elplaguister/DTS_session_datasets huggingface dataset:
user: what will the time it takes to repay a loan look like?[NEWLINE]agent: Payments are fixed and made for up to 10 years or between 10 and 30 years for consolidation loans.[NEWLINE]agent: Would you like to know how this benefits you?[NEWLINE]user: no just wanted to know how long it takes[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: what loans are eligible for the standard repayment plan?[NEWLINE]agent: Several loans from the Direct Loan Program and the FFEL Program are eligible for the Standard Repayment Plan[NEWLINE][BOUNDARY][NEWLINE]user: Do you also know about these federal student loan repayment plans, very well, and how do I calculate the amount of my payment?[NEWLINE]agent: You can Use our loan simulator. Loan Simulator provides a comparison of estimated monthly payment amounts for all federal student loan repayment plans, including income-based plans.[NEWLINE][BOUNDARY][NEWLINE]user: Will the ICR Plan give me benefits for PLUS loans?[NEWLINE]agent: The benefits of this plan will give you the only income-based repayment option available to major PLUS loan borrowers.[NEWLINE][BOUNDARY][NEWLINE]user: What would be the different payment periods?
user: hi[NEWLINE]agent: hi[NEWLINE]agent: hi[NEWLINE]user: hi[NEWLINE]agent: hi[NEWLINE][BOUNDARY][NEWLINE]user: Are you aware of FFEL Program Loans? Can you tell me if unsubsidized Federal Student Loans also meets the eligibility for Income-Sensitive Repayment?[NEWLINE]agent: Yes, they are eligible for Income-Sensitive Repayment.[NEWLINE][BOUNDARY][NEWLINE]user: Is it okay if I ask another question? in relation to the William D. Ford Federal Direct Loan (Direct Loan) and Federal Family Education Loan (FFEL) programs.[NEWLINE]agent: hi[NEWLINE][BOUNDARY][NEWLINE]user: ok, another thing, to obtain the Graduated Payment Plan, does this include subsidized loans from the Direct Loan Program?[NEWLINE]agent: Yes it is eligible.[NEWLINE][BOUNDARY][NEWLINE]user: is there anything else about loans?[NEWLINE]agent: hi[NEWLINE][BOUNDARY][NEWLINE]user: hi[NEWLINE]agent: hi[NEWLINE]user: I see, that very wide then. May I ask if other student loans can be included here?
user: Hi, I am looking for more information regarding the Standard Repayment Plan that is available through the FSA?[NEWLINE]agent: For your information, payments in a Standard Repayment Plan are fixed and are made for up to 10 years, repayments can be made between 10 and 30 years for any consolidated loans[NEWLINE]agent: Are you looking for the repayment plan that will ensure that you pay the least amount of interest over the lifetime of the borrowing?[NEWLINE]user: Yes, that would certainly be my intention[NEWLINE]agent: With the Standard Repayment Plan, you will pay the least amount of interest over the life of the loan[NEWLINE][BOUNDARY][NEWLINE]user: I understand that standard plan interests me, how can I get more information if I have loans from the FFEL Program owned by the US Department of Education?[NEWLINE]agent: You would have to contact your loan servicer.[NEWLINE][BOUNDARY][NEWLINE]user: All right. In terms of laws and regulations, what are the monthly payment guidelines for combined loans?[NEWLINE]agent: There are rules and regulations that must be followed that I can go through with you now if you would like?[NEWLINE][BOUNDARY][NEWLINE]user: Will the ICR Plan give me benefits for PLUS loans?[NEWLINE]agent: The benefits of this plan will give you the only income-based repayment option available to major PLUS loan borrowers.[NEWLINE][BOUNDARY][NEWLINE]user: Good to know, regarding monthly Payments for consolidation loans, what can happen if I have a consolidated Loan from the Direct Loan Program or a consolidated FFEL Loan?[NEWLINE]agent: In this instance, the length of the repayment period will depend on the amount of borrowing that is outstanding, known as your total education loan indebtedness, this debt includes any student loan debt you may have that is joined to your consolidation loan[NEWLINE]user: What is included in borrowing that is not part of a Consolidation Loan?[NEWLINE]agent: This would include any federal loan that you would have that is not included in the consolidation loan, or any private student loan that you may have availed of[NEWLINE][BOUNDARY][NEWLINE]user: What are the terms of the Federal Education Loan, with the exception of consolidation loans?
user: I need some help understanding the Standard Repayment Plan.[NEWLINE]agent: The Standard Repayment Plan is a basic repayment plan where payments are fixed and made for no longer than 10 years.[NEWLINE]agent: Would you like to know more about this plan?[NEWLINE]user: Yes, that would be very helpful.[NEWLINE]agent: The Standard Repayment Plan gives you the benefit of paying off your loans in a shorter amount of time, so that you pay the least amount of interest on your loan.[NEWLINE][BOUNDARY][NEWLINE]user: What does applying for an income-driven repayment plan allow me to do?[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: All right, regarding eligible federal loans, for the repayment plan, are the loans that are subsidized by the Direct Loan Program eligible?[NEWLINE]agent: Yes, they are.[NEWLINE][BOUNDARY][NEWLINE]user: Another payment-related query. Would I be eligible for a discount if I signed 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: Could you tell me if the standard repayment plan may have a higher monthly payments than my current loan payments?[NEWLINE]agent: Yes, you will see a slight increase in your monthly payments. However, this allows you to pay off your loan faster.[NEWLINE]user: How else can a Standard Repayment Plan benefit me?[NEWLINE]agent: As I've mentioned before, your payments will be slightly higher, but you end up paying less interest. This will allow you to save money in the long run.[NEWLINE][BOUNDARY][NEWLINE]user: How does the plan work with consolidation loans?
user: I need to find out what exactly is the Standard Repayment Plan that is available through the FSA?[NEWLINE]agent: Under the Standard Repayment Plan, the payments to your loan are fixed and are made for up to 10 years, and can be made between 10 and 30 years for consolidation loans[NEWLINE]agent: Are you looking for the cheapest option that is available in relation to repayments of your student loan?[NEWLINE]user: I haven't studied it fully so far, but was just looking for general information at present[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: How do monthly payments on Consolidation Loans work?[NEWLINE]agent: There are certain rules and conditions that must be met when making monthly payments to a Consolidated Loan[NEWLINE]agent: Do you have a Direct Consolidation Loan or an FFEL Consolidation Loan?[NEWLINE]user: No, I have neither at the moment[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: What are the advantages of the Standard Repayment Plan when repaying a Federal Direct Loan or FFEL Program Loan?[NEWLINE]agent: The Standard Repayment Plan saves you money in the long term as your monthly repayments may be slightly higher through this plan than others. This means that your loan will be repaid over a shorter term, which in turn means that you will pay less interest over the life of the loan[NEWLINE][BOUNDARY][NEWLINE]user: That was one of the things that worried me the most about how much I was going to pay for the loan, but if they are going down great. Can you tell me what the income-based plan is?[NEWLINE]agent: It is primarily about providing the lowest payment amount, consult your business manager for advice on the matter.[NEWLINE][BOUNDARY][NEWLINE]user: Very well. I would also like to know when to make payments. Is there a way to get an interest rate deduction on a Direct Loan?
user: tyufffdgh[NEWLINE]agent: Sure, no problem. You need to know that the payments of the loans are fixed and made for up to 10 years and for 10 an 30 years for consolidation loans.[NEWLINE]agent: Are you already paying or about to start paying your loan?[NEWLINE]user: Yes, that's right, I'm about to, but I would like to know the condition of the payments, specially the timing.[NEWLINE]agent: Alright. Well, talking about the interest you will pay, this will be the least amount of interest over the life of your loan.[NEWLINE][BOUNDARY][NEWLINE]user: I would like to know if when I obtain an alternative plan for the payment of my loan, it changes?[NEWLINE]agent: Under this alternative repayment plan, your required monthly payment is not based on your income.[NEWLINE][BOUNDARY][NEWLINE]user: How does the standard repayment plan benefit me?[NEWLINE]agent: We can offer you a repayment plan that will help you save money over time because your monthly payments may be slightly higher than payments under other plans, this will make you pay it faster.[NEWLINE]user: I have another question about FFEL Program loans. That plan might be ideal for making lower payments,? don't you think?[NEWLINE]agent: Absolutely. If you're a Federal Family Education Loan Program user, then you could for this reduced payments plan.[NEWLINE]user: If I want a lower loan repayment plan, do I have the option to choose?[NEWLINE]agent: Yes, that's right.[NEWLINE]user: And how much I will have to pay?[NEWLINE]agent: you will pay the least amount of interest over the life of your plan.[NEWLINE][BOUNDARY][NEWLINE]user: And what is the monthly plan?
user: Good afternooon. I would like to know more about repayment plans for loans on certain federal programs, please.[NEWLINE]agent: No problem. The basic information about it, is that you have the standard repayment plan where payments are fixed and made for up to 10 years between 10 and 30 years for those loans which are in consolidation.[NEWLINE]agent: Do you know why's that?[NEWLINE]user: Yeah, I know. I read somewhere that this action will allow me to pay the least amount of interest in my loan, is that right?[NEWLINE]agent: That's correct. You are very well informed.[NEWLINE][BOUNDARY][NEWLINE]user: How do I figure out how much I'll have to pay?[NEWLINE]agent: You can Use our loan simulator. Loan Simulator provides a comparison of estimated monthly payment amounts for all federal student loan repayment plans, including income-based plans.[NEWLINE][BOUNDARY][NEWLINE]user: Okay,  good. Now, regarding consolidation loans, is it the same for those Direct Consolidation or FEEL Consolidation loans?[NEWLINE]agent: Not quite. In those cases, the length of your repayment period will be determined depending on the amount of your total education loan indebtedness. That includes the amount of your consolidation loan and your other student loan debt.[NEWLINE][BOUNDARY][NEWLINE]user: I'd like to learn more about this Plan as well. What is the best way to locate my lender's contact information?[NEWLINE]agent: You can find this information on your My Federal Student Aid account.[NEWLINE][BOUNDARY][NEWLINE]user: Oh well. I'd like to ask if whenever I take out a loan, I have the option of repaying it however I want, right?[NEWLINE]agent: Certainly, you can. You have options for doing the choosing when is time to repay your loan. That's when you make use of the plans.[NEWLINE][BOUNDARY][NEWLINE]user: SO, lets say i go for these plans under the standard repayment thing, What do i get there?[NEWLINE]agent: To be more specific there, your payments by the month would be in a fixed amount of at least $50 each month and made for up to 10 years for all loan types. However, Direct Consolidation and FEEL Consolidation loans are excepted.[NEWLINE][BOUNDARY][NEWLINE]user: Then, to check sure this. I'll save money for abiding this standard plan, I'm right?
user: Hi There. I have been looking information about something called standard plan.[NEWLINE]agent: Sure, no problem. The standard repayment plan is the basic repayment plan there is.[NEWLINE]agent: Are you looking information about how are fixed the payments?[NEWLINE]user: Yes, I'm looking information about that too.[NEWLINE]agent: Great! You need to know that the payments are fixed and made up to be for up 10 years and even 30 years, paying the less amount of interest over the the life of your loan.[NEWLINE][BOUNDARY][NEWLINE]user: This proposal needs more detail, so I need to learn more about it. What if I have loans from the FFEL Program that aren't owned by ED?[NEWLINE]agent: You should then contact your lender of the loans.[NEWLINE][BOUNDARY][NEWLINE]user: ok, something else, regarding FFEL Consolidation Loans, how much do I have to pay? How is the mechanism at the time of consolidating my loan?[NEWLINE]agent: For this plans you will hay to pay at least $50 every month for 10 years for all loans.[NEWLINE][BOUNDARY][NEWLINE]user: That's great to hear! Another loan paymnet related issue. I see what you mean. What if I'm unable to make any payments at all?[NEWLINE]agent: In that case, you have to contact with your loan servicer to find out your options.[NEWLINE][BOUNDARY][NEWLINE]user: Okay, that's it. The direct loan is also something I'd like to know. That appears to be rational. But how do I know if I'm eligible for one of these loans?[NEWLINE]agent: You can use the loan simulator to estimate your eligibility and choose the loan repayment plan that better suits you.[NEWLINE][BOUNDARY][NEWLINE]user: This is for all the loans?[NEWLINE]agent: Yes, it is, except for the direct consolidation loans and feel consolidation loans.[NEWLINE][BOUNDARY][NEWLINE]user: I see, so if I take one of those I have to pay much more?
user: tell me about payments on the repayment plan[NEWLINE]agent: Payments will be fixed and made for up to 10 years, or between 10 and 30 years for consolidation loans.[NEWLINE]agent: null[NEWLINE]user: no[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: can I do a standard repayment plan on a ffel plus loan?[NEWLINE]agent: Yes, the FFEL PLUS loan is eligible for the Standard Repayment Plan.[NEWLINE]user: I got it. Another question 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: 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: hi[NEWLINE]agent: hi[NEWLINE]user: hi[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: hi[NEWLINE]agent: hi[NEWLINE][BOUNDARY][NEWLINE]user: I have a brother who wants to complete his FAFSA form as well; is there a way to move any of the information from my form to his?[NEWLINE]agent: Yes. At the end of the submitting process, you'll get a confirmation page and there you'll see an option for the parent information in your FAFSA form that you can use to transfer this information automatically into another student's application.[NEWLINE][BOUNDARY][NEWLINE]user: What are the differences between federal and private student loans?[NEWLINE]agent: Federal student loans are made by the government, with terms and conditions that are set by law, and include many benefits such as fixed interest rates and income - driven repayment plans not typically offered with private loans.[NEWLINE]user: I see, one last question, how much can I borrow?[NEWLINE]agent: Try This Resource Federal Student Loan Programs Lists federal student loan programs with loan details and award limits.[NEWLINE][BOUNDARY][NEWLINE]user: By the way, what advantages do federal loans have over private student loans? what type of entities would lend private loans?[NEWLINE]agent: Well, you can find these option to be lend by banks, credit union, state agencies or even schools.[NEWLINE][BOUNDARY][NEWLINE]user: So, you assure me that federal loans would be of more benefit then? Instead of private?
user: Hi there, I am trying to decide whether a federal student loan will be more advantageous for me over a private student loan for college and was looking for some information to help me decide[NEWLINE]agent: Are you seeking a loan to help pay your expenses for college?[NEWLINE]user: Not at the moment, but the matter may arise in the future[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: Are there many differences between federal and private student loans, and where would I get all the relevant information about these borrowings?[NEWLINE]agent: The government makes federal loans available, the terms and conditions of which are set out by the law. You can avail of a lot of benefits with a federal loan, such as fixed interest rates and income-driven repayments, which you won't find with private student loans. Private loans are offered by financial institutions whose terms and conditions are governed by the financial institution themselves[NEWLINE][BOUNDARY][NEWLINE]user: How can you provide temporary relief to student loan borrowers during the COVID-19 national emergency?[NEWLINE]agent: To achieve this, 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, but you can still make payments if you choose.[NEWLINE]user: Could you explain the details on what kind of support am I getting in federal student loan over private student loans, when I apply for student financial assistance?[NEWLINE]agent: It's quite likely that your school would include a student loan as part of your financial aid package, but it is important to understand the differences between federal loans and private student loans[NEWLINE][BOUNDARY][NEWLINE]user: I see. Let me ask another question. for envelope for loans not owned by ED. What if I have HEAL loans in default?[NEWLINE]agent: Then you should contact the Debt Collection Center for help with account-related questions.[NEWLINE][BOUNDARY][NEWLINE]user: Do you know how I get a federal student loan? what is the procedure?[NEWLINE]agent: The first step of the application process is to complete the Free Application for Federal Student Aid FAFSA form. This form will also give you further information about applying for aid[NEWLINE][BOUNDARY][NEWLINE]user: Does my school choose one type of student loan over another in respect of any financial aid package that I might be offered?
user: I have some questions about federal student loans.[NEWLINE]agent: I can help you with that. Are you the student in need of a loan to pay for college?[NEWLINE]user: No, my son will be taking out the loan.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: Should my son take out federal student loans?[NEWLINE]agent: Yes. It's always recommended that you start with federal loans.[NEWLINE][BOUNDARY][NEWLINE]user: Another question, relating to student loan scam, what kinds of blunders can be found in business communications?[NEWLINE]agent: they often contain spelling and grammatical errors.[NEWLINE][BOUNDARY][NEWLINE]user: Sure. Now I need to ask about on how do I get a federal student loan? What are the process so my son become eligible for federal loans?[NEWLINE]agent: His first step will be to fill out the Free Application For Federal Student Aid(FAFSA).[NEWLINE][BOUNDARY][NEWLINE]user: In relation to the Free Application for Federal Student Aid, to gain access to the application, what information do I need?[NEWLINE]agent: Be sure you have your FSA ID when you sign in, along with your username and your password, so your application be processed as quick as possible.[NEWLINE][BOUNDARY][NEWLINE]user: Are you aware of federal student loans? What distinguishes federal loans from private loans?[NEWLINE]agent: All federal student loans and parent loans are funded by the federal government.[NEWLINE][BOUNDARY][NEWLINE]user: Okay. How else do they differ?
user: I need help with figuring out how student loans work.[NEWLINE]agent: Will you be the one taking out the loan for college?[NEWLINE]user: No, my daughter will be going to college.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: How can she become eligible for federal student loans?[NEWLINE]agent: Do you know how federal loans work?[NEWLINE]user: Yes, somewhat.[NEWLINE]agent: Great. The first thing your daughter needs to do is fill out a FAFSA form.[NEWLINE][BOUNDARY][NEWLINE]user: Alright, thank you.  I'd also want to find out about types of aid and work study jobs please.[NEWLINE]agent: You work as a way to earn money to help you pay for school[NEWLINE][BOUNDARY][NEWLINE]user: Okay, that's it. I'd also like to know what the loan terms are. What are the differences between private and federal loans?[NEWLINE]agent: Unlike federal loans, private loans are made by a private lender. Each private loan could differ by lender and by type of loan, so it's very important that you and your daughter understand the terms of the loan.[NEWLINE][BOUNDARY][NEWLINE]user: What is the situation with the scholarships?
user: Is it true federal student loans offer advantages over private student loans?[NEWLINE]agent: Do you need a loan to help with college?[NEWLINE]user: No, at this time just looking at the differences?[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: Can you tell me the differences in federal and private student loans?[NEWLINE]agent: Federal student loans are made by the government, with terms set by law, and would include a benefit of fixed interest rates and income-driven repayment plans. Private loans are made by private organizations such as banks, credit unions and have terms set my the lender.[NEWLINE][BOUNDARY][NEWLINE]user: Another question about student loan, who will make the loan for us? Is it the school? Or the federal government?[NEWLINE]agent: Student loans can come from the federal government, from private sources such as a bank or financial institution, or from other organizations.[NEWLINE]user: One more thing when it comes to paying for college, career school, or graduate school, federal student loans can offer several advantages over private student loans. What if I would like to apply for financial aid through the school?[NEWLINE]agent: Your school will include student loans as part of your financial aid package.[NEWLINE][BOUNDARY][NEWLINE]user: Do you know about student loans and more. What are the different types of help that are available through the FSA?[NEWLINE]agent: Grants are aids that are available, based on need. These typically don't have to be repaid[NEWLINE][BOUNDARY][NEWLINE]user: What are the differences between federal and private student loans? What distinguishes federal loans from private loans?[NEWLINE]agent: Federal loans offer a fixed interest rate and income-driven repayment plans not offered by private loans.  Private loans are given out by banks which set their own terms.[NEWLINE][BOUNDARY][NEWLINE]user: How do I get a federal loan?