elplaguister/DTS_session_datasets huggingface dataset:
user: I need to know whether I, as a non-citizen, qualify for federal student aid.[NEWLINE]agent: I can help you with that. First, it's very important to know that being a non-citizen does not automatically disqualify you for aid.[NEWLINE][BOUNDARY][NEWLINE]user: What would cause me to be ineligible for federal student aid?[NEWLINE]agent: Certain types of documentation can disqualify you. Do you only have a Notice of Approval to Apply for Permanent Residence I-171 or I-464?[NEWLINE]user: No, I don't have this.[NEWLINE]agent: Okay. Are you in the U.S. on an F-1 or F-2 non-immigrant student visa?[NEWLINE]user: No, I'm not.[NEWLINE]agent: Do you hold a G series visa pertaining to international organizations?[NEWLINE]user: Yes, I do.[NEWLINE]agent: I'm sorry to have to inform you that this disqualifies you for federal student aid.[NEWLINE][BOUNDARY][NEWLINE]user: Another thing I want know. What is the purpose of federal student aid?[NEWLINE]agent: FSA must only be used for educational purposes.[NEWLINE][BOUNDARY][NEWLINE]user: I have a question about other resources aside from  Federal Student Aid, does the federal government offer other financial aid programs?
user: What is the best choice when accepting financial aid from a school?[NEWLINE]agent: Accept financial aid funds you don't have to pay back above anything else.[NEWLINE]agent: Have you received your school's financial aid offer yet?[NEWLINE]user: No, I have not received the financial aid package from my school yet.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: What is the process of telling my school which aid I will accept?[NEWLINE]agent: Your student aid offer will include directions on how to accept the aid offer and you might have to put the amounts you are accepting in an online form and then submit it.[NEWLINE][BOUNDARY][NEWLINE]user: What if I have questions about what I am accepting?[NEWLINE]agent: You should always contact the school if you have questions about what aid you are accepting and the repayment terms.[NEWLINE]user: by the way, how is the amount of federal student aid determined? and what does the cost of attendance or COA refer to?[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: I came here hoping you could explain how the income-sensitive repayment plan works. Can you tell me more about this plan?[NEWLINE]agent: Of course. The payments under this plan increase or decrease based on your annual income.[NEWLINE]agent: Do you need to make lower payments on your FFEL Program loans?[NEWLINE]user: No, I don't.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: What can you tell me about monthly payments?[NEWLINE]agent: Under this plan, you'll have monthly payments.[NEWLINE][BOUNDARY][NEWLINE]user: Okay good, now regarding  Federal Family Education Loan Program, do I just make one payment or two payments to one place?[NEWLINE]agent: You will only have one monthly payment to make if you consolidate them into a single Direct Consolidation Loan[NEWLINE][BOUNDARY][NEWLINE]user: so I can do this for my Perkins loan?[NEWLINE]agent: Perkins Loan repayment plan options are not the same as those for Direct Loan Program or FFEL Program loans. You can contact your school for more information on Perkins Loan repayment plans.[NEWLINE][BOUNDARY][NEWLINE]user: do you have a chart that shows what payments will be like for whatever I choose?
user: hi could you help me choose the federal student loan repayment plan that is best for me[NEWLINE]agent: Are you looking to make your payments more affordable?[NEWLINE]user: not necessarily[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE]user: and after choosing a plan can you change it?[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]user: Is it okay if I ask another question? in relation to student loans What is the purpose of the FSA's Loan Simulator?[NEWLINE]agent: The Loan Simulator is a new tool that is designed to help you make decisions about your student loans. It can be used to find repayment plans that will suit your needs and wishes, and may even prompt you to consolidate your borrowings[NEWLINE][BOUNDARY][NEWLINE]user: Another FSA-related question. Could you please show me how to use the loan simulator?[NEWLINE]agent: Before contacting your loan manager to discuss repayment plans, you can use our Loan Simulator to get an early look at the plans you may be eligible for and see estimates of how much you would pay monthly and overall.[NEWLINE][BOUNDARY][NEWLINE]user: How are monthly consolidation loan payments treated under the Graduated Repayment Plan?[NEWLINE]agent: null[NEWLINE][BOUNDARY][NEWLINE]user: Do you not have any knowledge of this loan consolidation? What happens if I have several loans?[NEWLINE]agent: you can consolidate them into a single Direct Consolidation Loan. This can simplify repayment if you currently make separate loan payments to different loan holders or administrators, as you only have to make one monthly payment.[NEWLINE][BOUNDARY][NEWLINE]user: And what is the payment of my federal Perkins loan?
user: I want to find the best repayment plan for my school loan[NEWLINE]agent: Do you want affordable payments?[NEWLINE]user: that would be great[NEWLINE]agent: Repayment plans can be based on your income to make them more affordable[NEWLINE][BOUNDARY][NEWLINE]user: Can you combine my loans so I get a better payment plan?[NEWLINE]agent: You can consolidate them into a single Direct Consolidation Loan. This may simplify repayment if you are currently making separate loan payments to different loan holders or servicers.[NEWLINE]user: I want to combine my loans so I can  simplify my repayment plans, but what if I have FFEL program loans owned by the U.S. Department of Education ED?  What will happen?[NEWLINE]agent: In that case you should contact your loan servicer.[NEWLINE][BOUNDARY][NEWLINE]user: I understand. Say, which loans are eligible for that repayment plan we talked about?[NEWLINE]agent: There are several loans which are eligible for the income-sensitive repayment plan, all of them listed on our website.[NEWLINE][BOUNDARY][NEWLINE]user: Allow me one final question: what if I have FFEL Program loans that are not owned by ED?
user: can you help me choose the federal student loan repayment plan[NEWLINE]agent: Do you want to know the most affordable ones?[NEWLINE]user: not really[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: can you give me details to pay 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]user: Under the Graduated Repayment Plan, how are monthly payments for consolidation loans handled?[NEWLINE]agent: null[NEWLINE]user: can I ask something else? Regarding the Perkins loan repayment plan? could it be consolidated? how can i pay it?[NEWLINE]agent: Check with your school for more information.[NEWLINE][BOUNDARY][NEWLINE]user: ok good, regarding the simulation of borrowing more money, does the school determine the amount to lend that i need?[NEWLINE]agent: Yes, and here you can see how choice of school affects how much you may need to borrow.[NEWLINE][BOUNDARY][NEWLINE]user: I still need to find out about  the federal student loan repayment plan. What veneficio provided me with the blueprints?[NEWLINE]agent: repayment plans can give you more time to pay back your loans[NEWLINE][BOUNDARY][NEWLINE]user: if I have separate loans to different loan holders or administrators, can i make a monthly payment?
user: I'm looking to see what I can get out of a repayment plan[NEWLINE]agent: Are you looking for an affordable repayment plan?[NEWLINE]user: no, I what to see what is available[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: can I consolidate loans to get a better plan?[NEWLINE]agent: Do you have multiple federal student loans?[NEWLINE]user: yes I have two[NEWLINE]agent: You can simplify repayment by consolidating them into a single Direct Consolidation Loan[NEWLINE][BOUNDARY][NEWLINE]user: Is there a stock option built into 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: something else I want to ask, can I simplify the payment by consolidating several loans, can I do it with the Perkins loan?[NEWLINE]agent: Perkins Loan repayment plan options are not the same as those for Direct Loan Program or FFEL Program loans. You should contact your school for more information on Perkins Loan repayment plans.[NEWLINE][BOUNDARY][NEWLINE]user: If I have to certify my income every year, what should I do with my family's information? Will I always pay the same amount every month with a payment plan determined by income as my family grows?
user: Hello, I would like you to help me choose the federal student loan payment plan that is best for me.[NEWLINE]agent: Are you in search of a loan where your payments are more affordable?[NEWLINE]user: not necessarily[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: And how can I see what plans you can access?[NEWLINE]agent: Before contacting your loan manager to discuss repayment plans, you can use our Loan Simulator to get an early look at the plans you may be eligible for and see estimates of how much you would pay monthly and overall.[NEWLINE]user: Are you aware of the FFEL Loans that are Eligible? Which loans qualify for the repayment plan we discussed?[NEWLINE]agent: There are several loans which are eligible for the income-sensitive repayment plan, all of them listed on our website.[NEWLINE][BOUNDARY][NEWLINE]user: Sure. Now I need to ask about repayment plan. and what are the loans based on[NEWLINE]agent: repayment plans may give you more time to repay your loans or may be based on your income.[NEWLINE][BOUNDARY][NEWLINE]user: Please, give me more information about Graduated Repayment Plan. In what way can 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: Regarding the choice of the federal student loan repayment plan, could I change the repayment plan at any time for free?[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: And how is the federal Perkins loan?
user: Hello, I have some questions about my student loan plan. Perhaps you can help me with that.[NEWLINE]agent: Of course. Do you want to make your payments more affordable?[NEWLINE]user: That would be nice, yes.[NEWLINE]agent: Then you should know that repayment plans can give you more time to repay your loans or can be based on your income.[NEWLINE]user: I understand that. What if I want to change my repayment plan, though?[NEWLINE]agent: Contact your loan servicer if you would like to discuss repayment plan options or change your repayment plan. You can get information about all of the federal student loans you have received and find the loan servicer for your loans by logging in to "My Federal Student Aid".[NEWLINE][BOUNDARY][NEWLINE]user: That is something I am sure of. But can I know if there is a case if I have FFEL Program loans owned by the U.S. Department of Education ED?[NEWLINE]agent: In that case you should contact your loan servicer.[NEWLINE][BOUNDARY][NEWLINE]user: I understand. Say, which loans are eligible for that repayment plan we talked about?[NEWLINE]agent: There are several loans which are eligible for the income-sensitive repayment plan, all of them listed on our website.[NEWLINE][BOUNDARY][NEWLINE]user: Allow me one final question: what if I have FFEL Program loans that are not owned by ED?
user: I need help choosing a federal student loan repayment plan.[NEWLINE]agent: Are you having trouble paying your student loans and are looking for payments that are more affordable?[NEWLINE]user: No, my son is.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: Is it a good idea for my son to consolidate his student loans?[NEWLINE]agent: Consolidating them into a single Direct Consolidation Loan can help him simplify the repayment process, since he will only have one monthly payment to make.[NEWLINE][BOUNDARY][NEWLINE]user: Is there a section on the website for comments or suggestions on the performance of the website and make it easier to use?[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: My son has now been allocated to a repayment plan, but he is having difficulty making the payments. Is it possible for him to change his repayment plan?[NEWLINE]agent: Absolutely. Your son can change his repayment plan for free at any time.[NEWLINE][BOUNDARY][NEWLINE]user: Now, related to this Federal Student Aid program, what if I have FFEL Program loans that are not owned by ED?[NEWLINE]agent: In that situation I'd recommend you to contact your lender.[NEWLINE]user: Can you explain to me on what is a Direct Consolidation Loan and how does it work?[NEWLINE]agent: A Direct Consolidation Loan allows your son to combine all his student loans into one loan, so instead of paying separate payments to each loan holder, he would only be making one monthly payment.[NEWLINE]user: Can you consolidate multiple federal student loans?
user: I'm here to look at a good repayment plan[NEWLINE]agent: Are you looking for a repayment plan with affordable payments?[NEWLINE]user: no looking for information on any plan affordable or not[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE]user: who can I talk to so I can get some options?[NEWLINE]agent: You can contact your loan servicer if you would like to discuss repayment plan options.[NEWLINE][BOUNDARY][NEWLINE]user: Another question regarding Eligible FFEL Program Loans. Say, which of the following loans are eligible for that repayment plan?[NEWLINE]agent: There are several loans which are eligible for the income-sensitive repayment plan, all of them listed on our website.[NEWLINE][BOUNDARY][NEWLINE]user: Got it. Another question about Say, which loans are eligible for that repayment plan we talked about?. who is my loan servicer?[NEWLINE]agent: You can find who your loan servicer­ is by logging in to "My Federal Student Aid."[NEWLINE][BOUNDARY][NEWLINE]user: I'd like to ask if in case I have loans from the FFEL Program, what are the possible income-driven repayment plan that I can choose?[NEWLINE]agent: if you want a plan your only income based payment plan option is the IBR Plan[NEWLINE][BOUNDARY][NEWLINE]user: If I give you some of my information, could you give me an estimate of how much my payments will be?[NEWLINE]agent: You can use the Loan Simulator to look at what plans you may be eligible for and see estimates for how much you would pay monthly and overall.[NEWLINE][BOUNDARY][NEWLINE]user: is all this info you're giving me for all loans?
user: Hello, I would like to know what federal payment plan you recommend me?[NEWLINE]agent: Choose a plan where payments are made easy for you.[NEWLINE]user: I need to find a payment plan that suits my needs, what do you recommend?[NEWLINE]agent: A payment plan can give them more time to pay and can also be adapted to your income.[NEWLINE]user: When selecting a payment plan, can this be modified at any instant of time?[NEWLINE]agent: Of course, they can be modified and at no cost.[NEWLINE][BOUNDARY][NEWLINE]user: I'm aware of that. But what if I have FFEL Program loans owned by the U.S. Department of Education ED? How can I modify my payment plan?[NEWLINE]agent: In that case you should contact your loan servicer.[NEWLINE][BOUNDARY][NEWLINE]user: I understand. Say, which loans are eligible for that repayment plan we talked about?[NEWLINE]agent: There are several loans which are eligible for the income-sensitive repayment plan, all of them listed on our website.[NEWLINE][BOUNDARY][NEWLINE]user: Allow me one final question: what if I have FFEL Program loans that are not owned by ED?
user: I need some help choosing the right federal student loan repayment plan that's best for me.[NEWLINE]agent: Do you want to know how you can make your payments more affordable?[NEWLINE]user: No, I already know that.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE]user: Can I change my repayment plan?[NEWLINE]agent: Yes. Although you may select or be assigned a repayment plan when you first begin repaying your student loan, you can change repayment plans at any time for free.[NEWLINE][BOUNDARY][NEWLINE]user: I understand, but have another question about the Graduated Repayment Plan.  How would monthly payments for consolidation loans be treated under this plan?[NEWLINE]agent: null[NEWLINE]user: I want to know information on how I can repay my federal perkins loan. Where can I get the information?[NEWLINE]agent: Perkins Loan repayment plan options are not the same as those for Direct Loan Program or FFEL Program loans. Check with your school for more information on Perkins Loan repayment plans.[NEWLINE][BOUNDARY][NEWLINE]user: I'd like to ask regarding federal student loan payments.[NEWLINE]agent: An income - driven repayment plan sets your monthly student loan payment at an amount that is intended to be affordable based on your income and family size. We offer four income - driven repayment plans. What exactly is a contingent plan based on income?[NEWLINE][BOUNDARY][NEWLINE]user: Got it. I'd like to ask you another question. for the federal student loan  repayment plan. How do I get my debts consolidated?[NEWLINE]agent: Do you have multiple federal student loans?
user: Hello, I would like to have more information about the delinquency of student loans and default.[NEWLINE]agent: Of course it is essential that the loans are repaid.[NEWLINE]agent: Have you missed a payment or are you having trouble making payments?[NEWLINE]user: yes[NEWLINE]agent: Immediately contact and discuss options with the organization that handles billing and other services for your loan to avoid default on your loan.[NEWLINE][BOUNDARY][NEWLINE]user: Could you please elaborate the advantages when I choose to combine my loans into a direct consolidation? Will it make my repayments more manageable?[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: What if I made the refund arrangements soon enough after my loan has gone into default? Will I be able to get out of default on my loans?[NEWLINE]agent: In that case you can resolve the breach quickly. Learn more about how to get out of default.[NEWLINE]user: and who has to declare if the loan was made under the Federal Perkins Loan Program?[NEWLINE]agent: The loan holder can declare that the loan is in default if they do not make their scheduled payment by the due date. Find out where to go to get information about your Perkins Loan.[NEWLINE][BOUNDARY][NEWLINE]user: And how can I do if I have problems to make the payment?[NEWLINE]agent: in that case there are several options available to you[NEWLINE][BOUNDARY][NEWLINE]user: and what else should i do?
user: Hello i would like to get information about Student Loan Delinquency and Default[NEWLINE]agent: of course it is important that the loans are repaid[NEWLINE]agent: Have you missed a payment or are you having trouble making payments?[NEWLINE]user: yes[NEWLINE]agent: Immediately contact and discuss options with the organization that handles billing and other services for your loan to avoid default on your loan.[NEWLINE][BOUNDARY][NEWLINE]user: Ok thanks, and in case I have problems with the monthly payments, what alternative options can I have if I have this problem?[NEWLINE]agent: one option is to change the due date of your payment[NEWLINE][BOUNDARY][NEWLINE]user: Are you aware of the words "student loan default" and "delinquency"? What resources can I use to learn more about the Federal Perkins Loan Program?[NEWLINE]agent: Contact the school where you received the loan for more details.[NEWLINE][BOUNDARY][NEWLINE]user: and could you help me to have more understanding of the 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: ok what if i have more questions?
user: Hello i would like to get information about Student Loan Delinquency and Default[NEWLINE]agent: of course it is important to understand that Loans must be repaid[NEWLINE]user: And how do I do if I have problems making payments?[NEWLINE]agent: Immediately contact and discuss options with the organization that handles billing and other services for your loan to avoid default on your loan.[NEWLINE][BOUNDARY][NEWLINE]user: When do I start repaying my consolidated loan, if any of my loans are still in the grace period?[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]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: Once I have submitted an application who do I contact if I have question about the consolidation?
user: hi i would like to get information about student loan default[NEWLINE]agent: Of course Loans must be repaid.[NEWLINE]agent: you have missed a payment or are having trouble making payments?[NEWLINE]user: yes[NEWLINE]agent: Immediately contact and discuss options with the organization that handles billing and other services for your loan to avoid default on your loan.[NEWLINE][BOUNDARY][NEWLINE]user: En relación con los contratos de préstamo, ¿cuál es su pagaré?[NEWLINE]agent: Read your promissory note. It is a legal document. Signing a promissory note means that you agree to repay the loan in accordance with the terms of the promissory note.[NEWLINE]user: I was just thinking about asking about the loan. In the Federal Perkins Loan Program, who would declare?[NEWLINE]agent: The loan holder can declare that the loan is in default if they do not make their scheduled payment by the due date.[NEWLINE][BOUNDARY][NEWLINE]user: and what should i pay?[NEWLINE]agent: It is important to pay the amount that appears on your bill and pay before the due date.[NEWLINE]user: What happens if I am behind on my student loan for more than 90 days?[NEWLINE]agent: In that case your loan servicer will report delinquencies to the top three national credit bureaus[NEWLINE]user: What if my payment is due?