elplaguister/DTS_session_datasets huggingface dataset:
user: I need help with understanding how financial aid works.[NEWLINE]agent: I can assist you with this.[NEWLINE][BOUNDARY][NEWLINE]agent: Do your questions pertain to a specific type of financial aid, such as grants?[NEWLINE]user: Yes, I'm not sure how they work.[NEWLINE]agent: Grants are usually based on financial need and normally do not have to be repaid.[NEWLINE][BOUNDARY][NEWLINE]user: What about student loans?[NEWLINE]agent: Just like other loans, student loans are money that's borrowed to pay for college. The money will need to be paid back, as well as any interest that your loan(s) accrue.[NEWLINE][BOUNDARY][NEWLINE]user: Does the federal government provide any type of aid other than Federal Student Aid?[NEWLINE]agent: Yes. The federal government offers other financial aid programs besides Federal Student Aid.[NEWLINE][BOUNDARY][NEWLINE]user: What could affect my eligibility for financial aid?[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: Where can I look for other sources of aid?
user: How is the amount of my federal student aid figured out?[NEWLINE]agent: When you fill out your FAFSA form the college you list will use the information you provided.[NEWLINE][BOUNDARY][NEWLINE]user: How does my school figure out the non-need based aid?[NEWLINE]agent: Your school has a formula they use to calculate they non-need based aid.[NEWLINE]agent: Will this example help you, "If you have cost of attendance at $16000 and you have been awarded a total of $4000 in need-based aid and private scholarships, the you can get $12000 in non-need based aid."[NEWLINE]user: No, it does not help me understand it at all.[NEWLINE][BOUNDARY][NEWLINE]user: What if my COA is $16000 and my EFC is $12000?[NEWLINE]agent: Then your financial need is $4000.[NEWLINE][BOUNDARY][NEWLINE]user: What does cost of attendance or COA actually mean?[NEWLINE]agent: Your COA is the amount you will pay to go to school.[NEWLINE]agent: Are you attending at least half-time?[NEWLINE]user: Yes, I will be attending at least half-time.
user: Is it wise to compare school aid offers I get from each college?[NEWLINE]agent: Have you applied at several colleges?[NEWLINE]user: No, i have not yet.[NEWLINE]user: Will my aid amount be the same at each school?[NEWLINE]agent: Actually, each financial aid package is different because each college is different in what they offer.[NEWLINE][BOUNDARY][NEWLINE]user: How do I figure out net price for my school?[NEWLINE]agent: There are easy steps to follow when figuring out net price of net cost.[NEWLINE][BOUNDARY][NEWLINE]user: Is it best to look at each cost per school for aid offerings?[NEWLINE]agent: Yes, always be sure to compare aid offerings from each school to see which will be most affordable.[NEWLINE][BOUNDARY][NEWLINE]user: What if the school i want to attend does not list the cost of attendance on the aid offer?
user: Hello, I would like you to help me with something. I recently left the school and the school did not make the required return of the loan funds to the loan administrator.[NEWLINE]agent: Of course, we will help you learn more about your unpaid rebate registration to see if you can qualify.[NEWLINE]agent: dropped out of school after receiving a loan from the Direct Loan Program?[NEWLINE]user: yes[NEWLINE]agent: the school may have been required by federal regulations to return some or all of the loan money to your loan servicer.[NEWLINE]user: I would like to know if you could be eligible for a discharge of the part of your loan that the school could not return?[NEWLINE]agent: Of course you may be eligible for a discharge of the part of your loan that the school was unable to repay.[NEWLINE][BOUNDARY][NEWLINE]user: I am ready to request the download of the refund without paying, what do I do?[NEWLINE]agent: You must complete the Loan Download Application - Unpaid Repayment and submit the completed form to your Loan Manager.[NEWLINE][BOUNDARY][NEWLINE]user: How much of my loan will be canceled if I am approved for loan cancellation?[NEWLINE]agent: Only the part of your loan that your school should have returned will be canceled. Contact your loan servicer for more information.[NEWLINE][BOUNDARY][NEWLINE]user: How do I request a refund download without paying?
user: I have a question regarding the Loan Simulator in the FSA process. How accurate is it?[NEWLINE]agent: Are you looking to get the most realistic results?[NEWLINE]user: I have not tried it yet, I'm just wondering how accurate it is[NEWLINE][BOUNDARY][NEWLINE]user: Is there anywhere on the website that I can send feedback to try to streamline the process or make it more user friendly?[NEWLINE]agent: You can contact us in the "Help Us Build This Tool" section, where you can share your feedback, ask any questions and send any requests for new features[NEWLINE][BOUNDARY][NEWLINE]user: Is there a share option built in with the Loan Simulator?[NEWLINE]agent: Yes, we have invited every user to share the Loan Simulator with their friends and family[NEWLINE][BOUNDARY][NEWLINE]user: How do I get the most accurate result from the Loan Simulator?[NEWLINE]agent: You will need to provide the most complete and accurate information during the process. This tool cannot however, predict your future payments with 100% accuracy[NEWLINE][BOUNDARY][NEWLINE]user: What exactly is the Loan Simulator within the FSA?
user: I want to see what payments will be like for a loan[NEWLINE]agent: You can try the Loan SImulator. The Loan Simulator is a new tool to help you make decisions about your student loans. You can use it to find a repayment plan that meets your needs and goals.[NEWLINE][BOUNDARY][NEWLINE]user: will it actually give me a good estimate?[NEWLINE]agent: Do you want to get the most realistic results?[NEWLINE]user: Not, if I have to give too much personal information.[NEWLINE][BOUNDARY][NEWLINE]user: Can I just give numbers that are close but not the real thing and start a new simulation to see how different numbers work for me?[NEWLINE]agent: Yes, you can see what happens when you borrow more.[NEWLINE][BOUNDARY][NEWLINE]user: Will it show me what happens if I get into financial trouble and stop making payments?[NEWLINE]agent: Yes, you can find out the impacts of suspending payments[NEWLINE][BOUNDARY][NEWLINE]user: How do I use this thing?
user: Hi, could you please advise me as to the accuracy of Loan Simulator, is it accurate?[NEWLINE]agent: Have you provided Loan Simulator with accurate information?[NEWLINE]user: No I have not tried Loan Simulator yet.[NEWLINE]user: Can the Loan Simulator predict future payments?[NEWLINE]agent: The Loan Simulator can only provide realistic results if you provide complete and accurate information about your circumstances but you must keep in mind that the tool can't predict your future payments with 100% accuracy.[NEWLINE][BOUNDARY][NEWLINE]user: Is it possible to make suggestions to make the tool better?[NEWLINE]agent: Yes we would appreciate your feedback and any requests for new features that you think will be helpful.[NEWLINE][BOUNDARY][NEWLINE]user: Is it possible for  you to guide me through the loan simulator so that I will get the best results?[NEWLINE]agent: Yes I can guide you through a series of questions based on what might be best for you.[NEWLINE][BOUNDARY][NEWLINE]user: Am I allowed to share the Loan Simulator with others?
user: Hello there, I have some questions about the loan simulator.[NEWLINE]agent: Do you know what you need to do to get the most realistic results?[NEWLINE]user: No, I'm aware of that.[NEWLINE]user: Where can I learn more about the calculations of the simulator?[NEWLINE]agent: You can learn more about Loan Simulator calculations on our website.[NEWLINE][BOUNDARY][NEWLINE]user: I'll check it out later. Is there a way I can help with improving this tool?[NEWLINE]agent: Yes, you can contact us to share your feedback, ask questions, and request new features.[NEWLINE][BOUNDARY][NEWLINE]user: Can I share the loan simulator with others?[NEWLINE]agent: Of course, we invite you to share this tool with friends and family.[NEWLINE][BOUNDARY][NEWLINE]user: Oh, before I forget it: how do I get the most accurate results?
user: Hello, I have a few questions about the accuracy of the loan simulator.[NEWLINE]agent: Of course. Do you want to get the most realistic results then?[NEWLINE]user: No, because I'm certain none of the results are actually reliable.[NEWLINE][BOUNDARY][NEWLINE]user: I entered the wrong data. Can I start from scratch with the whole simulation?[NEWLINE]agent: Yes, you can.[NEWLINE][BOUNDARY][NEWLINE]user: What is the loan simulator intended for?[NEWLINE]agent: Loan Simulator is a new tool to help you make decisions about your student loans.[NEWLINE][BOUNDARY][NEWLINE]user: Does the school determine how much I need to borrow?[NEWLINE]agent: Yes, and here you can see how choice of school affects how much you may need to borrow.[NEWLINE][BOUNDARY][NEWLINE]user: Can the simulator help me pick a plan for my studies?
user: I need help using the loan simulator.[NEWLINE]agent: I'll be happy to assist you with that. The loan simulator is a tool that helps you make decisions about student loans.[NEWLINE][BOUNDARY][NEWLINE]user: How can I get the most realistic results from the loan simulator?[NEWLINE]agent: It's always important to know that the simulator is not 100% accurate, but for the best results, be sure to provide complete and accurate information.[NEWLINE][BOUNDARY][NEWLINE]user: How do I start my repayment plan strategy from scratch?[NEWLINE]agent: Finding a repayment plan that fits your needs is very important.[NEWLINE][BOUNDARY][NEWLINE]user: How do I get started using the loan simulator?[NEWLINE]agent: The simulator will guide you through a series of questions based on your selections.[NEWLINE][BOUNDARY][NEWLINE]agent: Do you need assistance finding the best repayment strategy for you?[NEWLINE]user: Yes. I would definitely appreciate some help.[NEWLINE]agent: Excellent. We can help you find a repayment plan that best fits your needs and goals.[NEWLINE][BOUNDARY][NEWLINE]user: What important information should I know about using the loan simulator?
user: I came here because I have several questions about the loan simulator, for example about it's accuracy.[NEWLINE]agent: Do you want to know how to get the most realistic results?[NEWLINE]user: Yes, that'd be great.[NEWLINE]agent: You'll need provide complete and accurate information when using Loan Simulator. Keep in mind, this tool can t predict your future payments with 100 % accuracy.[NEWLINE][BOUNDARY][NEWLINE]user: Am I allowed to share the loan simulator with others?[NEWLINE]agent: Yes, we invite you to share this tool with friends and family.[NEWLINE][BOUNDARY][NEWLINE]user: Great. Can I help you improving this tool somehow?[NEWLINE]agent: Of course. Contact us to share your feedback, ask questions, and request new features.[NEWLINE][BOUNDARY][NEWLINE]user: Can I use the results to plan my finances?[NEWLINE]agent: Yes, but remember: the results of Loan Simulator are for informational purposes only and should not be considered financial advice. You are encouraged to review all available options and make decisions about borrowing and repayment that align with your individual goals.[NEWLINE][BOUNDARY][NEWLINE]user: So, using this tool, can I also simulate borrowing more money?
user: hi i would like to know how accurate is the loan simulator?[NEWLINE]agent: Do you want to know how to get the most realistic results?[NEWLINE]user: yes[NEWLINE]agent: Provides complete and accurate information when using Loan Simulator. Please note that this tool cannot predict your future payments with 100% accuracy.[NEWLINE][BOUNDARY][NEWLINE]user: And how can I collaborate to build this tool?[NEWLINE]agent: Contact us to share your feedback, ask questions, and request new features.[NEWLINE][BOUNDARY][NEWLINE]user: and what is loan simulator?[NEWLINE]agent: Loan Simulator is a new tool to help you make decisions about your student loans. Use it to find a payment plan that meets your needs and goals or to decide if you want to consolidate it.[NEWLINE][BOUNDARY][NEWLINE]user: and what do I do if I'm struggling with my payments[NEWLINE]agent: Decide whether you want to temporarily stop payments or reduce your monthly payment.[NEWLINE][BOUNDARY][NEWLINE]user: and what is the aim of the simulator?
user: Hi there. I'm looking information about loans, and the loan simulator.[NEWLINE]agent: Sure, we are here to help you. The loan simulator is a tool that will help you to know the realistic results related to your loan. Is this what you are looking for?[NEWLINE]user: Yes, that's exactly what I'm looking.[NEWLINE]agent: Great! You just need to provide all the information in the most accurate way possible to get a prediction of how your loan could result.[NEWLINE]user: Ok, is this information provided any legal value or I can use it when I try to apply for the loan?[NEWLINE]agent: The result of the loan simulator is just for informational purposes.[NEWLINE][BOUNDARY][NEWLINE]user: I see. But this will help you to be more accurate on what you can do for someone like me?[NEWLINE]agent: Yes, along with your feedback, questions and any kind of request, will help to improve the tool.[NEWLINE][BOUNDARY][NEWLINE]user: This may help me to know what would happen if I try to borrow more money for any extraordinary situation?[NEWLINE]agent: yes, it can help you to know what would happen if you ask for more money for extra educational expenses, returning to school or finishing your studies later than expected.[NEWLINE][BOUNDARY][NEWLINE]user: Great, that sounds pretty cool and use full, I can share this tool with my friends?
user: Are loan simulators accurate?[NEWLINE]agent: Do you want the most realistic results?[NEWLINE]user: Yes, I want the most realistic results.[NEWLINE]agent: You should provide complete and accurate information when using a loan simulator and keep in mind it cannot predict any future payments with 100% accuracy.[NEWLINE][BOUNDARY][NEWLINE]user: What is the loan simulator?[NEWLINE]agent: The loan simulator is a new tool to help you make decisions about your student loans and whether or not you should decide to consolidate.[NEWLINE][BOUNDARY][NEWLINE]user: Is there ways to help make the tool better?[NEWLINE]agent: We love feedback, the asking of questions, and request of new features.[NEWLINE][BOUNDARY][NEWLINE]user: Are the results of the loan simulator just used for informational purposes?[NEWLINE]agent: Yes, results of the loan simulator are just for informational purposes and is not real financial advice.  As always, you should review all available options and make decisions that are right for you.[NEWLINE][BOUNDARY][NEWLINE]user: Is it possible to share the loan simulator?
user: hello i would like help with the following, how do i decide which income based payment plan should i choose?[NEWLINE]agent: Do you want to decide which payment plan suits you based on your income?[NEWLINE]user: it's not what i want[NEWLINE][BOUNDARY][NEWLINE]user: If I have to certify my income every year, what should I do with my family's data?[NEWLINE]agent: You must provide your loan servicer with up-to-date income and family size information so that your servicer can recalculate your payment. even if there is no change.[NEWLINE][BOUNDARY][NEWLINE]user: in case of having loans from the FFEL Program. What I can do?[NEWLINE]agent: if you want a plan your only income based payment plan option is the IBR Plan[NEWLINE][BOUNDARY][NEWLINE]user: under what conditions will my AGI be used?[NEWLINE]agent: One of the conditions is if you filed a federal tax return in the last two years.[NEWLINE]user: If that is my case, what else?[NEWLINE]agent: in this case your current income is not significantly different from the income reported on your most recent federal tax return[NEWLINE]user: but this last does not apply to me
user: Hi, I need help with my payment plan. How do I decide which income-based payment plan to choose?[NEWLINE]agent: ok but decided that an income based payment plan is what you want?[NEWLINE]user: no well I'm not sure[NEWLINE][BOUNDARY][NEWLINE]user: What would be an income based contingent plan?[NEWLINE]agent: under these conditions it would be: Income - Contingent repayment plan ICR Plan[NEWLINE][BOUNDARY][NEWLINE]user: what they are and what they consist of REPAYE and ICR Plans[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: I understand and how my AGI is used[NEWLINE]agent: Did you file a federal tax return in the last two years?[NEWLINE]user: no i haven't
user: Hello, I need to know what is the forgiveness please?[NEWLINE]agent: Sure, what you have to know is that the amount varies between $ 17,500 or $ 5,000, it all depends on the case.[NEWLINE]agent: It is important to note that you must submit eligible loans under the Direct Loan Program and the FFEL Program.[NEWLINE]user: Can you tell me more about it?[NEWLINE][BOUNDARY][NEWLINE]user: Can you tell me if you can receive forgiveness from various entities such as teachers and public services?[NEWLINE]agent: You can choose both plans but not the same teaching service period.[NEWLINE]user: Can you explain to me on the subject?[NEWLINE]agent: Of course, if in the five-year period, it will not count towards the 120 monthly payments required for the Public Service Loan Forgiveness Program.[NEWLINE][BOUNDARY][NEWLINE]user: Can you inform me of the maximum amount to receive?[NEWLINE]agent: You can choose 17500 and you have to show that you qualify for such a plan.[NEWLINE]user: Who qualify for this purpose?[NEWLINE]agent: It is noteworthy that the loans range from $ 17,500 to $ 5,000 depending on the case.[NEWLINE][BOUNDARY][NEWLINE]user: What does the AmeriCorps Program consist of?
user: I would like to know if I can get my federal student loans forgiven for their service as a teacher?[NEWLINE]agent: You must learn about the forgiveness program to see if you qualify.[NEWLINE]user: If I already teach full-time for five full academic years in a row at a low-income school, do I qualify?[NEWLINE]agent: in view of your history you may be eligible for forgiveness of up to $ 17,500 on your Subsidized and Unsubsidized Direct Loans and your Subsidized and Unsubsidized Federal Stafford Loans.[NEWLINE][BOUNDARY][NEWLINE]user: I understand and to be a highly qualified teacher, what should I have?[NEWLINE]agent: Do you have at least a bachelor's degree?[NEWLINE]user: if i have a bachelor[NEWLINE]agent: have you received full state certification as a teacher?[NEWLINE]user: I have not received it[NEWLINE]agent: cannot pass as a highly qualified teacher[NEWLINE][BOUNDARY][NEWLINE]user: If I have a direct consolidation loan, who would be eligible?
user: Why do I need Exit Counseling?[NEWLINE]agent: Do you know what Exit Counseling is for?[NEWLINE]user: Yes, I know what it is for.[NEWLINE]agent: Then you are aware that it provides important information to get you ready to pay back your federal student loan.[NEWLINE]user: I have a subsidized PLUS loan do I need Exit Counseling?[NEWLINE]agent: Yes, it is required for you to complete Exit Counseling because you have a subsidized PLUS loan.[NEWLINE]user: What if I drop below half-time enrollment, do I have to complete the Exit Counseling?[NEWLINE]agent: Yes, you would have to complete the Exit Counseling.[NEWLINE]user: What if I decide to leave school?[NEWLINE]agent: Then you are required to take Exit Counseling.[NEWLINE]user: Do I have to take it once I graduate?
user: I'm wondering how the Graduated Repayment Plan works?[NEWLINE]agent: With this plan, payments are made for up to 10 years, and between 10 and 30 years for consolidation loans[NEWLINE]agent: Is your income currently low but with a view to improving steadily over time?[NEWLINE]user: Yes, I am in that category[NEWLINE]agent: Well in that case, this Graduated Repayment Plan might just be right for you[NEWLINE][BOUNDARY][NEWLINE]user: What loans are eligible for the Graduated Repayment Plan?[NEWLINE]agent: Some loans that are part of the William D. For Federal Direct Loan Program and the FFEL Program are eligible for the plan[NEWLINE][BOUNDARY][NEWLINE]user: How do I use the Loan Simulator to estimate my eligibility and payment amounts under the Graduated Repayment Plan?[NEWLINE]agent: Your loan servicer can help you choose the best loan repayment plan for you[NEWLINE][BOUNDARY][NEWLINE]user: How are monthly payments for consolidation loans treated under the Graduated Repayment Plan?[NEWLINE]agent: null[NEWLINE]agent: Do you have a Direct Consolidation Loan or an FFEL Consolidation Loan?
user: How do I choose the Direct Loan Master Promissory Note I want to preview?[NEWLINE]agent: Are you an Undergraduate Student?[NEWLINE]user: No, I am not an undergraduate student.[NEWLINE][BOUNDARY][NEWLINE]agent: Are you a Gradudate Student?[NEWLINE]user: Yes, I am a Graduate Student.[NEWLINE]agent: You would have to find the MPN that you need whether it is a Direct Unsubsidized Loans, Direct PLUS Loans or both and would have to complete each one.[NEWLINE][BOUNDARY][NEWLINE]user: What exactly does the Mastery Promissory Note do?[NEWLINE]agent: It explains the terms and conditions of your loan and you may receive more than one under an MPN over a period of 10 years to pay your or your child's educational costs.[NEWLINE][BOUNDARY][NEWLINE]user: How do I learn more about Master Promissory Notes for parents of an Undergraduate Student?[NEWLINE]agent: Use this MPN for Direct PLUS Loans available to eligible parents and view the demo online.[NEWLINE][BOUNDARY][NEWLINE]user: How can I learn more?
user: I am looking for more information on entrance counseling, can you give me some?[NEWLINE]agent: Are you familiar with the term itself?[NEWLINE]user: No, not really, can you help me?[NEWLINE][BOUNDARY][NEWLINE]agent: Do you know what group of people are suited to entrance counseling?[NEWLINE]user: No, I really don't know who it is suited to[NEWLINE][BOUNDARY][NEWLINE]agent: Do you know how long the entrance couseling takes?[NEWLINE]user: Yes, this I do know[NEWLINE]agent: Well, just to let you know, the entire counseling process must be completed in a single session. Most people complete it in 20-30 minutes[NEWLINE][BOUNDARY][NEWLINE]user: What do I need to partake in entrance counseling?[NEWLINE]agent: All information is contained within the counseling section on the website[NEWLINE][BOUNDARY][NEWLINE]user: Dies every school offer entrance counseling?
user: Hello, a question. Can US students apply for federal aid?[NEWLINE]agent: It is important to search for information related to the topic.[NEWLINE][BOUNDARY][NEWLINE]user: In my case I am not from the USA, can I participate in obtaining federal aid?[NEWLINE]agent: For certain procedures carried out on a specific date they are applicable.[NEWLINE][BOUNDARY][NEWLINE]user: Where do I have to send the FAFSA form?[NEWLINE]agent: It is essential that you go to the financial aid office to request information related to the subject.[NEWLINE][BOUNDARY][NEWLINE]user: If I am not an eligible citizen, what can I do?[NEWLINE]agent: Also so far I only have a Notice of approval to apply for residency.[NEWLINE]user: I only have a Notice of Approval to apply for residency, can I qualify for the aid?[NEWLINE]agent: Can't you currently receive federal aid if you are not a US citizen?[NEWLINE][BOUNDARY][NEWLINE]user: Can I go to the embassy to request information regarding the subject?