elplaguister/DTS_session_datasets huggingface dataset:
user: I wanted to know if I can get loan forgiveness[NEWLINE]agent: Are you employed by a U.S. federal, state, local, or tribal government or not-for-profit organization?[NEWLINE]user: I'm a state employee[NEWLINE]agent: You might be eligible for the Public Service Loan Forgiveness Program[NEWLINE]user: can I still qualify if I was denied because of how I made payments on my repayment plan?[NEWLINE]agent: You might still be eligible for forgiveness through Temporary Expanded Public Service Loan Forgiveness[NEWLINE][BOUNDARY][NEWLINE]user: what must I have to qualify for the school loan forgiveness?[NEWLINE]agent: Are you employed by a U.S. federal, state, local, or tribal government or not-for-profit organization?[NEWLINE]user: null[NEWLINE]agent: You do not qualify for PSLF.[NEWLINE][BOUNDARY][NEWLINE]user: If I did qualify what would it do for me?
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: If some of my loans are still in the grace period when do I begin repayment of my consolidated loan?[NEWLINE]agent: If some of your loans that you want to consolidate are still in the grace period you have the option of indicated on your Direct Consolidation Loan application that you want the servicer that is processing  your application to delay the consolidation of your loans until closer to the grace period end date.[NEWLINE][BOUNDARY][NEWLINE]user: If I decide that I would like to consolidate my loans how do I go about applying for a Direct Consolidation Loan?[NEWLINE]agent: There are two ways in which you can apply. You can complete and submit the application online or you can download and print a paper application for submission by U.S. mail.[NEWLINE]agent: If you apply how do you think  you will submit your application, online or by mail?[NEWLINE]user: I don't think I will be applying.[NEWLINE][BOUNDARY][NEWLINE]user: Once I have submitted an application who do I contact if I have question about the consolidation?
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: I have some loans in the grace period at the moment so when do I have to begin repayment of my consolidation loan?[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: I have a Federal Perkins Loan, can this loan be included in a consolidation loan?[NEWLINE]agent: Yes that is one of the loans that can be included in your consolidation loan.[NEWLINE]user: What happens to my private education loans if I consolidate my loan debt?
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][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][BOUNDARY][NEWLINE]user: and I can do this to an FFEL Consolidation Loan?
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][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: Alright. That's good to know. You have been very kind. But where I can go or call if I got more questions?
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: are there any qualifications to consolidate loans?[NEWLINE]agent: Yes, there are eligibility requirements for receiving a Direct Consolidation Loan.[NEWLINE]agent: Did you want to consolidate a defaulted loan?[NEWLINE]user: none of the loans are in default[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: not that either, no defaulted loans here[NEWLINE]user: what if I was to default before consolidating? what do I do?
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: What happens when I apply for a Direct Consolidation Loan?[NEWLINE]agent: You don't have to consolidate all your eligible loans and you should not include your Direct Loans with your other loans and that goes for Perkins Loans also.[NEWLINE]user: How many years can I get on my consolidation loans?[NEWLINE]agent: You would be able to get 30 year loan with consolidation which makes lower monthly payments.[NEWLINE][BOUNDARY][NEWLINE]user: Who should I contact when I have questions about consolidation?[NEWLINE]agent: It really depends on where you are in the consolidation process.[NEWLINE]agent: Do you have questions about consolidating your loans before you apply for a Direct Consolidation Loan?
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: Can parents Direct PLUS Loans be consolidated with a federal student loan received by a student?[NEWLINE]agent: Direct PLUS Loans for parents are not able to be combined with federal student loans from the student.[NEWLINE][BOUNDARY][NEWLINE]user: What is the process of repayment?[NEWLINE]agent: Repayment of a Direct Consolidation Loan would start 60 days after the loan is paid out and your loan servicer will let you know when payment is first due.[NEWLINE]agent: Are any of your loans you want to consolidate in grace period?[NEWLINE]user: Yes, I have one loan that is in grace period.[NEWLINE]agent: You are able to ask your servicer for your Direct Consolidation Loan application to wait on processing until the grace period end date.[NEWLINE][BOUNDARY][NEWLINE]user: Who would I contact if I have questions about consolidation?
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: When should I not include my Federal Perkins Loans with my consolidation?[NEWLINE]agent: You should not include your Perkins Loans when you consolidate if you are employed in an occupation that would qualify you for Perkins Loan cancellation.[NEWLINE]user: What if I want to consolidate loans other than Direct Loans?[NEWLINE]agent: Other income-driven repayment plans and Public Service Loan Forgiveness may become available to you if you choose an IDR.[NEWLINE][BOUNDARY][NEWLINE]user: Who should I get into contact with if I have questions?[NEWLINE]agent: It depends where you are in the consolidation process who you talk to.[NEWLINE]agent: Do you have questions about consolidating your loans before you apply for a Direct Consolidation Loan?[NEWLINE]user: Yes, I have questions about consolidating my loans before I apply.
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: What if I have federal student loans that are with different loan servicers?[NEWLINE]agent: Actually, consolidation would be simplifying loan repayment by giving you a single loan with just one monthly bill.[NEWLINE][BOUNDARY][NEWLINE]user: What if I am being contacted by private companies that offer help applying for a Direct Consolidation Loan for a fee?[NEWLINE]agent: Those companies have no affiliation with the US Department of Education loan servicers and there is no reason to pay anyone for assistance.[NEWLINE][BOUNDARY][NEWLINE]user: Could I apply for a Direct Consolidation Loan online?[NEWLINE]agent: Yes, you can complete and submit an application for Direct Consolidation online or if need be you can download and print a paper application for submission by mail.[NEWLINE]agent: Did you submit your application electronically or by mail yet?[NEWLINE]user: Yes, I have submitted the application electronically.
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: But what's the bad part of consolidation?[NEWLINE]agent: The consolidation usually increases the period of time you have to repay your loans.[NEWLINE][BOUNDARY][NEWLINE]user: I see... But anyhow, how do I apply for a consolidation of the loan?[NEWLINE]agent: You just need to apply for it, be online or in paper.[NEWLINE]agent: You know what come next you send your application?[NEWLINE]user: Yes, I have an idea about it.[NEWLINE]agent: Great, because your consolidation servicer you selected will complete the action required to consolidate your loan.[NEWLINE][BOUNDARY][NEWLINE]user: There are different repayment plans, right?
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: That is great news. Is there a length of time that I need to have teached before I'm eligible?
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?
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]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: Yes, I know. I'm an undergraduate student, how much can I borrow?[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: What if I decide to take out a loan?[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.
user: Hello, can you tell me what requirements are asked to qualify for federal student aid?[NEWLINE]agent: Above all it is of great importance to review the basic eligibility criteria.[NEWLINE][BOUNDARY][NEWLINE]user: What if you are not a US citizen or an eligible non-citizen?[NEWLINE]agent: It is important that you comply with what you just mentioned to opt for the aid plan.[NEWLINE]user: Can you advise me regarding the Basic Eligibility Criteria?[NEWLINE]agent: There are several criteria that you must meet to apply for student aid.[NEWLINE]user: What requirements do they ask for the male case?[NEWLINE]agent: ages are between 18 and 25 in addition to being enrolled or accepted to enroll as a regular student.[NEWLINE][BOUNDARY][NEWLINE]user: Do you have to prove you are qualified for university studies?[NEWLINE]agent: Of course you have to demotivate to be qualified, normally you must pass an approved ability test.[NEWLINE]user: What if you don't have a diploma or GED?[NEWLINE]agent: You must be enrolled in a university or vocational school to qualify for assistance.[NEWLINE][BOUNDARY][NEWLINE]user: What is the selective service?
user: Do I need to meet certain requirements to get federal student aid?[NEWLINE]agent: Yes there are basic eligibility criteria to receive student aid.[NEWLINE][BOUNDARY][NEWLINE]user: What is federal student aid used for?[NEWLINE]agent: FSA must only be used for educational purposes.[NEWLINE]user: What amount of enrollment should I be in?[NEWLINE]agent:  To get Direct Loan Program funds, you must be enrolled at least half-time.[NEWLINE]user: Along with being registered with selective service at age 18-25 what are is another criteria?[NEWLINE]agent: You must be enrolled or accepted for enrollment as a regular student in a eligible degree or certificate program to get student aid.[NEWLINE][BOUNDARY][NEWLINE]user: How could I prove I am qualified to obtain a higher education if I don't have a diploma?[NEWLINE]agent: Did  you pass approved ability to benefit test if you don't have a diploma or GED?[NEWLINE]user: Yes, I did pass the test..[NEWLINE]agent: Then you would be able to benefit from the Ability to Benefit alternatives.[NEWLINE][BOUNDARY][NEWLINE]user: Can I sign the form saying I am not in default on a federal student loan?
user: I need to know where I can report someone for messing with my money?[NEWLINE]agent: Do you believe your school is not administering federal student aid funds properly?[NEWLINE]user: I don't know about that, just my own money[NEWLINE]user: what can I do if I don't I think they did my grants right?[NEWLINE]agent: Do you feel your school paid out your aid incorrectly,  in the wrong amount, at the wrong time, or not at all?[NEWLINE]user: no I think they didn't do it right, like before they paid me they messed up[NEWLINE]agent: Do you think your school has policies but isn’t following them?[NEWLINE]user: Don't know anything about policies or any of that[NEWLINE]agent: Do you feel your school or its representative has made false or misleading statements about the school's financial charges?[NEWLINE]user: no, just think I should have gotten more money and they did my application wrong
user: Can I get help for the military service of a relative or myself?[NEWLINE]agent: If you can choose for reimbursement and it is noteworthy that they are available from various sources.[NEWLINE][BOUNDARY][NEWLINE]user: Can you tell me more about it?[NEWLINE]agent: It is noteworthy that the postponement will extend for an additional 180 days.[NEWLINE][BOUNDARY][NEWLINE]user: Perfect and what else?[NEWLINE]agent: It is important to verify that you do not suffer from a scam to do this. Get information about identity theft.[NEWLINE][BOUNDARY][NEWLINE]user: Where can I find more information?[NEWLINE]agent: You can find more information through goarmy.com[NEWLINE][BOUNDARY][NEWLINE]user: What is the calculation of eligibility for student grants?[NEWLINE]agent: It is important to note that your disbursed school paid your aid or credit balance incorrectly.[NEWLINE]user: What does this process consist of?[NEWLINE]agent: Your school is in charge of calculating the loan.[NEWLINE][BOUNDARY][NEWLINE]user: What are the procedures for this purpose.
user: Are there any tax benefits available from the IRS in relation to education costs?[NEWLINE]agent: Yes, there are benefits applicable, you can use these benefits to recoup some of the expenses that you have spent on tuition or loan interest. You can also use the benefits to maximize your college savings[NEWLINE][BOUNDARY][NEWLINE]user: Is it possible for me to withdraw funds from an IRA account to cover my college costs?[NEWLINE]agent: Yes, this is possible. You will need to pay income tax on the amount you withdraw from your IRA account, but no early withdrawal penalty will be applicable[NEWLINE][BOUNDARY][NEWLINE]user: How do I go about applying for tax credits for my education costs?[NEWLINE]agent: You will need to file a tax return, even if you normally don't do this because of your income level[NEWLINE][BOUNDARY][NEWLINE]user: I have heard about Qualified Tuition Programs, what exactly are they?[NEWLINE]agent: These are plans that are provided by a state or a school which allows you to either prepay or save up to pay your education costs. When you use these funds for your college career, the money that is withdrawn from the account is not subjected to tax[NEWLINE]agent: Does the college that you are hoping to attend participate in QTP's?[NEWLINE]user: I am unsure but I don't think so[NEWLINE][BOUNDARY][NEWLINE]user: What happens if I don't file a tax return, am I missing out on something?
user: I need help understanding federal student loans and private student loans.[NEWLINE]agent: Will you be needing a loan to help pay for college?[NEWLINE]user: No. The loan will be for my son.[NEWLINE][BOUNDARY][NEWLINE]user: Which are more expensive, private student loans or federal student loans?[NEWLINE]agent: Generally, private students loans are more expensive.[NEWLINE]user: What should I know about private student loans?[NEWLINE]agent: The first thing you should know is that these loans differ by lender and type of loan. This can make them more complicated to understand compared to federal student loans. It's very important that you understand the terms of the loan and have your lender answer any questions that you have.[NEWLINE][BOUNDARY][NEWLINE]user: What if my son will be applying for financial aid?[NEWLINE]agent: Your son's school will more than likely include student loans as part of his financial aid package. These could be federal or private loans.[NEWLINE][BOUNDARY][NEWLINE]user: How can my son get a federal student loan?[NEWLINE]agent: Will your son be applying for a federal loan?[NEWLINE]user: Yes.