elplaguister/DTS_session_datasets huggingface dataset:
user: I left school and need to know if I'm eligible for a dicharge of my federal student loans.[NEWLINE]agent: 'll be happy to help you find out if you qualify for an unpaid return discharge.[NEWLINE]agent: Was your loan made under the William D. Ford Federal Direct Loan Program or the FFEL Program?[NEWLINE]user: No. I don't think it was.[NEWLINE]agent: Has the school that you've withdrawn from refused to make a required return of your loan money?[NEWLINE]user: No, they haven't refused, but they seem to be dragging their feet about it.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: How would I go about applying for the unpaid refund discharge?[NEWLINE]agent: Is the school that you used to attend still open?[NEWLINE]user: No. They are closed.[NEWLINE]agent: Have they shutdown permanently?[NEWLINE]user: Yes.[NEWLINE]agent: In that case, you will need to first find out if you are eligible for a closed school discharge.[NEWLINE]user: By the way, to obtain information about my aid loan, who should I turn to for advice?[NEWLINE]agent: Never pay an outside company for help with your federal student loans. Your loan servicer will help you FREE. Contact your administrator to request income-based payment plans, student loan forgiveness, and more.[NEWLINE][BOUNDARY][NEWLINE]user: Well,. My old school closed and I took the credits from there to my new program at a new school. The fact that my school closed was not my fault, but does that mean that I am ineligible for the fulfillment of the loans I received at the closed school now? Or I could make an exception to the rule and let me keep the loan
user: Hello, I have an issue. I withdrew from school and I'm wondering about some things regarding the return of my loan funds.[NEWLINE]agent: You're in the right place then. Here you can learn more about the unpaid refund discharge to see whether you might qualify.[NEWLINE]agent: Did you withdraw from school after receiving a loan made under the William D. Ford Federal Direct Loan Direct Loan Program or Federal Family Education Loan FFEL Program?[NEWLINE]user: No, that isn't the case.[NEWLINE]agent: Did the school NOT make a required return of the loan funds after you withdrew?[NEWLINE]user: No, they returned the loan funds.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: So how much of my loan will be discharged if I was approved for that?[NEWLINE]agent: Only the portion of your loan that your school should have returned will be discharged. Contact your loan servicer for more information.[NEWLINE][BOUNDARY][NEWLINE]user: Is my service as a teacher eligible for loan forgiveness? In fact, I have taught full-time in a low-income school for eight complete and consecutive academic years.[NEWLINE]agent: Yes, you may be eligible for forgiveness of up to $ 17,500 on your Direct Subsidized and Unsubsidized Loans and your Subsidized and Unsubsidized Federal Stafford Loans[NEWLINE][BOUNDARY][NEWLINE]user: Can I receive loan forgiveness under both the Teacher Loan Forgiveness Program and the Public Service Loan Forgiveness Program?
user: How do I decide which income-driven repayment plan to choose within the FSA process?[NEWLINE]agent: Have you decided that an income-driven repayment plan is what you want to proceed with?[NEWLINE]user: Yes, that is my choice[NEWLINE]agent: In that case, you will need to choose the plan that will provide the most benefits to you which are based on your own personal circumstances[NEWLINE][BOUNDARY][NEWLINE]user: What does it mean when it says that I must be a new borrower to qualify for the PAYE Plan?[NEWLINE]agent: This means that you must have had no outstanding balance on a Direct Loan or FFEL Program loan when you received a Direct Loan or FFEL Program loan on or after Oct. 1, 2007, and you must have received a disbursement of a Direct Loan on or after Oct. 1, 2011[NEWLINE][BOUNDARY][NEWLINE]user: Okay, that's it. the direct loan is also something I'd like to know. Do we have the option of selecting a payment plan?[NEWLINE]agent: You have the option to choose a repayment plan. If you don’t choose a repayment plan your loan servicer places you on the Standard Repayment Plan.[NEWLINE]user: should I just let them leave me on the standard plan?[NEWLINE]agent: The Standard Repayment Plan saves you money over time because your monthly payments may be slightly higher than payments made under other plans, but you will pay off your loan sooner. You end up paying the least amount of interest over the life of your loan.[NEWLINE][BOUNDARY][NEWLINE]user: can I use other loans to have you look at when you work out the repayments on a Direct Consolidation Loan?
user: will my repayment plan be divided into similar payments?[NEWLINE]agent: No, your required monthly payment amount may increase or decrease if your income or family size changes from year to year.[NEWLINE]agent: Did you want to know more about recertification?[NEWLINE]user: no I need some other things[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: about how long will it take to pay back?[NEWLINE]agent: Income-driven repayment plans have different repayment periods.[NEWLINE][BOUNDARY][NEWLINE]user: Good to know! what are the different payment plans?. Is there a grace period after graduation?[NEWLINE]agent: After you leave school or drop below half-time enrollment, you have a six-month grace period sometimes nine months for Perkins Loans before you must begin making payments.[NEWLINE][BOUNDARY][NEWLINE]user: Would that be when I would have to begin making payments?[NEWLINE]agent: Once you graduate, drop below half-time enrollment, or leave school, your federal student loan goes into repayment.[NEWLINE]agent: Is your loan a Direct Subsidized, Direct Unsubsidized, or Federal Family Education Loan?[NEWLINE]user: Yes, it is.
user: I need help with understanding annual re-certification requirements on income and family size.[NEWLINE]agent: I can help you with that. It's very important that you re-certify your income and family size by the given annual deadline.[NEWLINE]agent: Have you recertified your income by the deadline?[NEWLINE]user: Yes, I have.[NEWLINE]agent: Excellent. Those who don't re-certify would be subject to varying consequences depending on their plan.[NEWLINE][BOUNDARY][NEWLINE]user: What are the consequences if you fail with that?. What if I am employed in more than one part-time skilled job at the same time?[NEWLINE]agent: You will be considered full time if you work a combined average of at least 30 hours per week with your employers.[NEWLINE][BOUNDARY][NEWLINE]user: Can you tell me more information on what are the advantages of applying for an income-driven repayment plan?[NEWLINE]agent: Completing the application allows you to select an income-driven repayment plan by name or  request that your loan servicer determine what plan you qualify for. The loan servicer would then place you on the plan with the lowest monthly payment.[NEWLINE][BOUNDARY][NEWLINE]user: Good to know, and regarding the gradual payment plan, for what types of loans can I be eligible with this type of plan?[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][BOUNDARY][NEWLINE]user: Alright. About the PAYE and IBR Plans. Is there a case if I have an outstanding Direct Loan balance?[NEWLINE]agent: If you have an outstanding balance on a Direct Loan or FFEL program loan when you received a loan on or after Oct. 1st 2007, you will not qualify for the PAYE plan.[NEWLINE][BOUNDARY][NEWLINE]user: How do REPAYE and ICR plans work?[NEWLINE]agent: Under these plans, your payment is always based on your income and family size, regardless of income changes. For example, if your income increases over time, your payment may be higher than the amount you would have to pay under the 10 year Standard Repayment Plan.[NEWLINE][BOUNDARY][NEWLINE]user: What repayment plan is available for FFEL program loans?
user: Hi, I'd like to know where can I get more information about income-based payment plans?[NEWLINE]agent:  Want more information about the income - driven repayment plans?[NEWLINE]user: yes[NEWLINE]agent: Explore our Questions and Answers page on Income Driven Plans[NEWLINE][BOUNDARY][NEWLINE]user: That's very intriguing, to say the least. I have a loan that is classified as FFEL Plus. Is that the kind of loan that qualifies for the lower payments?[NEWLINE]agent: It is. The Federal Family Education Loan Plus program is one of the types of loan under te reduced payments option.[NEWLINE]user: And what about Unsubsidized Federal Stafford Loans? I have an acquaintance that has one of those.[NEWLINE]agent: Yes, is it eligible too.[NEWLINE][BOUNDARY][NEWLINE]user: The way to repay my loan under this plan is still on a monthly basis, right?[NEWLINE]agent: That's correct. The payments are still on a monthly base, but they increase or decrease based on your annual income and are valid for a maximum time period of ten years.[NEWLINE][BOUNDARY][NEWLINE]agent: Do yo have more loans owned by U.S Department of Education?[NEWLINE]user: Yeah, i have two of them.
user: Will something happen if I don't get my income and family size recertified by the annual deadline?[NEWLINE]agent: It is really important to recertify before the annual deadline.[NEWLINE]agent: Do you need to know what happens if you don't recertify your income before the deadline?[NEWLINE]user: Yes, I would like to know the answer about recertifying my income.[NEWLINE]agent: The things that will happen vary depending on the plan you have.[NEWLINE][BOUNDARY][NEWLINE]user: I see, another question about student loan repayments, which loan servicers are used for making payments?[NEWLINE]agent: The US Depatment of Education has many loan servicers that handle the billing and other services on loans for William D. Ford Federal Direct Loan and for loans that will made under FFEL and ED purchased.[NEWLINE][BOUNDARY][NEWLINE]user: What will happen to my repayment plan if I don t recertify my income and family size by the annual deadline?[NEWLINE]agent: The same repayment plan would be enforced if you do not recertify your family size.[NEWLINE][BOUNDARY][NEWLINE]user: I just remember to ask about Eligible Federal Loans. 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: I would like to ask, how can I request a payment plan based on income? Also, what if I have income that is tax-free or if I simply have no income at all?[NEWLINE]agent: You would have to mark it the online application or paper application and you are not required to supply further documentation.[NEWLINE][BOUNDARY][NEWLINE]user: Are their other repayment options if I do not want an income-driven repayment plan?[NEWLINE]agent: You would need to contact your loan servicer and discuss repayments options such as extending our repayment period or temporarily suspend your repayment through deferment or forbearance.[NEWLINE][BOUNDARY][NEWLINE]user: Is there another option besides income-driven plans for PLUS loans for parents?
user: Hello i would like to get information about What types of federal student loans can I repay under an income-based repayment plan?[NEWLINE]agent: The table below shows the types of federal student loans you can pay under each of the income-based payment plans.[NEWLINE]user: What happens if I consolidate a FFEL Program Loan?[NEWLINE]agent: You can repay the Direct Consolidation Loan under the REPAYE, PAYE and ICR Plan depending on The type of loan you consolidate.[NEWLINE][BOUNDARY][NEWLINE]user: How do I see the plans?[NEWLINE]agent: Try This Resource Federal Student Loans: Paying Off Your Loans Provides information on federal student loan repayment plan options, finds loan history and loan managers, and makes payments.[NEWLINE][BOUNDARY][NEWLINE]user: I have another question about eligible federal loans that I'd like to ask. Is this valid for a stafford loan that isn't subsidized?[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: What is involved in applying for an income-driven repayment plan through the FSA?[NEWLINE]agent: Before any application is made, you are advised to contact your loan servicer if you have any queries or questions. Your loan servicer will be able to advise you which plan is the correct one for you[NEWLINE]user: How do I apply for an income-driven repayment plan?[NEWLINE]agent: You have t submit an application which is known as the Income-Driven Repayment Plan Request form[NEWLINE]user: Is my AGI ever used during my income-driven repayment plan application?[NEWLINE]agent: Have you filed a federal income tax return in the past two years?[NEWLINE]user: Yes I have[NEWLINE]agent: And may I ask, is your current income significantly different from the income that was reported on your most recent federal income tax return?[NEWLINE]user: Yes, it's quite different[NEWLINE]agent: null[NEWLINE][BOUNDARY][NEWLINE]user: Can I use other loans for me to look at when calculating repayments for a direct consolidation loan?
user: Hello, what are the low payments for federal loans?[NEWLINE]agent: Hay una tabla donde se relaciona el tipo de prestamo con los tipos de pagos basado en ingresos.[NEWLINE]agent: Puedes considerar un prestamo mediante el   programa FFEL o un préstamo federal Perkins.[NEWLINE]user: En que cosiste este tipo de plan?[NEWLINE]agent: Tiene como objetivo el reembolsar el Préstamo de Consolidación Directa bajo el Plan REPAYE, PAYE e ICR.[NEWLINE][BOUNDARY][NEWLINE]user: I'd like to inquire about Temporary Relief. Can we get assistance because of the coronavirus and the loss of our jobs?[NEWLINE]agent: Yes, federal student loan borrowers are automatically being placed in an administrative forbearance, which allows you to temporarily stop making your monthly loan payments. This suspension of payments will last from March 13, 2020, through Sept. 30, 2020.[NEWLINE][BOUNDARY][NEWLINE]user: If I have any questions regarding my loan that are not covered in the FAQs, where can I go for the information?[NEWLINE]agent: You can call the FedLoan Servicing at 1-855-265-4038.[NEWLINE][BOUNDARY][NEWLINE]user: How do I apply for a repayment plan based on my income?[NEWLINE]agent: It is important to note if you have filed a federal tax return in the past two years.[NEWLINE]user: What is the federal tax return?[NEWLINE]agent: You have to report your current income.[NEWLINE]user: Does the information in both scenarios have to match?[NEWLINE]agent: It is important to report adjusted gross income or alternative income documentation.[NEWLINE][BOUNDARY][NEWLINE]user: Do I need to know all the options to be able to cancel my aid loan?[NEWLINE]agent: Sure, an income-based plan is not recommended.[NEWLINE]user: What does this plan consist of?
user: Hello there. I need to know what happens if I miss the annual deadline to recertify my income.[NEWLINE]agent: Of course. It's important for you to recertify your income and family size by the specified annual deadline.[NEWLINE]agent: Did you NOT recertify your income by the deadline?[NEWLINE]user: No. I mean yes, but my case is a little specific.[NEWLINE]agent: Did you NOT recertify your income by the deadline and are you under the REPAYE plan?[NEWLINE]user: Yes. That's the issue.[NEWLINE]agent: Then you'll be removed from the REPAYE Plan and placed on an alternative repayment plan.[NEWLINE]user: By the way, for alternative repayment options.. well, I get it. What do I 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]user: On a similar note, what happens if I don't re certify my salary and family size? What happens if I have a different payment plan?[NEWLINE]agent: Under this alternative repayment plan, your required monthly payment is not based on your income.[NEWLINE][BOUNDARY][NEWLINE]user: Regarding the identification of my servicer, how can I find out who my loan servicer is?
user: Hello, I need to know what happens if I do not recertify my income and the size of my family?[NEWLINE]agent: It is vitally important to carry out such processes by the specified annual deadline to avoid penalties.[NEWLINE]agent: If you do not carry out such a process, I recommend that you recertify your income on the stipulated date.[NEWLINE]user: Can you tell me more about it?[NEWLINE]agent: If you do not carry out the process in the time limit, you will be presented with other options that you should take into account.[NEWLINE]user: Can you advise me more about that particular case please?[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: Can you explain what the AGI consists of?[NEWLINE]agent: Before continuing, can you tell me if you filed the federal tax return?[NEWLINE]user: What would happen if I did not do it?[NEWLINE]agent: It is important that current income is not different with what you reported on the tax return.[NEWLINE]user: What would happen if I did not make the declaration in the last years?[NEWLINE]agent: It can also be adjusted gross income or some alternative income report.[NEWLINE][BOUNDARY][NEWLINE]user: Another query regarding the standard repayment plan. Do we have the option of selecting a payment plan?[NEWLINE]agent: You have the option to choose a repayment plan. If you don’t choose a repayment plan your loan servicer places you on the Standard Repayment Plan.[NEWLINE][BOUNDARY][NEWLINE]user: Is there any other options for me if I've missed one or more loan payments?or if I can't make payments at all?
user: Hello, I would like to know how much you have to pay monthly for an income based payment plan?[NEWLINE]agent: The amounts can vary, it all depends on several factors.[NEWLINE]user: Can you advise me on recertifying?[NEWLINE]agent: It is vitally important that you enter another payment plan request based on income.[NEWLINE][BOUNDARY][NEWLINE]user: I have a further question about FFEL. What FFEL Programs Loans are eligible for someone in my position?[NEWLINE]agent: The subsidized and unsubsidized Federal Stafford Loans, FFEL PLUS loans, and FFEL Consolidation Loans are all available for Income-Sensitive Repayment Plan.[NEWLINE][BOUNDARY][NEWLINE]user: What if I have an FFEL Program loan owned by the US Department of Education?[NEWLINE]agent: You should contact your loan servicer.[NEWLINE][BOUNDARY][NEWLINE]user: What would my monthly payments look like under this Income-Sensitive Repayment plan?[NEWLINE]agent: Under this plan your monthly payments will increase or decrease based on your annual income and are made for a maximum of 10 years.[NEWLINE][BOUNDARY][NEWLINE]agent: Do you have an FFEL Program loan owned by the US Department of Education?
user: Can I get a teacher loan forgiveness?[NEWLINE]agent: Are you currently in default on a loan?[NEWLINE]user: No, I'm not.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: But in case I apply for a teacher loan forgiveness, what should I do if my loan is with a different loan servicers?[NEWLINE]agent: If that's the case, you should submit a separate form to each servicer.[NEWLINE][BOUNDARY][NEWLINE]user: I have another question about defaulting on my federal loan, would my late payment affect my future financial status?[NEWLINE]agent: Yes the consequences may affect your financial future so it is best to find out how to get out of default and take steps now.[NEWLINE][BOUNDARY][NEWLINE]user: very well. Now to apply for or create the loan that I need to make. Is the Parent PLUS Loan Eligible for Teacher Loan Forgiveness?[NEWLINE]agent: No, PLUS loans for parents aren't eligible for this type of forgiveness.[NEWLINE][BOUNDARY][NEWLINE]user: Okay, regarding my Perkins Loan, can I be eligible for all or part of it to be canceled?[NEWLINE]agent: Yes. If you have a Perkins Loan, you may get it discharged under certain conditions, which means you would no longer be obligated to pay back your loan.[NEWLINE][BOUNDARY][NEWLINE]user: By the way, As a full-time secondary school teacher, what is the maximum amount of loan forgiveness I can get?[NEWLINE]agent: If you didn't teach mathematics, science, or special education, you may receive up to 5000$ in loan forgiveness.[NEWLINE][BOUNDARY][NEWLINE]user: And what if I'm an AmeriCorps Program volunteer, there's anything I should be aware of when applying for a teacher loan forgiveness?
user: I want to know if I'm eligible for a teacher loan forgiveness.[NEWLINE]agent: Are you in default on a loan?[NEWLINE]user: I am, yes.[NEWLINE]agent: Then first you should make satisfactory repayment arrangements with the holder of the defaulted loan, if you don't do that first then you wouldn't be eligible.[NEWLINE][BOUNDARY][NEWLINE]user: And what do I have to do if the loans are with different loan servicers?[NEWLINE]agent:  just submit a separate form to each of the servicers.[NEWLINE][BOUNDARY][NEWLINE]user: In my case, I taught at school that was included in the TCLI Directory only during my first year of teaching. Would the rest of my teaching years be counted towards the 5 years to qualify for the teacher loan forgiveness?[NEWLINE]agent: Yes, don't worry, the rest of your teaching years on that school will be counted as well.[NEWLINE][BOUNDARY][NEWLINE]user: I'd also like to know on what do I need to do if I'm ready to apply for the unpaid refund discharge?[NEWLINE]agent: Then you must complete the Loan Discharge Application: Unpaid Refund and send the completed form to your loan servicer.[NEWLINE]user: What if I want to apply for an unpaid refund discharge, but my school has closed down?
user: I have a teacher loan forgiveness question on how much can be forgiven[NEWLINE]agent: If you qualify you may be be eligible for forgiveness of up to $17,500 on your Direct Subsidized and Unsubsidized Loans and your Subsidized and Unsubsidized Federal Stafford Loans.[NEWLINE]agent: Have you taught full-time for five complete and consecutive academic years in a low-income school or educational service agency?[NEWLINE]user: no, but almost there so just need information[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: what else do I need to be eligible for the $17,500 forgiveness?[NEWLINE]agent: Are you a highly qualified full-time mathematics or science teachers who taught students at the secondary level?[NEWLINE]user: no I teach English[NEWLINE]agent: Are you a highly qualified special education teacher at either the elementary or secondary level whose primary responsibility was to provide special education to children with disabilities?[NEWLINE]user: no just an English teacher[NEWLINE]agent: You don't qualify for the full $17,500 loan forgiveness.[NEWLINE][BOUNDARY][NEWLINE]user: I do not understand why I do not qualify what I am missing?. How is my loan repayment amount calculated?[NEWLINE]agent: The amount of your discretionary income is calculated by examining your adjusted gross income from your most recent federal income tax return that exceeds 150 percent of the poverty guideline amount for your state and family size.[NEWLINE]user: I have another question about eligibility requirements for Federal Perkins Loans. What is the basis of eligibility for teacher cancellation?