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: What if I have other documentation, but it's expired? Can I still qualify?[NEWLINE]agent: Has your green card expired?[NEWLINE]user: Yes.
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][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: How do I know which student loans to accept?[NEWLINE]agent: Do you know which student loans you will want?[NEWLINE]user: No, i have not decided yet.[NEWLINE]agent: Are you considering a state, school, or private student loan?[NEWLINE]user: Yes, I have decided to consider a private student loan.
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][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: I'm aware of that. But what 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: 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]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][BOUNDARY][NEWLINE]user: and can you help me how to use 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: What 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: 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: 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][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: and how can i pay it?[NEWLINE]agent: Check with your school for more information.[NEWLINE][BOUNDARY][NEWLINE]user: What veneficio give me the plans?[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][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: I can do this with a 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: where can I see who my loan servicer is?
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][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][BOUNDARY][NEWLINE]user: 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]user: And then could I change the payment 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: 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]user: So if, for example, I am given a repayment plan, I can simply change it to another?[NEWLINE]agent: Correct. 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: How does repaying a federal perkins loan work?[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: That's good to know, thanks. So what if I have multiple federal student loans? How can I consolidate then?
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][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: My son was already assigned to a repayment plan, but he is having trouble keeping up with the payments. Can he switch to a different repayment plan?[NEWLINE]agent: Absolutely. Your son can change his repayment plan for free at any time.[NEWLINE][BOUNDARY][NEWLINE]user: How exactly does a Direct Consolidation Loan 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]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]user: 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: can you give me an idea of what my payments will look like if I give you some of my info?[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]user: Who can I go to request information on the subject?[NEWLINE]agent: It is recommended that you seek out your loan servicer if you want to discuss your payment plan options or change your payment plan.[NEWLINE][BOUNDARY][NEWLINE]user: What is the loan simulator?[NEWLINE]agent: This tool is used to get an early look at what plans you may be eligible for and see estimates of how much you would pay monthly and overall.[NEWLINE][BOUNDARY][NEWLINE]user: What differences can be found between the Perkins Loan with the Direct Loan Program?
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]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: How do I repay my federal perkins loan?[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: How do I consolidate my loans?[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: What if you made the refund arrangements soon?[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]user: And how can I get more details 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: can 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: What if I still have a delay in payment?[NEWLINE]agent: your loan may run the risk of default. Don't ignore the unpaid payments on your student loan that can have serious consequences. Learn more about how to avoid default.[NEWLINE]user: and what can happen if I don't make the payment?
user: hi i 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: Who Must Declare in 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.[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?
user: I am delinquent on a loan do I really have to pay?[NEWLINE]agent: Loans must be repaid[NEWLINE]agent: Have you missed a payment?[NEWLINE]user: I have missed a few[NEWLINE]agent: You need to talk to the organization that handles billing and other services for your loan to avoid defaulting on your loan.[NEWLINE]user: who do I contact for the Perkins loan?[NEWLINE]agent: You can contact the school where you received the loan[NEWLINE]user: and for the direct loan too?[NEWLINE]agent: Get in touch with the loan servicer[NEWLINE][BOUNDARY][NEWLINE]user: will delinquency give me a poor credit rating?[NEWLINE]agent: Yes, and if you have a poor credit rating it can be difficult to obtain credit cards or loans.[NEWLINE][BOUNDARY][NEWLINE]user: If I default who should I call to work it out?
user: I might be in loan trouble[NEWLINE]agent: You have to repay your loans[NEWLINE]agent: Are you having trouble making payments?[NEWLINE]user: yes I am[NEWLINE]agent: You should contact the organization that handles billing for your loan and discuss option with them.[NEWLINE]user: who do I contact for the direct loan program I'm in?[NEWLINE]agent: You can contact the loan servicer[NEWLINE][BOUNDARY][NEWLINE]user: when do I become delinquent?[NEWLINE]agent: Your loan becomes delinquent the first day after you miss a student loan payment,[NEWLINE]user: what if I've missed payments for about 3 months?[NEWLINE]agent: Your loan servicer will report the delinquency to the three major national credit bureaus[NEWLINE]user: what if I still can't pay everything I owe?
user: I'm not making payments on my loan[NEWLINE]agent: You need to make your loan payments.[NEWLINE]agent: Are you having trouble making payments?[NEWLINE]user: not really, just got behnd[NEWLINE]agent: Are you on the William D. Ford Federal Direct Loan Program or the Federal Family Education Loan Program?[NEWLINE]user: I have a Ford federal direct loan[NEWLINE]agent: You need to contact your loan servicer and work it out with them before you get into credit problems[NEWLINE]user: I saw something about contacting the Perkins loan servicer, is that for my situation?[NEWLINE]agent: You would contact the ECSI Federal Perkins Loan Servicer if you were on the Federal Perkins Loan Program.[NEWLINE][BOUNDARY][NEWLINE]user: when do I risk getting into default?[NEWLINE]agent: The point when a loan is considered to be in default varies depending on the type of loan you have received[NEWLINE][BOUNDARY][NEWLINE]user: what kind of help can we get because of the coronavirus?
user: I was wondering what happens if I can't pay my student loan and I'd appreciate some answers.[NEWLINE]agent: Of course. Loans must be repaid.[NEWLINE]user: Yes, but what if I have missed a payment or are having trouble making payments?[NEWLINE]agent: Then you should immediately contact and discuss options with the organization that handles billing and other services for your loan to avoid defaulting on your loan.[NEWLINE]user: What should I do next then? I'm using William D. Ford Federal Direct Loan Program.[NEWLINE]agent: In that case, contact your loan servicer.[NEWLINE]user: What if I don't know who my loan servicer is?[NEWLINE]agent: Then you'll have to call the Federal Student Aid Information Center (FSAIC) at 1-800-433-3243.[NEWLINE][BOUNDARY][NEWLINE]user: I'll give that number a call later. So, what if my loan was mistakenly put in default?[NEWLINE]agent: Do you believe your loan has been placed in default by mistake?[NEWLINE]user: Yes, pretty much.
user: What happens with student loan delinquency and default?[NEWLINE]agent: Make sure you are paying your loans because they must be repaid and not put into delinquency because of non payment.[NEWLINE]agent: Have you missed a payment or having trouble making payments?[NEWLINE]user: Yes, I have missed a payment because having trouble making payments.[NEWLINE]agent: It is important for you to contact and discuss options immediately with the organization that handles billing and other services for your loan to avoid defaulting on your loan.[NEWLINE]user: who should I contact for the Federal Perkins Loan Program?[NEWLINE]agent: You should contact the school where you received all the loan details for.[NEWLINE]user: What is happening with regards to student loans during the COVID-19 emergency?[NEWLINE]agent: All federal student loan borrowers have been automatically placed into an administrative forbearance and alllows you to stop paying monthly payments for now and no interest is being charged.[NEWLINE][BOUNDARY][NEWLINE]user: What if I have a poor credit rating?[NEWLINE]agent: It might be difficult for you to obtain things like credit cards.[NEWLINE][BOUNDARY][NEWLINE]user: What if I have defaulted on some of my federal student loans?
user: I came here to learn more a bout student loan delinquency. What can you tell me about that?[NEWLINE]agent: Of course. First of all you should be aware that loans must be repaid.[NEWLINE]agent: Have you missed a payment or are you having trouble making payments?[NEWLINE]user: No, I haven't.[NEWLINE]agent: Are you using the William D. Ford Federal Direct Loan Program or the Federal Family Education Loan Program?[NEWLINE]user: Yes, the latter.[NEWLINE]agent: In that case you should contact your loan servicer.[NEWLINE][BOUNDARY][NEWLINE]user: Will do. Say, what could a poor credit rating mean for me?[NEWLINE]agent: You may have trouble signing up for utilities, for example.[NEWLINE][BOUNDARY][NEWLINE]user: What if my loan continues to be delinquent?[NEWLINE]agent: Then the loan may go into default. The point when a loan is considered to be in default varies depending on the type of loan you received.[NEWLINE]user: I see. And what happens if I defaulted on any of my federal student loans?
user: who can get the public service loan forgiveness?[NEWLINE]agent: Are you employed by a U.S. federal, state, local, or tribal government or not-for-profit organization?[NEWLINE]user: no I'm not just doing my research[NEWLINE][BOUNDARY][NEWLINE]user: what loans don't qualify for this?[NEWLINE]agent: Loans from the Federal Family Education Loan Program, and the Federal Perkins Loan Program don't qualify. They may however, become eligible if you consolidate them into a Direct Consolidation Loan[NEWLINE][BOUNDARY][NEWLINE]user: what is needed to qualify?[NEWLINE]agent: You can answer some questions and we'll find out if you qualify.  Are you  employed by a U.S. federal, state, local, or tribal government or not-for-profit organization?[NEWLINE]user: For information purposes lets say that I am employed by them.[NEWLINE]agent: Okay, do you work full-time for the agency or organization that employs you?[NEWLINE]user: no, lets say I am a part-timer.