user: I need the counseling for a loan[NEWLINE]agent: Would you like to know more about Entrance Counseling?[NEWLINE]user: not really, I'll just do it[NEWLINE][BOUNDARY][NEWLINE]agent: Would you like to know who needs to complete this, just to make sure you need it?[NEWLINE]user: no I know I need to do it[NEWLINE][BOUNDARY][NEWLINE]agent: Would you like to know how long it will take so you don't get any surprises?[NEWLINE]user: not really, I'll just do it when I have a lot of free time[NEWLINE][BOUNDARY][NEWLINE]agent: Would you like to know what you will need to have to get started?[NEWLINE]user: tell me what I need[NEWLINE]agent: You will need your FSA ID and the name of your school.[NEWLINE][BOUNDARY][NEWLINE]user: and where do I go once I'm ready to do this?


user: What exactly is Entrance Counseling?[NEWLINE]agent: Do you want to know what Entrance Counseling is pertaining to federal student aid?[NEWLINE]user: No, more for Direct Loan.[NEWLINE][BOUNDARY][NEWLINE]agent: Do you know who should complete the entrance counseling?[NEWLINE]user: No, not sure if I need to or not?[NEWLINE][BOUNDARY][NEWLINE]agent: Do you know how long it will take you to complete?[NEWLINE]user: No, I have no idea how long this Entrance Counseling takes me.[NEWLINE][BOUNDARY][NEWLINE]agent: Do you know what you need for the Entrance Counseling?[NEWLINE]user: No, I have not been told about the needs of Entrance Counseling.[NEWLINE][BOUNDARY][NEWLINE]user: What is the fulfillment for Entrance Counseling?


user: Can you explain what Entrance Counseling is that is offered through Federal Student Aid?[NEWLINE]agent: Are you interested in partaking of the service known as Entrance Counseling?[NEWLINE]user: Yes, I would like to know more about it and is it suits would like to avail of the service[NEWLINE]agent: Have you previously received a Direct Loan or Federal Family Education Loan, known as an FFEL?[NEWLINE]user: No I haven't ever received loans in this way before[NEWLINE]user: What does entrance counseling do for me if I am borrowing as an undergraduate student?[NEWLINE]agent: Entrance Counseling fulfills any counseling requirements that arise for Direct Subsidized Loans and Direct Unsubsidized Loans[NEWLINE]user: Is Entrance Counseling and it's process standardized across all schools?[NEWLINE]agent: Each school may have different entrance counseling requirements. You would need to check with your school's financial aid office to become au fait with their procedures. You would also need to confirm if the counseling available on this website will satisfy your school for their entrance counseling requirements[NEWLINE]user: And how do I find out for definite if my school's entrance counseling requirements are covered off by this website?


user: Hello there, I have a few questions about entrance counseling. Perhaps you can answer them for me.[NEWLINE]agent: Gladly. Do you want to know what entrance counseling is?[NEWLINE]user: Sure, let's start with that.[NEWLINE]agent: Did you NOT previously receive a Direct Loan or Federal Family Education Loan (FFEL)?[NEWLINE]user: No, I have received one.[NEWLINE]user: So, what if I am completing entrance counseling to borrow a loan as an undergraduate student?[NEWLINE]agent: In that case the entrance counseling will fulfill counseling requirements for Direct Subsidized Loans and Direct Unsubsidized Loans.[NEWLINE]user: Makes sense. I have the website open in another tab, do I have to log in?[NEWLINE]agent: Yes, you have to log in to start.[NEWLINE]user: Alright, I'm logged in now. Can you tell me anything about counseling requirements, while we're talking about this?


user: Hello there, I have some questions about entrance counseling.[NEWLINE]agent: Of course. Do you want to know what entrance counseling is?[NEWLINE]user: Yes, I do.[NEWLINE]agent: Did you NOT previously receive a Direct Loan or Federal Family Education Loan (FFEL)?[NEWLINE]user: Yes, I didn't receive such a loan.[NEWLINE]agent: In that case the Federal Government requires you to complete entrance counseling to ensure that you understand the responsibilities and obligations you are assuming.[NEWLINE]user: Ah, so that is what entrance counseling is for. Well, what if I'm completing entrance counseling to borrow a loan as an undergraduate student?[NEWLINE]agent: Then the entrance counseling will fulfill counseling requirements for Direct Subsidized Loans and Direct Unsubsidized Loans.[NEWLINE][BOUNDARY][NEWLINE]user: Makes sense. And how long is this supposed to take?[NEWLINE]agent: The entire counseling process must be completed in a single session. Most people complete counseling in 20 - 30 minutes.[NEWLINE][BOUNDARY][NEWLINE]user: I see, where can I find more information about that?


user: Hello there, I'm not a citizen of the United States butI have some questions about student aid. Can you answer them please?[NEWLINE]agent: Of course. Don't assume you can't get aid just because you're not a citizen.[NEWLINE][BOUNDARY][NEWLINE]user: What if I'm living on Swains Island?[NEWLINE]agent: U.S. national includes natives of American Samoa or Swains Island, for example.[NEWLINE][BOUNDARY][NEWLINE]user: That's good to know. And what should I do if my green card has expired?[NEWLINE]agent: Well, this doesn't necessarily mean that your status as a legal permanent resident has expired. You might just need to renew the card. Be sure to do so promptly![NEWLINE][BOUNDARY][NEWLINE]user: When am I considered NOT an eligible noncitizen, and can not receive federal student aid?[NEWLINE]agent: Do you have only a Notice of Approval to Apply for Permanent Residence I-171 or I-464?[NEWLINE]user: No, I don't.[NEWLINE]agent: Are you in the U.S. on an F-1 or F-2 nonimmigrant student visa, or on a J-1 or J-2 nonimmigrant Exchange Visitor Visa?[NEWLINE]user: No.[NEWLINE]agent: Do you hold a G series visa pertaining to international organizations?[NEWLINE]user: No, I don't.


user: Hello. I'm not from the U.S. and was wondering if I can still get student aid.[NEWLINE]agent: Of course. Don't assume you can't get aid just because you're not a citizen.[NEWLINE][BOUNDARY][NEWLINE]user: When am I NOT an eligible noncitizen and can not receive federal student aid?[NEWLINE]agent: Do you have only a Notice of Approval to Apply for Permanent Residence I-171 or I-464?[NEWLINE]user: Yes, I do.[NEWLINE]agent: Then I'm afraid you're not an eligible noncitizen and can not receive federal student aid.[NEWLINE][BOUNDARY][NEWLINE]user: Well, that sucks. And what if my documentation shows that I am a Cuban-Haitian entrant?[NEWLINE]agent: In that case you are still an eligible noncitizen even if the expiration date has passed.[NEWLINE][BOUNDARY][NEWLINE]user: What about citizens of Micronesia?[NEWLINE]agent: Citizens of the Federal States of Micronesia and the Republic of the Marshall Islands are eligible for Federal Pell Grants only.[NEWLINE][BOUNDARY][NEWLINE]user: Alright, I get it. What if my permanent residence status has expired?


user: can non-citizens get financial aid for college?[NEWLINE]agent: You might be eligible for some aid, don't assume you can't get financial aid just because you are not a citizen[NEWLINE][BOUNDARY][NEWLINE]user: If I'm here because of DACA what do I answer for citizenship on the FAFSA application?[NEWLINE]agent: You must answer No, I am not a citizen or eligible noncitizen when asked if you are a U.S. citizen[NEWLINE][BOUNDARY][NEWLINE]user: What other documents can we use to know if we are eligible?[NEWLINE]agent: Do you know if you are an eligible noncitizen?[NEWLINE]user: I think I'm not eligible[NEWLINE]agent: Do you have only a Notice of Approval to Apply for Permanent Residence I-171 or I-464?[NEWLINE]user: yes, I read about that, that is why I said I think I'm not eligible[NEWLINE]agent: You are not an eligible noncitizen and can not receive federal student aid.[NEWLINE][BOUNDARY][NEWLINE]user: what if I had an expired document like a green card, will that work even if it's expired?


user: I'm from outside the U.S., can I still apply for student aid?[NEWLINE]agent: Of course. Don't assume you can't get aid just because you're not a citizen.[NEWLINE][BOUNDARY][NEWLINE]user: When am I NOT an eligible noncitizen and can not receive federal student aid?[NEWLINE]agent: Do you have only a Notice of Approval to Apply for Permanent Residence I-171 or I-464?[NEWLINE]user: No, I don't.[NEWLINE]agent: Are you in the U.S. on an F-1 or F-2 nonimmigrant student visa, or on a J-1 or J-2 nonimmigrant Exchange Visitor Visa?[NEWLINE]user: Yes, that'd be the case.[NEWLINE]agent: Then I'm afraid you're not an eligible noncitizen and can not receive federal student aid.[NEWLINE][BOUNDARY][NEWLINE]user: Wait. If I'm not an eligible noncitizen, can I get any type of financial aid to study in the U.S.? Anything?[NEWLINE]agent: Ask the college or career school you plan to attend whether they offer any aid for students like you.[NEWLINE][BOUNDARY][NEWLINE]user: In which case would that be possible?


user: I'm from outside the U.S. and I need student aid. What can you do for me?[NEWLINE]agent: First of all you should never assume you can't get aid just because you're not a citizen.[NEWLINE][BOUNDARY][NEWLINE]user: Great. So I can get student aid even if I'm not an eligible non-citizen?[NEWLINE]agent: Yes, there may be some scholarships and other aid you can get.[NEWLINE][BOUNDARY][NEWLINE]user: When am I considered an eligible non-citizen then?[NEWLINE]agent: When you are a U.S. national, for example. This includes natives of American Samoa or Swains Island.[NEWLINE][BOUNDARY][NEWLINE]user: What if the expiration date on my documents has passed?[NEWLINE]agent: Has your green card expired?[NEWLINE]user: Yes, it seems so.[NEWLINE]agent: That doesn't necessarily mean that your status as a legal permanent resident has expired.[NEWLINE]user: Can I just renew it somehow?


user: Do non-US citizens ever qualify for federal student aid?[NEWLINE]agent: Yes, many non-citizens get financial aid.[NEWLINE][BOUNDARY][NEWLINE]user: Will I need to complete a FAFSA form if I have been granted DACA?[NEWLINE]agent: Always check with your high school counselor or financial aid office to see whether completing a FAFSA form is the way to apply for state and college student aid.[NEWLINE]agent: Do you know what you need to start your FAFSA form?[NEWLINE]user: Yes, I know what I need to fill out my FAFSA form.[NEWLINE]agent: Great then you know you must enter your Social Security number.[NEWLINE][BOUNDARY][NEWLINE]user: What happens if I were a citizen of the Federated States of Micronesia, the Republic of the Marshall Islands, or the Republic of Palau?[NEWLINE]agent: If this is the case then you may be eligible for only certain types of federal student aid.[NEWLINE]user: What if I am a parolee?[NEWLINE]agent: If a parolee then you have to be paroled for no less than a year and must provide evidence from the USCIS that you are in the US for other than a temporary purpose with the intention of becoming a US citizen or permanent resident.[NEWLINE][BOUNDARY][NEWLINE]user: If I am not an eligible noncitizen can I still get some type of aid to study in the US?


user: Is it possible to qualify for FSA if I am a non-US citizen?[NEWLINE]agent: Yes, it is. You should never assume that you do not qualify for aid[NEWLINE][BOUNDARY][NEWLINE]user: Where will I find out more information about eligible noncitizen status in relation to FSA?[NEWLINE]agent: Your school's financial aid office will have the information that you need[NEWLINE][BOUNDARY][NEWLINE]user: Are there reasons why I could not receive financial aid as a noncitizen?[NEWLINE]agent: One of the ways that you can't recieve aid as a noncitizen is if you only have a Notice of Approval to Apply for Permanent Residence I-171 or I-464[NEWLINE]user: No I don't[NEWLINE]agent: Are you currently in the US on an F-1 or F-2 nonimmigrant student visa, or on a J-1 or J-2 nonimmigrant Exchange Visitor Visa?[NEWLINE]user: Yes, I am in that category[NEWLINE]agent: null[NEWLINE][BOUNDARY][NEWLINE]user: Can I qualify for FSA if I am a citizen of the Federated States of Micronesia, the Republic of the Marshall Islands or the Republic of Palau?


user: I'm not a U.S. citizen and need to know if I qualify for financial aid.[NEWLINE]agent: I can help you with that. Many people are under the assumption that non citizens are ineligible for financial aid, but this is not true.[NEWLINE][BOUNDARY][NEWLINE]user: What if I find out that I'm not eligible? How can I get financial aid to study in the U.S.?[NEWLINE]agent: There are other options for aid that you may qualify for. First, try checking with your country's embassy or a consulate here in the U.S. to see if they can offer you any assistance.[NEWLINE][BOUNDARY][NEWLINE]user: What would disqualify me from being eligible for financial aid?[NEWLINE]agent: Do you have only a Notice of Approval to Apply for Permanent Residence I-171 or 1-464?[NEWLINE]user: No. I don't have that.[NEWLINE]agent: 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: No. That doesn't apply to me either.


user: Hello, what are the requirements for federal aid for students in the US?[NEWLINE]agent: Aid is being given to the majority of students who apply for such funding.[NEWLINE][BOUNDARY][NEWLINE]user: What does it mean that I am not an eligible citizen?[NEWLINE]agent: You do not qualify for aid, you only have a Notice of Approval to apply for permanent residence.[NEWLINE]user: How long does it take to approve permanent residence?[NEWLINE]agent: There are several types of student visas, which one do you have?[NEWLINE]user: What are the types of visas you mention?[NEWLINE]agent: If you have a G-series visa belonging to international organizations or another visa.[NEWLINE]user: I have a G series visa belonging to international organizations.[NEWLINE]agent: You are not a citizen eligible for federal aid.[NEWLINE][BOUNDARY][NEWLINE]user: Why is it that I am not eligible, perhaps because I am a citizen of another country?


user: Hello, can you tell me if foreign students can qualify for federal aid?[NEWLINE]agent: Sure, it all depends on the case.[NEWLINE][BOUNDARY][NEWLINE]user: If I am granted DACA, am I eligible for the aid?[NEWLINE]agent: It is noteworthy that undocumented students, including DACA beneficiaries, are not eligible for aid but may seek other options.[NEWLINE][BOUNDARY][NEWLINE]user: Can you give me more information than what you just told me?[NEWLINE]agent: Sure, you may be eligible for certain federal student aid.[NEWLINE][BOUNDARY][NEWLINE]user: Can you let me know if my parents' immigration status affects my eligibility for help?[NEWLINE]agent: In this case it would not affect your help request for any reason.[NEWLINE]user: Perfect, and what else can you do for me?[NEWLINE]agent: These processes are free, you must search for information on these procedures.[NEWLINE][BOUNDARY][NEWLINE]user: Under what conditions would you not be eligible for federal aid?[NEWLINE]agent: It all depends on approval for you to be eligible.[NEWLINE]user: What if I only have a Notice of Approval to apply for permanent residence?[NEWLINE]agent: Then you are not eligible in that case.[NEWLINE][BOUNDARY][NEWLINE]user: Should I answer all the questions on the form?


user: I need grants help[NEWLINE]agent: We can help you learn more about the grant programs that are available from the U.S. Department of Education[NEWLINE][BOUNDARY][NEWLINE]user: who will collect if I have to pay a grant back?[NEWLINE]agent: If you enter into a satisfactory repayment arrangement, the school may assign the debt to ED for collection or may keep the debt and allow you to make payments directly to the school.[NEWLINE][BOUNDARY][NEWLINE]user: will I for sure have to pay my grant back since I dropped out?[NEWLINE]agent: You might have to repay all or part of a federal grant if you withdrew early from the program for which the grant was given to you[NEWLINE][BOUNDARY][NEWLINE]user: who can get a grant?[NEWLINE]agent: Most of our grants are awarded only to students with financial need[NEWLINE]agent: Are you interested in our grants?[NEWLINE]user: yes I am[NEWLINE]agent: You can start by submitting a Free Application for Federal Student Aid FAFSA form[NEWLINE][BOUNDARY][NEWLINE]user: what are these grants about?


user: dfsgsf[NEWLINE]agent: dfsf[NEWLINE][BOUNDARY][NEWLINE]user: vcxber[NEWLINE]agent: To get detailed information about this, is better if you visit each of the grants listed above lo learn about eligibility and the requirements.[NEWLINE][BOUNDARY][NEWLINE]user: Ok, I See... But when I will have to repay this loans?[NEWLINE]agent: The repayment of your grant will depends of different scenarios.[NEWLINE][BOUNDARY][NEWLINE]user: Ok, I get it. And there is any special condition that could help me to get this kind of aid?[NEWLINE]agent: Well, not really. But most of our grants listed above are awarded only to students with financial needs.[NEWLINE]agent: Are you interested just in a federal grants?[NEWLINE]user: I would like to, but I think is just a possibility.[NEWLINE]agent: have you already received federal aid before?[NEWLINE]user: Yes I have already received some help before for my education.


user: What are federal grants that are available to students through the FSA?[NEWLINE]agent: You can learn what grants programs there are and what grants are available from the US Department of Education on this website[NEWLINE][BOUNDARY][NEWLINE]user: Is there any situation where I may have to repay a grant that I receive through the FSA>[NEWLINE]agent: There are a few examples of this, one of them being if you received an outside scholarship or grant which reduced your reliance on federal student aid[NEWLINE]user: Are there any other examples whereby I would have to repay a grant that I received through the FSA?[NEWLINE]agent: There are a number of examples, which I can go through with you now if you have the time[NEWLINE][BOUNDARY][NEWLINE]user: How do I become eligible for a grant through the FSA?[NEWLINE]agent: To begin with, most of the grants that are awarded go to students that have a financial need[NEWLINE]agent: Are you interested in applying for a grant through the FSA?[NEWLINE]user: Not at the moment, no[NEWLINE]agent: Do you wish to continue receiving student aid throughout your years of study?


user: I came here hoping you could tell me a few things about federal grants.[NEWLINE]agent: Of course. Here you can learn about the grant programs that are available from the U.S. Department of Education.[NEWLINE][BOUNDARY][NEWLINE]user: Alright, let me ask you this then: How can I maintain my eligibility for my grant?[NEWLINE]agent: The requirements for remaining eligible to receive a grant vary from program to program. Please visit the individual page relevant to your specific grant to ensure that you meet the requirements for maintaining eligibility for that program.[NEWLINE][BOUNDARY][NEWLINE]user: Will do, thank you for explaining. What about grant repayment?[NEWLINE]agent: Your school will notify you if you must repay part of your grant. From that point, you will have 45 days to either pay that portion of the grant back in full or enter into a satisfactory repayment arrangement.[NEWLINE]agent: Have you entered into a satisfactory repayment arrangement?[NEWLINE]user: No, I haven't.[NEWLINE][BOUNDARY][NEWLINE]user: How can I continue to receive federal student aid?[NEWLINE]agent: Simply fill out the FAFSA form every year you're in school.[NEWLINE][BOUNDARY][NEWLINE]user: When will I have to repay a grant?


user: What are federal grants used for?[NEWLINE]agent: The federal grants are used to help pay for college and are available from the US Department of Education.[NEWLINE]user: Are their certain times a grant may have to be repaid?[NEWLINE]agent: Yes, sometimes if you withdraw from school before finishing an enrollment period or if you receive a TEACH Grant and do not complete your obligation then you may have to pay a grant back.[NEWLINE][BOUNDARY][NEWLINE]user: What will happen if I do not fulfill my service obligations under a TEACH Grant?[NEWLINE]agent: Your TEACH Grant servicer will notify you if your grants are converted to Direct Unsubsidized Loans and you must then repay the loans to ED with interest added on from the date your TEACH Grant was disbursed.[NEWLINE]user: How will I know if I have to repay a grant?[NEWLINE]agent: The school you attend will notify you if you have to repay part of a grant and you will have 45 days to either pay that portion of the grant in full or begin a repayment arrangement.[NEWLINE]agent: Did you enter into a satisfactory repayment arrangement?[NEWLINE]user: No, I have not entered into a satisfactory repayment.[NEWLINE][BOUNDARY][NEWLINE]user: Are there some reasons I might have to repay all or part of a federal grant?


user: Tell me about the federal grants, please[NEWLINE]agent: Please, learn about the grant programs that are available from the U.S. Department of Education[NEWLINE][BOUNDARY][NEWLINE]user: When do I have to repay a grant?[NEWLINE]agent: See some examples of why you might have to repay all or part of a federal grant[NEWLINE][BOUNDARY][NEWLINE]user: What is a grant repayment?[NEWLINE]agent: Your school will notify you if you have repay part of your grant and from that point, you will have 45 days to either pay that portion of the grant back in full or enter into a satisfactory repayment arrangement[NEWLINE]user: What happens if I enter into a satisfactory repayment arrangement?[NEWLINE]agent: In that case,  the school may assign the debt to ED for collection or may keep the debt and allow you to make payments directly to the school[NEWLINE]user: Can you repeat what happens if I enter into a satisfactory repayment arrangement?[NEWLINE]agent: Sure. As I said before, Your school will notify you if you have repay part of your grant and from that point, you will have 45 days to either pay that portion of the grant back in full or enter into a satisfactory repayment arrangement[NEWLINE]agent: Have you carried out one of the options described above?[NEWLINE]user: Yes, I did it.


user: I have a few questions about federal grants.[NEWLINE]agent: I'll be happy to help you learn about federal grant programs that are available from the U.S. Dept. of Education.[NEWLINE][BOUNDARY][NEWLINE]user: What happens if I receive outside grants that reduce my need for federal student aid?[NEWLINE]agent: You may end up having to repay the grant.[NEWLINE][BOUNDARY][NEWLINE]user: What are the different types of grants offered?[NEWLINE]agent: The U.S. Department of Education(ED) offers a variety of federal grants to students attending colleges or career schools.[NEWLINE][BOUNDARY][NEWLINE]user: How do I know if I need to repay a grant?[NEWLINE]agent: Your school is responsible for notifying you, if you need to repay part your grant. You will then have 45 days to repay the grant or enter into a repayment arrangement.[NEWLINE]agent: Are you currently entered into a repayment arrangement for a grant?[NEWLINE]user: No, I'm not.[NEWLINE][BOUNDARY][NEWLINE]user: Do all grants have to either be partially or fully repaid?


user: Hello, what is the federal grant please?[NEWLINE]agent: It is important that you search for information related to the grant programs available from the US Department of Education.[NEWLINE][BOUNDARY][NEWLINE]user: What requirements are needed to apply for the TEACH Grant?[NEWLINE]agent: Program admi[NEWLINE][BOUNDARY][NEWLINE]user: I wonder what it means to return a grant?[NEWLINE]agent: This process is primarily about having to pay all or part of a federal grant.[NEWLINE][BOUNDARY][NEWLINE]user: Can you tell me what is the Grant Eligibility?[NEWLINE]agent: This case applies are granted only to students with financial needs.[NEWLINE]agent: Now I ask you if you are interested in our grants.[NEWLINE]user: What are the grant plans?[NEWLINE]agent: Do you want to apply for another type of financial aid?[NEWLINE][BOUNDARY][NEWLINE]user: I wonder if the grant can be repaid?


user: What happens if I have been told I can't get federal student aid any more?[NEWLINE]agent: It is possible to get back your eligibility for financial aid.[NEWLINE][BOUNDARY][NEWLINE]user: My grades slipped and the financial aid office told me I am not able to get federal student aid, why?[NEWLINE]agent: In order to get financial aid you need to have satisfactory academic progession to keep your federal student aid and it is best to talk to your school and see if you can appeal the decision that made you unable to continue getting federal student aid.[NEWLINE][BOUNDARY][NEWLINE]user: I was convicted of a drug offense but now want to get more federal student aid, is this possible?[NEWLINE]agent: Have you lost eligibility due to conviction of the drug offense?[NEWLINE]user: No, I have not lost eligibility yet.[NEWLINE][BOUNDARY][NEWLINE]user: What happens if I was an eligible noncitizen but my status has been expired or revoked?[NEWLINE]agent: It isn't bad at all, all you have to do is get the status reinstated that made you an eligible noncitizen or become a permanent resident to receive the federal student aid.[NEWLINE][BOUNDARY][NEWLINE]user: What if I happened to be convicted of or pled guilty to a crime involving fraud to receive federal student aid funds?


user: What if someone has been told they no longer can get federal student aid?[NEWLINE]agent: In most situations there are things you can do to get back your eligibility.[NEWLINE][BOUNDARY][NEWLINE]user: Is it possible to get federal student aid funds if I have been convicted or pled guilty to a crime involving fraud to get federal student aid?[NEWLINE]agent: You will absolutely have to repay the funds to the US Department of Education or to the federal student loan holder or servicer.[NEWLINE][BOUNDARY][NEWLINE]user: How does one think they got a high school diploma but they actually don't have one?[NEWLINE]agent: This may occur because your high school is a diploma mill that charges a student a fee and requires him or her to complete little or no course work to get the diploma.[NEWLINE][BOUNDARY][NEWLINE]user: What happens if I accidentally received more federal student loan or grant money than I was supposed to receive?[NEWLINE]agent: In this case you would need to repay the amount that was given above the maximum you were allowed to receive by repaying it all at once or make arrangements to repay some at a time.[NEWLINE]agent: Do you have questions about repaying aid or getting additional aid?[NEWLINE]user: Yes, I have questions.[NEWLINE]agent: Then you should talk to the school financial aid office staff.[NEWLINE][BOUNDARY][NEWLINE]user: I have a property subject to a judgment lien, what do I do?[NEWLINE]agent: Did you receive the judgment lien?[NEWLINE]user: Yes, I received the judgment lien.


user: I have been told that I can't receive student aid anymore. What can I do?[NEWLINE]agent: In most circumstances, there are things you can do to get back your eligibility for financial aid.[NEWLINE][BOUNDARY][NEWLINE]user: Oh, that's relieving. What if I thought I had a high school diploma, but it turns out that I actually don't?[NEWLINE]agent: Well, this situation might arise if, for instance, your high school is a diploma mill a school that charges a student a fee and requires him or her to complete little or no course work to get the diploma.[NEWLINE]user: So some of the paid schools that offer me a diploma, don't actually count, right?[NEWLINE]agent: Correct.[NEWLINE]user: What if I thought I had a high school diploma, but it turns out that I actually don't?[NEWLINE]agent: Well, this situation might arise if, for instance, your high school is a diploma mill a school that charges a student a fee and requires him or her to complete little or no course work to get the diploma.[NEWLINE]agent: Do you NOT have a high school diploma or an equivalent such as a General Educational Development GED certificate?[NEWLINE]user: Yes, I don't have a high school diploma.[NEWLINE]agent: Then you'll need to talk to the financial aid office at your school to find out what to do.[NEWLINE][BOUNDARY][NEWLINE]user: What if I've lost eligibility, because I have been charged for drug possession?


user: Am I able to get  federal student aid any more, if I was told I can't get it?[NEWLINE]agent: It could be possible if you do the things that will make you eligible again for financial aid.[NEWLINE][BOUNDARY][NEWLINE]user: What will happen if I have property subject to a judgment lien?[NEWLINE]agent: Do you have property subject to a judgment lien for a debt owed t the United States?[NEWLINE]user: Yes, I have property subject to a judgment lien for debt owed to the United States.[NEWLINE]agent: You would have to pay your debt in full or you can make payment arrangements to pay the debt.[NEWLINE][BOUNDARY][NEWLINE]user: What is the best thing to do if I have been told I was not able to get federal student aid any more?[NEWLINE]agent: It is in your best interest to talk to your financial aid office and we also can provide some tips on how to get your eligibility back.[NEWLINE][BOUNDARY][NEWLINE]user: Who should I talk to regarding repaying aid or getting additional aid?[NEWLINE]agent: You should talk to the financial aid office at your school.[NEWLINE][BOUNDARY][NEWLINE]user: Who should I be in contact with for info about reinstating my status of noncitizen eligibility of student aid?


user: I have been informed that I can no longer receive any federal student aid, is there anything I can do?[NEWLINE]agent: Yes, there are some things that you can do to get back your eligibility and I can go through these with you now[NEWLINE][BOUNDARY][NEWLINE]user: Am I eligible to get further financial aid if I have a drug conviction?[NEWLINE]agent: Have you been informed that you are no longer eligible for federal student aid because of a drug conviction?[NEWLINE]user: No, I am not currently in this situation[NEWLINE][BOUNDARY][NEWLINE]user: Who do I consult if I have questions surrounding the repayment of federal student aid or if I want to receive further aid?[NEWLINE]agent: Your first port of call will be the financial aid office at your school, the staff there will be able to help you[NEWLINE][BOUNDARY][NEWLINE]user: Am I eligible for federal student aid if I am incarcerated?[NEWLINE]agent: Incarceration affects your eligibility for federal student aid in a number of different ways[NEWLINE]user: What happens if I am ineligible for a particular type of student aid due to my incarceration?


user: hi[NEWLINE]agent: hi[NEWLINE][BOUNDARY][NEWLINE]user: hi[NEWLINE]agent: hi[NEWLINE][BOUNDARY][NEWLINE]user: hi[NEWLINE]agent: hi[NEWLINE][BOUNDARY][NEWLINE]user: hi[NEWLINE]agent: hi[NEWLINE][BOUNDARY][NEWLINE]user: Oh, right, right. I guess it's kind of a dumb question, but is the same with a bad financial situation, like a default, isn't?[NEWLINE]agent: You're right. An unstable financial condition like a default would disable you to get any federal aid, so you would need to get rid of that default before you can receive federal funds.[NEWLINE][BOUNDARY][NEWLINE]user: And that would apply for something even more rash, like a property subject to a judgement lien?[NEWLINE]agent: Do you have such a situation active?[NEWLINE]user: Well in fact, i do have one situation of that kind. What to do?


user: Hello there, i'm having some issues with my finanial aid. It looks like i can't get any more, could you help me?[NEWLINE]agent: IF you have been warned about your aid funding will be cut off, then you must know there are ways to keep it maintaining your eligibility.[NEWLINE]user: But, why i'm being screened out of that aid, can you tell me?[NEWLINE]agent: well, most of the cases, is because you lost your eligibility status for reasons such low grades or no longer being enrolled in a  college.[NEWLINE][BOUNDARY][NEWLINE]user: Oh, i see, but what about a possible incarceration?[NEWLINE]agent: Well, being incarcerated is obviously a bad thing...If that happens to you, then you'll have to get out from jail, before you can get your aid back.[NEWLINE]agent: are clear in what happens if your're incarcerated?[NEWLINE]user: Not much, but i get the main idea, thanks.[NEWLINE][BOUNDARY][NEWLINE]user: And what about if i'm foreign but have my documents expired?[NEWLINE]agent: Then you should regain your status before getting any aid.[NEWLINE]agent: Do you know where to go for information about it?


user: I need help. I'm being told that I don't qualify for federal student aid anymore.[NEWLINE]agent: Don't panic. There are things that you can do to get your federal student aid back.[NEWLINE][BOUNDARY][NEWLINE]user: I was eligible for aid as a non-citizen, but my status was revoked. What should I do?[NEWLINE]agent: There are two ways that you can get your federal student aid back. You can either have your status reinstated or become a citizen or permanent resident.[NEWLINE]agent: Would you like more information about this?[NEWLINE]user: Yes, definitely.[NEWLINE]agent: Okay. The U.S. Citizenship and Immigration Services will be able to help you with this.[NEWLINE][BOUNDARY][NEWLINE]user: What do I do if I don't have a high school diploma?[NEWLINE]agent: This has been a problem for students whose high school was a diploma mill that charged them fees, but required little coursework in return for a diploma.[NEWLINE]agent: Do you have a GED?[NEWLINE]user: Yes, I do.


user: I am concerned because I have been told that I can no longer get federal student aid[NEWLINE]agent: Don't worry, there are things you can do to get back your eligibility for financial aid[NEWLINE][BOUNDARY][NEWLINE]user: What if I don't have a high school diploma[NEWLINE]agent: In that case, you need to talk to the financial aid office at your school to find out what to do[NEWLINE][BOUNDARY][NEWLINE]user: I'm incarcerated.Is that a problem to get aid?[NEWLINE]agent: Yes, your incarceration affects your eligibility for different types of aid in different ways[NEWLINE]agent: Have you been informed that you are ineligible for a particular type of student aid due to your incarceration?[NEWLINE]user: Yes, indeed[NEWLINE]agent: Well, you need to wait until you're released before you can get that type of aid[NEWLINE][BOUNDARY][NEWLINE]user: What can I do?[NEWLINE]agent: You need talk to your financial aid office about the circumstances that cause you to lose eligibility. Read our tips below.[NEWLINE][BOUNDARY][NEWLINE]user: What if my grades are low or I have not completed enough credits and my financial aid office told me that I cannot get federal student aid?


user: What is the best plan for accepting financial aid for college?[NEWLINE]agent: Best plan is to accept financial aid funds you don't have to pay back.[NEWLINE]agent: Did you school financial aid office send you an aid offer?[NEWLINE]user: No, I have not received an aid offer from the college I want to go to.[NEWLINE][BOUNDARY][NEWLINE]user: What is the best advice to keep in mind when I do get a financial aid offer and want to decide is the best offer?[NEWLINE]agent: You should always accept free money first such as scholarships and grants.[NEWLINE][BOUNDARY][NEWLINE]user: What should I do about receiving a paper aid offer?[NEWLINE]agent: You most likely will have to sign it and mail it back to the school.[NEWLINE]user: What if I take a loan out from the Direct Loan Program?[NEWLINE]agent: If you will be taking a loan from the Direct Loan Program then the U.S. Department of Education will be your lender.[NEWLINE][BOUNDARY][NEWLINE]user: What are the best ways to decide what student loans to accept?


user: I have some questions about accepting financial aid.[NEWLINE]agent: Of course. First, accept the financial aid funds you don't have to pay back.[NEWLINE]agent: Has your school financial aid office sent you an aid offer?[NEWLINE]user: No, they didn't.[NEWLINE][BOUNDARY][NEWLINE]user: So which form of aid is the best to accept?[NEWLINE]agent: Free money first e.g., scholarships, grants, it depends on the situation.[NEWLINE][BOUNDARY][NEWLINE]user: Should I remember something?[NEWLINE]agent: Yes, always remember.[NEWLINE]user: What if I must accept loans?[NEWLINE]agent: In that case you should accept the ones with the most favorable terms and conditions. That means choosing the federal student loans offered to you.[NEWLINE]user: What if I don't accept the full amount  of the loan I'm eligible for?


user: I'm on the edge about accepting student aid. Should I?[NEWLINE]agent: First, you should accept the financial aid funds you don't have to pay back.[NEWLINE]agent: Has your school financial aid office sent you an aid offer?[NEWLINE]user: Yes, they did. That's why I'm wondering about this.[NEWLINE]agent: Then they'll ask you to indicate which financial aid you want. Look carefully at your options and make an informed decision.[NEWLINE][BOUNDARY][NEWLINE]user: What should I keep in mind when deciding on accepting an aid?[NEWLINE]agent: You should always accept free money first e.g., scholarships, grants.[NEWLINE]user: What else can you tell me about this topic?[NEWLINE]agent: Keep the following in mind when you get an aid offer and are deciding which aid is the best to accept.[NEWLINE][BOUNDARY][NEWLINE]user: I see. And what if I have to accept loans?[NEWLINE]agent: In that case you should accept the ones with the most favorable terms and conditions. Usually, that means choosing the federal student loans offered to you.[NEWLINE][BOUNDARY][NEWLINE]user: Alright, that is some sound advice. And what do I agree to by signing the promissory note?


user: Hi, I need help in the financial area.[NEWLINE]agent: Follow these steps, accept financial aid funds.[NEWLINE]agent: Also, apply to your school's financial aid office.[NEWLINE]user: What offers do they give at school?[NEWLINE][BOUNDARY][NEWLINE]user: Where can I verify student aid amounts?[NEWLINE]agent: Fill in the online form to request help[NEWLINE]user: Is it possible to make a paper offer of help?[NEWLINE]agent: follow the steps and send the information by mail[NEWLINE][BOUNDARY][NEWLINE]user: Report the types of loans they offer?[NEWLINE]agent: At school they must manage that information[NEWLINE][BOUNDARY][NEWLINE]user: Que oficinas puedo recurrir para buscar la informacion?


user: I need some guidance on what financial aid I should accept.[NEWLINE]agent: I'll be happy to help you with this. To start, you should always accept financial aid funds that do not have to be paid back.[NEWLINE]agent: Have you received an aid offer from your school financial aid office?[NEWLINE]user: Yes, I have.[NEWLINE]agent: Excellent. It's very important to carefully review all your options, so that you can make an informed decision.[NEWLINE][BOUNDARY][NEWLINE]user: What are some things I should be thinking about when choosing what aid to accept?[NEWLINE]agent: Your number one goal should be to accept the aid that best fits your needs.[NEWLINE][BOUNDARY][NEWLINE]user: How do I know how much loan money to accept?[NEWLINE]agent: You will need to make a budget that covers your college tuition and living expenses, so that you only borrow what you need.[NEWLINE]user: How do I decide which loans I need to accept?[NEWLINE]agent: Your goal should be to accept the loans with the most favorable terms and conditions. These are usually your federal student loans.[NEWLINE][BOUNDARY][NEWLINE]user: I've heard that some schools offer interest free tuition payment plans. Is this true?


user: How do I go about accepting Student financial aid?[NEWLINE]agent: The process begins with you accepting the funding that you don't have to pay back[NEWLINE]agent: Has your school sent you any correspondence in relation to an aid offer?[NEWLINE]user: No, I haven't received anything from my school in this regard[NEWLINE][BOUNDARY][NEWLINE]user: Is there any help you can give me in making an effective budget regarding borrowings that I will need for my education?[NEWLINE]agent: Yes, we have advice on budgets available to all applicants[NEWLINE]user: What if I discover that my living expenses are not going to be as high as has been estimated by my school, do I have to accept all the loan that has been given to me?[NEWLINE]agent: You are entitled to turn down any loan that is provided or even to request a lower amount of borrowing. Your school will be able to help you with this query, should it arise[NEWLINE][BOUNDARY][NEWLINE]user: Do schools have specific financial plans in place for students that re attending the school?[NEWLINE]agent: Yes, a lot of schools have tuition payment plans, these are monthly interest-free payments towards tuition. These plans can help in reducing the amount of borrowing you need. The financial aid office in your school will have more details[NEWLINE][BOUNDARY][NEWLINE]user: How do I let my school know what type of financial aid I will be accepting?


user: What is good advice when accepting financial aid?[NEWLINE]agent: Always accept the financial aid funds you don't have to repay.[NEWLINE]agent: Have you received your school financial aid offer?[NEWLINE]user: Yes, I have received the college I am attending financial aid offer.[NEWLINE]agent: That's good but remember to indicate which financial aid you would like to accept by making an informed decision.[NEWLINE][BOUNDARY][NEWLINE]user: How do I choose which is the best financial aid to accept?[NEWLINE]agent: There are many things to keep in mind when you get an aid offer such as, free money first earned money second, borrowed money last.[NEWLINE][BOUNDARY][NEWLINE]user: What is good advice when I need to accept a loan?[NEWLINE]agent: Usually choose the federal student loans offered to you first because they usually have the most favorable terms.[NEWLINE]user: What if my living expenses are not as costly as the amount estimated by the school I am attending?[NEWLINE]agent: You always can turn down the loan or ask for a lower amount and your school will help you with this.[NEWLINE][BOUNDARY][NEWLINE]user: How do I inform my school which aid I will accept?


user: What is the best way to accept financial aid?[NEWLINE]agent: Always accept the financial aid funds you don't pay back.[NEWLINE]agent: Did you get a financial aid offer?[NEWLINE]user: No, my school did not send me a financial aid offer, but are working on it.[NEWLINE][BOUNDARY][NEWLINE]user: What is the best process when accepting student loans?[NEWLINE]agent: Did you accept any student loans?[NEWLINE]user: No, I have not gotten any student loans yet.[NEWLINE]agent: Have you decided to get a state loan, school loan, or private student loan?[NEWLINE]user: Yes, I am thinking of getting a school loan, state loan, or private student loan.[NEWLINE]agent: You really should look into the differences between federal and other loans.[NEWLINE]user: What if I will have some questions or don't understand the types of loans in my aid package?


user: I want to know about the Teach grant[NEWLINE]agent: Do you want to Complete TEACH Grant Initial and Subsequent Counseling?[NEWLINE]user: no, I need to learn more first[NEWLINE][BOUNDARY][NEWLINE]agent: Did you want to know if you have to complete this?[NEWLINE]user: no sir[NEWLINE][BOUNDARY][NEWLINE]agent: Would you like to know how long it will take to complete?[NEWLINE]user: no I want to know more about it[NEWLINE][BOUNDARY][NEWLINE]agent: Do you need to know what you will need to have with you to participate?[NEWLINE]user: no, I think it's another thing[NEWLINE]user: ok I got it, it is the teach grant agreement. what identification will I need?


user: you can help me with the TEACH thing[NEWLINE]agent: Are you here to complete the TEACH Grant Initial and Subsequent Counseling?[NEWLINE]user: no[NEWLINE][BOUNDARY][NEWLINE]agent: Did you need to know if you need to complete this at some point?[NEWLINE]user: no[NEWLINE][BOUNDARY][NEWLINE]agent: Would you like to know how long it will take to complete?[NEWLINE]user: not that either[NEWLINE][BOUNDARY][NEWLINE]agent: Would you like to know what documents you will need to complete the counseling?[NEWLINE]user: no, I need to complete other TEACH stuff[NEWLINE][BOUNDARY][NEWLINE]user: where do I start for the TEACH agreement?


user: Hi there. I'm looking some information about TEACH?[NEWLINE]agent: Sure. Have you complete the teach grant ats?[NEWLINE]user: Yes, I have. Thanks.[NEWLINE]agent: Good, you need to log in the system.[NEWLINE][BOUNDARY][NEWLINE]user: Great. I want to know about to verify my account?[NEWLINE]agent: You need to verified your fsa id.[NEWLINE][BOUNDARY][NEWLINE]user: For the TEACH is need to have school experience, right? I mean as a teacher.[NEWLINE]agent: Yes, you need to begin a career in teacher and agree to teach full time for at least four years on schools.[NEWLINE]user: The teachers receive official help about it?[NEWLINE]agent: Yes, of course. TEACH grants initial and subsequent counseling about what to do.[NEWLINE][BOUNDARY][NEWLINE]user: Anyone can complete this?


user: I have questions about the TEACH Grant Agreement To Serve.[NEWLINE]agent: Are you interested in completing the TEACH Grant ATS?[NEWLINE]user: Yes, I am.[NEWLINE]agent: Great. You will first need to log into your account.[NEWLINE][BOUNDARY][NEWLINE]user: How do I know if I qualify for this grant?[NEWLINE]agent: This grant is for students who are completing or plan to complete any coursework that is required to begin a career in teaching. To qualify for this grant, you also need to agree to teach full time for at least 4 years.[NEWLINE][BOUNDARY][NEWLINE]user: How do I know if I should complete this?[NEWLINE]agent: If you are a student receiving a TEACH grant and have completed TEACH Initial and Subsequent Counseling in the same Award Year, you should complete this.[NEWLINE][BOUNDARY][NEWLINE]user: What information will I need to complete this?[NEWLINE]agent: You will need your verified FSA ID.[NEWLINE][BOUNDARY][NEWLINE]user: How long does it take to complete the ATS?


user: I am looking to apply for a TEACH Grant Agreement To Serve (ATS) through the FSA. How do I go about this?[NEWLINE]agent: Have you completed the TEACH Grant ATS form?[NEWLINE]user: Yes, I have completed that form[NEWLINE]agent: Firstly, you will need to log in under your own credentials[NEWLINE][BOUNDARY][NEWLINE]user: What exactly is a TEACH Grant that is available through the FSA?[NEWLINE]agent: This type of grant is for students who are completing coursework in preparation for a career in teaching. The candidates need to agree to work in an elementary school, secondary school or educational service agency that serves students from a low-income family for at least four years[NEWLINE][BOUNDARY][NEWLINE]user: What type of student completes the TEACH Grant Agreement To Serve (ATS)?[NEWLINE]agent: Students that complete this form are those who are in receipt of a TEACH Grant and who have also completed TEACH Initial and Subsequent Counseling for the same Award Year[NEWLINE][BOUNDARY][NEWLINE]user: What do I need to apply for a TEACH Grant Agreement To Serve (ATS)?[NEWLINE]agent: Firstly, you will your verified FSA ID[NEWLINE][BOUNDARY][NEWLINE]user: What is the first step in completing the TEACH Grant Initial and Subsequent Counseling form?


user: Hello, i've been told about a funding program for those students who want to begin teaching..I would like to know more about how to begin the counseling and what comes next..Could you help me out?[NEWLINE]agent: I understand you're interested into completing the initial and subsequent counseling for the Education Assistance Program?[NEWLINE]user: Don't need to complete it right now, but i would like to get some information beforehand.[NEWLINE][BOUNDARY][NEWLINE]agent: That's a good call. Do you know who are supposed to complete this counseling, then?[NEWLINE]user: Yes, please, that would be helpful.[NEWLINE]agent: No problem. The TEACH program is aimed to those students who are currently receiving a TEACH Grant.[NEWLINE][BOUNDARY][NEWLINE]user: O.k, i guess that takes a lot of sessions, right? I mean, is done through many days?[NEWLINE]agent: Nothing like that. Counseling for this program is quite simple, so it won't take more than 20 or 30 minutes.[NEWLINE][BOUNDARY][NEWLINE]user: Really? Wow, that's a relief. Don't get me wrong, but sometimes these things takes way too long. Anyway, another question. In something called Agreement to Serve, Who must do that?[NEWLINE]agent: Well, that  would be for those students who are receiving a TEACH Grant, and passed their TEACH Initial and Subsequent Counseling for the same Award Year.[NEWLINE][BOUNDARY][NEWLINE]user: Oh right, Seem kinda obvious. Lastly, going back to the TEACH counselling, What do  need to access that?


user: Tell me about the TEACH Grant Agreement To Serve (ATS)[NEWLINE]agent: Did you complete the TEACH Grant ATS?[NEWLINE]user: yes, I did it[NEWLINE]agent: Please, log in to start[NEWLINE][BOUNDARY][NEWLINE]user: What do I need to the ATS process?[NEWLINE]agent: You need a verified FSA ID[NEWLINE][BOUNDARY][NEWLINE]user: Can you tell me what is a TEACH Grant?[NEWLINE]agent: It's a program that provides funds to students who are completing or who plan to complete coursework that is required to begin a career in teaching, and agree to teach full time for at least four years at an elementary school, secondary school  or educational service agency that serves students from low-income families and to meet other requirements[NEWLINE][BOUNDARY][NEWLINE]user: Who should complete this program?[NEWLINE]agent: Students who are receiving a TEACH Grant  and who have completed TEACH Initial and Subsequent Counseling for the same Award Year[NEWLINE][BOUNDARY][NEWLINE]user: ow long will it take  the ATS process?


user: I need help with the teach grant agreement[NEWLINE]agent: Do you want help completing the TEACH Grant ATS?[NEWLINE]user: no I need info on it[NEWLINE][BOUNDARY][NEWLINE]agent: Do you want to know if you need to complete the TEACH Grant Agreement To Serve?[NEWLINE]user: yes[NEWLINE]agent: It needs to be completed by students who are receiving a TEACH Grant, and who have completed TEACH Initial and Subsequent Counseling for the same Award Year.[NEWLINE][BOUNDARY][NEWLINE]user: where do I go to do this?[NEWLINE]agent: I can link you to the page where you can Log In and start.[NEWLINE][BOUNDARY][NEWLINE]user: how long will it take me?[NEWLINE]agent: It will take you 20-30 minutes and it must be completed in a single session.[NEWLINE][BOUNDARY][NEWLINE]user: what will I need to get started?


user: What are payments like with the Income-Sensitive Repayment Plan for those with Federal Family Education Loan Program Loans.[NEWLINE]agent: The payments under the FFEL Program increase or decrease according to your annual income.[NEWLINE]agent: Do you need to make lower payments on your FFEL Program loans?[NEWLINE]user: Yes, I need to make lower payments on my FFEL Program loan because my hours have been cut at my job.[NEWLINE]agent: Then the Income-Sensitive Repayment Plan might be right for you.[NEWLINE][BOUNDARY][NEWLINE]user: Are only FFEL Program loanseligible for Income-Sensitive Repayment Plan?[NEWLINE]agent: Yes, only FFEL Program Loans are eligible.[NEWLINE][BOUNDARY][NEWLINE]user: What if I have FFEL Program loans that are not owned by ED?[NEWLINE]agent: You should then contact your lender of the loans.[NEWLINE][BOUNDARY][NEWLINE]user: Which FFEL Program Loans are eligible?[NEWLINE]agent: There are several eligible such as Subsidized Federal Stafford Loans.[NEWLINE]user: Are FFEL Consolidation Loans eligible for the income-sensitive payments?


user: What payments are available through the Income-Sensitive Repayment Plan who have Federal Family Education Loan Program loans?[NEWLINE]agent: The payments under the Income-Sensitive Repayment Plan may increase or decrease based on your income.[NEWLINE]agent: Do you need to make lower payments on your FFEL Program loans?[NEWLINE]user: Yes, I am getting less hours at work and need to lower my payments.[NEWLINE]agent: Then this plan might be right for you.[NEWLINE][BOUNDARY][NEWLINE]user: Are the FFEL Consolidation Loans eligible?[NEWLINE]agent: Yes, they are available for the Income-Sensitive Plan.[NEWLINE][BOUNDARY][NEWLINE]user: How can I get more information about FFEL Program loans?[NEWLINE]agent: You should contact your loans servicer for more information.[NEWLINE]user: Where should I go to find out about federal student loans I have received?[NEWLINE]agent: You should visit My Federal Student aid to view information about all of the federal student loans you have received and to find contact information for the loan servicer or lender for you loans.[NEWLINE][BOUNDARY][NEWLINE]user: Are unsubsidized Federal Stafford Loans eligible for Income-Sensitive Repayment?


user: Is the Income-Sensitive Repayment Plan help lower payments?[NEWLINE]agent: Yes, the income-sensitive repayment plan can decrease or increase based on your income.[NEWLINE]agent: Do you need to make lower payments on your FFEL Program loans?[NEWLINE]user: No not at this time but looks like I could in the future.[NEWLINE][BOUNDARY][NEWLINE]user: What will happen with my monthly payments on Income-Sensitive Repayment Plan?[NEWLINE]agent: Your monthly payments could increase or decrease.[NEWLINE][BOUNDARY][NEWLINE]user: How can I get more information if I have FFEL Program loans owned by the US Department of Education?[NEWLINE]agent: You would have to contact your loan servicer.[NEWLINE][BOUNDARY][NEWLINE]user: What loans are not eligible?[NEWLINE]agent: William D. Ford Federal Direct Loans are not eligible.[NEWLINE][BOUNDARY][NEWLINE]user: What FFEL Program Loans are eligible for Income Sensitive Repayment?


user: Hi, I would like to know how the Income-Sensitive Repayment Plan will affect my loan payments?[NEWLINE]agent: Payment under the plan increase or decrease based on your annual income.[NEWLINE]agent: Do you have a Federal Family Education Loan (FFEL) Program loan and if so do you need to lower your payments on your loan?[NEWLINE]user: No I don't need to lower my payments at this time, thank you.[NEWLINE][BOUNDARY][NEWLINE]user: Would I be eligible for the Income-Sensitive Repayment Plan if I have a FFEL Plus Loan?[NEWLINE]agent: Yes you will be.[NEWLINE][BOUNDARY][NEWLINE]user: What loans are not eligible for the Income-Sensitive Repayment Plan?[NEWLINE]agent: A William D. Ford Federal Direct Loan is not eligible for the repayment plan.[NEWLINE][BOUNDARY][NEWLINE]user: What about Subsidized Federal Stafford Loans?[NEWLINE]agent: Yes these loans are also eligible.[NEWLINE]user: What other loans are eligible for this program?


user: What do I need to know about the Income-Sensitive Repayment Plan?[NEWLINE]agent: The payments under this plan increase or decrease based on your annual income.[NEWLINE]agent: Do you need to make lower payments on your Federal Family Education Loan Program at this time?[NEWLINE]user: Yes, I lost my job and need to make lower payments.[NEWLINE]agent: Then the Income-Sensitive Repayment Plan could be the perfect plan for you.[NEWLINE][BOUNDARY][NEWLINE]user: What FFEL Program loans are eligible?[NEWLINE]agent: Subsidized, Unsubsidized Federal Stafford Loans; FFEL Plus Loans, and FFEL Consolidation Loans are all eligible for the Income-Sensitive Repayment Plan.[NEWLINE][BOUNDARY][NEWLINE]user: What if I have FFEL Program loans owned by the US Deparment of Education?[NEWLINE]agent: You would be best to contact your loan servicer.[NEWLINE]user: How do I find info for all the federal student loans I have received?[NEWLINE]agent: You should visit My Federal Student Aid to view any info about the federal student loans you have gotten and to find out any info for the loan servicer.[NEWLINE]user: What if  have FFEL Program loans not owned by the ED?


user: I need help understanding how the Income-Sensitive Repayment plan works.[NEWLINE]agent: I can help you with that. Those who qualify for the Income-Sensitive Repayment Plan should know that their payments can increase or decrease depending on your annual income.[NEWLINE]agent: Would you like to lower your payments on your FFEL Program loan?[NEWLINE]user: Yes. I need this.[NEWLINE]agent: This repayment plan may be the right choice for you.[NEWLINE][BOUNDARY][NEWLINE]user: My FFEL Program loan is not owned by ED. Who do I contact for more information?[NEWLINE]agent: Since your loan is not owned by ED, you will need to contact your lender.[NEWLINE]user: How do I find my lender's contact information?[NEWLINE]agent: You can find this information on your My Federal Student Aid account.[NEWLINE][BOUNDARY][NEWLINE]user: What FFEL Program Loans are eligible for this plan?[NEWLINE]agent: There are several loans that are eligible for the income-sensitive reapayment plan.[NEWLINE][BOUNDARY][NEWLINE]user: How long would I make monthly payments?


user: What is the Income-Sensitive Repayment Plan that is available to low-income borrowerso who have FFEL Program loans?[NEWLINE]agent: The payments under the Income-Sensitive Repayment Plan can increase or decrease based on your income.[NEWLINE]user: What if I need to make lower payments on my FFEL Program loan because my hours have been cut?[NEWLINE]agent: It sounds like the Income-Sensitive Repayment Plan is right for you.[NEWLINE][BOUNDARY][NEWLINE]user: Do you know what FFEL Program Loans are eligible?[NEWLINE]agent: The subsidized and unsubsidized Federal Stafford Loans, FFEL PLUS loans, and FFEL Consolidation Loans are all available for Income-Sensitive Repayment Plan.[NEWLINE][BOUNDARY][NEWLINE]user: What if I have an FFEL Program loan owned by the US Department of Education?[NEWLINE]agent: You should contact your loan servicer.[NEWLINE][BOUNDARY][NEWLINE]user: What would my monthly payments look like under this Income-Sensitive Repayment plan?[NEWLINE]agent: Under this plan your monthly payments will increase or decrease based on your annual income and are made for a maximum of 10 years.[NEWLINE][BOUNDARY][NEWLINE]agent: Do you have an FFEL Program loan owned by the US Department of Education?


user: Good evening. I've been researching for ways to make my loan repayment and heard about some income-sensitive thing, Could you tell me more, please?[NEWLINE]agent: No problem. You are referring on the so called Income-Sensitive Repayment Program. Is a very useful program that helps those who have low incomes, to pay their loans. The payments under that plan goes up or down, based on your annual income.[NEWLINE]user: So that plan could be perfect for making lower payments, huh?[NEWLINE]agent: Absolutely. If you're a Federal Family Education Loan Program user, then you could for this reduced payments plan.[NEWLINE][BOUNDARY][NEWLINE]user: Umm, that's quite interesting. I have a loan, under the figure of FFEL Plus. Is that type of loan eligible for the reduced payments?[NEWLINE]agent: It is. The Federal Family Education Loan Plus program is one of the types of loan under te reduced payments option.[NEWLINE]user: And what about Unsubsidized Federal Stafford Loans? I have an acquaintance that has one of those.[NEWLINE]agent: Yes, is it eligible too.[NEWLINE][BOUNDARY][NEWLINE]user: The way to repay my loan under this plan is still on a monthly basis, right?[NEWLINE]agent: That's correct. The payments are still on a monthly base, but they increase or decrease based on your annual income and are valid for a maximum time period of ten years.[NEWLINE][BOUNDARY][NEWLINE]agent: Do yo have more loans owned by U.S Department of Education?[NEWLINE]user: Yeah, i have two of them.


user: Hey, is there a way to get temporary relief?[NEWLINE]agent: Of course. Sometimes, you just need to suspend your student loan payments for a short period.[NEWLINE]agent: Are you in a short-term financial bind?[NEWLINE]user: Yes, I am. I currently have some problems with some expenses.[NEWLINE]agent: Then you may qualify for a deferment or a forbearance. With either of these options, you can temporarily suspend your payments.[NEWLINE]user: What about the current Covid-19 crisis? Do I still have to pay?[NEWLINE]agent: There is a new Automatic Suspension of Monthly Payments as a Result of the COVID-19 National Emergency.[NEWLINE][BOUNDARY][NEWLINE]user: Can I temporarily suspend my payments?[NEWLINE]agent: Yes, you can temporarily suspend your payments if you are eligible for a deferment or forbearance.[NEWLINE]user: Alright, this is all very new to me. So what effect does this all have on my interest?[NEWLINE]agent: Because interest accrues on your principal balance, capitalization will cause more interest to accrue over time than if you had paid the interest. It will also increase your monthly payment under most repayment plans.[NEWLINE][BOUNDARY][NEWLINE]user: That's not that great, but I understand it. What if I'm pursuing loan forgiveness, though?


user: Hi, I have had some unexpected expenses and am unable to pay my student loan for a period. Is there some way that I could get help with this?[NEWLINE]agent: Yes you may be able to suspend your student loan payments for a short period.[NEWLINE]agent: Would this be a short-term financial problem?[NEWLINE]user: No I don't think this is going to be short-term.[NEWLINE][BOUNDARY][NEWLINE]user: What are my options for deferring payments on my student loan?[NEWLINE]agent: If you are eligible you may be able to temporarily suspend your payment but it would be advisable to consider paying the interest that accrues during that period.[NEWLINE][BOUNDARY][NEWLINE]user: Would I be able to suspend my monthly payments as I am without work as a result of COVID-19?[NEWLINE]agent: To provide relief to students during this time federal student loan borrowers are automatically being placed in an administrative forbearance which allows you to temporarily stop making your monthly loan payments. This suspension of payments will be from March 13, 2020 through September 30, 2020.[NEWLINE][BOUNDARY][NEWLINE]user: Is it possible that I could lower my payments on an income-driven repayment plan?[NEWLINE]agent: Yes this is possible and it might be better to consider a income-driven repayment plan than deferring payments altogether. Income-driven plans base your monthly student loan payments on your income and family size.[NEWLINE]user: Are there any tax implications of going for an income-driven repayment plan?


user: Hey, I was wondering how to get temporary relief. Can you walk me through the process and answer some questions, please?[NEWLINE]agent: Of course. Sometimes, you just need to suspend your student loan payments for a short period.[NEWLINE]agent: Are you in a short-term financial bind?[NEWLINE]user: No, I just wanted to learn about the process, should I ever get into this situation.[NEWLINE][BOUNDARY][NEWLINE]user: Can I be eligible for loan forgiveness if I already paid back a large amount of the loan?[NEWLINE]agent: Yes, you can qualify for loan forgiveness on your remaining balance if your loan is not paid in full after 20 or 25 years.[NEWLINE][BOUNDARY][NEWLINE]user: What if I'm eligible for a deferment or forbearance?[NEWLINE]agent: In that case you can temporarily suspend your payments.[NEWLINE][BOUNDARY][NEWLINE]user: How can you provide relief to student loan borrowers during the COVID-19 national emergency?[NEWLINE]agent: To achieve this, federal student loan borrowers are automatically being placed in an administrative forbearance, which allows you to temporarily stop making your monthly loan payments. This suspension of payments will last from March 13, 2020, through Sept. 30, 2020, but you can still make payments if you choose.[NEWLINE][BOUNDARY][NEWLINE]user: That's good to know. What if I have a loan balance of $ 30,000 and an interest rate of 6 % and you are in forbearance for a year right after you enter repayment?


user: Is there a way to get temporary relief for my student loan payments?[NEWLINE]agent: Yes, you can get your payments for your student loans suspended for a short period.[NEWLINE]agent: Are you in a short-term financial bind?[NEWLINE]user: Yes, I am temporarily laid off for four weeks.[NEWLINE]agent: You may actually qualify for a deferment or a forbearance and temporarily suspend your payments.[NEWLINE][BOUNDARY][NEWLINE]user: Could I qualify for loan forgiveness eventually?[NEWLINE]agent: Yes, you could qualify for loan forgiveness on our remaining balance if your loan is not paid in full after 20-25 years.[NEWLINE]user: Is it better to get relief with lower payments through an income-driven repayment plan?[NEWLINE]agent: Yes, it might be a better option because your income-driven repayment base your monthly student loan payments on your income and family size and you could have a payment as low as zero each month.[NEWLINE][BOUNDARY][NEWLINE]user: What happens during the deferment or forebearance?[NEWLINE]agent: Interest will accrue during your period of deferment or forbearance except in cases like one offered as a result of COVID-19 national emergency.[NEWLINE]user: Would it be best for me to consider other options besides deferment or forebearance first?


user: Is there a way to stop payments for loss of income for a few months?[NEWLINE]agent: Yes, you could suspend your student loan payments for a short period.[NEWLINE]agent: Are you in a short term financial bind?[NEWLINE]user: No, not yet but will be later in the year due to shut down.[NEWLINE]user: Is there anything they are doing for COVID-19 emergency?[NEWLINE]agent: Yes, they are automatically suspending monthly payments of your student loans.[NEWLINE][BOUNDARY][NEWLINE]user: What happens with interest accrual of my loans if I have $30000 balance and an interest rate of 6% while in forebearance for a year after i enter repayment?[NEWLINE]agent: You would accrue $1800 on your loans.[NEWLINE][BOUNDARY][NEWLINE]user: Could I consider another repayment option other than deferment or forbearance?[NEWLINE]agent: It could be worth looking at another plan such as an income-driven repayment plan before you choose forebearance or deferment.[NEWLINE]user: Would my payments be lower on an income-driven repayment plan?


user: Tell about the Temporary Relief, please[NEWLINE]agent: Sometimes, you need to suspend your student loan payments for a short period[NEWLINE]agent: Are you in a short-term financial bind?[NEWLINE]user: Not at all[NEWLINE][BOUNDARY][NEWLINE]user: What if I don't pay any interest?[NEWLINE]agent: If you don't pay that interest, it will be capitalized and added to your principal balance.[NEWLINE]user: Why will that interest be capitalized?[NEWLINE]agent: that's because interest accrues on your principal balance, capitalization will cause more interest to accrue over time than if you had paid the interest. It will also increase your monthly payment on most payment plans[NEWLINE][BOUNDARY][NEWLINE]user: How to relieve student loan borrowers during the national COVID-19 emergency?[NEWLINE]agent: Federal student loan borrowers are automatically being placed in an administrative forbearance, which allow to temporarily stop making monthly loan payments. This suspension of payments will last from March 13, 2020 through Sept. 30, 2020,but you can still make payments if you choose.[NEWLINE][BOUNDARY][NEWLINE]user: How can I get relief with lower payments on an income-driven repayment plan?


user: Hi there. I was looking information about how to get a temporary relief.[NEWLINE]agent: Sure, we are here to help you. Sometimes you just need to suspend your student loan payments.[NEWLINE]user: This also apply if I am in a financial bind?[NEWLINE]agent: Yes, you can also try to qualify for a deferment or a forbearance.[NEWLINE]user: This also apply for the actual crisis with the covid?[NEWLINE]agent: Yes, It also apply for it.[NEWLINE][BOUNDARY][NEWLINE]user: And which options do you bring for this case?[NEWLINE]agent: Have you check the different type of deferment and forbearance there is?[NEWLINE]user: I have seen some of them.[NEWLINE]agent: You can just suspend for a time your payments too.[NEWLINE][BOUNDARY][NEWLINE]user: I can do this even applying to the deferment and the forbearance.


user: I"m looking to try and stop making payments on a loan if I could but only for a short time to get caught up[NEWLINE]agent: Okay, so you just need to suspend your student loan payments for a short period[NEWLINE]agent: Is this financial situation just short term?[NEWLINE]user: probably not[NEWLINE][BOUNDARY][NEWLINE]user: is there a way to get lower payments?[NEWLINE]agent: It might be good for to you consider a different repayment plan such as an income-driven repayment plan. These plans base your monthly student loan payments on your income and family size. In some cases, your payment could be as low as $0 per month.[NEWLINE][BOUNDARY][NEWLINE]user: can we get help because of the coronavirus and job loss?[NEWLINE]agent: Yes, federal student loan borrowers are automatically being placed in an administrative forbearance, which allows you to temporarily stop making your monthly loan payments. This suspension of payments will last from March 13, 2020, through Sept. 30, 2020.[NEWLINE][BOUNDARY][NEWLINE]user: what if I go with deferment, any advice on that?[NEWLINE]agent: If that is the way you go consider paying the interest that accrues during that period, so that you can avoid some of the consequences.[NEWLINE]user: and this will allow me to miss a few payments if I do this?[NEWLINE]agent: Do you know if you are eligible for deferment or forbearance?


user: Hey there. I would like to get some information about a temporary relief.[NEWLINE]agent: Sure. There is no problem, we can help you if you have to do a suspension of your payments.[NEWLINE]agent: Are you in a short time period of financial bind?[NEWLINE]user: Yes, I am in a period I don't know how can I pay any more.[NEWLINE]agent: Well, that's very bad to hear. You can suspend your payments for a while.[NEWLINE]user: There is some how to get a loan relief?[NEWLINE]agent: You mean like a forgiveness of your loan. Yes, this is possible, like a period of deferment or forbearance.[NEWLINE]user: I see, this is something that I'm looking for, because the covid19 outbreak. This counts? I mean, this is covered?[NEWLINE]agent: Yes, there are special measures that has been taken about this, which will last from march 13 through sept 30 of 2020.[NEWLINE]user: Bu if I have the chance to make a payment or two I can do it too, right?[NEWLINE]agent: Yes, no problem. But if you can't  do it, you can skip them during this period of time.[NEWLINE][BOUNDARY][NEWLINE]user: This is also related to the amount of taxes I will have to pay?


user: Can I get federal student aid to help pay for international schools also?[NEWLINE]agent: Yes, whether you want to study internationally for one semester or get your degree outside the US you may be still eligible for federal student aid.[NEWLINE][BOUNDARY][NEWLINE]user: Would I need to worry about having an VISA?[NEWLINE]agent: Yes, you may need a VISA and also medical insurance.[NEWLINE]user: Is it smart to start to do research on schools abroad early?[NEWLINE]agent: Yes, you should start early when you want to study abroad because you got more to do.[NEWLINE]user: How can I research international schools and their requirements?[NEWLINE]agent: First off it is wise not to panic and you are on your own; but if you are very organized and determined you will be just fine.[NEWLINE][BOUNDARY][NEWLINE]user: I want to study abroad for a year is federal student aid available?[NEWLINE]agent: Yes, it could be available for studying abroad if you meet the aid eligibility.[NEWLINE]agent: Do you know about the FAFSA form?


user: Can I use federal student aid to help pay for studies abroad?[NEWLINE]agent: Yes, you can use federal student aid to pay for one semester or your entire degree abroad.[NEWLINE][BOUNDARY][NEWLINE]user: Can I study abroad for a semester and still get aid?[NEWLINE]agent: Yes, you may receive federal student aid for a study-abroad program if you meet aid eligibility criteria.[NEWLINE]agent: Did you fill out a FAFSA form for college yet?[NEWLINE]user: No, I have never filled out a FAFSA form.[NEWLINE][BOUNDARY][NEWLINE]user: Should what extra paperwork needs to be done on my list for studying abroad?[NEWLINE]agent: Yes, that should be on your list and also if you are required to have medical insurance.[NEWLINE]user: Is the Medical University of Bialystok on the pass rates list for United states Medical Licensing?[NEWLINE]agent: Yes, it is on the list.[NEWLINE]user: What is the best tips for researching schools?


user: Can I get help to pay for my college at an international school through federal student aid?[NEWLINE]agent: Yes, many who study abroad get federal student aid to help pay for expenses.[NEWLINE][BOUNDARY][NEWLINE]user: How much can I receive in federal student loan funds for international study?[NEWLINE]agent: The annual limit for Direct Subsidized and Unsubsidized loans can be between $5500 and $20500.[NEWLINE]agent: Do you know the factors that might change your amount you get such as dependent or independent?[NEWLINE]user: Yes, I know factors such as dependent or independent student will play a role in how much I get for my loan.[NEWLINE]agent: Direct PLus Loan amounts are figured out by minusing any other financial aid you are receiving from your total cost of attendance in the school.[NEWLINE][BOUNDARY][NEWLINE]user: What federal student aid would I be eligible for at an international school?[NEWLINE]agent: You can receive a federal student loan from William D. Ford Federal Direct Loan.[NEWLINE][BOUNDARY][NEWLINE]user: Can I find out what pass rates are in International Medical Schools?[NEWLINE]agent: Yes, International Medical Schools have things like pass rates on US Medical Licensing Exams, student loan debt, and completion rates.[NEWLINE]user: Are there housing forms I should complete?


user: Hey, finally can talk with you. I need some information about some financial aid, but for studies abroad, Can you guide me there?[NEWLINE]agent: With pleasure. Federal Aid for students who are planning to study abroad partially or for the total career is available from Federal Programs, so they can pay their expenses.[NEWLINE][BOUNDARY][NEWLINE]user: That's great. I was told that  could get that help and even went to an international student's office but i don't know where else to look for more information so, where do i find more about it?[NEWLINE]agent: You can always resort to our toll free numbers at 1-800-4-FED-AID or 1-800-433-3243 to get help for filling your FAFSA form.[NEWLINE][BOUNDARY][NEWLINE]user: Right, i guess any helps isn't that bad. Say, how much can i hope to get in financial aid?[NEWLINE]agent: You can get aid that goes from $5,000 up to $20,500. That is for Direct Subsidized Loans, plus Direct Unsubsidized Loans.[NEWLINE]agent: The can be affected for various factors so, Are you a dependent student?[NEWLINE]user: No, i'm independent.[NEWLINE][BOUNDARY][NEWLINE]user: O.k, Thinking on another thing, how can i know what to expect in requirements for a school i like?[NEWLINE]agent: That should be available on the school's website. You go online and check it out so you can get an idea about their plans and opportunities.[NEWLINE]user: I suppose that documentation is a must in these cases, like visas, for example?


user: Good evening, i'm searching for information about getting funds to study abroad. Could you lend me a hand oh this?[NEWLINE]agent: Absolutely, this is the right place. If you're planning to study abroad or just passing one semester, be aware you can receive federal aid.[NEWLINE][BOUNDARY][NEWLINE]user: Alright, then. And what kind of help can i get?[NEWLINE]agent: You can get funds form the William D. Ford Federal Direct Loan Program. You would need to check out if your desired school has participation on that program.[NEWLINE][BOUNDARY][NEWLINE]user: That help could be affected or vary depending on what I study or what?[NEWLINE]agent: No. Mostly, would be affected by your status as undergraduate or graduate student. In that regard, behavior is very like in the U.S.[NEWLINE][BOUNDARY][NEWLINE]user: O.k, I think i get it. Well, lets say i made my mind and go for an international school. What can you do for me?[NEWLINE]agent: Well, we can lend you a hand finding out which international schools get a part in federal student aid programs and then, guide you through the corresponding process of getting that federal aid.[NEWLINE][BOUNDARY][NEWLINE]user: That sounds very good, thanks. Say, if i'm able to get that aid, what amount are we talking about?[NEWLINE]agent: That would depend on the type of aid, but for both Direct Subsidized or Unsubsidized Loans, The amount you could receive goes from $5,500 to $20,500 range.[NEWLINE]agent: In fact, Are you aware that amount could be affected by many factors?


user: I was wondering if I could get student aid when studying abroad. Can you please give me some advice?[NEWLINE]agent: Of course. Whether you plan to study abroad for a semester or get your entire degree outside the United States, you may be able to use federal student aid to pay your expenses.[NEWLINE]user: So even if I study outside the U.S. I can get student aid?[NEWLINE]agent: Yes, that's correct.[NEWLINE][BOUNDARY][NEWLINE]user: That's great! What should I do if I plan to get a degree from an international school?[NEWLINE]agent: Have you decided to get your degree from a school outside the U.S.?[NEWLINE]user: Yes, I want to study abroad.[NEWLINE]agent: Congratulations. Now let us help you find out which international schools participate in the federal student aid programs and guide you through the process of getting federal aid to make a dent in that tuition bill.[NEWLINE][BOUNDARY][NEWLINE]user: I see. When and how do I repay the loan?[NEWLINE]agent: That depends on whether it s a subsidized or unsubsidized loan versus a PLUS loan. Repayment of a loan used to pay for international study works the same way as repayment of a loan used to pay for an American school. Get information about repaying federal student loans.[NEWLINE][BOUNDARY][NEWLINE]user: How can I research schools and their requirements?


user: Is it possible for me to get federal student aid if I am studying through an international shcool?[NEWLINE]agent: Yes you may be able to use federal student aid to pay your expenses at an international school.[NEWLINE]user: Can aid be used for just a semester or do you have to do your entire degree with an international school to qualify for aid?[NEWLINE]agent: You can study abroad for just a semester or get your entire degree outside the United States with the help of federal student aid.[NEWLINE][BOUNDARY][NEWLINE]user: Do all international schools participate in the federal student aid programs?[NEWLINE]agent: Have you decided to get your degree from a school outside the U.S.?[NEWLINE]user: Yes I have.[NEWLINE]agent: That is great, congratulations. Now let us help you find out which international schools participate in the federal student aid programs and guide you through the process of getting federal aid to help pay for your tuition.[NEWLINE][BOUNDARY][NEWLINE]user: Is it possible to get help researching schools and their requirements?[NEWLINE]agent: Yes we can help you with the process of researching international schools and their requirements.[NEWLINE]user: How long will it take to get financial aid for studying abroad?


user: Hi, could you give me more information on financial aid that is available for international study please?[NEWLINE]agent: You may be able to get federal student aid to pay for your costs whether you plan to study for a short period like one semester or for as long as your entire degree[NEWLINE][BOUNDARY][NEWLINE]user: Is there a personal to-do- list that I would need to complete if studying internationally?[NEWLINE]agent: Along with a few other things, you would need to ensure that you have medical insurance in place before you go[NEWLINE][BOUNDARY][NEWLINE]user: Are there separate rules for getting aid if I am studying abroad for just one semester?[NEWLINE]agent: You may receive aid for one semester abroad but you have to meet the eligibility requirements[NEWLINE]agent: Do you normally complete a Free Application for Federal Student Aid FAFSA each year for college?[NEWLINE]user: Yes, I normally do[NEWLINE]agent: In that case, you will be familiar with the FAFSA process, which is needed for aid for study abroad[NEWLINE][BOUNDARY][NEWLINE]user: Will I need a valid passport for studying abroad?[NEWLINE]agent: Yes you will, and medical insurance will be another important essential element of your study abroad[NEWLINE]user: Aare there housing forms that I would need to complete if studying abroad?


user: Hello, do I need information related to the federal aid program?[NEWLINE]agent: In important highlight that federal student aid to pay your expenses.[NEWLINE][BOUNDARY][NEWLINE]user: What is the form of housing?[NEWLINE]agent: Are you interested in life insurance?[NEWLINE][BOUNDARY][NEWLINE]user: I wonder what kind of help can I ask for help?[NEWLINE]agent: You can get that information at the institution.[NEWLINE][BOUNDARY][NEWLINE]user: What student aid can you request for international studies?[NEWLINE]agent: Many international schools are offering help to students.[NEWLINE][BOUNDARY][NEWLINE]user: If you give me the help, what is the payment system?[NEWLINE]agent: The process involves electronically transmitting from the United States Treasury to the designated bank of the international school.[NEWLINE]agent: Also, if there is money left it is transferred to your account.[NEWLINE]user: What does this procedure consist of?


user: Hey, I need some help with my direct plus loan application. Can you answer some questions for me?[NEWLINE]agent: Of course. Direct PLUS Loan Application for Graduate/Professional StudentsWilliam D. Ford Federal Direct Loan ProgramFederal Direct PLUS Loan Request for Supplemental Information?[NEWLINE]user: No, sorry.[NEWLINE][BOUNDARY][NEWLINE]agent: Direct PLUS Loan Application for ParentsWilliam D. Ford Federal Direct Loan ProgramFederal Direct PLUS Loan Request for Supplemental Information?[NEWLINE]user: Yes, that applies.[NEWLINE]agent: Then you should know that parents must be logged in using their own...[NEWLINE]agent: Do you have questions regarding your loan eligibility, the next steps in the processing of your loan, when the loan will be disbursed paid out, or no longer wish to receive the loan?[NEWLINE]user: Yes, I do have plenty questions about that.[NEWLINE]agent: In that case you should contact your school's financial aid office.[NEWLINE][BOUNDARY][NEWLINE]user: Where will my information go once all of the application is filled out?[NEWLINE]agent: The information that you provide will be sent to the school that you select. The school you select will use the information collected to determine your eligibility for a Direct PLUS Loan and process your application.[NEWLINE]user: What is a William D. Ford Federal Direct Loan Program Federal Direct PLUS Loan Request for Supplemental Information?


user: I need to know a few things about my direct plus loan application.[NEWLINE]agent: Do you have a Direct PLUS Loan Application for Graduate/Professional StudentsWilliam D. Ford Federal Direct Loan ProgramFederal Direct PLUS Loan Request for Supplemental Information?[NEWLINE]user: No, I don't.[NEWLINE][BOUNDARY][NEWLINE]agent: Do you have a Direct PLUS Loan Application for ParentsWilliam D. Ford Federal Direct Loan ProgramFederal Direct PLUS Loan Request for Supplemental Information?[NEWLINE]user: Yes, I actually do.[NEWLINE]agent: In that case, parents must be logged in using their own.[NEWLINE]agent: Do you have questions regarding your loan eligibility, the next steps in the processing of your loan, when the loan will be disbursed paid out, or no longer wish to receive the loan?[NEWLINE]user: Yes, I have many questions.[NEWLINE]agent: Then you should contact your school's financial aid office.[NEWLINE][BOUNDARY][NEWLINE]user: What does the direct plus loan request let me do as a parent borrower?[NEWLINE]agent: You can request an additional deferment for 6 months after the student ceases to be enrolled at least half time, for example.[NEWLINE]user: Makes sense. What happens to my information once I submitted my application?


user: What types of Direct PLUS Loan Application should I complete?[NEWLINE]agent: Do you know which type of Direct Plus Loan you are trying for?[NEWLINE]user: I am not even sure which one I should chose?[NEWLINE][BOUNDARY][NEWLINE]agent: Do you want a Direct PLUS loan application for Parents?[NEWLINE]user: Yes, that is the Direct Plus Loan for Parents.[NEWLINE]agent: Parents must be logged into using their own account.[NEWLINE]user: What if I have questions regarding my loan eligibility and about the next steps in the processing of my loan?[NEWLINE]agent: You should definitely get in contact with your school's financial aid office and they will help you with any questions.[NEWLINE][BOUNDARY][NEWLINE]user: Do I need to complete a Direct PLUS Loan Master Promissory Note?[NEWLINE]agent: Yes, you must complete a Direct Loan Master Promissory Note before you can receive a Direct PLUS Loan because it explains all the terms and conditions your your loan and is the legal binding agreement to repay the loan.[NEWLINE]user: What does the Direct PLUS Loan request allow me to do?


user: Hi there. I would like to get some information related to the direct plus loan program.[NEWLINE]agent: Sure. Are you interested into apply for this program?[NEWLINE]user: Yes, I would like to request this program.[NEWLINE]agent: Sure, there is no problem. You need to loggin into the system.[NEWLINE][BOUNDARY][NEWLINE]user: Is this managed by me or by the school I go?[NEWLINE]agent: Yes, it can be managed by the school, but it needs your personal authorization, but this is not mandatory.[NEWLINE]user: Apply for this kind of loan is about just to make the request and no more?[NEWLINE]agent: Before you can receive the loan you need to complete a direct plus loan master promissory note, which will explain everything of the terms and conditions of this program.[NEWLINE]user: What happens if I have have a security freeze?[NEWLINE]agent: In that case, you'll need to remove the freeze at each credit bureau before you can continue.[NEWLINE]user: I see this is on the application you mentioned before?


user: sdfsdf[NEWLINE]agent: Are you interested into apply for this program?[NEWLINE]user: Yes, if this is a good thing for me, I would love to.[NEWLINE]agent: Great this will depend of if you are a student or not, and if are a student you will need to log in into a account just for students.[NEWLINE][BOUNDARY][NEWLINE]user: I see. But there is also a loan program which is for parent, I mean through it the parents can manage some of the loans?[NEWLINE]agent: Yes, there is. It's the same program, but brings the parents an account for their involvement.[NEWLINE]agent: Do you have any more questions?[NEWLINE]user: I still have some doubts, but not about what we were talking about.[NEWLINE][BOUNDARY][NEWLINE]user: I can give authorization to other people to manage this loans in case I can do it by myself?[NEWLINE]agent: Yes,, you can authorize your school to help you with the management.[NEWLINE]user: So, this is not mandatory?


user: Where do I go if I am looking for more information on the Direct PLUS loan Request relating to the William D. Ford Federal Direct Loan Program?[NEWLINE]agent: It's a request for more information in connection with an application that has been made for a Direct PLUS Loan through the William D. Ford Federal Direct Loan Program. Schools may differ in the way that they provide further information to their applicants in relation to these loans[NEWLINE]agent: Are you applying for a borrowing as a parent?[NEWLINE]user: Yes, I am indeed[NEWLINE]agent: In this case, the Direct PLUS Loan Request allows some further concessions which I can go through with you if you would like?[NEWLINE]user: What is the next step after I request supplemental information about the Direct PLUS Loan through the William D. Ford Federal Direct Loan Program?[NEWLINE]agent: Any information that you give us will be sent to the relevant school. The school will then use this information to determine your eligibility for a Direct PLUS Loan and will process your application for same[NEWLINE][BOUNDARY][NEWLINE]user: Where can I find out more about Direct PLUS Loan Applications for Graduate/Professional Students through the William D. Ford Federal Direct Loan Program?[NEWLINE]agent: Firstly, you must be logged into the system under your own personal log in credentials[NEWLINE][BOUNDARY][NEWLINE]user: Are there any special features associated with the Direct PLUS Loan Request?[NEWLINE]agent: Yes, there are. This request allows you, the applicant, to authorize your school to use your loan funds to satisfy other educationally related charges, apart from tuition and fees and room and board. You are not required to provide this authorization[NEWLINE][BOUNDARY][NEWLINE]user: Is there any information available to parents regarding the Direct PLUS Loan Request through the William D. Ford Federal Direct Loan Program?


user: I have questions about the William D. Ford Federal DIrect Loan Program.[NEWLINE]agent: You can request supplemental information in connection with your William D. Ford Federal Direct PLUS Loan application. However, the process for receiving this information may differ depending on the school.[NEWLINE]agent: Are you a parent borrower?[NEWLINE]user: No. I'm the student.[NEWLINE][BOUNDARY][NEWLINE]user: How do I complete a Direct PLUS Loan Application?[NEWLINE][BOUNDARY][NEWLINE]agent: Are you seeking a Direct PLUS Loan Application for Graduate/Professional Students under the William D. Ford Federal Direct Loan Program Request for supplemental information?[NEWLINE]user: No.[NEWLINE][BOUNDARY][NEWLINE]agent: Are you seeking the request application for parents?[NEWLINE]user: Yes, my Mom needs to complete this.[NEWLINE]agent: Okay. Please advise your parent that they must be logged in to their own account to complete this application.[NEWLINE]agent: Do you have any questions about loan eligibility?[NEWLINE]user: Yes. I need clarification on what loans I'm eligible for.


user: What type of Direct PLUS Loan application should I complete?[NEWLINE]agent: Do you have a Direct PLUS Loan application for Graduate/Professional Students William D. Ford Federal Direct Loan Program loan request for supplemental information?[NEWLINE]user: No I do not have this application.[NEWLINE][BOUNDARY][NEWLINE]agent: Do you have a Direct PLUS Loan application for Parents William D. Ford Federal Direct Loan Program loan request for supplemental information?[NEWLINE]user: No I do not have this application for supplemental information.[NEWLINE][BOUNDARY][NEWLINE]user: What does the Direct PLUS Loan Request allow me to do?[NEWLINE]agent: The Direct PLUS Loan Request allows you to authorize the school to use your loan funds to for other educationally related charges after all the tuition and fees and room and board have been paid.[NEWLINE]user: What is the William D. Ford Federal Direct Loan Program request for supplemental information used for?[NEWLINE]agent: It is a request for supplemental info connected to your application for Federal Direct PLUS Loan Direct PLUS Loan through the William D. Ford Federal Direct Loan Program.[NEWLINE]user: What must I do before I receive my Direct PLUS Loan?


user: Do I need to choose what type of Direct PLUS Loan application I would like to complete?[NEWLINE]agent: Are you applying for a Direct PLUS Loan for sstudents?[NEWLINE]user: No I am not.[NEWLINE][BOUNDARY][NEWLINE]agent: Do you need an application for Direct PLUS Loan Application for parents?[NEWLINE]user: Yes, I need one for parents.[NEWLINE]agent: Parents would need to logged in using their own account.[NEWLINE]agent: Do you have any questions about loan eligibility, the next steps, or when loan will be dispursed?[NEWLINE]user: Yes, I have some questions.[NEWLINE]agent: Then you should contact the financial aid office of your attending school.[NEWLINE][BOUNDARY][NEWLINE]user: What happens if I set a security freeze on my credit file?[NEWLINE]agent: You would have to lift or remove the freeze at each credit bureau before you are allowed to continue with the application.[NEWLINE][BOUNDARY][NEWLINE]user: I would like to learn more where do I look or contact?


user: Hello i would like to get information about Master Promissory Note (MPN) for graduate students[NEWLINE]agent: The MPN is a legal document that promises to pay your loan and accrued interest and fees to the US Department of Education, it also explains the terms and conditions of your loan. Graduate / professional students may be eligible for both unsubsidized direct loans and direct PLUS loans, which have different MPNs.[NEWLINE][BOUNDARY][NEWLINE]user: What I need?[NEWLINE]agent: first thing is verified username and password FSA ID[NEWLINE][BOUNDARY][NEWLINE]user: and can you receive more than one loan?[NEWLINE]agent: You can receive more than one loan under an MPN over a period of up to 10 years to pay your educational costs, as long as the school is authorized to use the MPN in this way and decides to do so.[NEWLINE][BOUNDARY][NEWLINE]user: and for unsubsidized loans?[NEWLINE]agent: Use this MPN for unsubsidized direct loans available to eligible graduate / professional students. You may also need to complete an MPN for Direct PLUS loans.[NEWLINE][BOUNDARY][NEWLINE]user: And what do I use for direct PLUS loans?[NEWLINE]agent: Use this MPN for direct PLUS loans available to eligible graduate / professional students. You may also need to complete an MPN for unsubsidized direct loans.[NEWLINE][BOUNDARY][NEWLINE]user: Who should complete this?[NEWLINE][BOUNDARY][NEWLINE]agent: Do you want to do it in just 30 minutes?


user: Hello i would like to get information about Master Promissory Note (MPN) for graduate students[NEWLINE]agent: The MPN is a legal document that promises to pay your loan and accrued interest and fees to the US Department of Education, it also explains the terms and conditions of your loan. Graduate / professional students may be eligible for both unsubsidized direct loans and direct PLUS loans, which have different MPNs.[NEWLINE][BOUNDARY][NEWLINE]user: And what should I use for direct PLUS loans?[NEWLINE]agent: Use this MPN for direct PLUS loans available to eligible graduate / professional students. You may also need to complete an MPN for unsubsidized direct loans.[NEWLINE][BOUNDARY][NEWLINE]agent: and you know who should complete this?[NEWLINE]user: no[NEWLINE][BOUNDARY][NEWLINE]agent: want to know how long will it take?[NEWLINE]user: yes[NEWLINE][BOUNDARY][NEWLINE]user: and for unsubsidized loans?[NEWLINE]agent: Use this MPN for unsubsidized direct loans available to eligible graduate / professional students. You may also need to complete an MPN for Direct PLUS loans.[NEWLINE][BOUNDARY][NEWLINE]user: and what should i do?


user: I'm here about the master promissory note[NEWLINE]agent: Okay, the MPN is a legal document in which you promise to repay your loan and any accrued interest and fees to the U.S. Department of Education. It also contains the terms and conditions of your loan[NEWLINE][BOUNDARY][NEWLINE]user: what will I need to sign in and get it done?[NEWLINE]agent: You will need a verified username and FSA ID[NEWLINE][BOUNDARY][NEWLINE]user: where do I go to do the promissory note on an unsubsidized loan?[NEWLINE]agent: I will give you the link so you can get started on the MPN for Direct Unsubsidized Loans available to eligible students[NEWLINE][BOUNDARY][NEWLINE]user: is there one for direct plus loans?[NEWLINE]agent: Yes, there is a MPN for Direct PLUS Loans available to eligible students[NEWLINE][BOUNDARY][NEWLINE]agent: Would you like to check if you need to complete the MPN?[NEWLINE]user: no[NEWLINE][BOUNDARY][NEWLINE]agent: Would you like to know how long it will take you to complete the MPN?[NEWLINE]user: yes, but I'll find out later when I'm ready to do it[NEWLINE][BOUNDARY][NEWLINE]user: can I get more than one loan for an MPN?


user: Hi, I am looking to take out a student loan and would like to know what a Mater Promissory Note is?[NEWLINE]agent: A Master Promissory Note (MPN) is a legal document in which you promise to repay your loan and any accrued interest and fees to the U.S. Department of Education. It also explains the terms and conditions of your loan.[NEWLINE]user: I am looking to apply for a Direct Unsubsidized Loan, does this loan have the same MPN as a Direct PLUS Loan?[NEWLINE]agent: Both loans have MPNs but they are different, each one applying to a particular loan.[NEWLINE][BOUNDARY][NEWLINE]user: Were can I find a copy of the MPN for a Direct PLUS Loan?[NEWLINE]agent: You can download the PDF for the MPN for Direct PLUS Loans. This can be used for Direct PLUS Loans that are eligible for graduate/professional students.[NEWLINE][BOUNDARY][NEWLINE]user: As a graduate/professional student should I complete the MPN?[NEWLINE][BOUNDARY][NEWLINE]agent: If you are applying for Direct Unsubsidized Loan or a Direct PLUS Loan you should complete the MPN. Are you applying for one of these loans?[NEWLINE]user: No I am not applying at this stage.[NEWLINE][BOUNDARY][NEWLINE]user: When I am ready to apply what do I need to complete the application?


user: Good morning. I was hearing the other day about things I'm supposed to do ti repay my student loans and heard bout something called MPN, what's that?[NEWLINE]agent: Yes. MPN stands for Master Promissory Note and is a legal document in which you promise to repay your loans plus any accrued interest and fees to the U.S. Department of Education. Besides that main purpose, it also explains your loan's terms and conditions.[NEWLINE][BOUNDARY][NEWLINE]user: Oh isee, so it's a kind of written guarantee, isn't? So, That applies for any type of Loan?[NEWLINE]agent: That's right. A MPN can be related to both Subsidized and Unsubsidized Loans alike, which are available to eligible graduate or professional students.[NEWLINE][BOUNDARY][NEWLINE]user: Oh, i see. And that's just for those kinds of loans only?[NEWLINE]agent: No, you also have a MPN related to loans from the Direct Plus kind.[NEWLINE][BOUNDARY][NEWLINE]agent: Are you clear about who have to pass through this?[NEWLINE]user: No, i'm not so sure about it,[NEWLINE][BOUNDARY][NEWLINE]agent: O.k that's fine, we'll just review that in a moment. Are you aware about the time needed to complete a MPN?[NEWLINE]user: Yes, i heard that takes like an hour or so. IS that right?[NEWLINE][BOUNDARY][NEWLINE]user: Oh, by the way, can you tell me about what i need to go ahead with the MPN?