elplaguister/DTS_session_datasets huggingface dataset:
user: I am delinquent on a loan do I really have to pay?[NEWLINE]agent: Loans must be repaid[NEWLINE]agent: Have you missed a payment?[NEWLINE]user: I have missed a few[NEWLINE]agent: You need to talk to the organization that handles billing and other services for your loan to avoid defaulting on your loan.[NEWLINE][BOUNDARY][NEWLINE]user: Are you also aware of these records? What important documents should I keep in a well-organized file?[NEWLINE]agent: it is important that you keep your promissory note, among others[NEWLINE][BOUNDARY][NEWLINE]user: who do I contact for the Perkins loan?[NEWLINE]agent: You can contact the school where you received the loan[NEWLINE]user: and for the direct loan too?[NEWLINE]agent: Get in touch with the loan servicer[NEWLINE][BOUNDARY][NEWLINE]user: will delinquency give me a poor credit rating?[NEWLINE]agent: Yes, and if you have a poor credit rating it can be difficult to obtain credit cards or loans.[NEWLINE][BOUNDARY][NEWLINE]user: If I default who should I call to work it out?
user: I might be in loan trouble[NEWLINE]agent: You have to repay your loans[NEWLINE]agent: Are you having trouble making payments?[NEWLINE]user: yes I am[NEWLINE]agent: You should contact the organization that handles billing for your loan and discuss option with them.[NEWLINE][BOUNDARY][NEWLINE]user: Perfect I will contact them but would you be so kind to give me a number or website to communicate with?. What are the important documents that I should have in an organized file?[NEWLINE]agent: it is important that you keep your promissory note, among others[NEWLINE][BOUNDARY][NEWLINE]user: who do I contact for the direct loan program I'm in?[NEWLINE]agent: You can contact the loan servicer[NEWLINE][BOUNDARY][NEWLINE]user: when do I become delinquent?[NEWLINE]agent: Your loan becomes delinquent the first day after you miss a student loan payment,[NEWLINE]user: what if I've missed payments for about 3 months?[NEWLINE]agent: Your loan servicer will report the delinquency to the three major national credit bureaus[NEWLINE]user: what if I still can't pay everything I owe?
user: I'm not making payments on my loan[NEWLINE]agent: You need to make your loan payments.[NEWLINE]agent: Are you having trouble making payments?[NEWLINE]user: not really, just got behnd[NEWLINE]agent: Are you on the William D. Ford Federal Direct Loan Program or the Federal Family Education Loan Program?[NEWLINE]user: I have a Ford federal direct loan[NEWLINE]agent: You need to contact your loan servicer and work it out with them before you get into credit problems[NEWLINE][BOUNDARY][NEWLINE]user: About my monthly payments, what alternatives do I have if I cannot pay my monthly payment?[NEWLINE]agent: one option is to change the due date of your payment[NEWLINE][BOUNDARY][NEWLINE]user: I read somewhere that you should contact the Perkins loan servicer.  is that appropriate in my case?[NEWLINE]agent: You would contact the ECSI Federal Perkins Loan Servicer if you were on the Federal Perkins Loan Program.[NEWLINE][BOUNDARY][NEWLINE]user: when do I risk getting into default?[NEWLINE]agent: The point when a loan is considered to be in default varies depending on the type of loan you have received[NEWLINE][BOUNDARY][NEWLINE]user: what kind of help can we get because of the coronavirus?
user: who can get the public service loan forgiveness?[NEWLINE]agent: Are you employed by a U.S. federal, state, local, or tribal government or not-for-profit organization?[NEWLINE]user: no I'm not just doing my research[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: what loans don't qualify for this?[NEWLINE]agent: Loans from the Federal Family Education Loan Program, and the Federal Perkins Loan Program don't qualify. They may however, become eligible if you consolidate them into a Direct Consolidation Loan[NEWLINE][BOUNDARY][NEWLINE]user: Even, have you heard of Payment Plan? REPAYE and ICR Plans: What They Are and What They Include[NEWLINE]agent: well these plans consist that the payment is always based on your income and the size of your family, regardless of any change in your income. This means that if your income increases over time, in some cases your payment may be more than the amount you would have to pay under the Standard 10-Year Payment Plan.[NEWLINE][BOUNDARY][NEWLINE]user: Could you please advise me on the appropriate repayment plan for my federal Perkins loan?[NEWLINE]agent: The options for the repayment plan of the Perkins Loan are not the same as for the loans of the Direct Loan Program or the FFEL Program. Check with your school for more information on Perkins loan repayment plans.[NEWLINE][BOUNDARY][NEWLINE]user: I'd like to ask another thing regarding PSLF. What requirements must be met in order to qualify?[NEWLINE]agent: You can answer some questions and we'll find out if you qualify.  Are you  employed by a U.S. federal, state, local, or tribal government or not-for-profit organization?[NEWLINE]user: For information purposes lets say that I am employed by them.[NEWLINE]agent: Okay, do you work full-time for the agency or organization that employs you?[NEWLINE]user: no, lets say I am a part-timer.
user: Hi, I am having difficulty paying my student loans and was wondering if I could consolidate my loans to help with my financial position?[NEWLINE]agent: This can be done but you should weight the pros and cons of consolidation and decide whether a Direct Consolidation Loan is right for you.[NEWLINE][BOUNDARY][NEWLINE]user: If I choose to consolidate my loans when can this be done?[NEWLINE]agent: Generally you are eligible to consolidate your loans after you graduate, leave school, or drop below half-time enrollment.[NEWLINE][BOUNDARY][NEWLINE]user: One more question, for loan consolidation, could you assist me in gaining a better understanding of default?[NEWLINE]agent: is your loan still delinquent?[NEWLINE]user: yes[NEWLINE]agent: the loan may be in default. The point at which a loan is considered past due varies depending on the type of loan you received.[NEWLINE][BOUNDARY][NEWLINE]user: What if I still have a delay in payment?[NEWLINE]agent: your loan may run the risk of default. Don't ignore the unpaid payments on your student loan that can have serious consequences. Learn more about how to avoid default.[NEWLINE]user: and what can happen if I don't make the payment?
user: Hi, I have a number of student loans and am wondering if I consolidated them into one loan if that would benefit me.[NEWLINE]agent: Consolidated your federal education loans may simplify your payments but it can also result in the loss of some benefits. Before consolidating your loans you should weight the pros and cons of doing so and decide whether a Direct Consolidation Loan is right for you.[NEWLINE][BOUNDARY][NEWLINE]user: If I wish to consolidate my loans who so I contact if I have questions about the consolidation?[NEWLINE]agent: This depends very much on where you are in the consolidation process.[NEWLINE]agent: Have you applied for a Direct Consolidation Loan?[NEWLINE]user: Yes I have already applied for a consolidation loan.[NEWLINE]agent: In that case it would be best if you contacted the Student Loan Support Center at 1-800-557-7394.[NEWLINE][BOUNDARY][NEWLINE]user: This is like student loan deferment that allows you to temporarily stop making payments. Are there any other options to think about?[NEWLINE]agent: Actually yes, there is an income-driven repayment plan that you should consider.[NEWLINE][BOUNDARY][NEWLINE]user: When do I have to begin repayment of my consolidation loan, if I still have current loans in the grace period?[NEWLINE]agent: You will not have to begin making payments on your new Direct Consolidation Loan until closer to the end of the grace period on your current loans.[NEWLINE][BOUNDARY][NEWLINE]user: There is something else, about the list of loans that can be considered as alternatives, then what loans don't qualify?
user: I want to look into consolidating my student loans[NEWLINE]agent: We can help you learn about consolidation so you can decide whether a Direct Consolidation Loan is right for you[NEWLINE][BOUNDARY][NEWLINE]user: are there certain conditions for when we can consolidate loans?[NEWLINE]agent: We have eligibility requirements for receiving a Direct Consolidation Loan[NEWLINE]agent: Did you want to consolidate a defaulted loan?[NEWLINE]user: no[NEWLINE]agent: Did you want to consolidate a defaulted loan that is being collected through garnishment of your wages, or that is being collected in accordance with a court order after a judgment was obtained against you?[NEWLINE]user: no, no defaults yet and I have other questions[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: what's good about consolidating?[NEWLINE]agent: It will allow you to combine multiple federal education loans into one loan, so you will have a single monthly payment instead of multiple payments. Loan consolidation can also give you access to additional loan repayment plans and forgiveness programs.[NEWLINE]user: I would be super happy if it is done as you say. This is great news. Is there a time that I must have taught before I am eligible?[NEWLINE]agent: Yes. Your eligibility for the loan cancellation and the amount of your loan that will be cancelled depends on the length of time that you have taught.[NEWLINE][BOUNDARY][NEWLINE]user: Is it a good idea for my son to consolidate his student loans?
user: Hello there, I have some questions about the fact that I have noticed a reduction on the benefits I have received in the past few days.[NEWLINE]agent: Sure, let see. This might be caused due a consolidation of your federal education loan.[NEWLINE][BOUNDARY][NEWLINE]user: I see... So this will make me start paying already my loan?[NEWLINE]agent: That's right, the payment of a direct consolidation loan will begin within 60 days after the loan is disbursed.[NEWLINE]agent: Do you know if any of your loans are still in the grace period?[NEWLINE]user: No, has far as I know.[NEWLINE]agent: And have you think about to apply for a delay on the consolidation of your loan?[NEWLINE]user: Not really, I haven't considered that option.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: It's possible to modify a little some of my variables on my loan so I can get a fixed interest rate?[NEWLINE]agent: Yes, is possible to do it.[NEWLINE][BOUNDARY][NEWLINE]user: I'd like to learn more about (PSLF).[NEWLINE]agent: The PSLF Program forgives the remaining balance on your Direct Loans after you have made 120 qualifying monthly payments under a qualifying repayment plan while working full - time for a qualifying employer. What would it mean for me if I did qualify?[NEWLINE][BOUNDARY][NEWLINE]user: I see. Another question on Student Loan, what is a graduate fellowship deferment?
user: tell me about student loan consolidation[NEWLINE]agent: I can answer your questions about consolidation so you can weigh the pros and cons and decide whether a Direct Consolidation Loan is right for you.[NEWLINE][BOUNDARY][NEWLINE]user: do you recommend I consolidate a federal perkins loan?[NEWLINE]agent: If you have Federal Perkins Loans and you are employed in an occupation that would qualify you for Perkins Loan cancellation benefits, you should not include your Perkins Loans when you consolidate.[NEWLINE][BOUNDARY][NEWLINE]user: Another concern on consolidating student loans. What is a deferment of a graduate fellowship?[NEWLINE]agent: It is a deferment that if you are enrolled in an approved graduate fellowship program, which is one that provides financial support to graduate students to pursue graduate studies and research, you are eligible for the deferment.[NEWLINE][BOUNDARY][NEWLINE]user: Could I be eligible for the military service deferment?[NEWLINE]agent: Are you on active duty military service in connection with a war, military operation, or national emergency?[NEWLINE]user: yes, I am in military service.[NEWLINE]agent: Then you could be eligible for the military service deferment.[NEWLINE][BOUNDARY][NEWLINE]user: Am I making progress toward forgiveness when on an deferment?
user: Does consolidating my federal educational loans help?[NEWLINE]agent: Their are pros and cons when consolidating your educational loans.[NEWLINE][BOUNDARY][NEWLINE]user: Can I reconsolidate an existing FFEL Consolidation Loan?[NEWLINE]agent: You might be able to reconsolidate an existing FFEL Consolidation Loan without including any additional loans.[NEWLINE][BOUNDARY][NEWLINE]user: Okay, now regarding the default on student loan payments, can you help me better understand this "default"?[NEWLINE]agent: is your loan still delinquent?[NEWLINE]user: yes[NEWLINE]agent: the loan may be in default. The point at which a loan is considered past due varies depending on the type of loan you received.[NEWLINE][BOUNDARY][NEWLINE]user: What if I still have a delay in payment?[NEWLINE]agent: your loan may run the risk of default. Don't ignore the unpaid payments on your student loan that can have serious consequences. Learn more about how to avoid default.[NEWLINE]user: and what can happen if I don't make the payment?
user: Is there pros and cons with consolidating my federal educational loans?[NEWLINE]agent: Yes, you should learn about the pros and cons of using a Direct Consolidation Loan.[NEWLINE][BOUNDARY][NEWLINE]user: Is there a repayment plan to help lower payments?[NEWLINE]agent: It is called an Income-Based Repayment Plan and could help with lower payments.[NEWLINE][BOUNDARY][NEWLINE]user: Another student loan delinquency and default related issue. Could you please assist me in gaining a better understanding of the default settings?[NEWLINE]agent: is your loan still delinquent?[NEWLINE]user: yes[NEWLINE]agent: the loan may be in default. The point at which a loan is considered past due varies depending on the type of loan you received.[NEWLINE][BOUNDARY][NEWLINE]user: What if I still have a delay in payment?[NEWLINE]agent: your loan may run the risk of default. Don't ignore the unpaid payments on your student loan that can have serious consequences. Learn more about how to avoid default.[NEWLINE]user: and what can happen if I don't make the payment?
user: Are there pros and cons when consolidating my federal education loans?[NEWLINE]agent: Yes, there are pros and cons when you want to get a Direct Consolidation Loan.[NEWLINE][BOUNDARY][NEWLINE]user: Do there happen to be different repayment plans available?[NEWLINE]agent: Yes, there are several repayment plans including income-driven repayment plans and you will be able to select a plan when you apply for Direct Consolidation Loan.[NEWLINE][BOUNDARY][NEWLINE]user: I have a question about the Loan Delinquency?[NEWLINE]agent: is your loan still delinquent?[NEWLINE]user: yes[NEWLINE]agent: the loan may be in default. The point at which a loan is considered past due varies depending on the type of loan you received.[NEWLINE][BOUNDARY][NEWLINE]user: What if I still have a delay in payment?[NEWLINE]agent: your loan may run the risk of default. Don't ignore the unpaid payments on your student loan that can have serious consequences. Learn more about how to avoid default.[NEWLINE]user: and what can happen if I don't make the payment?
user: What does consolidating your federal education help with and not help with?[NEWLINE]agent: It is best to learn about consolidation so you can learn about the pros and cons and decide if Direct Consolidation Loan is best for you.[NEWLINE][BOUNDARY][NEWLINE]user: When am I able to consolidate my loans?[NEWLINE]agent: After you graduate, leave school, or drop below half-time enrollment is when you are eligible for consolidation.[NEWLINE][BOUNDARY][NEWLINE]user: Another question on Student Loan Delinquency and Default. Could you please assist me in gaining a better understanding of the default settings?[NEWLINE]agent: is your loan still delinquent?[NEWLINE]user: yes[NEWLINE]agent: the loan may be in default. The point at which a loan is considered past due varies depending on the type of loan you received.[NEWLINE][BOUNDARY][NEWLINE]user: What if I still have a delay in payment?[NEWLINE]agent: your loan may run the risk of default. Don't ignore the unpaid payments on your student loan that can have serious consequences. Learn more about how to avoid default.[NEWLINE]user: and what can happen if I don't make the payment?
user: Hello. I have some questions related to the consolidation of the loan I have.[NEWLINE]agent: Sure, no problem. We can help you. The best thing to do is get more information, because consolidation of your loan can simply your payments but also can make you lose some benefits.[NEWLINE][BOUNDARY][NEWLINE]user: The health professions students loans can be consolidated?[NEWLINE]agent: Yes, the can.[NEWLINE][BOUNDARY][NEWLINE]user: I got it. Another question I have regarding Managing my cases How can I get help?[NEWLINE][BOUNDARY][NEWLINE]agent: Do you need to speak to an agent?[NEWLINE]user: No, I don't need to speak to an agent.[NEWLINE][BOUNDARY][NEWLINE]agent: Would you need to look at some popular topics for your answers?[NEWLINE]user: Yes, I would like to look at some popular topics that could help me.[NEWLINE][BOUNDARY][NEWLINE]user: Can I share some positive feedback I have?[NEWLINE]agent: Yes, some positive feedback is always welcome at the feedback center.[NEWLINE][BOUNDARY][NEWLINE]user: How can I speak to an agent if I wanted to?
user: I need to know if I'm eligible to have my Federal Perkins Loan cancelled.[NEWLINE]agent: I'll be happy to help you find out if you are eligible.[NEWLINE][BOUNDARY][NEWLINE]user: What exactly is the Perkins Loan Teacher Cancellation?[NEWLINE][BOUNDARY][NEWLINE]agent: Are you familiar with the eligibility requirements for the Perkins Loan Teacher Cancellation?[NEWLINE]user: I know a little bit, but I'd like to find out more.[NEWLINE]agent: Have you served full-time in a public or non-profit elementary or secondary school system?[NEWLINE]user: Yes. I'm an elementary school teacher at a public school.[NEWLINE]agent: Excellent. Do you teach at a school serving students from low-income families?[NEWLINE]user: Yes, I do.[NEWLINE]agent: Great. You qualify for cancellation of part or all of your Federal Perkins Loan.[NEWLINE][BOUNDARY][NEWLINE]user: Could you determine if the amount of a loan canceled due to TPD can be treated as taxable income for federal tax purposes?[NEWLINE]agent: Yes, but the date you are considered to be discharged is different depending on how you qualified for the discharge.[NEWLINE][BOUNDARY][NEWLINE]user: What can I do if I received loans for several different study programs at the same school, but could not complete any of the programs. Can all loans be canceled?
user: Hi, I was wondering if I can qualify to have the entire federal loan canceled?[NEWLINE]agent: It is important to seek information regarding the topic.[NEWLINE][BOUNDARY][NEWLINE]user: Eligible for Perkins Loan Master Cancellation?[NEWLINE][BOUNDARY][NEWLINE]agent: You have to be clear about the eligibility requirements.[NEWLINE]user: Can you tell me what are the eligibility requirements please?[NEWLINE]agent: You can be forgiven for debt if you have served full time in a public school system.[NEWLINE]user: Perfect, what else do I need to know?[NEWLINE]agent: It is important to know that there is a teacher at a school that serves students from low-income families.[NEWLINE]user: Can you tell me more about it?[NEWLINE]agent: This is a special education teacher.[NEWLINE]user: In what sense does that figure occur?[NEWLINE]agent: This occurs due to the shortage of qualified teachers in that state.[NEWLINE]user: In what areas is this happening?[NEWLINE]agent: You can choose to cancel 100% of the debt if you meet certain requirements.[NEWLINE][BOUNDARY][NEWLINE]user: What if I initially enrolled in Program A but later decided not to continue with that program and transferred to Program B?[NEWLINE]agent: only the loans you received for Program B could be repaid.[NEWLINE][BOUNDARY][NEWLINE]user: What do you do if you were discharged from a TPD on the basis of a doctor's approval but your three-year post-discharge period hasn't expired?
user: What is the Direct PLUS Loan Application for supplemental information for?[NEWLINE]agent: Do you want to know what a Direct PLUS Loan Application for parents is?[NEWLINE]user: Do, I do not need to know this.[NEWLINE][BOUNDARY][NEWLINE]agent: Do you want to apply for a PLUS loan?[NEWLINE]user: No, I do not want to apply for a PLUS loan.[NEWLINE][BOUNDARY][NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: Is there a demo for applying for a PLUS loan?[NEWLINE]agent: Yes, Log in to start demo.[NEWLINE][BOUNDARY][NEWLINE]user: Is there anything I need to know before I continue with the process?[NEWLINE]agent: Yes, there is a few things about a security freeze on your credit you need to know about before continueing.[NEWLINE]user: As a parent borrower what can I designate on the Direct PLUS loan application?
user: Hello there. Can you please tell me something about federal student loans? How exactly do they work?[NEWLINE]agent: Of course. You should always remember, that you must repay your loan, so be sure you understand your options and responsibilities.[NEWLINE]agent: Are you applying for financial aid?[NEWLINE]user: Yes, I am applying.[NEWLINE]agent: In that case you may be offered loans as part of your school's financial aid offer. A loan is money you borrow and must pay back with interest.[NEWLINE][BOUNDARY][NEWLINE]user: That's great to hear! Another concern is who receives assistance. What factors could influence my financial aid eligibility?[NEWLINE]agent: There are many factors that affect a student's financial aid eligibility, such as being a member of a military family.[NEWLINE][BOUNDARY][NEWLINE]user: How much money can I borrow in federal student loans?[NEWLINE]agent: The maximum amount you can borrow each year in Direct Subsidized Loans and Direct Unsubsidized Loans ranges from $ 5,500 to $ 12,500 per year, depending on what year you are in school and your dependency status.[NEWLINE][BOUNDARY][NEWLINE]user: Another thing about FAFSA4caster, could you give me information about how it helps me in my student case and how do you calculate my aid?[NEWLINE]agent: You can use FAFSA4caster, it is a helpful tool for anyone who is not yet ready to submit a FAFSA form. Parents of younger students can use FAFSA4caster to receive early estimates, create scenarios based on future earnings, and then establish college funding strategies.[NEWLINE][BOUNDARY][NEWLINE]user: Another concern about student loans from the federal government for college. What if I decide to borrow money?[NEWLINE]agent: Please make sure you understand who is making the loan and the terms and conditions of the loan. Student loans can come from the federal government, from private sources such as a bank or financial institution, or from other organizations.[NEWLINE][BOUNDARY][NEWLINE]user: Which types of direct loans are available?[NEWLINE]agent: Direct Unsubsidized Loans, to name an example, are loans made to eligible undergraduate, graduate, and professional students, but eligibility is not based on financial need.[NEWLINE][BOUNDARY][NEWLINE]user: And how do I receive a federal student loan?[NEWLINE]agent: Do you want to apply for a federal student loan?[NEWLINE]user: Yes, I am.