elplaguister/DTS_session_datasets huggingface dataset:
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][BOUNDARY][NEWLINE]user: Could you tell me more about regaining eligibility?[NEWLINE]agent: Have you been told that you do not qualify? You may be able to figure out how to get eligibility.[NEWLINE][BOUNDARY][NEWLINE]user: No, that's why I am asking you. I just really want to be able to go to college in the United States![NEWLINE]agent: Are you experiencing homelessness? That would qualify you for financial aid.[NEWLINE][BOUNDARY][NEWLINE]user: What? No? I just want to be able to come to the United States to study. I have intellectual disabilities and I heard that they schools there are helpful with that.
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][BOUNDARY][NEWLINE]user: Should I still fill out an FAFSA form if I've been granted DACA? Where do I send the FAFSA application?[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?
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]agent: Unfortunately, no relevant information is found.[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[NEWLINE]agent: You don't think it was correct the way the school calculated your eligibility for federal student grants[NEWLINE][BOUNDARY][NEWLINE]user: Now, regarding federal student aid, how do you figure out how much federal student assistance I'll get?[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: Does the federal government provide any type of aid other than Federal Student Aid? how could i apply?
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: I'd like to know if the information on Loan Simulator will be beneficial to me when I 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 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]user: Are you aware of these records as well? What 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: What options do I have if I had problems with monthly payments?[NEWLINE]agent: one option is to change the due date of your payment[NEWLINE][BOUNDARY][NEWLINE]user: What is simplifying repayment with consolidation?[NEWLINE]agent: You may want to combine your multiple federal student loans into a single direct consolidation loan to simplify repayment. There may be trade-offs, so understand the advantages and potential disadvantages of consolidation before submitting the application.[NEWLINE][BOUNDARY][NEWLINE]user: En relación con los contratos de préstamo, ¿cuál es su pagaré?
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]agent: Unfortunately, no relevant information is found.[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][BOUNDARY][NEWLINE]user: Can you tell me on which income-driven repayment plan I should apply if I have FFEL Program loans?[NEWLINE]agent: if you want a plan your only income based payment plan option is the IBR Plan[NEWLINE][BOUNDARY][NEWLINE]user: Good to know! Another related question that is special about that IBR plan. 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: If you have any information of Aid Resources? Is there any other form of financial assistance available besides Federal Student Aid?[NEWLINE]agent: Yes. The federal government offers other financial aid programs besides Federal Student Aid.[NEWLINE][BOUNDARY][NEWLINE]user: I see. Another question, What should I know about private student loans?  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.
user: Hello, can you inform me if I am eligible for the cancellation of a student loan through a false certification?[NEWLINE]agent: It is important to search for information regarding the approval of the false certification to see if you qualify.[NEWLINE][BOUNDARY][NEWLINE]user: Can you expand that information more please?[NEWLINE]agent: You can visit the US Department of Education to request more information on the subject.[NEWLINE][BOUNDARY][NEWLINE]user: What are the Discharge Criteria that I must follow if I want to be eligible for a 100% discharge of my Federal Program loans?[NEWLINE]agent: Were you enrolled when your school closed?[NEWLINE]user: was not enrolled[NEWLINE]agent: and were you on an approved leave of absence when your school closed?[NEWLINE]user: neither[NEWLINE]agent: Did your school close within 120 days of retirement?[NEWLINE]user: if it closed within 120 days
user: Hello, can you tell me if I can be eligible for loan cancellation based on a false certification?[NEWLINE]agent: It is important that you determine if you qualify so that you can qualify for the false certification.[NEWLINE][BOUNDARY][NEWLINE]user: What is the PLUS loan please?[NEWLINE]agent: It is noteworthy that the school falsely certified the ability to seek benefit.[NEWLINE]user: Can you explain more about what was stated above?[NEWLINE]agent: Of course, and what do you want to know more about?[NEWLINE][BOUNDARY][NEWLINE]user: How can I prove that I am qualified for a TPD download?[NEWLINE]agent: Do you have documentation from the United States Department of Veterans Affairs VA?[NEWLINE]user: if I have[NEWLINE]agent: you must also provide two other sources[NEWLINE][BOUNDARY][NEWLINE]user: Should you determine if the amount of a loan written off due to TPD can be treated as taxable income for federal tax purposes?
user: Could forgiveness of my federal student loan be available if the school I attended misled me or engaged in misconduct in violation of certain laws?[NEWLINE]agent: Yes, this is available and the loan forgiveness is called borrower defense to repayment and you can learn more.[NEWLINE][BOUNDARY][NEWLINE]user: What if I accidentally used two email addresses associated with my borrower defense application?[NEWLINE]agent: The ED will send a notification email to both of the email addresses on file.[NEWLINE][BOUNDARY][NEWLINE]user: I just remember to ask about Teacher Loan Forgiveness Program, 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: What is the name of the forgiveness if I was misled by a school?[NEWLINE]agent: That type of loan forgiveness is called borrower defense to repayment.[NEWLINE][BOUNDARY][NEWLINE]user: Are there resources for help about borrower defense?[NEWLINE]agent: Do you have questions you need answered about borrower defense?[NEWLINE]user: Not at this time.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: What if I have comments or disagree with a proposed settlement?[NEWLINE]agent: You would have to mail it the Clerk of the Court of the United States District Court Northern District of California, 450 Golden Gate Avenue, San Francisco, CA 94102.[NEWLINE][BOUNDARY][NEWLINE]user: I'm just looking for more detail on federal student loans. Is it possible to change your mind, after you've chosen a plan?[NEWLINE]agent: Although you can select or be assigned a payment plan when you start paying off your student loan, you can change your payment plans at any time for free.[NEWLINE][BOUNDARY][NEWLINE]user: I also require additional information about Borrower Defense Application. Where can I get more details about federal student loan repayment for Corinthian Colleges?[NEWLINE]agent: Just go to the section that states "Information about Debt Relief for Corinthian Colleges Students" page.[NEWLINE][BOUNDARY][NEWLINE]user: What should I do if I have defaulted on my federal student loan and have entered a rehabilitation plan?
user: I have heard that borrowers may be able to avail of forgiveness of their federal student loans if the school was found to have misled the borrower or engaged in misconduct. Is this true?[NEWLINE]agent: Yes, this does exist and is known as borrower defense to repayment, or borrower defense for short. Ther are sections on the website that go into this aspect further[NEWLINE][BOUNDARY][NEWLINE]user: How do I access notifications regarding the Sweet v. DeVos Lawsuit, are they available to the public?[NEWLINE]agent: Notifications regarding the Sweet v. DeVos Lawsuit will be emailed by the US Government in June/July 2020. These notifications will be emailed to borrower defense applicants who are deemed to be potential members of the group of borrowers that this lawsuit applies to. The notifications will inform this group of borrowers that there is a proposed settlement of the lawsuit[NEWLINE]agent: Are there questions that you have about these notifications that are not answered on the website?[NEWLINE]user: No, I have gone into this fully yet, but may do so in the near future[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: What is included under the term borrower defense discharge when related to the term Direct Loan?[NEWLINE]agent: We define the term Direct Loan in 34 CFR 685.206 to include Direct Consolidation loans[NEWLINE][BOUNDARY][NEWLINE]user: I also have a question about Public Service Loan Forgiveness. If I was rejected because of how I made payments on my repayment plan, would I still qualify?[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: Is there any option for a borrower to be eligible for debt forgiveness of a federal student loan if the school in question misled the borrower or were engaged in misconduct unbecoming of the school?[NEWLINE]agent: Yes, this type of debt forgiveness is called borrower defense to repayment, which is also shortened to borrower defense. There is more information available on the website[NEWLINE][BOUNDARY][NEWLINE]user: What are the notifications regarding Manriquez v. DeVos Lawsuit and will they affect me?[NEWLINE]agent: Borrower defense applicants who are potential members of the group of borrowers to whom the lawsuit applies will begin to receive notifications about this lawsuit fro the US Government from Dec 26, 2019. These notifications are sent by email from the address noreply@studentaid.gov[NEWLINE]agent: If I am due to receive a notification in relation to this lawsuit and I don't have a valid email address, what happens?[NEWLINE]user: No, I on;t think I fit into this category[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: Is there a way for me to apply for a Direct Consolidation Loan if I want to have my borrower defense discharge apply to my FFEL?[NEWLINE]agent: You can apply by logging on to StudentAid.gov/app/launchConsolidation.action. Once your Direct Consolidation Loan is approved, you can then contact the borrower defense hotline on 1-855-279-6207 from 8am to 8pm[NEWLINE][BOUNDARY][NEWLINE]user: What are the Discharge Criteria that I must follow if I want to be eligible for a 100% discharge of my Federal Program loans?[NEWLINE]agent: Were you enrolled when your school closed?[NEWLINE]user: was not enrolled[NEWLINE]agent: and were you on an approved leave of absence when your school closed?[NEWLINE]user: neither[NEWLINE]agent: Did your school close within 120 days of retirement?[NEWLINE]user: if it closed within 120 days
user: educate me on loan forgiveness because I think I was done wrong[NEWLINE]agent: Borrowers may be eligible for forgiveness of the federal student loans used to attend a school if that school misled them or engaged in other misconduct in violation of certain laws. This type of loan forgiveness is called “borrower defense to repayment,” sometimes abbreviated to “borrower defense.”[NEWLINE][BOUNDARY][NEWLINE]user: what will you review on an application?[NEWLINE]agent: They will look at things such as the campuses you attended, the programs in which you enrolled, and the dates that you enrolled[NEWLINE]user: can loan forgiveness be applied to a Federal Perkins loan?[NEWLINE]agent: If you consolidate your loans into a Direct Consolidation Loan you can obtain a discharge[NEWLINE][BOUNDARY][NEWLINE]user: I need some info about the forgiveness under the Teacher Loan and Service Loan Forgiveness Program, could you help me out with this?[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 need to know if I am eligible for federal student loan forgiveness.[NEWLINE]agent: I can assist you with this. The type of loan forgiveness that you are referring to is known as borrower defense to repayment.[NEWLINE][BOUNDARY][NEWLINE]user: I defaulted on my federal student loan after entering a rehabilitation plan. Can I still qualify for loan forgiveness?[NEWLINE]agent: In your case, you should contact the collection agency that helped you set up the plan. They will be able to tell you whether or not, there would be any negative consequences if you chose to enter stopped collection status.[NEWLINE][BOUNDARY][NEWLINE]user: What about Direct Loans disbursed before July 1st, 2017?[NEWLINE]agent: If your school engaged in acts that would rise to a cause of action against the school under state law, you could be eligible for a discharge forgiveness of part or all of your Direct Loan.[NEWLINE][BOUNDARY][NEWLINE]user: I'd like to inquire about whether I might be eligible for a discharge of federal student loans. If I am approved for loan cancellation, how much money do I owe?[NEWLINE]agent: If you are approved then all the remaining balance of your loan will be canceled.[NEWLINE]user: What are the eligibility requirements?[NEWLINE]agent: It is also worth noting that any payment made on the loan will be reimbursed.[NEWLINE][BOUNDARY][NEWLINE]user: Perfect and what else can you tell me?
user: Could you give me more information regarding debt forgiveness of federal student loans as a result of a school misleading a student or being engaged in misconduct?[NEWLINE]agent: The type of debt forgiveness that you are speaking of is called borrower defense to repayment, which is also shortened to borrower defense. We have more sections on the website dedicated to this particular subject[NEWLINE][BOUNDARY][NEWLINE]user: Have you a section on your website dedicated to common questions and answers surrounding forbearance/stopped collections status?[NEWLINE]agent: When you apply for borrower defense, all the federal student loans you have are placed into forbearance. Any debt collections that you have on any federal student loans in default are also stopped, pending a full review. Interest does continue to accrue however on your federal student loans[NEWLINE]agent: What happens in relation to forbearance/stopped collections of my application for borrower defense is denied or partially denied?[NEWLINE]user: Yes, I have just found out the result of my application[NEWLINE]agent: In this instance, the interest that accumulated on your loans is added to the outstanding balance of your loans when you entered forbearance/stopped collections. This does mean that the amount you pay in the future could be higher than you initially thought[NEWLINE][BOUNDARY][NEWLINE]user: Understood, and regarding the payment of federal student loans, what options or payment plans can I have?[NEWLINE]agent: Check with your school for more information.[NEWLINE][BOUNDARY][NEWLINE]user: What if I filed a borrower defense request outside of the applicable period, or indeed, if my loan payments are less than the amount owed?[NEWLINE]agent: In this case, you will not be eligible for a refund of payments, as you loan servicer will not apply any previous payments made on the discharged loan or return any made payments to you[NEWLINE][BOUNDARY][NEWLINE]user: What does it mean to be granted a partial discharge on my federal student loan?[NEWLINE]agent: Any amount of your loan that is not discharged will need to be repaid by you, including any interest that has accrued. Any forbearance or stopped collections that you may have had on other borrowings will finish once you have been granted a partial discharge[NEWLINE][BOUNDARY][NEWLINE]user: Are there any additional documents that I can submit as part of my application for borrower defense?
user: I have reason to believe that I could be eligible for loan forgiveness in relation to my school, can you give me more information on this regard?[NEWLINE]agent: This loan forgiveness is known as borrower defense to repayment, or can be known as borrower defense for short. We have extensive information on our website about this[NEWLINE][BOUNDARY][NEWLINE]user: If my program earnings exceed those of the comparison earnings that are carried out by the ED, what happens?[NEWLINE]agent: In this case, even if you have filed an approved claim, you will not receive any discharge of your loan until it is associated with Corinthian Colleges, Inc. (CCI)[NEWLINE][BOUNDARY][NEWLINE]user: ok thanks also I would like to find out about the association with Corinthian Colleges, Inc. (CCI) and the Requirements to be a highly qualified teacher?[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: I think I may be eligible for debt forgiveness of my federal student loan due to a law violation carried out by my school. How do I pursue this?[NEWLINE]agent: The type of debt forgiveness you are talking about is called borrower defense to repayment, or borrower defense for short. There is further information on this particular item on the website[NEWLINE]user: Does the description of my issue come under borrower defense, do you know?[NEWLINE]agent: There are sections on the website dedicated to borrower defense and they will go through all questions and queries you may have[NEWLINE][BOUNDARY][NEWLINE]user: Regarding the discharge criteria, if I want to be 100 percent eligible for a discharge of my loans from the federal program, what requirements do I have to meet?[NEWLINE]agent: Were you enrolled when your school closed?[NEWLINE]user: was not enrolled[NEWLINE]agent: and were you on an approved leave of absence when your school closed?[NEWLINE]user: neither[NEWLINE]agent: Did your school close within 120 days of retirement?[NEWLINE]user: if it closed within 120 days