans and you should contact your loan servicer for more information.[NEWLINE][BOUNDARY][NEWLINE]user: I have a concern about my student loan service. What if I have FFEL Program loans that is not owned by ED and I need to contact them?[NEWLINE]agent: Do you need to contact your FFEL Program loans not owned by ED servicer?[NEWLINE]user: Yes, I do need to contact them about details.
user: Hi there. I would like to get some information related to the repayment of loans.[NEWLINE]agent: Sure, we can help you to make a plan to successfully repay your loan.[NEWLINE][BOUNDARY][NEWLINE]user: Great. And when do I have to start paying this loan?[NEWLINE]agent: You start paying once you graduate., drop below half-time enrollment or if you leave school.[NEWLINE]agent: Is your student loan a direct subsidized or unsubsidized one or a federal family education loan?[NEWLINE]user: Not really... Well, I am not sure.[NEWLINE]agent: Is your loan a plus one?[NEWLINE]user: Yes, the one I got is that one.[NEWLINE]agent: Great. If that's the case you'll start to repay your loan just before it's payout.[NEWLINE][BOUNDARY][NEWLINE]user: I have a question in relation to my loan, is there any other option that I could have in regards to repayments, other than deferment or forbearance?[NEWLINE]agent: It could be worth looking at another plan such as an income-driven repayment plan before you choose forebearance or deferment.[NEWLINE][BOUNDARY][NEWLINE]user: Something more about the types of loans eligible for deferment, what if I am no longer eligible for the requirements for this loan?
user: Hello, I need information related to student payments please?[NEWLINE]agent: It is vitally important that you develop a plan that allows you to pay off your loan on time.[NEWLINE][BOUNDARY][NEWLINE]user: Can you tell me what the grace period consists of?[NEWLINE]agent: Of course, it is a plan that applies to most types of federal loans.[NEWLINE]user: Can you give me more information on that topic?[NEWLINE]agent: This plan applies after graduation.[NEWLINE]user: What does that plan consist of?[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: What electronic media does the information reach?[NEWLINE]agent: Keep an eye on his email, usually the information arrives by this means.[NEWLINE][BOUNDARY][NEWLINE]user: Concerning Temporary Relief? What happens during the period of deferment or forbearance?[NEWLINE]agent: Interest will accrue during your period of deferment or forbearance except in cases like one offered as a result of COVID-19 national emergency.[NEWLINE][BOUNDARY][NEWLINE]user: Are my federal student loans able to be transferred from my current administrator to another administrator?
user: who are we really dealing with when we get a direct loan?[NEWLINE]agent: The U.S. Department of Education uses several loan servicers to handle the billing and other services on loans for the William D. Ford Federal Direct Loan Program[NEWLINE]agent: Did you have any questions on automatic debits?[NEWLINE]user: nope I will pay another way[NEWLINE]agent: Would you like to know how to make a payment by postal mail?[NEWLINE]user: no I want to know more about loans[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE]user: what other loans do other places handle for you?[NEWLINE]agent: The U.S. Department of Education also uses several loan servicers to handle the billing and other services on loans for that were made under the Federal Family Education Loan Program and that ED later purchased.[NEWLINE]agent: Would you like information on repayment plan options?[NEWLINE]user: no you answered what I needed thank you[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: Can you give me more info about the General Forbearance? What is the significance of calling a general forbearance by a different name?[NEWLINE]agent: It is called a discretionary forbearance because the loan servicer can decide to grant the request.[NEWLINE][BOUNDARY][NEWLINE]user: Okay. Now in terms of loan eligibility and deferment, what loans are liable for non-payment during the post-deferment grace period?
user: What is something I should do before student loan repayment begins?[NEWLINE]agent: You should have a plan that would keep you on track to pay back your loan on time and in full before repayment begins.[NEWLINE][BOUNDARY][NEWLINE]user: Should I contact my loan servicer if I am struggling to make payments?[NEWLINE]agent: Yes, it is a wise decision to contact your loan servicer if you are struggling to make your payments.[NEWLINE][BOUNDARY][NEWLINE]user: What is the grace period for federal student loans?[NEWLINE]agent: For federal student loans the grace period is after you graduate, leave school, or drop below half-time, you would have a six month grace period and sometimes 9 months for Perkins Loans.[NEWLINE][BOUNDARY][NEWLINE]user: Is it possible to make a payment to another loan servicer if I don't want to use Great Lakes or Nelnet?[NEWLINE]agent: Yes you can. You can also get a 0.25% interest rate deduction when you  participate in automatic debit.[NEWLINE][BOUNDARY][NEWLINE]user: Where can I find out more about payments to Great Lakes or Nelnet?[NEWLINE]agent: If you have an account with Great Lakes or Nelnet visit your account dashboard for more information.[NEWLINE][BOUNDARY][NEWLINE]user: Is there a way that I can make sure that I never miss a payment of my loan?
user: Hi, I need to make regular payments on my student loan. What sort of options are available to make this easier for me?[NEWLINE]agent: You can set up a Standard Repayment Plan with  your loan servicer. If this does not work for you you can tell your loan servicer that you would like a different repayment plan. It is best to contact your loan servicer about repayment of  your loan.[NEWLINE]agent: Would you like to schedule an automatic monthly electronic debit for the repayment of your loan?[NEWLINE]user: No I don't think I would like that.[NEWLINE]agent: Would you prefer to made a payment on your loan by sending a check by mail?[NEWLINE]user: Yes I would like to pay by check.[NEWLINE]agent: That can be done. You will have to contact your loan servicer and ask for their mailing address and you can then mail them a check.[NEWLINE][BOUNDARY][NEWLINE]user: I'd like to inquire about what would happen to my loan if I stop making payments while my deferment application is pending?[NEWLINE]agent: You loan will be considered delinquent and you might go into default.[NEWLINE][BOUNDARY][NEWLINE]user: On a somewhat related note, with my current loans. What are my options to make my loan payment?[NEWLINE]agent: You can contact your loan servicer who will advise you as to how to make payments on your loan.[NEWLINE][BOUNDARY][NEWLINE]user: Okay, thanks for the heads up, I'll remember that. Another thing I'd like to learn more about is loan transfers, could you assist me?
user: Could you possibly give me some tips and pointers on developing a plan that would put me on track for student loan repayment in full and on time?[NEWLINE]agent: Before your repayment begins, develop a plan that puts you on track.[NEWLINE][BOUNDARY][NEWLINE]user: Is there any way to get an interest rate deduction on a Direct Loan?[NEWLINE]agent: If you schedule an automatic monthly electronic debit of your loan payment from your bank account, you may receive a 0.25% interest rate deduction on your Direct Loan.[NEWLINE][BOUNDARY][NEWLINE]user: Who Should I Contact About Loan Information?[NEWLINE]agent: If you re no longer in school, contact your loan servicer when you change your name, address, or phone number ; need help making your loan payment.[NEWLINE][BOUNDARY][NEWLINE]user: Is there a way to identify my servicer, too?[NEWLINE]agent: Yes. We have a list of loan servicers for loans that the U.S Department of Education ED owns.[NEWLINE]agent: Do you want to find out who your loan servicer is?[NEWLINE]user: Yes, exactly.[NEWLINE]agent: In that case you can call the Federal Student Aid Information Center FSAIC at 1 - 800 - 433 - 3243.[NEWLINE][BOUNDARY][NEWLINE]user: What if I have loans from the HEAL program, in default?
user: how student loan payments are handled[NEWLINE]agent: Well the US Department of Education uses multiple loan managers to handle billing and other loan services for the William D. Ford Federal Direct Loan Direct Loan Program and for loans made under the FFEL Program of Federal Family Education Loans and that ED later purchased[NEWLINE]agent: do you want to make a payment?[NEWLINE]user: If I want to know more about this topic and make payments[NEWLINE]agent: You will receive a 0.25% interest rate deduction on direct loans. Contact your loan servicer for more information.[NEWLINE][BOUNDARY][NEWLINE]user: By the way, who can I contact to give me information on whether these loans are for this year or the next?[NEWLINE]agent: Your school's financial aid office must have that information[NEWLINE][BOUNDARY][NEWLINE]user: What if I've fallen behind on one or more loan payments? What should I try to stay away from?[NEWLINE]agent: One thing you definitely want to avoid is going default! This occurs when you are at least nine months behind on your student loan. The consequences of default include damage to your credit rating and future indebtedness.[NEWLINE][BOUNDARY][NEWLINE]user: I have another question regarding the Military Service and Post-Active Duty Student Deferment. What will happen if I am in the military and want a deferment?[NEWLINE]agent: You will have to complete the Military Service and Post-Active Duty Student Deferment Request.[NEWLINE][BOUNDARY][NEWLINE]user: something else I want to ask about FAFSA. What is causing the totals reported last year to be different?[NEWLINE]agent: contact your loan servicer to find out your options.[NEWLINE][BOUNDARY][NEWLINE]user: How can I make a payment by post?[NEWLINE]agent: you must contact your loan servicer for the mailing address[NEWLINE][BOUNDARY][NEWLINE]user: Can you forgive the student loan?