user: Do you know what information is needed for the parents' section of the FAFSA form?[NEWLINE]agent: Do you mean questions that ask for each parent?[NEWLINE]user: yes[NEWLINE]agent: Just the basic information about your parent's identity, like their name, date of birth, and social security number; their living situation, marital status, state of residence, household size, and financial circumstances.[NEWLINE][BOUNDARY][NEWLINE]user: How should I respond if they are separated?[NEWLINE]agent:  That would depend on if your parents live together or not. If your parents are married but are considered legally separated by a state, or if they legally married but have chosen to live separate lives then they are considered separate, as if they weren't married.[NEWLINE][BOUNDARY][NEWLINE]user: What if my parents don't want to provide the required information for the FAFSA form, can I submit it without that info?[NEWLINE]agent: You could, but take into consideration that you would not receive an EFC and some state-school-based aid programs look at the EFC to determine your eligibility for their funds, if you don't have an EFC then you won't be eligible for those aid programs.[NEWLINE][BOUNDARY][NEWLINE]user: And what if my parents live in one of the Freely Associated States?[NEWLINE]agent: Ask them to enter the Amount of Wages Earned from their Freely Associated States tax form in the field where the FAFSA form asks for adjusted gross income.[NEWLINE]user: Another doubt I have is, what if my parents do not have a social security number?


user: Would there be any problem if I can't provide the parent information on the FAFSA form?[NEWLINE]agent: Are there any special circumstances that impede you from getting that information?[NEWLINE]user: Not really.[NEWLINE][BOUNDARY][NEWLINE]user: Just curious on what to do or what to recommend others to do in case I'm confused with some of the questions and circumstances. Like, what to do if the parent doesn't live in the U.S?[NEWLINE]agent: Ok, well, in case your parents live abroad you can select "Foreign Country" from the dropdown box for the question that asks about the parent's state of legal residence.[NEWLINE][BOUNDARY][NEWLINE]user: Going back to my question about what to do if I can't get the parent information, What would you recommend on this?[NEWLINE]agent: When you fill the FAFSA form online or in the app, there is an option to indicate that you have special circumstances that make you unable to get your parent information. If you use this option you'll be able to submit the FAFSA form without the parent information.[NEWLINE]user: So that option is available both on the myStudentAid app and on the website?[NEWLINE]agent: Yes, that's correct. Whether you fill your form online or through the app you'll get asked if you are able to provide information about your parents.[NEWLINE]user: Would that create any disadvantage? to submit the form without the parent information?


user: I am completing the forms for Federal Student Aid and my unable to provide my parents information. Will this affect my application?[NEWLINE]agent: In certain circumstances if you are unable to provide parent information you may be able to submit your FAFSA without parent information despite being considered a dependent student. Are you considered a dependent student?[NEWLINE]user: Yes I am considered a dependent student.[NEWLINE]agent: Are your parents incarcerated?[NEWLINE]user: No they are not.[NEWLINE]agent: Have you left home as a result of an abusive family environment?[NEWLINE]user: No that is not the case.[NEWLINE]agent: Do you know where your parents are and are unable to contact them?[NEWLINE]user: No I know where my parents are.[NEWLINE]agent: Are you older than 21 but not yet 24, unaccompanied and either homeless or self-supporting and at risk of being homeless?[NEWLINE]user: No that does not apply to me.


user: My circumstances are different in that I cannot provide parental information on my FAFSA form, is there anything I can do?[NEWLINE]agent: Are you classed as a dependent student?[NEWLINE]user: Yes, I am a dependent[NEWLINE]agent: Are your parents not able to provide information on your FAFSA form due to being incarcerated?[NEWLINE]user: No, thankfully![NEWLINE]agent: Have you moved out of home due to an abusive family environment?[NEWLINE]user: No, I don't fall into this category either[NEWLINE]agent: Are you in a situation where you can't provide parental information because you do not know where your parents are, that you can't contact them and you have not been adopted?[NEWLINE]user: No, this is not my situation either[NEWLINE]agent: Do you fall into the category of being older than 21 but younger than 24 and are either homeless or are self-supporting and at risk of being homeless?[NEWLINE]user: No, again, I do not fit into this category


user: I have problems in my family and I want to know if I need to provide parent information[NEWLINE]agent: Do you know the situations under which you don't need to submit your FAFSA form without parent information?[NEWLINE]user: Yes but I need to confirm that[NEWLINE]agent: Are your parents incarcerated?[NEWLINE]user: Not at all[NEWLINE]agent: Have you left home due to an abusive family environment?[NEWLINE]user: No, neither.[NEWLINE]agent: You don't know where your parents are and you can't contact them and you haven't been adopted?[NEWLINE]user: No, that's not correct.[NEWLINE]agent: Are you over 21 but not yet 24, unaccompanied and homeless, or self-sufficient and at risk of being homeless?[NEWLINE]user: Yes, that's my problem.[NEWLINE]agent: Null[NEWLINE]user: What if I am completing the FAFSA online or in the myStudentAid app?


user: Hi there. I'm looking some help related to the information I need to provide on my student aid loan apply form, about me and my parents.[NEWLINE]agent: Sure, no problem. You need to have present who counts as your parents when you file your fafsa form.[NEWLINE]agent: Are you dependent of your parents?[NEWLINE]user: Not, pretty much, that's why I have some doubts about it.[NEWLINE]agent: Ok, no problem.  There is a stepparent currently married to your legal parent?[NEWLINE]user: Yes, that's right, Is that important?[NEWLINE]agent: Yes, in that cases, you need to provide the information of him or her too.[NEWLINE][BOUNDARY][NEWLINE]user: And what happens if I can't provide some this information?[NEWLINE]agent: Depending of the circumstances, you may be able to submit your fafsa form without some of your parent information despite being considered a dependent student. Did you know that?[NEWLINE]user: I have kinda heard about that, but I wasn't very sure.[NEWLINE]agent: Is any of your parents incarcerated?[NEWLINE]user: Yes, that's right.[NEWLINE]agent: In that case you can provide your fafsa form with some the information related to your parents.[NEWLINE][BOUNDARY][NEWLINE]user: Do I have to say which of them is on jail?


user: Hey there. I would like to know information about the information I need to give in a student aid form.[NEWLINE]agent: Sure, no problem. You need to know about who counts as yours parents for your fafsa form.[NEWLINE]agent: Are you a dependent student?[NEWLINE]user: Yes, I think that I count as a dependent student.[NEWLINE]agent: OK, no problem. A legal parent is your biological or adoptive parent, or your legal parent as determined by the state.[NEWLINE]user: I will have to provide all the information about my parents on my form?[NEWLINE]agent: Yes, the most information will help you to create a profile of you.[NEWLINE][BOUNDARY][NEWLINE]user: What if I have a stepparent?[NEWLINE]agent: There is no problem. Is your stepparent married with your legal parent?[NEWLINE]user: No they are not still married.[NEWLINE][BOUNDARY][NEWLINE]user: How do I do if my parents are separated?


user: I need help with the fafsa parent part[NEWLINE]agent: I can help you with who has to provide parent information on the FAFSA form, and learn what to do if you aren’t in contact with your parents[NEWLINE][BOUNDARY][NEWLINE]user: what if I live away from my parents?[NEWLINE]agent: You will still have to answer the questions about your parents if you are considered a dependent student.[NEWLINE][BOUNDARY][NEWLINE]user: do I answer them if I am not a dependent?[NEWLINE]agent: Have you figured out that you are not a dependent for federal student aid purposes?[NEWLINE]user: no, but I don't think I am a dependent[NEWLINE][BOUNDARY][NEWLINE]user: what can I look at to figure out if I'm dependent or independent?[NEWLINE]agent: There is a worksheet to help students determine their dependency status when filling out the FAFSA form[NEWLINE][BOUNDARY][NEWLINE]user: how do I answer the veteran question if I will be one soon but not yet?


user: I want to be considered on my own because my mom isn't going to help me with college and my forms[NEWLINE]agent: You can not be considered independent of your mother just because she refuses to help you with this process[NEWLINE]agent: Are you having difficulty getting her information for the FAFSA forms?[NEWLINE]user: yes, I can't get it[NEWLINE]agent: If you can't get her information the application will be considered rejected and you might not be able to receive any federal student aid. The most you would be able to get would be a loan called an unsubsidized loan.[NEWLINE][BOUNDARY][NEWLINE]user: but she is nasty and I can't get her to help, what should I do?[NEWLINE]agent: So you have no way of contacting your mom and getting her to help you?[NEWLINE]user: yes, that is the situation I am in[NEWLINE]agent: Fill out the FAFSA form and then immediately get in touch with the financial aid office at the school you plan to attend. The financial aid office will tell you what to do next.[NEWLINE][BOUNDARY][NEWLINE]user: why do you need her info anyway?[NEWLINE]agent: This is just a way of looking at everyone in a consistent manner to evaluate information.[NEWLINE]user: can I do the filling in on the form for them?


user: Hi there. I'm looking information about the information I need to report on my fafsa form, about my parents.[NEWLINE]agent: Sure, no problem. Are your legal parent married?[NEWLINE]user: Yes, they are. And they live together.[NEWLINE]agent: Good, then you should report the information about them.[NEWLINE][BOUNDARY][NEWLINE]user: The problem is that I have not contact with them and I don't know exactly where they are living right now.[NEWLINE]agent: In that case. You just need to fill the fafsa form, and get in contact with financial aid office at the college, and they will tell you what to do next.[NEWLINE][BOUNDARY][NEWLINE]user: But I can do this even when I don't live with them and they don't claim me in their tax forms?[NEWLINE]agent: Yes, it doesn't matters, because even with that, you are not considered as a independent student for purposes of applying for the federal student aid.[NEWLINE][BOUNDARY][NEWLINE]user: And what happen if they don't want to help pay for college or want to give me their information?[NEWLINE]agent: It doesn't make you independent of them, not even in those cases.[NEWLINE]user: And what happens if I don't provide the information?


user: Hi there. I'm looking about information related to what can I do if my parents don't want to pay for my college.[NEWLINE]agent: You need to know that you can't consider yourself independent of your parents just because they don't to help you with this process.[NEWLINE]agent: Do you know what would happen if you don't provide their information, right?[NEWLINE]user: I have an idea about it.[NEWLINE]agent: You need to know that your application may be considered rejected.[NEWLINE][BOUNDARY][NEWLINE]user: But I have no contact with my parents because I have left my home due to an abusive situation.[NEWLINE]agent: In that case, you need to fill your fafsa form anyway and get in contact immediately with the financial aid office at the college or career school you plan to attend and then know what to do next.[NEWLINE]user: But what can I do if I have no contact at all with my parents?[NEWLINE]agent: You need to fill your fafsa form and keep with the process.[NEWLINE][BOUNDARY][NEWLINE]user: But this is really mandatory? I mean the parents information.[NEWLINE]agent: Yes, the parents information is used in determinating eligibility for programs such as health professions.[NEWLINE][BOUNDARY][NEWLINE]user: So, one way or another I have to answer the questions about them?


user: What happens if I have no contact with my parents for FSA?[NEWLINE]agent: Do you have absolutely no contact with your parents and not know where they live?[NEWLINE]user: Yes, I do not know where they live and have no contact.[NEWLINE]agent: You can fill out the FAFSA form and then quickly get in touch with the financial aid office at the school you will be attending and they will help you.[NEWLINE][BOUNDARY][NEWLINE]user: What is the financial student aid programs based on?[NEWLINE]agent: The FSA is based on the idea that it is mainly your and your family's responsibility to pay for your education.[NEWLINE][BOUNDARY][NEWLINE]user: What if I left home because of an abusive relationship with my parents?[NEWLINE]agent: You would still have to contact your school financial aid office and explain this to them immediately after you have filled out FAFSA form.[NEWLINE][BOUNDARY][NEWLINE]user: Do you have the any way for me to see what questions determine my dependency status?[NEWLINE]agent: Yes, the questions are in a graphic format and then for 2020-2021 specifically in a table of dependency status.[NEWLINE][BOUNDARY][NEWLINE]user: What is the parent information used for?


user: I'm getting ready to fill out my FAFSA form and I have some questions about parent information.[NEWLINE]agent: I can assist you with that. Are your parents married to each other, or living together?[NEWLINE]user: No. They are divorced.[NEWLINE][BOUNDARY][NEWLINE]user: What if I don't provide information about my parents in my FAFSA form?[NEWLINE]agent: In that case, your application will be rejected and you might not be eligible to receive any financial aid.[NEWLINE][BOUNDARY][NEWLINE]user: Do I need to fill out this information, even though I no longer live with my parents?[NEWLINE]agent: If you are considered a dependent student, then yes, you still need to provide the information.[NEWLINE][BOUNDARY][NEWLINE]user: II am currently serving in the U.S. army and will be until June 30th, 2021. Do I mark yes or no, for veteran status?[NEWLINE]agent: In your case, you should mark no.[NEWLINE]user: I'm not considered homeless, but I am self-supporting. Do I mark the homeless question as yes or no?


user: Yes, can you tell me the difference between a dependent student and an independent student?[NEWLINE]agent: Of course. To decide that, read the definitions, find out who has to provide parent information on the FAFSA form, and learn what to do if you aren't in contact with your parents.[NEWLINE][BOUNDARY][NEWLINE]user: My form looks different than the one my friend had last year.Where can I find up to date questions regarding my status?[NEWLINE]agent: On our website you'll find the questions that determine your dependency status, first in a graphic format and then for 2020/21 specifically in a table of dependency status questions.[NEWLINE][BOUNDARY][NEWLINE]user: How should I fill out the dependency status questions on my form then?[NEWLINE]agent: You are not a veteran if you 1 have never engaged in active duty including basic training in the U.S. armed forces, 2 are currently a Reserve Officers Training Corps ROTC student or a cadet or midshipman at a service academy, 3 are a National Guard or Reserves enlistee activated only for state or training purposes, or 4 were engaged in active duty in the U.S. armed forces but released under dishonorable conditions and should answer with "no".[NEWLINE][BOUNDARY][NEWLINE]user: What if I'm a dependent student?[NEWLINE]agent: Then you will report your and your parents information.[NEWLINE][BOUNDARY][NEWLINE]user: What if I answered "No" to all questions?[NEWLINE]agent: Did you answer "no" to all questions?


user: How can I tell the difference between a dependent student and an independent student?[NEWLINE]agent: Read the definitions, find out who has to provide parent information on the FAFSA form, and learn what to do if you aren't in contact with your parents.[NEWLINE][BOUNDARY][NEWLINE]user: What if my parents don't want to help me pay for college?[NEWLINE]agent: Well, you can't be considered independent of your parents just because they refuse to help you with this process.[NEWLINE]agent: Can't you provide their information on the FAFSA form?[NEWLINE]user: Yes, I can't. They refuse to give me all information that is needed.[NEWLINE]agent: In that case the application will be considered rejected, and you might not be able to receive any federal student aid. The most you would be able to get depending on what the financial aid office at your college decides would be a loan called an unsubsidized loan.[NEWLINE][BOUNDARY][NEWLINE]user: Could it be that the questions on the form change each year? My friend tried to help me by showing me his form from last year, but some questions were different.[NEWLINE]agent: Yes, questions may change depending on the year. You'll find the questions that determine your dependency status on our website, first in a graphic format and then for 2020/21, specifically in a table of dependency status questions.[NEWLINE][BOUNDARY][NEWLINE]user: How can I tell the difference between a dependent student and an independent student again?[NEWLINE]agent: Read the definitions, find out who has to provide parent information on the FAFSA form, and learn what to do if you aren't in contact with your parents.[NEWLINE][BOUNDARY][NEWLINE]user: What if I have answered that I'm a dependent student?


user: Can I be considered independent if my parents don't help me pay for college and refuse to provide information for my FAFSA?[NEWLINE]agent: You cannot be considered independent from your parents just because they refuse to help you with this process.[NEWLINE]user: What if I don't provide my information on the FAFSA?[NEWLINE]agent: the application will be considered rejected, and you may not be able to receive any federal student aid. The most you could get depending on what your college financial aid office decides would be a loan called an unsubsidized loan.[NEWLINE]user: ok what can i do then?[NEWLINE]agent: As I mentioned the most you could get depending on what the financial aid office of your university decides would be a loan called an unsubsidized loan.[NEWLINE][BOUNDARY][NEWLINE]user: Does this resource prove that I am dependent or independent?[NEWLINE]agent: effectively Worksheet to help students determine their dependency status by completing the FAFSA.[NEWLINE][BOUNDARY][NEWLINE]user: What happens if I do not have contact with my parents?[NEWLINE]agent: you have no contact with your parents and you don't know where they live?[NEWLINE]user: correct i don't know anything about them


user: I want info on loan consolidation to get out of a default[NEWLINE]agent: You can consolidate your defaulted federal student loan into a Direct Consolidation Loan. Loan consolidation allows you to pay off one or more federal student loans with a new consolidation loan[NEWLINE]agent: Are you looking to consolidate a defaulted federal student loan into a new Direct Consolidation Loan?[NEWLINE]user: I would like to do that[NEWLINE]agent: null[NEWLINE]user: so I need to make 3 payments before consolidating or how does that work?[NEWLINE]agent: You need the payments to consolidate then the required payment amount will be determined by your loan holder[NEWLINE]user: then what happens after it is consolidated?[NEWLINE]agent: Your Direct Consolidation Loan will be eligible for benefits such as deferment, forbearance, and loan forgiveness. You’ll also be eligible to receive additional federal student aid.[NEWLINE]user: so I can join two loans into one with this?[NEWLINE]agent: Loan consolidation allows you to pay off one or more federal student loans with a new consolidation loan[NEWLINE]agent: Did you want reconsolidate a defaulted Direct Consolidation Loan?[NEWLINE]user: yes


user: Can I get help with my defaulted student loan?[NEWLINE]agent: Do you need help with your defaulted loan?[NEWLINE]user: No, I have no idea who I should contact for my defaulted student loan help.[NEWLINE][BOUNDARY][NEWLINE]user: Can you tell me what happens after my defaulted loan has been consolidated?[NEWLINE]agent: Actually, you Direct Consolidation Loan will be eligible for benefits such as deferment, forbearance, and possibily loan forgiveness and you could also be eligible for more federal student aid.[NEWLINE][BOUNDARY][NEWLINE]user: Will my wage garnishments from my loan holder last under loan rehabilitation?[NEWLINE]agent: Yes, wage garnishments or any involuntary payments could continue even after you have been making payments under the loan rehabilitation agreement but they will not be counted toward your mandatory nine payments.[NEWLINE][BOUNDARY][NEWLINE]user: What will happen if I rehabilitate a defaulted loan?[NEWLINE]agent: Your default will be taken off your credit history; but your credit history from your late payments will still be on it.[NEWLINE][BOUNDARY][NEWLINE]user: Is there a particular plan I can repay my Direct Consolidation Loan?


user: I need to know what to do about my loan which I defaulted.[NEWLINE]agent: There are multiple options to get out of default.[NEWLINE]agent: Have you failed to make payments on your federal student loan?[NEWLINE]user: Not really.[NEWLINE]user: Has COVID-19 impacted my loan repayment?[NEWLINE]agent: Yes the Collection Activity and Temporary 0 % Interest on your loan is in place as a result of the current COVID-19 pandemic.[NEWLINE][BOUNDARY][NEWLINE]user: How is the amount of my loan repayment calculated?[NEWLINE]agent: The amount of your discretionary income is calculated by examining your adjusted gross income from your most recent federal income tax return that exceeds 150 percent of the poverty guideline amount for your state and family size.[NEWLINE][BOUNDARY][NEWLINE]user: Will being in default affect my future financial status?[NEWLINE]agent: Yes the consequences may affect your financial future so it is best to find out how to get out of default and take steps now.[NEWLINE][BOUNDARY][NEWLINE]user: What does it mean when my defaulted loan has been consolidated?


user: what should I do if I'm in default on your federal student loan?[NEWLINE]agent: Don't get discouraged. You have multiple options to get out of default.[NEWLINE]agent: Are you in default?[NEWLINE]user: Right now no, but I could be soon.[NEWLINE]user: Had the U.S. Department of Education ED stop collection activity during the COVID-19 national emergency?[NEWLINE]agent: Yes, the U.S. Department of Education ED has stopped collection activity on defaulted federally owned student loans and/or grant overpayments. In addition, interest is temporarily set at 0 % on defaulted federally owned student aid debt.[NEWLINE][BOUNDARY][NEWLINE]user: What happens if I choose to make three payments on the defaulted loan before you consolidate it?[NEWLINE]agent: choose to make three payments on the defaulted loan before you consolidate it.[NEWLINE][BOUNDARY][NEWLINE]user: What is the rehabilitation of the loan?[NEWLINE]agent: There are different programs for this. William D. Ford Federal Direct Loan (Direct Loan) Program and Federal Family Education Loan (FFEL) Program[NEWLINE][BOUNDARY][NEWLINE]user: How much can I pay to consolidate my loan?


user: I could use help with a loan that is giving me problems[NEWLINE]agent: Do you need help with your defaulted loan?[NEWLINE]user: no I need more information on what I can do and such[NEWLINE][BOUNDARY][NEWLINE]user: how do I work on paying my defaulted Perkins loan?[NEWLINE]agent: You will need to make a full monthly payment each month, within 20 days of the due date, for nine consecutive months. Your required monthly payment amount is determined by your loan holder.[NEWLINE]user: where do I go for more info on this?[NEWLINE]agent: I can show you where to go for information about your Perkins Loan[NEWLINE][BOUNDARY][NEWLINE]user: what about Direct Consolidation loans, can we choose our repayment plan on those?[NEWLINE]agent: Yes, if you make three voluntary, on-time, full monthly payments before consolidating, you can choose from any of the repayment plans available to Direct Consolidation Loan borrowers.[NEWLINE]user: can we get more help since COVID-19 is affecting so many people and our finances?


user: Are there options if I am in default on my federal student loans?[NEWLINE]agent: Yes, you have many options to help you get out of default on your federal student loans.[NEWLINE]agent: Have you failed to make your payments on your federal student loans?[NEWLINE]user: Yes, I have not made payments lately and are in default.[NEWLINE]agent: You can find out how to get out of default and not let your current consequences of default ruin your financial future.[NEWLINE][BOUNDARY][NEWLINE]user: What happens after defaulted loans have been consolidated?[NEWLINE]agent: Your Direct Consolidation Loan will be eligible for benefits such as deferment, forbearance, and loan forgiveness and you could receive additional financial aid; and the defaulted loan would still be on your record of credit history.[NEWLINE][BOUNDARY][NEWLINE]user: What are the actual benefits to me with loan rehabilitation?[NEWLINE]agent: Are you asking the benefits of when a student loan is in rehabilitation?[NEWLINE]user: Yes, that is what I want to know.[NEWLINE]agent: The default status will be removed from your loan and any garnishments will be stopped.[NEWLINE]user: Will eligibility for additional benefits be available for me again?


user: Hey there, I need to know a few things about loan consolidation.[NEWLINE]agent: Of course. Another option for getting out of default is to consolidate your defaulted federal student loan into a Direct Consolidation Loan. Loan consolidation allows you to pay off one or more federal student loans with a new consolidation loan.[NEWLINE]agent: Would you like to know how to consolidate a defaulted federal student loan into a new Direct Consolidation Loan?[NEWLINE]user: No, thank you.[NEWLINE][BOUNDARY][NEWLINE]user: I'd like to know something else. What can you tell me about repayment in full?[NEWLINE]agent: Well, a third option for getting out of default is to repay the full amount of your defaulted student loan.[NEWLINE][BOUNDARY][NEWLINE]user: What if I want to consolidate a defaulted plus loan that I got for my son's education?[NEWLINE]agent: The only income-driven plan you can choose is the Income-Contingent Repayment Plan (ICR).[NEWLINE]user: Ah, I see. So what do I need to do to reconsolidate a defaulted direct consolidation loan then?[NEWLINE]agent: You must also include at least one other eligible loan in the consolidation in addition to meeting one of two requirements.[NEWLINE][BOUNDARY][NEWLINE]user: Makes sense, but how can I rehabilitate a defaulted Federal Perkins Loan?


user: Hello there. What can you tell me about repaying the loan in full?[NEWLINE]agent: Well, a third option for getting out of default is to repay the full amount of your defaulted student loan.[NEWLINE]user: What if I don't have my loan holders contact information to make a payment?[NEWLINE]agent: Simply log in and select "view loan servicer details".[NEWLINE][BOUNDARY][NEWLINE]user: How can I get help with my defaulted loan?[NEWLINE]agent: Do you need help with your defaulted loan?[NEWLINE]user: Yes, I do.[NEWLINE]agent: Then you will need to contact the holder of your defaulted loan. Find out who holds your loan by logging in and selecting "view loan servicer details". Remember: StudentAid.gov does not include information about any private student loans you may have received.[NEWLINE][BOUNDARY][NEWLINE]user: What if consolidate a defaulted loan?[NEWLINE]agent: In that case the record of the default as well as late payments reported before the loan went into default will remain in your credit history. Late payments will remain on your credit report for seven years from when they were first reported. It's important that you fully understand loan rehabilitation and loan consolidation before making your decision.[NEWLINE][BOUNDARY][NEWLINE]user: Sounds good. Can I also reconsolidate a defaulted FFEL Consolidation Loan?


user: I wanted to look into consolidating my school loans[NEWLINE]agent: A good way of getting out of default is to consolidate your defaulted federal student loan into a Direct Consolidation Loan. It allows you to pay off one or more federal student loans with a new consolidation loan.[NEWLINE]user: What do I need to do to consolidate?[NEWLINE]agent: There a few ways to get started[NEWLINE]user: can a parent consolidate a defaulted plus loan for their kid's schooling?[NEWLINE]agent: The only income-driven plan they can choose is the Income-Contingent Repayment Plan[NEWLINE]user: can we do the loan consolidation with only one loan?[NEWLINE]agent: Yes, loan consolidation allows you to pay off a federal student loan with a new consolidation loan[NEWLINE]agent: Have you decided to make three payments on a defaulted loan before you consolidate it?[NEWLINE]user: no, I'm not there yet[NEWLINE]user: what comes next after I choose something like an income-driven plan for repayment?


user: can I get a loan if I'm poor?[NEWLINE]agent: You probably can, students may be eligible to receive subsidized and unsubsidized loans based on their financial need.[NEWLINE][BOUNDARY][NEWLINE]user: what are important dates I should know?[NEWLINE]agent: Loans first disbursed prior to Oct. 1, 2017, have different loan fees[NEWLINE][BOUNDARY][NEWLINE]user: when do we start paying back the loan?[NEWLINE]agent: Have you graduated from college?[NEWLINE]user: no, not even started yet[NEWLINE][BOUNDARY][NEWLINE]user: what else do I need to get my loan?[NEWLINE]agent: Are you planning on getting federal student loans with your financial aid?


user: What types of low cost loans does the US Department of Education offer to students to help cover cost of college?[NEWLINE]agent: The US Department of Education offers students subsidized and unsubsidized loans based on their financial need if they are eligible.[NEWLINE][BOUNDARY][NEWLINE]user: Who pays the interest on a Direct Subsidized Loan?[NEWLINE]agent: Actually the U.S Department of Education pays the interest on a Direct Subsidized Loan.[NEWLINE][BOUNDARY][NEWLINE]user: Is it ever possible for me to cancel a loan because I decided I do not need it?[NEWLINE]agent: Absolutely, if you do it before your money is disbursed you can cancel all or part of your loan at any time.[NEWLINE][BOUNDARY][NEWLINE]user: How do I apply for a loan?[NEWLINE]agent: Would you like to apply for a Direct Loan?[NEWLINE]user: Yes, I want to apply for a Direct Loan.[NEWLINE]agent: You must first complete and submit the FAFSA form and your school will use the info to determine how much student aid you are eligible for and the Direct Loan is usually included as part of the financial aid package.[NEWLINE][BOUNDARY][NEWLINE]user: What if I want to cancel my loan because it is less than I need?


user: how can I get a low-interest loan to help cover the cost of college?[NEWLINE]agent: Students may be eligible to receive subsidized and unsubsidized loans based on their financial need.[NEWLINE][BOUNDARY][NEWLINE]user: how can I be eligible?[NEWLINE]agent: If the total loan amount you receive over the course of your education reaches the aggregate loan limit, you are not eligible to receive additional loans. However, if you repay some of your loans to bring your outstanding loan debt below the aggregate loan limit,  you could then borrow again, up to the amount of your remaining eligibility under the aggregate loan limit.[NEWLINE][BOUNDARY][NEWLINE]user: What happens if I received a Direct Subsidized Loan that was first disbursed on February 15, 2014?[NEWLINE]agent: you will be responsible for paying any interest that accrues during your grace period.[NEWLINE][BOUNDARY][NEWLINE]user: What additional steps must I take to receive my loan?[NEWLINE]agent: Do your financial aid package includes federal student loans?[NEWLINE]user: No[NEWLINE][BOUNDARY][NEWLINE]user: Where can I find information about the student loans I ve received?


user: Have a good day. I been searching information about the loans how they help students.[NEWLINE]agent: Sure, this s avery important part for students this days. Students may be eligible to receive subsidized and unsubsidized loans based on their financial needs.[NEWLINE]user: And what are this loans?[NEWLINE]agent: The loans in both forms, are federal aid to help students to cover cost of higher education at a four year college or university, community college, or trade, career or technical school.[NEWLINE]user: And who is in charge of this?[NEWLINE]agent: The u.s. department of education is the one who offers eligibility.[NEWLINE][BOUNDARY][NEWLINE]user: And when do I have to start paying this loan?[NEWLINE]agent: After you graduate or leave the school, you need to start paying back the loan. Are you already graduated?[NEWLINE]user: No, not yet.[NEWLINE][BOUNDARY][NEWLINE]user: What happens, if I'm a dependent student of my parents and they are not eligible for a direct plus loan?


user: I need to know if I qualify for a low-interest student loan.[NEWLINE]agent: I can help you with that. Low interest loans for students are based on their financial need.[NEWLINE][BOUNDARY][NEWLINE]user: Can I qualify if I'm enrolled in a two year associate degree program?[NEWLINE]agent: Absolutely, but the maximum period that you can receive Direct Subsidized Loans is three years.[NEWLINE][BOUNDARY][NEWLINE]user: What a Direct Subsidized Loan be beneficial for me, if I'm only going to school part time?[NEWLINE]agent: Yes, this would be a good choice for you. Direct Subsidized Loans are also great for those who enter a period of deferment of their loan payments.[NEWLINE]user: Who is eligible for a Direct Subsidized Loan?[NEWLINE]agent: These loans are for undergraduate students with financial need.[NEWLINE][BOUNDARY][NEWLINE]user: How will I be contacted after I receive the loan?[NEWLINE]agent: Have you received a Direct Loan?[NEWLINE]user: Yes, I will be.


user: I have some questions about low-interest loans for college students.[NEWLINE]agent: I can assist you with those. Your eligibility for one of these loans will be determined by your financial need.[NEWLINE][BOUNDARY][NEWLINE]user: This will be my first time getting a Direct Loan. What do I need to do?[NEWLINE]agent: Are you familiar with the requirements to obtain a Direct Loan?[NEWLINE][BOUNDARY][NEWLINE]user: Yes. What kind of loan repayment plans are available to me?[NEWLINE]agent: There are several options. Your loan servicer will help you choose the repayment option that is best for you. In most cases, you will have between 10 to 25 years to repay the loan.[NEWLINE][BOUNDARY][NEWLINE]user: How do I know if I'm eligible for a Direct Subsidized Loan?[NEWLINE]agent: Are you also interested in your eligibility for a Direct Unsubsidized Loan?[NEWLINE]user: No. I'm not interested.[NEWLINE][BOUNDARY][NEWLINE]user: How is my maximum eligibility period determined?


user: I came here seeking information about loans for students. Maybe you can help me with that.[NEWLINE]agent: Of course. Students may be eligible to receive subsidized and unsubsidized loans based on their financial need.[NEWLINE][BOUNDARY][NEWLINE]user: How much money can I borrow?[NEWLINE]agent: Your school determines the loan type, if any, and the actual loan amount you are eligible to receive each academic year.[NEWLINE]agent: Are you a dependent student whose parents are ineligible for a Direct PLUS Loan?[NEWLINE]user: No, I'm not.[NEWLINE][BOUNDARY][NEWLINE]user: Are direct unsubsidized loans available to undergraduate students?[NEWLINE]agent: Yes, Direct Unsubsidized Loans are available to undergraduate and graduate students; there is no requirement to demonstrate financial need.[NEWLINE][BOUNDARY][NEWLINE]user: Do I need to sign a loan contract for my first direct loan?[NEWLINE]agent: Yes, you'll need to sign a loan contract called a Master Promissory Note, agreeing to the terms of the loan.[NEWLINE][BOUNDARY][NEWLINE]user: Do you offer an overview of Direct Subsidized Loans?


user: I would like to be eligible for low interest loans to eligible students[NEWLINE]agent: Students may be eligible for subsidized and unsubsidized loans based on their financial needs.[NEWLINE][BOUNDARY][NEWLINE]user: and how much can i borrow?[NEWLINE]agent: Try This Resource Federal Student Loan Programs Lists federal student loan programs with loan details and award limits.[NEWLINE][BOUNDARY][NEWLINE]user: What should I do if it is the first time that I receive a Direct Loan[NEWLINE]agent: do you want to know what to do?[NEWLINE][BOUNDARY][NEWLINE]user: yes and also yes Is there a time limit on how long I can receive loans?[NEWLINE]agent: Are you a first-time borrower as of July 1, 2013?[NEWLINE]user: no in this case no[NEWLINE]agent: Has a limit been applied to you?[NEWLINE]user: yes


user: What type of loans does the U.S. Department of Education offer students?[NEWLINE]agent: The U.S. Department of Education offers low-interest loans to eligible students. Students may be eligible to receive subsidized and unsubsidized loans based on their financial need.[NEWLINE][BOUNDARY][NEWLINE]user: Are interest rates on loans fixed for the life of the loan?[NEWLINE]agent: Some are. You can find out how interest is calculated on the website.[NEWLINE][BOUNDARY][NEWLINE]user: What are the requirements to be eligible for a Direct Subsidized Loan?[NEWLINE]agent: You must be enrolled at least half-time at a school that participates in the Direct Loan Program. You must also be enrolled in a program that leads to a degree or certificate awarded by the school. Direct Subsidized Loans are available only to undergraduate students who need financial aid.[NEWLINE][BOUNDARY][NEWLINE]user: Is there something else that I need to do in order to receive my loan?[NEWLINE]agent: If your financial aid package includes a federal student loan your school or college will tell you haw to accept the loan.[NEWLINE]user: Thank you I will contact my college.[NEWLINE]agent: Yes that is the best thing to do.[NEWLINE][BOUNDARY][NEWLINE]user: I am an undergraduate student, does this allow me to apply for a Direct Subsidized Loan?


user: Good morning. I'm a goods supplier and wanted to know if it's possible to work with you?[NEWLINE]agent: Sure. Help is never enough. Here in Student Aid Acquisitions, we make sure to acquire products and services for Federal Student Aid while reducing cost and maintaining compliance with applicable laws, regulations and executive orders.[NEWLINE][BOUNDARY][NEWLINE]user: That's great. IF i wanted to know more about this, where i should go or use?[NEWLINE]agent: Do you mean, questions about Federal Acquisition's activities?[NEWLINE]user: Not exactly, I would say something more general.[NEWLINE][BOUNDARY][NEWLINE]user: Thanks. By the way, I heard about something called FedBizOpps. Could you tell me more?[NEWLINE]agent: No problem. As you may know, FedBizOpps stands for Federal business opportunities, Government single point of entry for doing federal business. Within FedBizOpps there are copies of request for quotations from proposed contract actions expected to exceed $10,000 but not to exceed $25,000.[NEWLINE][BOUNDARY][NEWLINE]user: Wow, pretty specific there, huh? Alright. Look, I'm a big enthusiast for Information Technologies. Federal Aid has use for it?[NEWLINE]agent: You could say that. Federal Acquisitions relies heavily on IT, so its effective use is a great asset for the program.[NEWLINE][BOUNDARY][NEWLINE]user: That's cool, you know?. Technologies are awesome. Anyway, do you have some schedule for acquisitions?


user: Yes hello please help me find information about what Federal Student Aid Acquisitions is.[NEWLINE]agent: Certainly. It is responsible for ensuring the efficient and economic acquisition of products and services for Federal Student Aid while reducing cost and maintaining compliance with applicable laws, regulations, and Executive Orders.[NEWLINE][BOUNDARY][NEWLINE]user: Can I have their contact information in case I need to reach out?[NEWLINE]agent: Do you have questions regarding Federal Student Aid 's Acquisition activities?[NEWLINE]user: Not at the moment but I might in the future.[NEWLINE][BOUNDARY][NEWLINE]user: Do you have any information on what Contract Solicitations are?[NEWLINE]agent: Contract solicitations, active acquisition synopses, and other information is available at FedBizOpps, the U.S. Government 's single point-of-entry for federal business opportunities.[NEWLINE][BOUNDARY][NEWLINE]user: Where can I find information on future contract opportunities?[NEWLINE]agent: Federal Student Aid prepares an annual forecast, with periodic updates, of expected contract opportunities for each fiscal year. Information on this forecast, as well as other U.S. Department of Education acquisitions, can be found at Forecast of ED Contract Opportunities.[NEWLINE][BOUNDARY][NEWLINE]user: What ballpark figure does FedBizOpps generally offer?


user: What does Federal student Aid Acquisitions do?[NEWLINE]agent: Federal Student Aid Acquisitions plays an important role supporting Federal Student Aid's needs and program objectives.[NEWLINE]user: What is it the Federal Student Aid Acquisition responsible for?[NEWLINE]agent: They are responsible for making sure they are efficient, in compliance with laws, regulations, and Executive Orders.[NEWLINE][BOUNDARY][NEWLINE]user: What does FSA rely on?[NEWLINE]agent: FSA relies heavily on information technology to support complex business process.[NEWLINE][BOUNDARY][NEWLINE]user: Where would I find acquisition notices and contract solicitations?[NEWLINE]agent: Active acquisition synopses, contract solicitations, and other info are available at FedBixOpps; which is the US Government's only point-of-entry for federal business opportunities.[NEWLINE][BOUNDARY][NEWLINE]user: What if I have questions about Federal Student Aid's Acquisition doings?[NEWLINE]agent: Go ahead an e-mail FSA Acquisitions.[NEWLINE]user: Is there a way to contact them?[NEWLINE]agent: Do you have questions for Federal Student Aid's Acquisition activities?


user: what is your purpose?[NEWLINE]agent: Federal Student Aid Acquisitions plays an integral role supporting Federal Students Aid's needs and program objectives. Federal Student Aid Acquisitions is responsible for ensuring the efficient and economic acquisition of products and services for Federal Student Aid while reducing cost and maintaining compliance with applicable laws, regulations, and Executive Orders.[NEWLINE][BOUNDARY][NEWLINE]user: lots of IT involved?[NEWLINE]agent: Yes, Federal Student Aid relies heavily on information technology to support complex business processes. Effective use of IT is essential to many Federal Student Aid acquisitions.[NEWLINE]user: where can I get more info on this?[NEWLINE]agent: You can use the IT Standards Library, it identifies federal, Department and Federal Student Aid specific IT standards directly pertinent to Federal Student Aid's acquisitions.[NEWLINE][BOUNDARY][NEWLINE]user: Is there somewhere to contact anyone for more info?[NEWLINE]agent: Did you have questions regarding Federal Student Aid's Acquisition activities?[NEWLINE]user: no, none right now just wanted to know where to go if I had to[NEWLINE][BOUNDARY][NEWLINE]user: Is there a place to see some of the contracts going on?


user: dfsgfgsdrgfdg[NEWLINE]agent: tryeryertyfgdh[NEWLINE][BOUNDARY][NEWLINE]user: But How does it works?[NEWLINE]agent: All the active acquisition synopses and all the information you may need, is available at fezbizopps, the u.s. government's single point-of-entry for federal business oportunities.[NEWLINE][BOUNDARY][NEWLINE]user: I see. But do you have a contact where I can go?[NEWLINE]agent: For more questions regarding the federal student aid's acquisition activities?you can send us a e-mail.[NEWLINE]user: Alright, I see, but no problem. I have not so many questions about it.[NEWLINE][BOUNDARY][NEWLINE]user: I can apply for this at any time?[NEWLINE]agent: The federal student aid prepares an annual forecast, with periodic updates for each fiscal year.[NEWLINE][BOUNDARY][NEWLINE]user: I see, but there good opportunities here, right?


user: I have some questions about Federal Student Aid.[NEWLINE]agent: I can help you with that. Federal Student Aid Acquisitions play a vital role in supporting Federal Students Aid's needs.[NEWLINE]user: What is Federal Student Aid Acquisitions responsible for?[NEWLINE]agent: They are responsible for ensuring the efficient and economic acquisition of products and services for Federal Student Aid while decreasing costs. They are also responsible for maintaining compliance with laws, regulations, and Executive Orders.[NEWLINE][BOUNDARY][NEWLINE]user: What are Federal Student Aid IT Standards?[NEWLINE]agent: Due to the fact that Federal Student Aid relies heavily on IT to support complex business processes, effective use of IT is essential.[NEWLINE][BOUNDARY][NEWLINE]user: Are all forecasted procurements in the Acquisition Forecast final?[NEWLINE]agent: No. They are subject to revision or cancellation.[NEWLINE][BOUNDARY][NEWLINE]user: Who do I contact if I need additional assistance?[NEWLINE]agent: Do you have more questions about Federal Student Aid's Acquisition activities?[NEWLINE]user: Yes, I do.


user: Can you please give me some information about federal student aid acquisitions?[NEWLINE]agent: Federal Student Aid Acquisitions plays an integral role supporting Federal Students Aid 's needs and program objectives. Federal Student Aid Acquisitions is responsible for ensuring the efficient and economic acquisition of products and services for Federal Student Aid while reducing cost and maintaining compliance with applicable laws, regulations, and Executive Orders.[NEWLINE][BOUNDARY][NEWLINE]user: Is there a way to contact you?[NEWLINE]agent: Do you have any questions regarding Federal Student Aid 's Acquisition activities?[NEWLINE]user: No, at least not yet. I'm sure I will have plenty at a later point of time.[NEWLINE][BOUNDARY][NEWLINE]user: What can you tell me about the acquisition forecast?[NEWLINE]agent: Federal Student Aid prepares an annual forecast, with periodic updates, of expected contract opportunities in excess of the simplified acquisition threshold for each fiscal year. Information on Federal Student Aid's forecast, as well as other U.S. Department of Education acquisitions, can be found at Forecast of ED Contract Opportunities.[NEWLINE][BOUNDARY][NEWLINE]user: What about acquisition notices?[NEWLINE]agent: Active acquisition synopses, contract solicitations, and other information including draft work statements, special notices, sources sought notices, etc., are available at FedBizOpps, the U.S. Government's single point-of-entry for federal business opportunities.[NEWLINE]user: Does that mean that I'll find acquisition synopses at FedBizOpps, to make it brief?


user: Hey, I would like to know how the FSAA can help me as a student.[NEWLINE]agent: Federal Student Aid Acquisitions plays an integral role supporting Federal Students Aid's needs and program objectives. Federal Student Aid Acquisitions is responsible for ensuring the efficient and economic acquisition of products and services for Federal Student Aid while reducing cost and maintaining compliance with applicable laws, regulations, and Executive Orders.[NEWLINE][BOUNDARY][NEWLINE]user: I see. How do I contact you?[NEWLINE]agent: Do you have questions regarding Federal Student Aid's Acquisition activities?[NEWLINE]user: Yes, I do.[NEWLINE]agent: In that case please e-mail FSA Acquisitions.[NEWLINE][BOUNDARY][NEWLINE]user: I'll write them later. What about the acquisition forecast?[NEWLINE]agent: Federal Student Aid prepares an annual forecast, with periodic updates, of expected contract opportunities in excess of the simplified acquisition threshold for each fiscal year. Information on Federal Student Aid's forecast, as well as other U.S. Department of Education acquisitions, can be found at Forecast of ED Contract Opportunities.[NEWLINE][BOUNDARY][NEWLINE]user: What is the IT Standards Library for?[NEWLINE]agent: The IT Standards Library identifies federal, Department and Federal Student Aid specific IT standards directly pertinent to Federal Student Aid's acquisitions.[NEWLINE]user: What are these standards you mentioned?


user: tell me more about work study[NEWLINE]agent: Undergraduate and graduate students with work-study jobs will work part-time on or off campus while enrolled.[NEWLINE]user: but who can qualify?[NEWLINE]agent: It is available to undergraduate, graduate, and professional students with financial need.[NEWLINE][BOUNDARY][NEWLINE]user: would I work at school if I get in?[NEWLINE]agent: You could work on campus or off campus.[NEWLINE]agent: Did you want to work on campus if you participate in work-study?[NEWLINE]user: no I would prefer off campus[NEWLINE]agent: Did you want more information about working off campus?[NEWLINE]user: yes if you can[NEWLINE]agent: If you work off campus your employer will usually be a private nonprofit organization or a public agency, and the work performed will be in the public interest[NEWLINE][BOUNDARY][NEWLINE]user: can I work study if I am a part time student?


user: Hi there. Can I get a Federal Work-Study job to pay my college?[NEWLINE]agent: Yes, you can earn money with Federal Work-Study jobs.[NEWLINE][BOUNDARY][NEWLINE]user: Are jobs off campus?[NEWLINE]agent: Yes. If you work off campus, your employer will usually be a private nonprofit organization or a public agency and the work performed must be in the public interest.[NEWLINE][BOUNDARY][NEWLINE]user: Can I work as many hours as I want?[NEWLINE]agent: Unfortunately not. The amount you earn can't exceed your total Federal Work-Study award[NEWLINE]agent: Do you want to know about work hours assignments?[NEWLINE]user: No, thanks.[NEWLINE][BOUNDARY][NEWLINE]user: What should I do if I want to obtain a Federal Work-Study job?[NEWLINE]agent: Make sure you apply for aid early, since funds are limited.[NEWLINE][BOUNDARY][NEWLINE]user: What kinds of jobs are there?


user: What do work study job help with?[NEWLINE]agent: Undergraduate and graduate students use work-study jobs as part-time employment on or off campus while enrolled at school and help with paying tuition.[NEWLINE][BOUNDARY][NEWLINE]user: What does the work-study programs help with?[NEWLINE]agent: You use the money to pay for your education-related charges such as tuition, fees, and room and board.[NEWLINE][BOUNDARY][NEWLINE]user: Is it all just part-time work?[NEWLINE]agent: Yes, it provide part-time employment while you are in school.[NEWLINE][BOUNDARY][NEWLINE]user: Could I get a job on campus or off campus?[NEWLINE]agent: Actually you could get both.[NEWLINE]agent: Will you be working on campus?[NEWLINE]user: No I am not.[NEWLINE]agent: Then, will you work off campus?[NEWLINE]user: Yes, I am working off campus.


user: Who can use the work-study program?[NEWLINE]agent: It is for undergraduate and graduate students to work part time on or off campus.[NEWLINE][BOUNDARY][NEWLINE]user: Who would I work for under the work study program?[NEWLINE]agent: Most of the time you would be employed by your school.[NEWLINE]user: Would job be available on and off campus?[NEWLINE]agent: Most jobs are on campus but it could be both on or off campus.[NEWLINE]agent: Will you be working on campus?[NEWLINE]user: Yes, that is what I would be doing.[NEWLINE]agent: Then you would normally be employed by the school you are attending.[NEWLINE][BOUNDARY][NEWLINE]user: What is my work-study award based on?[NEWLINE]agent: It is based on when you apply and your level of financial need.[NEWLINE][BOUNDARY][NEWLINE]user: Am I able to work as many hours as I want?


user: I'm here to learn about work study jobs[NEWLINE]agent: Okay, undergraduate and graduate students with work-study jobs will work part-time on or off campus while enrolled.[NEWLINE][BOUNDARY][NEWLINE]user: what do I need to know?[NEWLINE]agent: You need to know that funds are limited so you should apply early for student aid.[NEWLINE]user: Where are the jobs for this?[NEWLINE]agent: They are both on campus and off campus.[NEWLINE]agent: Did you need more info on on campus jobs?[NEWLINE]user: yeah who would I work for at school?[NEWLINE]agent: You will usually work for the school.[NEWLINE]user: and who would I work for if it was off campus?[NEWLINE]agent: Your employer would probably be a private nonprofit organization or a public agency, and the work performed would be in the public interest.[NEWLINE][BOUNDARY][NEWLINE]user: are we paid by the hour?


user: I'm interested in a work-study job, but how long would I need to work?[NEWLINE]agent: Undergraduate and graduate students with work-study jobs will work part-time on or off campus while enrolled.[NEWLINE][BOUNDARY][NEWLINE]user: I understand. Does that mean I'll work on or off campus?[NEWLINE]agent: Both.[NEWLINE]agent: Do you want to work on campus?[NEWLINE]user: Yes, that'd be great.[NEWLINE]agent: In that case you'll usually work for your school.[NEWLINE]user: Makes sense. And what if I was working off campus?[NEWLINE]agent: Then your employer will usually be a private nonprofit organization or a public agency, and the work performed must be in the public interest.[NEWLINE][BOUNDARY][NEWLINE]user: So what kind of jobs can I get?[NEWLINE]agent: The Federal Work-Study Program emphasizes employment in civic education and work related to your course of study whenever possible.[NEWLINE][BOUNDARY][NEWLINE]user: What if I attend a proprietary school, a paid one for example?


user: I want to get a federal work-study job, so I wanted to get some information about it.[NEWLINE]agent: Of course. Undergraduate and graduate students with work-study jobs will work part-time on or off campus while enrolled.[NEWLINE]user: Alright. What else can you tell me about federal work-study jobs?[NEWLINE]agent: They are administered by schools participating in the Federal Work-Study Program.[NEWLINE][BOUNDARY][NEWLINE]user: Does this mean I can work as many hours as I want?[NEWLINE]agent: No. The amount you earn can't exceed your total Federal Work-Study award.[NEWLINE]agent: Are you wondering how work hours are assigned?[NEWLINE]user: Yes, please explain.[NEWLINE]agent: In order to do so, your employer or your school's financial aid office will consider your class schedule and your academic progress.[NEWLINE][BOUNDARY][NEWLINE]user: How can I find out if my school takes part in the work-study program?[NEWLINE]agent: Check with your school's financial aid office to find out if your school participates.[NEWLINE][BOUNDARY][NEWLINE]user: I'll do that. What about jobs that are off campus?


user: I came here to learn more about work-study jobs. Can you please tell me more about those?[NEWLINE]agent: Of course.Undergraduate and graduate students with work-study jobs will work part-time on or off campus while enrolled.[NEWLINE]user: What else can you tell me about work-study jobs?[NEWLINE]agent: They are administered by schools participating in the Federal Work-Study Program. Check with your school's financial aid office to find out if your school participates.[NEWLINE][BOUNDARY][NEWLINE]user: What kinds of jobs exist?[NEWLINE]agent: The Federal Work-Study Program emphasizes employment in civic education and work related to your course of study whenever possible.[NEWLINE][BOUNDARY][NEWLINE]user: Are those jobs on campus or off campus?[NEWLINE]agent: Both. They can be on and off campus.[NEWLINE]agent: Do you plan to work on campus?[NEWLINE]user: Yes, it just seems to be more practical.[NEWLINE]agent: If you work on campus, you'll usually work for your school.[NEWLINE][BOUNDARY][NEWLINE]user: What if I'm a graduate or professional student?


user: I need some work study know how[NEWLINE]agent: Okay, undergraduate and graduate students with work-study jobs will work part-time on or off campus while enrolled at school.[NEWLINE][BOUNDARY][NEWLINE]user: do we get to work for private businesses?[NEWLINE]agent: You might be able to. Some schools might have agreements with private for-profit employers for work-study jobs, but these jobs must be relevant to your course of study.[NEWLINE][BOUNDARY][NEWLINE]user: do we get paid by the hour or a certain amount?[NEWLINE]agent: That depends partly on whether you are an undergraduate or graduate student.[NEWLINE]agent: Are you an undergraduate student?[NEWLINE]user: no[NEWLINE]agent: Are you a graduate or professional student?[NEWLINE]user: I'm a grad student[NEWLINE]agent: You will be paid by the hour or by salary depending on the work you will be doing.[NEWLINE][BOUNDARY][NEWLINE]user: who runs the work study service?


user: Hi. Well, I'm having some problems right now and I would like to know if there is a way that I can stop paying my student loan for a time.[NEWLINE]agent: Sure. Is so sad to know about you are having troubles right now. But the a loan forbearance is an option that allows you to stop making payments for a while, but is better if you find out first if this is the best option for you or if you have the chance to do smaller payments.[NEWLINE]agent: Have you considered this possibilities?[NEWLINE]user: No, I have not. But is a good advice.[NEWLINE][BOUNDARY][NEWLINE]user: And what happens if I don't pay the interest on my student loan, by the way?[NEWLINE]agent: This might become into a higher amount of money you will need to repay over the life of your loan.[NEWLINE][BOUNDARY][NEWLINE]user: I see, but the problems I am having right now, are because the coronavirus crisis. I have some others economics problems too and they are turning very difficult to handle. Are there any kind of alternative?[NEWLINE]agent: Those who have a federal student loan are automatically being placed in an administrative forbearance, which allow them stop making their monthly loan payments.[NEWLINE]user: Oh, that's great to hear. But I can also do smaller payments if I have the chance right?[NEWLINE]agent: That's right. They won't be mandatory, but you are free to do them if you can.[NEWLINE]user: Where else I can go if I have more question about this?


user: Hi there. I'm looking information related to forbearance.[NEWLINE]agent: Would you like to know the requirements for a mandatory forbearance?[NEWLINE]user: Sound interesting, but I would like to know about it later.[NEWLINE][BOUNDARY][NEWLINE]user: I would like to know a little more about the debt burden, can you tell me about that?[NEWLINE]agent: Sure, the total amount you own each month for all the federal student loans you received is 20 percent or more of your total monthly gross income.[NEWLINE][BOUNDARY][NEWLINE]user: I see... But there is a forbearance right now due the virus crisis, right?[NEWLINE]agent: Yes, that's right. This will allow you to temporarily stop making your monthly loan payments.[NEWLINE][BOUNDARY][NEWLINE]user: And what happens in case of a medical or dental internship or residency?[NEWLINE]agent: You'll be serving an internship or resident program and you meet specific requirements.[NEWLINE][BOUNDARY][NEWLINE]user: Is possible to keep the eligibility requirements for the for the forbearance when the period of application is over?


user: How would I go about requesting a forbearance?[NEWLINE]agent: Most forbearances are not automatic and you need to submit a request to your student loan servicer and you must provide your servicer with documentation to show that you meet the requirements for the forbearance you are wanting.[NEWLINE]agent: Do you know what to do certain types of forbearance?[NEWLINE]user: Yes, I am aware I need to show documentation for certain types of forbearance.[NEWLINE]agent: That is great that you know you would need to show documentation for eligibility.[NEWLINE][BOUNDARY][NEWLINE]user: What is the duration of a general forbearance?[NEWLINE]agent: Do you know there are three programs in which you can use a forbearance?[NEWLINE]user: No, i didn't know that.[NEWLINE]agent: Will you be experiencing a hardship when your current forbearance expires?[NEWLINE]user: Yes, I will still be experiencing a hardship.[NEWLINE]agent: Then you will be able to request another general forbearance and a limit of three years on it.[NEWLINE][BOUNDARY][NEWLINE]user: What is the reason a general forbearance would be called another name.


user: What happens with a Mandatory Forbearance?[NEWLINE]agent: Do you meet the requirements for a mandatory forbearance?[NEWLINE]user: Yes, I am eligible for a mandatory forbearance.[NEWLINE]agent: In a mandatory forbearance, your loan servicer is required to grant the forbearance.[NEWLINE]user: What types of loans are eligible for mandatory forbearance?[NEWLINE]agent: eligility would only apply to Direct Loans and FFEL Program loans.[NEWLINE][BOUNDARY][NEWLINE]user: Is there any relief of student loans payment because of COVID-19?[NEWLINE]agent: Yes, federal student loan borrowers are automatically being placed in an administrative forbearance to temporarily stop making loan payments from March 13, 2020 to Sept. 30 2020.[NEWLINE][BOUNDARY][NEWLINE]user: Am I able to get a mandatory forbearance if I am in Medical or Dental Internship or Residency?[NEWLINE]agent: Yes, if you are serving in a medical or dental internship or residency program and meet other requirements.[NEWLINE][BOUNDARY][NEWLINE]user: What is the time frame of a mandatory forbearance?


user: sdfgf[NEWLINE]agent: Sure, but first you need to know that there are two kinds of forbearance: general and mandatory.[NEWLINE][BOUNDARY][NEWLINE]user: Alright. What is the general one?[NEWLINE]agent: It's applies if you can not able to make our payments, but under certain circumstances. For example, are you having financial difficulties?[NEWLINE]user: Oh, I see. But no, I'm not having issues of that kind right now.[NEWLINE]agent: OK. Are having extra medical expenses?[NEWLINE]user: No, not at all, lucky for me.[NEWLINE]agent: Alright. And then, there is any change on your job or in employment?[NEWLINE]user: No, not at all.[NEWLINE]agent: OK. Are there any other reason that could have influences to ask for a forbearance?[NEWLINE]user: Not that I can mention right now.


user: Hello, what can you tell me about teacher loan forgiveness?[NEWLINE]agent: If you are performing teaching service that would qualify you for teacher loan forgiveness.[NEWLINE][BOUNDARY][NEWLINE]user: Great. What is the duration of mandatory forbearances?[NEWLINE]agent: Mandatory forbearances may be granted for no more than 12 months at a time.[NEWLINE]agent: Are you continuing to meet the eligibility requirements for the forbearance when your current forbearance period expires?[NEWLINE]user: Yes, probably.[NEWLINE]agent: Then you may request another mandatory forbearance.[NEWLINE][BOUNDARY][NEWLINE]user: And how do I request such a forbearance?[NEWLINE]agent: Most types of forbearance are not automatic you need to submit a request to your student loan servicer, often using a form. For some types of forbearance, you must provide your student loan servicer with documentation to show that you meet the eligibility requirements for the forbearance you are requesting.[NEWLINE][BOUNDARY][NEWLINE]user: What if I stopped paying when my forbearance is not approved?[NEWLINE]agent: Then your loan will become delinquent and you may go into default.[NEWLINE][BOUNDARY][NEWLINE]user: Are there any alternatives to this?


user: Can you explain how eligibility for a forbearance works, please?[NEWLINE]agent: There are two main types of forbearance: general and mandatory.[NEWLINE][BOUNDARY][NEWLINE]user: How do I know if I can request a forbearance?[NEWLINE]agent: Are you experiencing financial difficulties?[NEWLINE]user: No, all is fine with my finances.[NEWLINE]agent: Do you have medical expenses?[NEWLINE]user: No, I'm healthy.[NEWLINE]agent: Was there a change in employment?[NEWLINE]user: No, my work is the same as before.[NEWLINE]agent: Do you fulfill any other reasons acceptable to your loan servicer?[NEWLINE]user: Yes, I do.[NEWLINE]agent: Then you should be able to get a general forbearance. A general forbearance is sometimes called a discretionary forbearance.[NEWLINE][BOUNDARY][NEWLINE]user: What if I don't pay the interest on my loan and let it be capitalized?


user: Hello there. Can you please explain how I can request a forbearance? I'm not doing so well financially at the moment.[NEWLINE]agent: Most types of forbearance are not automatic. You need to submit a request to your student loan servicer, often using a form.[NEWLINE]user: Are there any other procedures I have to go through for certain types of forbearances?[NEWLINE]agent: Yes. For some types of forbearance, you must provide your student loan servicer with documentation to show that you meet the eligibility requirements for the forbearance you are requesting.[NEWLINE][BOUNDARY][NEWLINE]user: How long does a general forbearance last?[NEWLINE]agent: Are you inquiring for a loan made under one of the three programs?[NEWLINE]user: Yes, I am.[NEWLINE]agent: In that case a general forbearance may be granted for no more than 12 months at a time.[NEWLINE][BOUNDARY][NEWLINE]user: Do I have any other options if I have trouble paying my loan?[NEWLINE]agent: Yes. A better option might be to change to an income-driven repayment plan. Income-driven repayment plans base your monthly payments on your income and family size. In some cases, your payment could be as low as $ 0 per month.[NEWLINE][BOUNDARY][NEWLINE]user: I see. And what can you tell me about teacher loan forgiveness?


user: I've heard that Student Aid has been hit by scams recently. I'd like to know more please.[NEWLINE]agent: Help is freely available to avoid student aid scams and protect your identity while searching for scholarships, filling out the Free Application for Federal Student Aid FAFSA form, managing your loans, and giving information to schools and lenders.[NEWLINE]user: What specifically should I be looking out for?[NEWLINE]agent: One thing to beware of is Student Loan Debt Relief Companies. We have a section on that.[NEWLINE][BOUNDARY][NEWLINE]user: How do they try to scam you?[NEWLINE][BOUNDARY][NEWLINE]agent: Do you think you've been the victim of a Student Loan Scam?[NEWLINE]user: Yes I might have been. I would like to know what it resembles.[NEWLINE]agent: Borrowers have reported receiving phone calls, emails, letters, and/or texts offering them relief from their federal student loans or warning them that student loan forgiveness programs would end soon.[NEWLINE][BOUNDARY][NEWLINE]user: Oh no! How can I tell if my personal student information has been stolen?[NEWLINE]agent: In that case, it is important to act quickly.  Click here for a list of offices that will help you determine what steps to take depending on your situation.[NEWLINE]user: Can you give me an example?


user: I think I might have been contacted by a scam company.[NEWLINE]agent: Did you divulge personal information about your student loan?[NEWLINE]user: You I didn't but it looks suspicious and that's just not right.[NEWLINE][BOUNDARY][NEWLINE]agent: Would you like to know how Student Loan Debt Relief Companies work?[NEWLINE]user: Yes that would be helpful.[NEWLINE]agent: Student loan debt relief companies are private companies that provide or claim to provide student loan management services for a fee. Often these companies are charging for services you can easily manage yourself.[NEWLINE]agent: Have you stopped paying your loans?[NEWLINE]user: No I haven't.[NEWLINE]user: There must be companies that I can trust with this, no?[NEWLINE]agent: Certainly, you can refer to this list of trusted companies that work with ED to provide student loan services.[NEWLINE][BOUNDARY][NEWLINE]user: How can I tell if a company has a good reputation?


user: what can happen to my info if I'm not careful?[NEWLINE]agent: Did you want to know how to reduce your risk of identity theft when applying for aid?[NEWLINE]user: nope[NEWLINE][BOUNDARY][NEWLINE]agent: Do you need to change your FSA ID password?[NEWLINE]user: yes I do[NEWLINE]agent: You will need to log in to your account using your username and password. Then go to your account settings and you will be able to make changes to your account information.[NEWLINE]user: What can someone do if they have my FSA ID info?[NEWLINE]agent: They can make changes to your account without your permission.[NEWLINE][BOUNDARY][NEWLINE]user: Can you also help me with these places that offer to help you with your student loans?[NEWLINE][BOUNDARY][NEWLINE]agent: Do you need help identifying a potential Student Loan scam?[NEWLINE]user: yes I was contacted by a place that doesn't seem legit


user: help me with student info being stolen, cause I'm worried[NEWLINE]agent: Would you like to know how to reduce your risk of identity theft when applying for financial aid?[NEWLINE]user: not for financial aid, all my info you have[NEWLINE][BOUNDARY][NEWLINE]agent: You can protect yourself by having a strong password on your FSA ID.  Do you need help changing your FSA ID password?[NEWLINE]user: no I know how[NEWLINE][BOUNDARY][NEWLINE]agent: Would you like to know how the Department of Education keeps your information safe?[NEWLINE]user: yes that'll help with my concerns[NEWLINE]agent: We value the privacy of your personal information. The information you share with us goes through a process called encryption. Encryption uses a mathematical formula to scramble your data into a format that is unreadable to a hacker.[NEWLINE][BOUNDARY][NEWLINE]user: what do I do if I forgot my security questions to change my password?[NEWLINE]agent: You will need to go through the FSA ID Account Recovery process. You’ll send in copies of identification, and the email address on your account will reset to one you can access.[NEWLINE][BOUNDARY][NEWLINE]user: can we get help with the forms if we have problems?


user: Is there really student aid scams I need to avoid?[NEWLINE]agent: Yes, you should avoid student aid scams and protect your identity while looking for scholarships and FAFSA.[NEWLINE][BOUNDARY][NEWLINE]user: Is there a way to identify student loan scams?[NEWLINE]agent: Some of the scams that have been reported and should be looked out for are phone calls, emails, letters, text offering relief from federal student loans and warning them the forgiveness ends soon.[NEWLINE][BOUNDARY][NEWLINE]user: What should be reported if information gets stolen?[NEWLINE]agent: You should quickly report all lost or stolen IDs to the issuer or even to the police if appropriate.[NEWLINE][BOUNDARY][NEWLINE]user: What should I do if my FSA ID or password has been shared?[NEWLINE]agent: It is best to log in to your account using your username and password and once logged in change your account information so no one else can access it.[NEWLINE]agent: Does someone else have access to your FSA ID information?[NEWLINE]user: No, not that I know of.[NEWLINE][BOUNDARY][NEWLINE]user: What if I have questions or need help with my student loans?


user: I need some advice how to avoid student aid scams.[NEWLINE]agent: Of course. Avoid student aid scams and protect your identity while searching for scholarships, filling out the Free Application for Federal Student Aid (FAFSA) form, managing your loans, and giving information to schools and lenders. FREE help is available.[NEWLINE][BOUNDARY][NEWLINE]user: What about all those student loan debt relief companies? How can I tell the difference between good ones and bad ones?[NEWLINE][BOUNDARY][NEWLINE]agent: Would you like to know how to identify a student loan scam?[NEWLINE]user: No, my question is more specific than that.[NEWLINE][BOUNDARY][NEWLINE]agent: Would you like to know how student loan debt relief companies work?[NEWLINE]user: No, thank you.[NEWLINE][BOUNDARY][NEWLINE]agent: Would you like to see a list of companies banned from debt relief?[NEWLINE]user: No. I mean, that'd be helpful, but it isn't what I came here for.[NEWLINE][BOUNDARY][NEWLINE]user: Let me phrase it this way: how can I  reduce my risk of identity theft when doing my application?


user: Hey there, I need some advice on how to protect my identity. Some of my information was leaked somehow and I'm very concerned.[NEWLINE]agent: Of course. Would you like to know how to reduce your risk of identity theft when applying for aid?[NEWLINE]user: Yes, that'd be great.[NEWLINE]agent: Identity theft can occur when criminals access personal data such as names, Social Security numbers, and bank and credit card information. Using the stolen data, the criminal can illegally obtain credit cards, set up mobile phone accounts and more.[NEWLINE][BOUNDARY][NEWLINE]user: Interesting. And how exactly do student loan debt relief companies work?[NEWLINE]agent: Student loan debt relief companies are private companies that provide or claim to provide student loan management services for a fee. Often these companies are charging for services you can easily manage yourself.[NEWLINE]user: What if I stopped paying my loans all of the sudden?[NEWLINE]agent: In that case your credit could be damaged and your loan balances could balloon.[NEWLINE][BOUNDARY][NEWLINE]user: I see. Do you have any other advice regarding the protection of my identity?[NEWLINE]agent: Yes. Keep your purse or wallet safe at all times; store it and other items containing personal information in a secure place at home, especially if you have roommates.[NEWLINE]user: Even around roommates?


user: I came here to find information about protecting my identity. Can you help me with that, please?[NEWLINE]agent: Of course. Do you want to reduce your risk of identity theft when applying for aid?[NEWLINE]user: Yes, please.[NEWLINE]agent: Identity theft can occur when criminals access personal data such as names, Social Security numbers, and bank and credit card information. Using the stolen data, the criminal can illegally obtain credit cards, set up mobile phone accounts and more.[NEWLINE][BOUNDARY][NEWLINE]user: I see. And how do I report fraud or identity theft?[NEWLINE][BOUNDARY][NEWLINE]agent: Do you want to report financial aid fraud?[NEWLINE]user: Yes, that was the plan.[NEWLINE]agent: A company charging for financial aid advice is not committing fraud unless it doesn't deliver what it promises.[NEWLINE]agent: Would you like to get more information about financial aid fraud or to report fraud?[NEWLINE]user: Yes, please.[NEWLINE]agent: Then you should contact the Federal Trade Commission and the Consumer Financial Protection Bureau.[NEWLINE][BOUNDARY][NEWLINE]user: I'd also like to change my FSA password. How do I do this?


user: can you give me information about the fraud and identity theft reports[NEWLINE]agent: want information on Financial Aid Fraud Report?[NEWLINE]user: yes[NEWLINE]agent: A company that charges for financial aid advice is not committing fraud unless it does not deliver on what it promises.[NEWLINE]agent: want more information on the subject?[NEWLINE]user: yes[NEWLINE]agent: contact the Federal Trade Commission and the Office of Consumer Financial Protection.[NEWLINE][BOUNDARY][NEWLINE]user: How to find out which legitimate companies the United States Department of Education works with?[NEWLINE]agent: well there are private companies, lenders, administrators and private collection agencies that work on behalf of ED[NEWLINE][BOUNDARY][NEWLINE]user: What errors can business communications contain?[NEWLINE]agent: they often contain spelling and grammatical errors.[NEWLINE][BOUNDARY][NEWLINE]user: If I have already shared my information with a student loan debt relief company what should I do?


user: what help can I receive for a loan discharge on a school that closed?[NEWLINE]agent: Did you want to know about benefits you can receive on a closed school loan discharge?[NEWLINE]user: no[NEWLINE][BOUNDARY][NEWLINE]agent: Did you want to know if you can have nonfederal loans through private lenders discharged for a closed school?[NEWLINE]user: no[NEWLINE][BOUNDARY][NEWLINE]agent: Did you want to know about having loans for several programs at the same school discharged due to school closure?[NEWLINE]user: yes, I started on something but went into a different degree but they closed on me before I could graduate[NEWLINE]agent: Only loans you received for a program that you were unable to complete because of the school’s closure are eligible for discharge.  If you initially enrolled in a program, but decided not to continue with that program and transferred to another program, and you were then unable to complete that program because the school closed, only loans you received for the second program could potentially be discharged.[NEWLINE]user: but I can't finish either program because they did this not me so can't I get both loans discharged?[NEWLINE]agent: Only the loans you received for your second program could potentially be discharged[NEWLINE][BOUNDARY][NEWLINE]user: can I get the discharge if I go for the same degree at another school?


user: can you help me get a discharge on a school loan[NEWLINE]agent: Yes, I can help you learn about the eligibility requirements for discharge and how you can apply[NEWLINE][BOUNDARY][NEWLINE]user: are direct loans eligible for this?[NEWLINE]agent: Were you enrolled when your school closed?[NEWLINE]user: no I wasn't[NEWLINE]agent: Were you on approved leave of absence when your school closed?[NEWLINE]user: no sir[NEWLINE]agent: Did your school close within 120 days after you withdrew?[NEWLINE]user: Yes sir or Ma'am[NEWLINE]agent: You may be eligible for a 100 percent discharge of your loan[NEWLINE][BOUNDARY][NEWLINE]user: good, and what will I need to get started


user: Is there a time I would be eligible for discharge of my federal student loan?[NEWLINE]agent: Yes, you can learn about eligibility requirements of a discharge and how to apply.[NEWLINE][BOUNDARY][NEWLINE]user: What is the discharge criteria?[NEWLINE]agent: Do you have William D. Ford Federal Direct Loan, Federal Family Education Loan, or Federal Perkins Loans?[NEWLINE]user: No, I do not.[NEWLINE]agent: Were you on an approved leave of abscence when your school closed?[NEWLINE]user: No, I wasn't on an approved leave of abscence.[NEWLINE]agent: Did your school close within 120 days after you withdrew?[NEWLINE]user: No, my school did not close.[NEWLINE]agent: Then you are not eligible for a 100% discharge of your Federal Loans.[NEWLINE]user: What is the criteria of a discharge then?[NEWLINE][BOUNDARY][NEWLINE]user: When will I be able to get a discharge for a closed school?.


user: What about closed school loan discharges?[NEWLINE]agent: Do you need to know the benefits you have by receiving a closed school loan discharge?[NEWLINE]user: No, I do not need to know this.[NEWLINE][BOUNDARY][NEWLINE]agent: Do you have a nonfederal private loan that you want a closed school discharge?[NEWLINE]user: Yes, I have a nonfederal private loan that I want to know about closed school discharge.[NEWLINE]agent: You would need to get into contact with that private lender to find out any information about a closed school discharge through them.[NEWLINE][BOUNDARY][NEWLINE]user: I received several loans for different programs of study at the same school and was unable to complete any of the programs or transfer credits before the school closed, is it possible that all the loans would be discharged?[NEWLINE]agent: The only loans eligible for discharge are the ones for the program you didn't get to complete because of the school closure; not the ones you decided not to complete on your own and moved to another program.[NEWLINE]agent: Did you start a program and decide not to continue and move on to another field of study?[NEWLINE]user: No, that is not what happened.[NEWLINE][BOUNDARY][NEWLINE]user: Are there certain criteria I need to meet to be eligible for a discharge of my federal student loan?


user: When am I eligible for discharge of my loans because my school closed?[NEWLINE]agent: You can learn about eligibility requirements for discharge and how you can apply.[NEWLINE]user: What should I get when my school closes?[NEWLINE]agent: It is of great importance to get your academic and financial aid records since you might need those records if you plan to attend another school or want to get your student loans discharged.[NEWLINE][BOUNDARY][NEWLINE]user: Can you explain the discharge criteria to me?[NEWLINE]agent: Do you have a William D. Ford Federal Direct Loan, Federal Family Education Loan, or a Federal Perkins Loan?[NEWLINE]user: No, those are not the types of loans I have.[NEWLINE][BOUNDARY][NEWLINE]user: Are there any atuomatic closed school discharges available?[NEWLINE]agent: Do you meet the eligibility requirements for a school that closed on or after Nov. 1, 2013 and not attended another school for 3 years?[NEWLINE]user: Yes, I attended a school that closed on or after Nov. 1, 2013.


user: Hello, I have some questions about closed school loan discharges and I'd appreciate some answers.[NEWLINE]agent: Of course. Are you wondering what benefits you have by receiving a closed school loan discharge?[NEWLINE]user: Yes, I am.[NEWLINE]agent: Receiving a closed school loan discharge gives you several advantages.[NEWLINE][BOUNDARY][NEWLINE]user: Well, before we get into that, I need to know something. My old school closed down and I took the credits from there to my new program at a new school. The fact that my school closed wasn't my fault, but does that mean I'm ineligible for discharge of the loans I received at the closed school now?[NEWLINE]agent: No. ransfer of credits from the closed school to a completely different program of study at the new school does not disqualify you for discharge.[NEWLINE][BOUNDARY][NEWLINE]user: What if I received a diploma without completing the program? Does that make me ineligible?[NEWLINE]agent: No. Before closing, some schools may issue a diploma or certificate to students who did not complete the program of study.[NEWLINE][BOUNDARY][NEWLINE]user: What if I meet the eligibility requirements for a closed school discharge and want my loans discharged?[NEWLINE]agent: Then you should contact your loan servicer about applying for a closed school discharge now instead of waiting for three years to receive an automatic closed school discharge.[NEWLINE][BOUNDARY][NEWLINE]user: I see. And what should I ask for when contacting my loan servicer?


user: I have questions, questions about closed school loan discharges. Can you answer them, please?[NEWLINE]agent: Of course. Are you wondering what benefits you have by receiving a closed school loan discharge?[NEWLINE]user: Yes, among other things.[NEWLINE]agent: You'll have several advantages by receiving a closed school loan discharge.[NEWLINE][BOUNDARY][NEWLINE]user: What if I have completed a program of study at another school, doing a teach-out?[NEWLINE]agent: In that case you are not eligible for a closed school discharge, by transferring academic credits or hours from the closed school, or by any other comparable means.[NEWLINE]user: But am I still eligible for a discharge at least?[NEWLINE]agent: You may be eligible for discharge if you completed or are in the process of completing a comparable program at another school.[NEWLINE][BOUNDARY][NEWLINE]user: What if I initially enrolled in a program, but decided not to continue with that program and transferred to another program?[NEWLINE]agent: If you were also unable to complete Program B because the school closed, only loans you received for Program B could potentially be discharged.[NEWLINE][BOUNDARY][NEWLINE]user: I've received a certificate without completing the program. Do I qualify for a loan discharge in that case?


user: I have some questions about closed school loan discharges.[NEWLINE]agent: Do you want to know which benefits you have by receiving a closed school loan discharge?[NEWLINE]user: Yes, go ahead.[NEWLINE]agent: You can have several advantages by receiving a closed school loan discharge.[NEWLINE][BOUNDARY][NEWLINE]user: What if I initially enrolled in a program, but decided not to continue with that program and transferred to another?[NEWLINE]agent: If you were then unable to complete the second program because the school closed, only loans you received for the second program could potentially be discharged.[NEWLINE][BOUNDARY][NEWLINE]user: Can I still get a discharge of the loans if my school closes down and I enroll in a similar program at another school?[NEWLINE]agent: Well, it depends.[NEWLINE]user: Let's be more specific then. What if I completed a similar program through a teach-out?[NEWLINE]agent: In that case, by transferring academic credits or hours from the closed school, or by any other comparable means, you are not eligible for a closed school discharge.[NEWLINE]user: Could I still be eligible for a discharge somehow?


user: Hi, I was wondering what conditions must occur to be eligible to discharge your federal student loan?[NEWLINE]agent: It is important to know the steps for such a process and how to generate the request.[NEWLINE][BOUNDARY][NEWLINE]user: What happens if you made a change from Program A to B?[NEWLINE]agent: You must complete Program B before school closes.[NEWLINE][BOUNDARY][NEWLINE]user: Can I be eligible for a 100 percent loan discharge?[NEWLINE]agent: It was closed when his school closed for application submission.[NEWLINE]user: Can you explain more about what was stated above?[NEWLINE]agent: You have to have proof when his school closed.[NEWLINE]user: I have an approved leave of absence when I close the process.[NEWLINE]agent: Your school closed within the established deadline.[NEWLINE]user: Clear 120 days after withdrawal.


user: Hi, I was wondering if you may be eligible if the school closes in the process?[NEWLINE]agent: Sure, it is vitally important that you know the requirements to be eligible for such a process?[NEWLINE]user: I wonder if I need the financial and academic aid records if your school closes?[NEWLINE]agent: Of course, and more if you plan to attend another school.[NEWLINE]user: Can they also be used to pay off student loans?[NEWLINE]agent: Can they also be used to pay off student loans?[NEWLINE][BOUNDARY][NEWLINE]user: How can I be eligible for a 100 percent loan download please?[NEWLINE]agent: How can I be eligible for a 100 percent loan download please?[NEWLINE]user: Why do you need to know that information?[NEWLINE]agent: You can be exempt from your loan if you were unable to complete your program because your school closed.[NEWLINE]user: What should happen to not be eligible to register your loans?


user: Could my federal student loan possibly qualify for discharge if the school in which I am currently enrolled is closing?[NEWLINE]agent: I can help you to learn about the eligibility requirements for discharge and how you can apply.[NEWLINE][BOUNDARY][NEWLINE]user: Ok what are the criteria for a possible discharge?[NEWLINE]agent: You may be eligible for a 100 percent discharge if you were unable to complete your program because your school closed.[NEWLINE]user: I was enrolled when my school closed and did not complete my desired courses.[NEWLINE]agent: In that even you may indeed be eligible for a 100% discharge of your William D. Ford Federal Direct Loan Direct Program loans, Federal Family Education Loan FFEL Program loans, or Federal Perkins Loans.[NEWLINE][BOUNDARY][NEWLINE]user: How do I obtain this discharge of my loan?[NEWLINE]agent: It is very important for you to obtain your academic and financial aid records if your school closes since you might need those records if you plan to attend another school or want your student loans discharged.[NEWLINE]user: What would I need from this school if I am planning on completing my education elsewhere?[NEWLINE]agent: You will need to obtain your academic and financial records if you plan to attend another school.[NEWLINE][BOUNDARY][NEWLINE]user: Are you able to answer questions about benefits I may have by receiving a closed school loan discharge?[NEWLINE][BOUNDARY][NEWLINE]agent: Are you inquiring about the benefits you would receive by obtaining a closed school loan discharge?[NEWLINE]user: Yes, I am.


user: How would I pay for textbooks and other course materials if haven't receive financial aid?[NEWLINE]agent: Did your school that participates in the federal student aid program provide you a way to get textbooks and supplies you need?.[NEWLINE]user: No, they have not provided that yet but it is not the 7th day of the term yet.[NEWLINE][BOUNDARY][NEWLINE]user: What if I purchased my textbooks?[NEWLINE]agent: You could sell them back if allowed and get money for it.[NEWLINE]user: What if my course uses paid online content?[NEWLINE]agent: Actually your school could have negotiated a deal with the publisher that would allow you online access at a fraction of the cost you would pay for a physical book.[NEWLINE][BOUNDARY][NEWLINE]user: How will I receive financial aid?[NEWLINE]agent: It really depends on the type of aid you have accepted when receiving your aid.[NEWLINE][BOUNDARY][NEWLINE]user: What are my options for course material formats?


user: How will I receive my federal student aid?[NEWLINE]agent: Your college not the U.S. Department of Education will distribute your federal student aid.[NEWLINE][BOUNDARY][NEWLINE]user: When should I receive financial aid?[NEWLINE]agent: It all depends on what type of aid you have accepted.[NEWLINE][BOUNDARY][NEWLINE]user: What happens with the disbursements of grants and student loans?[NEWLINE]agent: Ultimately your school will dispurse your grant or loan money in at least two payments and must give you your grant or loan money at least once per semester, trimester, or quarter.[NEWLINE]user: What is a dispursement?[NEWLINE]agent: A disbursement is when you receive your grant or loan money.[NEWLINE][BOUNDARY][NEWLINE]user: Is it true that schools that participate in federal student aid programs must provide a way for me to get my books and supplies by the 7th day of the term?[NEWLINE]agent: Are you eligible for disbursement and do you know that it should be there 10 days before term begins?.[NEWLINE]user: Yes, I am eligible for disbursement. and yes I do know the time frame.[NEWLINE]agent: Do you have a credit balance left over after all financial aid was paid?[NEWLINE]user: Yes, I have a credit balance left over.[NEWLINE]agent: Then you use that credit balance for books and supplies.[NEWLINE][BOUNDARY][NEWLINE]user: What about grants and student loans?


user: How is it possible for me to pay for my textbooks if I have not gotten my financial aid?[NEWLINE]agent: Does your school participate in federal student aid programs?[NEWLINE]user: Yes, my school participates in the federal student aid program.[NEWLINE]agent: Are you eligible for dispursement?.[NEWLINE]user: No, I am not eligible.[NEWLINE]agent: Then you cannot get your textbooks paid through the federal student aid program.[NEWLINE][BOUNDARY][NEWLINE]user: What if my school give me financial aid and money is left over?[NEWLINE]agent: If there is money left over after your aid is applied to tuition and fees then you would have a credit balance and could use that for your books.[NEWLINE]user: What if ISBN is unavailable?[NEWLINE]agent: The school would probably provide the author, title, publisher, and copyright date.[NEWLINE]user: What if the school offers a voucher to the bookstore?


user: Hello, what benefit do I have if you do not have financial aid?[NEWLINE]agent: Schools must provide their students with a way to obtain their books and supplies by the seventh day of the period.[NEWLINE]user: Should the school participate in the program?[NEWLINE]agent: It is noteworthy that you are eligible for the disbursement, that is, the payment of your financial aid.[NEWLINE]user: How the refund process is carried out.[NEWLINE]agent: At first you will have a credit balance as long as the financial aid is approved.[NEWLINE]user: Does financial aid apply to tuition, fees, and other school fees?[NEWLINE]agent: Remember that the schools that participate in the program must provide some things to the students.[NEWLINE][BOUNDARY][NEWLINE]user: I imagine that everything depends on the materials that are needed during the course?[NEWLINE]agent: Sure, you can look for options to lower the costs of your books.[NEWLINE][BOUNDARY][NEWLINE]user: What about schools that do not use the traditional system?


user: when will I get the money to pay for books I need because you are late and I need it?[NEWLINE]agent: Has your school not provided a way for you to obtain your books and supplies by the seventh day of the term?[NEWLINE]user: no they haven't[NEWLINE][BOUNDARY][NEWLINE]user: also can you tell me how a directplus loan is payed out like a grant?[NEWLINE]agent: Direct PLUS Loan funds are disbursed according to the same type of schedule[NEWLINE][BOUNDARY][NEWLINE]user: what happens to the money left over after tuition and all is paid?[NEWLINE]agent: Any money left over will be paid out to you directly within 14 days unless you authorize the school to keep the money to pay for future institutional charges[NEWLINE][BOUNDARY][NEWLINE]user: how do you pay for work study? can I get it direct deposit to my account?[NEWLINE]agent: Yes, they can send your payments directly to your bank account[NEWLINE][BOUNDARY][NEWLINE]user: so the government is the one that pays us?


user: I wanted to know how you will give me the financial aid to pay for books[NEWLINE]agent: Has your school provided a way for you to obtain your books and supplies by the seventh day of the term?[NEWLINE]user: no so what now?[NEWLINE][BOUNDARY][NEWLINE]user: is there anyway I can pay the bookstore later and get what I need now?[NEWLINE]agent: You can look to see if your school offers a bookstore voucher or other means for students to receive their books and supplies through the school or its bookstore.[NEWLINE][BOUNDARY][NEWLINE]user: so how does the grant work that I can't buy my books yet?[NEWLINE]agent: Usually the school first applies your grant money toward your tuition, fees, and room and board. Money left over is paid to you directly for other education expenses like the books you need.[NEWLINE][BOUNDARY][NEWLINE]user: can you give me any help with online materials I need for a class?[NEWLINE]agent: Your school may have negotiated a deal with the publisher that will allow you online access at a fraction of the cost you would pay for a physical book.[NEWLINE]user: when do they usually gives us the financial aid for books?


user: I need to know what I can do to pay for course materials if I don't have any money.[NEWLINE]agent: Of course. Would you like to know when schools that participate in federal student aid programs must provide a way for you to obtain your books and supplies by the seventh day of the term?[NEWLINE]user: Yes, please.[NEWLINE]agent: Are you eligible for disbursement i.e., the payment of your financial aid 10 days before the term begins?[NEWLINE]user: No, I'm not.[NEWLINE]agent: Then I'm afraid that schools which participate in federal student aid programs do NOT need to provide a way for you to obtain your books and supplies.[NEWLINE][BOUNDARY][NEWLINE]user: What if my school provides me financial aid?[NEWLINE]agent: Sometimes money is left over after your aid is applied to your tuition, fees, and other school charges. This remaining amount is called a credit balance.[NEWLINE]user: Well, that doesn't help me solve my issue. Is there any way to get course materials for less money?[NEWLINE]agent: Your options for course material formats will vary by school, instructor, and course, so learning what your options are and knowing about any cost-reduction initiatives your school may have can result in significant savings.[NEWLINE]user: But what if I need new textbooks?


user: I need help on how to pay for my course materials, I haven't received my financial aid yet.[NEWLINE]agent: Of course. Does your school participate in a federal student aid program?[NEWLINE]user: No, unfortunately not.[NEWLINE][BOUNDARY][NEWLINE]user: What can you tell me about grants and student loans in general?[NEWLINE]agent: Typically, the school first applies your grant or loan money toward your tuition, fees, and if you live on campus room and board. Any money left over is paid to you directly for other education expenses.[NEWLINE][BOUNDARY][NEWLINE]user: What if I have a credit balance?[NEWLINE]agent: In that case your school must pay this amount to you directly within 14 days unless you authorize the school to keep the money to pay for future institutional charges.[NEWLINE][BOUNDARY][NEWLINE]user: Unfortunately that doesn't apply to me. My school doesn't participate in federal student aid programs.[NEWLINE][BOUNDARY][NEWLINE]user: Is there something I can do when it comes to materials that are available for my courses?


user: Can you tell me how I'll receive my financial aid, please?[NEWLINE]agent: How you'll get your aid depends on the type of aid you accepted.[NEWLINE][BOUNDARY][NEWLINE]user: I know, but what can you tell me about grants and student loans?[NEWLINE]agent: Your school will give you your grant or loan money in at least two payments called disbursements. In most cases, your school must give you your grant or loan money at least once per term semester, trimester, or quarter.[NEWLINE][BOUNDARY][NEWLINE]user: What if I have a credit balance?[NEWLINE]agent: Then your school must pay this amount to you directly within 14 days unless you authorize the school to keep the money to pay for future institutional charges.[NEWLINE][BOUNDARY][NEWLINE]user: When do schools that participate in federal student aid programs have to help me obtain my materials needed for my studies?[NEWLINE]agent: Are you eligible for disbursement i.e., the payment of your financial aid 10 days before the term begins?[NEWLINE]user: No, I'm not.[NEWLINE]agent: Then I'm afraid that your school won't have to provide a way for you to obtain your books and supplies.[NEWLINE][BOUNDARY][NEWLINE]user: That's a bummer. Ah, well. And what if my course uses paid online content?