elplaguister/DTS_session_datasets huggingface dataset:
user: I want to get a federal work-study job, so I wanted to get some information about it.[NEWLINE]agent: Of course. Undergraduate and graduate students with work-study jobs will work part-time on or off campus while enrolled.[NEWLINE]user: Alright. What else can you tell me about federal work-study jobs?[NEWLINE]agent: They are administered by schools participating in the Federal Work-Study Program.[NEWLINE][BOUNDARY][NEWLINE]user: Does this mean I can work as many hours as I want?[NEWLINE]agent: No. The amount you earn can't exceed your total Federal Work-Study award.[NEWLINE]agent: Are you wondering how work hours are assigned?[NEWLINE]user: Yes, please explain.[NEWLINE]agent: In order to do so, your employer or your school's financial aid office will consider your class schedule and your academic progress.[NEWLINE][BOUNDARY][NEWLINE]user: How can I find out if my school takes part in the work-study program?[NEWLINE]agent: Check with your school's financial aid office to find out if your school participates.[NEWLINE][BOUNDARY][NEWLINE]user: I'll do that. What about jobs that are off campus?
user: I came here to learn more about work-study jobs. Can you please tell me more about those?[NEWLINE]agent: Of course.Undergraduate and graduate students with work-study jobs will work part-time on or off campus while enrolled.[NEWLINE]user: What else can you tell me about work-study jobs?[NEWLINE]agent: They are administered by schools participating in the Federal Work-Study Program. Check with your school's financial aid office to find out if your school participates.[NEWLINE][BOUNDARY][NEWLINE]user: What kinds of jobs exist?[NEWLINE]agent: The Federal Work-Study Program emphasizes employment in civic education and work related to your course of study whenever possible.[NEWLINE][BOUNDARY][NEWLINE]user: Are those jobs on campus or off campus?[NEWLINE]agent: Both. They can be on and off campus.[NEWLINE]agent: Do you plan to work on campus?[NEWLINE]user: Yes, it just seems to be more practical.[NEWLINE]agent: If you work on campus, you'll usually work for your school.[NEWLINE][BOUNDARY][NEWLINE]user: What if I'm a graduate or professional student?
user: I need some work study know how[NEWLINE]agent: Okay, undergraduate and graduate students with work-study jobs will work part-time on or off campus while enrolled at school.[NEWLINE][BOUNDARY][NEWLINE]user: do we get to work for private businesses?[NEWLINE]agent: You might be able to. Some schools might have agreements with private for-profit employers for work-study jobs, but these jobs must be relevant to your course of study.[NEWLINE][BOUNDARY][NEWLINE]user: do we get paid by the hour or a certain amount?[NEWLINE]agent: That depends partly on whether you are an undergraduate or graduate student.[NEWLINE]agent: Are you an undergraduate student?[NEWLINE]user: no[NEWLINE]agent: Are you a graduate or professional student?[NEWLINE]user: I'm a grad student[NEWLINE]agent: You will be paid by the hour or by salary depending on the work you will be doing.[NEWLINE][BOUNDARY][NEWLINE]user: who runs the work study service?
user: Hi. Well, I'm having some problems right now and I would like to know if there is a way that I can stop paying my student loan for a time.[NEWLINE]agent: Sure. Is so sad to know about you are having troubles right now. But the a loan forbearance is an option that allows you to stop making payments for a while, but is better if you find out first if this is the best option for you or if you have the chance to do smaller payments.[NEWLINE]agent: Have you considered this possibilities?[NEWLINE]user: No, I have not. But is a good advice.[NEWLINE][BOUNDARY][NEWLINE]user: And what happens if I don't pay the interest on my student loan, by the way?[NEWLINE]agent: This might become into a higher amount of money you will need to repay over the life of your loan.[NEWLINE][BOUNDARY][NEWLINE]user: I see, but the problems I am having right now, are because the coronavirus crisis. I have some others economics problems too and they are turning very difficult to handle. Are there any kind of alternative?[NEWLINE]agent: Those who have a federal student loan are automatically being placed in an administrative forbearance, which allow them stop making their monthly loan payments.[NEWLINE]user: Oh, that's great to hear. But I can also do smaller payments if I have the chance right?[NEWLINE]agent: That's right. They won't be mandatory, but you are free to do them if you can.[NEWLINE]user: Where else I can go if I have more question about this?
user: Hi there. I'm looking information related to forbearance.[NEWLINE]agent: Would you like to know the requirements for a mandatory forbearance?[NEWLINE]user: Sound interesting, but I would like to know about it later.[NEWLINE][BOUNDARY][NEWLINE]user: I would like to know a little more about the debt burden, can you tell me about that?[NEWLINE]agent: Sure, the total amount you own each month for all the federal student loans you received is 20 percent or more of your total monthly gross income.[NEWLINE][BOUNDARY][NEWLINE]user: I see... But there is a forbearance right now due the virus crisis, right?[NEWLINE]agent: Yes, that's right. This will allow you to temporarily stop making your monthly loan payments.[NEWLINE][BOUNDARY][NEWLINE]user: And what happens in case of a medical or dental internship or residency?[NEWLINE]agent: You'll be serving an internship or resident program and you meet specific requirements.[NEWLINE][BOUNDARY][NEWLINE]user: Is possible to keep the eligibility requirements for the for the forbearance when the period of application is over?
user: How would I go about requesting a forbearance?[NEWLINE]agent: Most forbearances are not automatic and you need to submit a request to your student loan servicer and you must provide your servicer with documentation to show that you meet the requirements for the forbearance you are wanting.[NEWLINE]agent: Do you know what to do certain types of forbearance?[NEWLINE]user: Yes, I am aware I need to show documentation for certain types of forbearance.[NEWLINE]agent: That is great that you know you would need to show documentation for eligibility.[NEWLINE][BOUNDARY][NEWLINE]user: What is the duration of a general forbearance?[NEWLINE]agent: Do you know there are three programs in which you can use a forbearance?[NEWLINE]user: No, i didn't know that.[NEWLINE]agent: Will you be experiencing a hardship when your current forbearance expires?[NEWLINE]user: Yes, I will still be experiencing a hardship.[NEWLINE]agent: Then you will be able to request another general forbearance and a limit of three years on it.[NEWLINE][BOUNDARY][NEWLINE]user: What is the reason a general forbearance would be called another name.
user: What happens with a Mandatory Forbearance?[NEWLINE]agent: Do you meet the requirements for a mandatory forbearance?[NEWLINE]user: Yes, I am eligible for a mandatory forbearance.[NEWLINE]agent: In a mandatory forbearance, your loan servicer is required to grant the forbearance.[NEWLINE]user: What types of loans are eligible for mandatory forbearance?[NEWLINE]agent: eligility would only apply to Direct Loans and FFEL Program loans.[NEWLINE][BOUNDARY][NEWLINE]user: Is there any relief of student loans payment because of COVID-19?[NEWLINE]agent: Yes, federal student loan borrowers are automatically being placed in an administrative forbearance to temporarily stop making loan payments from March 13, 2020 to Sept. 30 2020.[NEWLINE][BOUNDARY][NEWLINE]user: Am I able to get a mandatory forbearance if I am in Medical or Dental Internship or Residency?[NEWLINE]agent: Yes, if you are serving in a medical or dental internship or residency program and meet other requirements.[NEWLINE][BOUNDARY][NEWLINE]user: What is the time frame of a mandatory forbearance?
user: sdfgf[NEWLINE]agent: Sure, but first you need to know that there are two kinds of forbearance: general and mandatory.[NEWLINE][BOUNDARY][NEWLINE]user: Alright. What is the general one?[NEWLINE]agent: It's applies if you can not able to make our payments, but under certain circumstances. For example, are you having financial difficulties?[NEWLINE]user: Oh, I see. But no, I'm not having issues of that kind right now.[NEWLINE]agent: OK. Are having extra medical expenses?[NEWLINE]user: No, not at all, lucky for me.[NEWLINE]agent: Alright. And then, there is any change on your job or in employment?[NEWLINE]user: No, not at all.[NEWLINE]agent: OK. Are there any other reason that could have influences to ask for a forbearance?[NEWLINE]user: Not that I can mention right now.
user: Hello, what can you tell me about teacher loan forgiveness?[NEWLINE]agent: If you are performing teaching service that would qualify you for teacher loan forgiveness.[NEWLINE][BOUNDARY][NEWLINE]user: Great. What is the duration of mandatory forbearances?[NEWLINE]agent: Mandatory forbearances may be granted for no more than 12 months at a time.[NEWLINE]agent: Are you continuing to meet the eligibility requirements for the forbearance when your current forbearance period expires?[NEWLINE]user: Yes, probably.[NEWLINE]agent: Then you may request another mandatory forbearance.[NEWLINE][BOUNDARY][NEWLINE]user: And how do I request such a forbearance?[NEWLINE]agent: Most types of forbearance are not automatic you need to submit a request to your student loan servicer, often using a form. For some types of forbearance, you must provide your student loan servicer with documentation to show that you meet the eligibility requirements for the forbearance you are requesting.[NEWLINE][BOUNDARY][NEWLINE]user: What if I stopped paying when my forbearance is not approved?[NEWLINE]agent: Then your loan will become delinquent and you may go into default.[NEWLINE][BOUNDARY][NEWLINE]user: Are there any alternatives to this?
user: Can you explain how eligibility for a forbearance works, please?[NEWLINE]agent: There are two main types of forbearance: general and mandatory.[NEWLINE][BOUNDARY][NEWLINE]user: How do I know if I can request a forbearance?[NEWLINE]agent: Are you experiencing financial difficulties?[NEWLINE]user: No, all is fine with my finances.[NEWLINE]agent: Do you have medical expenses?[NEWLINE]user: No, I'm healthy.[NEWLINE]agent: Was there a change in employment?[NEWLINE]user: No, my work is the same as before.[NEWLINE]agent: Do you fulfill any other reasons acceptable to your loan servicer?[NEWLINE]user: Yes, I do.[NEWLINE]agent: Then you should be able to get a general forbearance. A general forbearance is sometimes called a discretionary forbearance.[NEWLINE][BOUNDARY][NEWLINE]user: What if I don't pay the interest on my loan and let it be capitalized?
user: Hello there. Can you please explain how I can request a forbearance? I'm not doing so well financially at the moment.[NEWLINE]agent: Most types of forbearance are not automatic. You need to submit a request to your student loan servicer, often using a form.[NEWLINE]user: Are there any other procedures I have to go through for certain types of forbearances?[NEWLINE]agent: Yes. For some types of forbearance, you must provide your student loan servicer with documentation to show that you meet the eligibility requirements for the forbearance you are requesting.[NEWLINE][BOUNDARY][NEWLINE]user: How long does a general forbearance last?[NEWLINE]agent: Are you inquiring for a loan made under one of the three programs?[NEWLINE]user: Yes, I am.[NEWLINE]agent: In that case a general forbearance may be granted for no more than 12 months at a time.[NEWLINE][BOUNDARY][NEWLINE]user: Do I have any other options if I have trouble paying my loan?[NEWLINE]agent: Yes. A better option might be to change to an income-driven repayment plan. Income-driven repayment plans base your monthly payments on your income and family size. In some cases, your payment could be as low as $ 0 per month.[NEWLINE][BOUNDARY][NEWLINE]user: I see. And what can you tell me about teacher loan forgiveness?
user: I've heard that Student Aid has been hit by scams recently. I'd like to know more please.[NEWLINE]agent: Help is freely available to avoid student aid scams and protect your identity while searching for scholarships, filling out the Free Application for Federal Student Aid FAFSA form, managing your loans, and giving information to schools and lenders.[NEWLINE]user: What specifically should I be looking out for?[NEWLINE]agent: One thing to beware of is Student Loan Debt Relief Companies. We have a section on that.[NEWLINE][BOUNDARY][NEWLINE]user: How do they try to scam you?[NEWLINE][BOUNDARY][NEWLINE]agent: Do you think you've been the victim of a Student Loan Scam?[NEWLINE]user: Yes I might have been. I would like to know what it resembles.[NEWLINE]agent: Borrowers have reported receiving phone calls, emails, letters, and/or texts offering them relief from their federal student loans or warning them that student loan forgiveness programs would end soon.[NEWLINE][BOUNDARY][NEWLINE]user: Oh no! How can I tell if my personal student information has been stolen?[NEWLINE]agent: In that case, it is important to act quickly.  Click here for a list of offices that will help you determine what steps to take depending on your situation.[NEWLINE]user: Can you give me an example?
user: I think I might have been contacted by a scam company.[NEWLINE]agent: Did you divulge personal information about your student loan?[NEWLINE]user: You I didn't but it looks suspicious and that's just not right.[NEWLINE][BOUNDARY][NEWLINE]agent: Would you like to know how Student Loan Debt Relief Companies work?[NEWLINE]user: Yes that would be helpful.[NEWLINE]agent: Student loan debt relief companies are private companies that provide or claim to provide student loan management services for a fee. Often these companies are charging for services you can easily manage yourself.[NEWLINE]agent: Have you stopped paying your loans?[NEWLINE]user: No I haven't.[NEWLINE]user: There must be companies that I can trust with this, no?[NEWLINE]agent: Certainly, you can refer to this list of trusted companies that work with ED to provide student loan services.[NEWLINE][BOUNDARY][NEWLINE]user: How can I tell if a company has a good reputation?
user: what can happen to my info if I'm not careful?[NEWLINE]agent: Did you want to know how to reduce your risk of identity theft when applying for aid?[NEWLINE]user: nope[NEWLINE][BOUNDARY][NEWLINE]agent: Do you need to change your FSA ID password?[NEWLINE]user: yes I do[NEWLINE]agent: You will need to log in to your account using your username and password. Then go to your account settings and you will be able to make changes to your account information.[NEWLINE]user: What can someone do if they have my FSA ID info?[NEWLINE]agent: They can make changes to your account without your permission.[NEWLINE][BOUNDARY][NEWLINE]user: Can you also help me with these places that offer to help you with your student loans?[NEWLINE][BOUNDARY][NEWLINE]agent: Do you need help identifying a potential Student Loan scam?[NEWLINE]user: yes I was contacted by a place that doesn't seem legit
user: help me with student info being stolen, cause I'm worried[NEWLINE]agent: Would you like to know how to reduce your risk of identity theft when applying for financial aid?[NEWLINE]user: not for financial aid, all my info you have[NEWLINE][BOUNDARY][NEWLINE]agent: You can protect yourself by having a strong password on your FSA ID.  Do you need help changing your FSA ID password?[NEWLINE]user: no I know how[NEWLINE][BOUNDARY][NEWLINE]agent: Would you like to know how the Department of Education keeps your information safe?[NEWLINE]user: yes that'll help with my concerns[NEWLINE]agent: We value the privacy of your personal information. The information you share with us goes through a process called encryption. Encryption uses a mathematical formula to scramble your data into a format that is unreadable to a hacker.[NEWLINE][BOUNDARY][NEWLINE]user: what do I do if I forgot my security questions to change my password?[NEWLINE]agent: You will need to go through the FSA ID Account Recovery process. You’ll send in copies of identification, and the email address on your account will reset to one you can access.[NEWLINE][BOUNDARY][NEWLINE]user: can we get help with the forms if we have problems?
user: Is there really student aid scams I need to avoid?[NEWLINE]agent: Yes, you should avoid student aid scams and protect your identity while looking for scholarships and FAFSA.[NEWLINE][BOUNDARY][NEWLINE]user: Is there a way to identify student loan scams?[NEWLINE]agent: Some of the scams that have been reported and should be looked out for are phone calls, emails, letters, text offering relief from federal student loans and warning them the forgiveness ends soon.[NEWLINE][BOUNDARY][NEWLINE]user: What should be reported if information gets stolen?[NEWLINE]agent: You should quickly report all lost or stolen IDs to the issuer or even to the police if appropriate.[NEWLINE][BOUNDARY][NEWLINE]user: What should I do if my FSA ID or password has been shared?[NEWLINE]agent: It is best to log in to your account using your username and password and once logged in change your account information so no one else can access it.[NEWLINE]agent: Does someone else have access to your FSA ID information?[NEWLINE]user: No, not that I know of.[NEWLINE][BOUNDARY][NEWLINE]user: What if I have questions or need help with my student loans?
user: I need some advice how to avoid student aid scams.[NEWLINE]agent: Of course. Avoid student aid scams and protect your identity while searching for scholarships, filling out the Free Application for Federal Student Aid (FAFSA) form, managing your loans, and giving information to schools and lenders. FREE help is available.[NEWLINE][BOUNDARY][NEWLINE]user: What about all those student loan debt relief companies? How can I tell the difference between good ones and bad ones?[NEWLINE][BOUNDARY][NEWLINE]agent: Would you like to know how to identify a student loan scam?[NEWLINE]user: No, my question is more specific than that.[NEWLINE][BOUNDARY][NEWLINE]agent: Would you like to know how student loan debt relief companies work?[NEWLINE]user: No, thank you.[NEWLINE][BOUNDARY][NEWLINE]agent: Would you like to see a list of companies banned from debt relief?[NEWLINE]user: No. I mean, that'd be helpful, but it isn't what I came here for.[NEWLINE][BOUNDARY][NEWLINE]user: Let me phrase it this way: how can I  reduce my risk of identity theft when doing my application?
user: Hey there, I need some advice on how to protect my identity. Some of my information was leaked somehow and I'm very concerned.[NEWLINE]agent: Of course. Would you like to know how to reduce your risk of identity theft when applying for aid?[NEWLINE]user: Yes, that'd be great.[NEWLINE]agent: Identity theft can occur when criminals access personal data such as names, Social Security numbers, and bank and credit card information. Using the stolen data, the criminal can illegally obtain credit cards, set up mobile phone accounts and more.[NEWLINE][BOUNDARY][NEWLINE]user: Interesting. And how exactly do student loan debt relief companies work?[NEWLINE]agent: Student loan debt relief companies are private companies that provide or claim to provide student loan management services for a fee. Often these companies are charging for services you can easily manage yourself.[NEWLINE]user: What if I stopped paying my loans all of the sudden?[NEWLINE]agent: In that case your credit could be damaged and your loan balances could balloon.[NEWLINE][BOUNDARY][NEWLINE]user: I see. Do you have any other advice regarding the protection of my identity?[NEWLINE]agent: Yes. Keep your purse or wallet safe at all times; store it and other items containing personal information in a secure place at home, especially if you have roommates.[NEWLINE]user: Even around roommates?
user: I came here to find information about protecting my identity. Can you help me with that, please?[NEWLINE]agent: Of course. Do you want to reduce your risk of identity theft when applying for aid?[NEWLINE]user: Yes, please.[NEWLINE]agent: Identity theft can occur when criminals access personal data such as names, Social Security numbers, and bank and credit card information. Using the stolen data, the criminal can illegally obtain credit cards, set up mobile phone accounts and more.[NEWLINE][BOUNDARY][NEWLINE]user: I see. And how do I report fraud or identity theft?[NEWLINE][BOUNDARY][NEWLINE]agent: Do you want to report financial aid fraud?[NEWLINE]user: Yes, that was the plan.[NEWLINE]agent: A company charging for financial aid advice is not committing fraud unless it doesn't deliver what it promises.[NEWLINE]agent: Would you like to get more information about financial aid fraud or to report fraud?[NEWLINE]user: Yes, please.[NEWLINE]agent: Then you should contact the Federal Trade Commission and the Consumer Financial Protection Bureau.[NEWLINE][BOUNDARY][NEWLINE]user: I'd also like to change my FSA password. How do I do this?
user: can you give me information about the fraud and identity theft reports[NEWLINE]agent: want information on Financial Aid Fraud Report?[NEWLINE]user: yes[NEWLINE]agent: A company that charges for financial aid advice is not committing fraud unless it does not deliver on what it promises.[NEWLINE]agent: want more information on the subject?[NEWLINE]user: yes[NEWLINE]agent: contact the Federal Trade Commission and the Office of Consumer Financial Protection.[NEWLINE][BOUNDARY][NEWLINE]user: How to find out which legitimate companies the United States Department of Education works with?[NEWLINE]agent: well there are private companies, lenders, administrators and private collection agencies that work on behalf of ED[NEWLINE][BOUNDARY][NEWLINE]user: What errors can business communications contain?[NEWLINE]agent: they often contain spelling and grammatical errors.[NEWLINE][BOUNDARY][NEWLINE]user: If I have already shared my information with a student loan debt relief company what should I do?
user: what help can I receive for a loan discharge on a school that closed?[NEWLINE]agent: Did you want to know about benefits you can receive on a closed school loan discharge?[NEWLINE]user: no[NEWLINE][BOUNDARY][NEWLINE]agent: Did you want to know if you can have nonfederal loans through private lenders discharged for a closed school?[NEWLINE]user: no[NEWLINE][BOUNDARY][NEWLINE]agent: Did you want to know about having loans for several programs at the same school discharged due to school closure?[NEWLINE]user: yes, I started on something but went into a different degree but they closed on me before I could graduate[NEWLINE]agent: Only loans you received for a program that you were unable to complete because of the school’s closure are eligible for discharge.  If you initially enrolled in a program, but decided not to continue with that program and transferred to another program, and you were then unable to complete that program because the school closed, only loans you received for the second program could potentially be discharged.[NEWLINE]user: but I can't finish either program because they did this not me so can't I get both loans discharged?[NEWLINE]agent: Only the loans you received for your second program could potentially be discharged[NEWLINE][BOUNDARY][NEWLINE]user: can I get the discharge if I go for the same degree at another school?
user: can you help me get a discharge on a school loan[NEWLINE]agent: Yes, I can help you learn about the eligibility requirements for discharge and how you can apply[NEWLINE][BOUNDARY][NEWLINE]user: are direct loans eligible for this?[NEWLINE]agent: Were you enrolled when your school closed?[NEWLINE]user: no I wasn't[NEWLINE]agent: Were you on approved leave of absence when your school closed?[NEWLINE]user: no sir[NEWLINE]agent: Did your school close within 120 days after you withdrew?[NEWLINE]user: Yes sir or Ma'am[NEWLINE]agent: You may be eligible for a 100 percent discharge of your loan[NEWLINE][BOUNDARY][NEWLINE]user: good, and what will I need to get started