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: My parents are against providing there information on my FAFSA form. What do I need to do in myStudentAid if it's requiring parental information?[NEWLINE]agent: This will be described as a special circumstance and given an explanation about it[NEWLINE][BOUNDARY][NEWLINE]user: maybe an unrelated question now. How do I fill out the FAFSA form? But I have no contact with my parents because I have left my house 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][BOUNDARY][NEWLINE]user: You've got it. Selected Service is another concern I have. Is it necessary for me to register for Selective Service?[NEWLINE]agent: Yes, most male students need to be registered with Selective Service to receive any kind of federal student aid.[NEWLINE][BOUNDARY][NEWLINE]user: I'd like to know on what should I do with my FAFSA form if I don't have any communication with my parents for a long time?[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: And where do I find information on how to start the process?[NEWLINE]agent: Section [12] should cover that.[NEWLINE]user: Is there a section specifically for parents?


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]agent: Unfortunately, no relevant information is found.[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: Could you please clarify on what is non-need-based aid? And how does my school determine the amount I will receive?[NEWLINE]agent: Non - need - based aid is financial aid that is not based on your EFC. Your school determines how much non-need-based aid you can get by using the following formula:Cost of Attendance COA Financial Aid Awarded So Far * = Eligibility for Non-need-based 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: I see. Another loan-related question. Does this mean I can apply for a Direct Subsidized Loan as an undergraduate student?[NEWLINE]agent: Yes as an undergraduate you can apply for either a Direct Subsidized Loan or a Direct Unsubsidized Loan.[NEWLINE][BOUNDARY][NEWLINE]user: Currently serving in the US Army. Do I mark yes or no, for veteran status? agent: In your case, you must mark no.[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 kind of information of mine and my parents would be needed to fill out the dependency status questions on my FASFA form?[NEWLINE]agent: You can know what to expect after submitting your FAFSA form.[NEWLINE][BOUNDARY][NEWLINE]user: ok, anything else?


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: In relation to the need for parents to sign my FAFSA form, is there anything I can do if my parents will not give the required information on the form?[NEWLINE]agent: I will give you the process for filling out the FAFSA form online or on myStudentAid app[NEWLINE][BOUNDARY][NEWLINE]user: Could it be that the form's questions change each year? My friend attempted to assist me by showing me his form from the previous year, but some of the 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]user: Another concern about basic eligibility requirements. Could you elaborate on that information?


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][BOUNDARY][NEWLINE]user: One other thing, about FAFSA application form,  what if I have a step mom?[NEWLINE]agent: Is your step mom married to the legal parent whose information you are reporting?[NEWLINE]user: No, they are not married.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: What do I do if my parents are unwilling to provide their information on the FAFSA form?[NEWLINE]agent: We can provide you with an explanation of what we consider special circumstances.[NEWLINE]user: What if I agree to my parents not supporting me?


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][BOUNDARY][NEWLINE]user: Can you tell me how do I apply for a repayment plan based on my income?[NEWLINE]agent: You have t submit an application which is known as the Income-Driven Repayment Plan Request form[NEWLINE][BOUNDARY][NEWLINE]user: Got it. Another question.  How do I apply for an income-driven repayment plan?t . 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][BOUNDARY][NEWLINE]user: What should I do if someone contacts me and wants to charge me fees to get my federal student loan out of default?[NEWLINE]agent: You should read our blog post called "Don't Be Fooled; You Never Have to Pay for Student Loan Help"[NEWLINE][BOUNDARY][NEWLINE]user: I'd like to know on what are the benefits I'll get after my defaulted loan has been 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]agent: Unfortunately, no relevant information is found.[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: Hello there, that's probably what will happen. Could you please explain what a servicer is and what they can do for me?[NEWLINE]agent: Sure. As you probably know already, they are related to loans management, so in a formal way, they are companies that we assign to handle the billing and other services on your federal student loan on our behalf. That service is done without any cost for you.[NEWLINE][BOUNDARY][NEWLINE]user: Are you familiar with the William D. Ford Federal Direct Loan (Direct Loan) and Federal Family Education Loan (FFEL) programs? Can my loan holder's wage garnishments continue during 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: Another question, if my loan is in a collection agency, what other costs could I incur? and do private collection agencies earn a commission from payments?[NEWLINE]agent: The private collection agencies earn a commission for any payments you make.[NEWLINE][BOUNDARY][NEWLINE]user: I'll just make a note to inquire about my federal student loan. What happens if I rehabilitate a loan that has been defaulted on?[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]agent: Unfortunately, no relevant information is found.[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]user: can you provide me with more information about the loan?[NEWLINE]agent: I recommend you contact your loan servicer for information on the subject.[NEWLINE][BOUNDARY][NEWLINE]agent: It is vitally important to avoid defaulting on payments to invite additional payments.[NEWLINE]user: Perfect, and what else can you tell me?[NEWLINE]agent: You can also read carefully to fully understand their loan agreement.[NEWLINE]user: What does it mean that the federal loan is delinquent?


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]agent: Unfortunately, no relevant information is found.[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: Good to Know! Another question related to the possibility of simplifying my payments with consolidation, when combining loans will I obtain better payment installments?[NEWLINE]agent: Yes, you can combine your multiple federal student loans into a single Direct Consolidation Loan to simplify repayment.[NEWLINE][BOUNDARY][NEWLINE]user: what can I do to avoid default?[NEWLINE]agent: You need to fully understand your loan agreement and the types of loans you are receiving. Don't borrow more than you need or more than you expect to be able to repay.[NEWLINE][BOUNDARY][NEWLINE]user: what happens after I miss a payment or two?


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]agent: Unfortunately, no relevant information is found.[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][BOUNDARY][NEWLINE]user: I was laid off last year and started a new job two months ago. Will my wages continue to be garnished?[NEWLINE]agent: This is definitely something that you should bring up at the hearing. Since you have been employed for less than 12 months after having previously been involuntarily separated from your employment, it may be ruled that your wages cannot be garnished at this time.[NEWLINE][BOUNDARY][NEWLINE]user: Sure.  I'll have to inquire about the Federal Perkins Loan Program now. Where can I get more details on this?[NEWLINE]agent: I can show you where to go for information about your Perkins Loan[NEWLINE][BOUNDARY][NEWLINE]user: Ok thanks for the warning,. something else I would like to have more understanding of loan transfers, could you help me?[NEWLINE]agent: Of course In some cases, we need to transfer loans from one administrator to another administrator.[NEWLINE][BOUNDARY][NEWLINE]user: If you're in default on a federal student loan, I just want to make sure you know I'm not discouraged. Should we choose our repayment plan for Direct Consolidation Loans?[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]user: My loan amount is held by ED. what happens when the debt collector gets involved?[NEWLINE]agent: If your loan is placed with a collection agency, you will be responsible for costs incurred by your loan holder to get payment. These costs amount to 17.92% of your loan amount if your loan is held by ED. Other loan holders may charge a different amount.[NEWLINE][BOUNDARY][NEWLINE]user: Yes, of course. Now I have to inquire about Direct Consolidation Loan. After defaulted loans have been merged, what comes next?[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: Very well. I would also like to know the loan transfer procedure, what will happen if my loan is transferred to another loan servicer?[NEWLINE]agent: You should receive an email or letter from your assigned servicer to tell you about the transfer.[NEWLINE][BOUNDARY][NEWLINE]user: Do you know about how long the mail or letter takes to arrive? What are the real benefits for 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]agent: Unfortunately, no relevant information is found.[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: One more thing I may be able to switch payment plans to get a lower monthly payment, consider an income-based payment plan, change my payment due date, or get a deferral or forbearance.. ok I get it and can I simplify the refund with the consolidation?[NEWLINE]agent: Yes You may want to combine your multiple federal student loans into a single direct consolidation loan to simplify repayment. There may be trade-offs, so understand the advantages and potential disadvantages of consolidation before submitting the application[NEWLINE][BOUNDARY][NEWLINE]user: Loans, unlike most grants, scholarships or study and work funds, must be repaid under what conditions?[NEWLINE]agent: The first thing you should know is that before you owe from the Office of the Consumer Financial Protection is Read your promissory note.[NEWLINE]user: and what is your promissory note?


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: Another question related to ED, how can I step aside the garnishment of 15% of my disposable pay?[NEWLINE]agent: You can negotiate repayment terms acceptable to ED or the private collection agent and ensure that ED receives the first payment no later than 30 days from the day the garnishment notice was sent.[NEWLINE][BOUNDARY][NEWLINE]user: cool. Can you tell me more about what should I do if I'm contacted by anyone that's not the Default Resolution Group about fees for getting my student loan out of default?


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][BOUNDARY][NEWLINE]user: OK thank you. I would also like to find out the default on a Loan. any advice you could have used before getting the loan?[NEWLINE]agent: You should fully understand your loan agreement and the type of loan you are receiving[NEWLINE][BOUNDARY][NEWLINE]user: can I combine loans to get better payments?[NEWLINE]agent: Yes, you can combine your multiple federal student loans into a single Direct Consolidation Loan to simplify repayment.[NEWLINE][BOUNDARY][NEWLINE]user: what can I do to avoid default?[NEWLINE]agent: You need to fully understand your loan agreement and the types of loans you are receiving. Don't borrow more than you need or more than you expect to be able to repay.[NEWLINE][BOUNDARY][NEWLINE]user: what happens after I miss a payment or two?


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: I'd really like to learn more about financial aid. Is my state government willing to help?[NEWLINE]agent: Yes, aid could be available through the state government.[NEWLINE][BOUNDARY][NEWLINE]user: What can you tell me about grants?[NEWLINE]agent: The share link will explain that a grant is a form of financial aid that will never have to be paid back unless you withdraw from school and owe a refund.[NEWLINE][BOUNDARY][NEWLINE]user: What types of loans are there?[NEWLINE]agent: The share link will be able to help you with loans that are considered student loans and will tell you that they have to be paid back.[NEWLINE]agent: Did you know that you have to pay back a student loan along with interest?


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: Do you also know about federal student loans? Won't the interest be much high?[NEWLINE]agent: If you show financial need, the government pays the interest on some loans while you are in school and during some periods after school.[NEWLINE]user: so I should go for it?[NEWLINE]agent: Don't be afraid to take out federal student loans, but you should be smart about it.[NEWLINE][BOUNDARY][NEWLINE]user: How do I do this then?[NEWLINE]agent: Do you want to apply for a federal student loan?


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: Are you aware of the Federal Student Aid Video? On your website, I'm having trouble watching the Federal Student Aid Video. So, what do I do now?[NEWLINE]agent: Try clicking on the link that says, "view accessible version".[NEWLINE][BOUNDARY][NEWLINE]user: Thank you. The link worked. What about scholarships?[NEWLINE]agent: There should be information about scholarships in the video.[NEWLINE][BOUNDARY][NEWLINE]user: Does financial aid work for career schools, as well?


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: Okay. Now, about these federal school loans for students, how the loans will help me with my school?[NEWLINE]agent: Well... Is very likely that your school will likely include the student loans as part of your financial aid package.[NEWLINE][BOUNDARY][NEWLINE]user: I see, that's would be very nice. But how do I get a federal loan?[NEWLINE]agent: To get a federal loan you must first complete the free application for federal student aid fafsa form.[NEWLINE][BOUNDARY][NEWLINE]user: So, it's much better if I go with a federal loan?[NEWLINE]agent: Yes, because are much easier to get.[NEWLINE][BOUNDARY][NEWLINE]user: But, which are the differences of one and another?


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][BOUNDARY][NEWLINE]user: The U.S. Department of Education responsible for Health Education Assistance Loan (HEAL) Program loans. That's great to hear! Another F e e r-related query. Do you have any knowledge of Federal student loans ?[NEWLINE]agent: hi[NEWLINE][BOUNDARY][NEWLINE]user: hi[NEWLINE]agent: hi[NEWLINE]user: I have another question aboutH w u c.One other thing, about XXXX. hi


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: Do you also know about this -  . Alright thanks for your recommendation. But how the loans will help me with my school?[NEWLINE]agent: Well... Is very likely that your school will likely include the student loans as part of your financial aid package.[NEWLINE][BOUNDARY][NEWLINE]user: I see, that's would be very nice. But how do I get a federal loan?[NEWLINE]agent: To get a federal loan you must first complete the free application for federal student aid fafsa form.[NEWLINE][BOUNDARY][NEWLINE]user: So, it's much better if I go with a federal loan?[NEWLINE]agent: Yes, because are much easier to get.[NEWLINE][BOUNDARY][NEWLINE]user: But, which are the differences of one and another?


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]agent: Unfortunately, no relevant information is found.[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: Can you give me any resources that I can use as a guide so I will know what are the different types of loans available for me?[NEWLINE]agent: The share link will be able to help you with loans that are considered student loans and will tell you that they have to be paid back.[NEWLINE]agent: Did you know that you have to pay back a student loan along with interest?


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: OK thank you. I would also like to find out about FAFSA4caster. Does it cost anything to use the FAFSA4caster?[NEWLINE]agent: No it does not cost anything, the FAFSA4caster gives you a free estimate of your eligibility for federal student aid.[NEWLINE][BOUNDARY][NEWLINE]user: What if I don't know the answer to some of the questions on the 4caster? Some of the information I don't have at this time.[NEWLINE]agent: If you don't have all the information at this time you should answer all the question that are asked by the FAFSA4caster even if you have to estimate or guess.[NEWLINE]user: What types of questions does the FAFSA4caster ask?[NEWLINE]agent: You will have to answer financial and other questions that are used to estimate your federal student aid eligibility. Some of the questions you will easily be able to answer but there are some questions that you will only be able to answer if you have your federal tax information or bank statements available.[NEWLINE]agent: Are you able to provide this type of information because if not you will not receive the most accurate estimate?


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: Okay, thanks. I'd also want to find out about financial aid, is there an available aid from my state government?[NEWLINE]agent: Yes, aid could be available through the state government.[NEWLINE][BOUNDARY][NEWLINE]user: What can you tell me about grants?[NEWLINE]agent: The share link will explain that a grant is a form of financial aid that will never have to be paid back unless you withdraw from school and owe a refund.[NEWLINE][BOUNDARY][NEWLINE]user: What types of loans are there?[NEWLINE]agent: The share link will be able to help you with loans that are considered student loans and will tell you that they have to be paid back.[NEWLINE]agent: Did you know that you have to pay back a student loan along with interest?


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]agent: Unfortunately, no relevant information is found.[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: What is the aim of the Enterprise Rational Solution in General References?[NEWLINE]agent: The Federal Student Aid Enterprise Rational Solution is for sytems development efforts and it is an integrated solution for such things as requirements, tests, and configuration management.[NEWLINE][BOUNDARY][NEWLINE]user: I am a huge IT enthusiast. I could get federal student aid.[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]agent: Unfortunately, no relevant information is found.[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: a question regarding general references, what does the life cycle management methodology you mentioned earlier imply?[NEWLINE]agent: The Lifecycle Management Methodology comprises a comprehensive process for managing information technology projects from vision to retirement. The methodology is composed of eight distinct stages, each of which guides project managers through the LMM process by identifying a core/minimum set of deliverables to be created in order to ensure a project 's viability.[NEWLINE][BOUNDARY][NEWLINE]user: I just want to ask about the Acquisition Forecast, Where do I check the information on your future contact 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 about testing services? Are any available?[NEWLINE]agent: Yes, we have the Enterprise Test Management Standards.[NEWLINE][BOUNDARY][NEWLINE]user: You've mentioned earlier that contractors must comply with your guidelines, is that all they need to comply with?


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][BOUNDARY][NEWLINE]user: I also need more information regarding IT Standards Library. Can you tell me the details about federal guidelines?[NEWLINE]agent: This section of the IT Standards Library highlights federal organizations involved in establishing and coordinating the implementation of federal laws, regulations, standards and guidelines applicable to information and information technology management. The standards and guidelines they promulgate apply to all federal agencies and departments.[NEWLINE][BOUNDARY][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: Thanks for the library thing, I'll take it into account, sincerely, I don't like being lost. Is there somewhere to contact someone for more information?[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]agent: Unfortunately, no relevant information is found.[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: Now I'd like to ask a completely unrelated question. That appears to be intriguing. What about including research services? If you have any?[NEWLINE]agent: Yes, we have the Enterprise Test Management Standards.[NEWLINE][BOUNDARY][NEWLINE]user: You've mentioned earlier that contractors must comply with your guidelines, is that all they need to comply with?


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: What departments are covered by the section on General and Federal Guidelines?[NEWLINE]agent: The standards and guidelines from this section apply to all federal agencies and departments.[NEWLINE][BOUNDARY][NEWLINE]user: What is the purpose of the Lifecycle Management Methodology?[NEWLINE]agent: the LMM is a comprehensive process for managing information projects from vision to retirement.[NEWLINE][BOUNDARY][NEWLINE]user: Tell me a bit about the Federal Student Aid Specific REsources section.


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]agent: Unfortunately, no relevant information is found.[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: Now I need to ask about  Federal Student Aid Specific Resources? do you have any references for me?[NEWLINE]agent: We have the Lifecycle Management Methodology.[NEWLINE][BOUNDARY][NEWLINE]user: I have another question about FedBizOpps. 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][BOUNDARY][NEWLINE]user: Very well. I would also like to know about the prognosis for federal student aid. Excellent. What about IT security?[NEWLINE]agent: We also offer some IT Security documents used by FSA.[NEWLINE][BOUNDARY][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: Could you please elaborate on what is the use of IT standards to Federal Student Aid?


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: Is it possible to find scholarships in different ways?[NEWLINE]agent: Yes there are different ways to find scholarships such as contacting the financial aid office at the school you want to attend and also checking info at the library or online.[NEWLINE][BOUNDARY][NEWLINE]user: Will my scholarships affect my other student aid?[NEWLINE]agent: Yes, a scholarship would affect your other student aid because you student aid added together with scholarships should not be more than the cost of attendance.[NEWLINE][BOUNDARY][NEWLINE]user: How would my scholarship money get to me?[NEWLINE]agent: It actually relies on the scholarship and sometimes the money goes directly to your college and distributed to tuition and fees and then leftover funds given to you or it could be sent to you in a check.[NEWLINE]agent: Has your scholarship provider not tell you what to expect?


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]agent: Unfortunately, no relevant information is found.[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: Concerning federal grant applications, is it the same for scholarships, as well?


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]user: What do I need to know if I decide to take out a loan through the FSA program?[NEWLINE]agent: When taking out a loan, you must fully understand who the loan is being taken by and the terms and conditions of the borrowing. There are a number of sources of student loans, these being the federal government, private sources such as banks or financial institutions and other organizations[NEWLINE][BOUNDARY][NEWLINE]user: Is there a limit to how much I can borrow if I am a graduate or professional student?[NEWLINE]agent: As a graduate or professional student, you can borrow up to $20,500 each year with a Direct Unsubsidized Loan. You may also use a Direct PLUS Loan on the remainder of your college expenses, which is not covered by other financial aids in the market[NEWLINE]user: How do I know which loan is right for me as a graduate or professional student?


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][BOUNDARY][NEWLINE]user: Is a scholarship going to affect any other student assistance I'm getting?[NEWLINE]agent: A scholarship will affect your other student aid because all your student aid added together can't be more than your cost of attendance at your college or career school.[NEWLINE][BOUNDARY][NEWLINE]user: What is the best way to find scholarships?


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][BOUNDARY][NEWLINE]user: Can I ask something else? regarding funds. I wonder what kind of help can I ask for help?[NEWLINE]agent: You can get that information at the institution.[NEWLINE][BOUNDARY][NEWLINE]user: What student aid can you request for international studies?[NEWLINE]agent: Many international schools are offering help to students.[NEWLINE][BOUNDARY][NEWLINE]user: If you give me the help, what is the payment system?[NEWLINE]agent: The process involves electronically transmitting from the United States Treasury to the designated bank of the international school.[NEWLINE]agent: Also, if there is money left it is transferred to your account.[NEWLINE]user: What does this procedure consist of?


user: 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][BOUNDARY][NEWLINE]user: Can I access certain information about the school? I'd like to see if there have been any complaints about the school.[NEWLINE]agent: You have a few options: you can contact your local Better Business Bureau, your state higher education agency or you could also check with the consumer protection division of your state attorney general's office. Another way to check is to make an enquiry with the agency that licences or accredits the school to see if it meets the required standards that are expected[NEWLINE][BOUNDARY][NEWLINE]user: What if I worked somewhere other than 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: Will I be able to work while studying?


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: I'd also like to learn about federal grants. What is the concept of a grant repayment?[NEWLINE]agent: Your school will notify you if you have repay part of your grant and from that point, you will have 45 days to either pay that portion of the grant back in full or enter into a satisfactory repayment arrangement[NEWLINE]user: What happens if I enter into a satisfactory repayment arrangement?[NEWLINE]agent: In that case,  the school may assign the debt to ED for collection or may keep the debt and allow you to make payments directly to the school[NEWLINE]user: Can you repeat what happens if I enter into a satisfactory repayment arrangement?[NEWLINE]agent: Sure. As I said before, Your school will notify you if you have repay part of your grant and from that point, you will have 45 days to either pay that portion of the grant back in full or enter into a satisfactory repayment arrangement[NEWLINE]agent: Have you carried out one of the options described above?[NEWLINE]user: Yes, I did it.


user: I 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: Regarding study-abroad program, I'm wondering what kind of assistance I can request?[NEWLINE]agent: You can get that information at the institution.[NEWLINE][BOUNDARY][NEWLINE]user: What student aid can you request for international studies?[NEWLINE]agent: Many international schools are offering help to students.[NEWLINE][BOUNDARY][NEWLINE]user: If you give me the help, what is the payment system?[NEWLINE]agent: The process involves electronically transmitting from the United States Treasury to the designated bank of the international school.[NEWLINE]agent: Also, if there is money left it is transferred to your account.[NEWLINE]user: What does this procedure consist of?


user: 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: This reminds me of course of study. What are the different types of grants offered[NEWLINE]agent: The U.S. Department of Education(ED) offers a variety of federal grants to students attending colleges or career schools.[NEWLINE][BOUNDARY][NEWLINE]user: How do I know if I need to repay a grant?[NEWLINE]agent: Your school is responsible for notifying you, if you need to repay part your grant. You will then have 45 days to repay the grant or enter into a repayment arrangement.[NEWLINE]agent: Are you currently entered into a repayment arrangement for a grant?[NEWLINE]user: No, I'm not.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: Do all grants have to either be partially or fully repaid?


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]agent: Unfortunately, no relevant information is found.[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: Are you familiar with the Repayment Plan? Is it possible for me to make changes to my information for my income-driven repayment plan?[NEWLINE]agent: Do you have an increase in family size or a decrease in your income?[NEWLINE]user: No, I have not had a an increase in family size or decrease in income.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: What happens after I apply for an income-driven repayment plan?


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]agent: Unfortunately, no relevant information is found.[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: This reminds me of having enough Social Security credits. There are also various services available, right?[NEWLINE]agent: Your school's financial aid office must have that information[NEWLINE][BOUNDARY][NEWLINE]user: Another question about loan forgiveness for students? Is there currently a moratorium in place as a result of the virus outbreak?[NEWLINE]agent: Yes, that's right. This will allow you to temporarily stop making your monthly loan payments.[NEWLINE][BOUNDARY][NEWLINE]user: I have another question about the Student Loan. What are my options for deferring payments on my student loan?[NEWLINE]agent: If you are eligible you may be able to temporarily suspend your payment but it would be advisable to consider paying the interest that accrues during that period.[NEWLINE][BOUNDARY][NEWLINE]user: There's one more thing I like to ask about forbearance. What happens if you do an internship or residency in medicine or dentistry?[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]user: One more thing about  documentation for eligibility. What happens if I fail to re-certify for my income-driven repayment plan in a timely manner.[NEWLINE]agent: You would be removed for the income-driven repayment plan and your monthly normal amount would probably increase  if you miss the recertification time.[NEWLINE][BOUNDARY][NEWLINE]user: What would be the different payment periods?[NEWLINE]agent: Under all four plans, any remaining loan balance is forgiven if your federal student loans are not paid in full at the end of the repayment period.[NEWLINE][BOUNDARY][NEWLINE]user: I see. Another question on Duration of a General Forbearance. 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][BOUNDARY][NEWLINE]user: I have a question about the types of loans eligible for deferment, what will happen if I stop making payments and my deferral has not yet been approved?[NEWLINE]agent: Actually, your loan will become what we call delinquent and you may be considered into default.[NEWLINE][BOUNDARY][NEWLINE]user: What if I am in the military service or post-active duty, can I get a student deferment?[NEWLINE]agent: Would you like to know Are you eligible for deferment because you are in the military?[NEWLINE]user: Yes, I am in the military.[NEWLINE]agent: Are you on active duty right now?[NEWLINE]user: Yes, I am active duty military.[NEWLINE]agent: Then you may be eligible for the deferment for military service.[NEWLINE][BOUNDARY][NEWLINE]user: Why would I have to complete DirectPlus Loan request for deferment?


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.[NEWLINE]agent: If that's the case, you can be elected for a forbearance, if you don't have a value reason.[NEWLINE][BOUNDARY][NEWLINE]user: It's okay. Now, after so much thinking about the plans, Request a Plan. What is the IDR plan?[NEWLINE]agent: You must first request the IDR plan.[NEWLINE][BOUNDARY][NEWLINE]user: Another concern for the Income-Driven Repayment Plan. How long would it take to repay the loan?


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: What is the next step after applying and qualifying for an Income-Driven Repayment Plan successfully?[NEWLINE]agent: Once you have applied your federal loan servicer will let you know regarding your eligibility and, if you qualify, what you loan payment amount will be.[NEWLINE][BOUNDARY][NEWLINE]user: Another question for you regarding on Income-Driven Repayment Plan, and how do I request for mandatory 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: Will we get assistance with deferment of student loan payments, due to the Corona Virus and work loss?


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: I'm guessing that's what will happen. Can you tell me what a servicer can do?[NEWLINE]agent: Sure. As you probably know already, they are related to loans management, so in a formal way, they are companies that we assign to handle the billing and other services on your federal student loan on our behalf. That service is done without any cost for you.[NEWLINE][BOUNDARY][NEWLINE]user: Umm, yeah, and that could be bad. Can you give me an alternative to that, then?


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: There's one more thing about general forbearance. Is there any assistance available for military personnel?[NEWLINE]agent: Are you on active military service at the moment?[NEWLINE]user: No I am not.[NEWLINE]agent: Have you completed any military service at all?[NEWLINE]user: No I have never done any military service.


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: Before graduating, what should I keep in mind when I want to create an account?[NEWLINE]agent: You should make sure all your contact information is correct.[NEWLINE][BOUNDARY][NEWLINE]user: What if I want to consolidate my loans?[NEWLINE]agent: If you consolidate your loans could take longer than 10 years to pay off.[NEWLINE][BOUNDARY][NEWLINE]user: Is it good to review my federal loan history before I graduate or leave school?[NEWLINE]agent: Yes, you should always review your federal student loan history and you can do this by logging in to "My Federal Student Aid" and you need to creat an FSA ID you have don't have one.[NEWLINE]agent: Did you know what to look for when reviewing your information?


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][BOUNDARY][NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][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]user: Am I eligible for Student Loan Forgiveness Program?[NEWLINE]agent: Generally, you are required to repay your student loan, but in certain situations, your loan may be forgiven, canceled, or canceled[NEWLINE][BOUNDARY][NEWLINE]user: perfect, another question I have regarding the transfer of loans, what would be the procedure to make a transfer of my loan to another administrator?


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][BOUNDARY][NEWLINE]user: What information can you give me about Coverdell savings? What benefit does it give me?[NEWLINE]agent: The Coverdell Education Savings Account  allows up to $2,000 a year to be put aside for a student’s education expenses.[NEWLINE][BOUNDARY][NEWLINE]user: what other tax credits do you have?[NEWLINE]agent: Two tax credits help offset the costs of college by reducing the amount of your income tax; The American Opportunity Credit  and The Lifetime Learning Credit.[NEWLINE]agent: Do you file a tax return?[NEWLINE]user: I don't file


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: Another concern about the rising costs of higher education. Is it possible to get any tax credits for higher education costs?[NEWLINE]agent: Yes, two tax credits are available to help with the costs of tuition, fees, books, supplies, or equipment of college.[NEWLINE]agent: Do you not file a tax return?


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: Good to know. One more question about Qualified Tuition Programs, do all schools participate in this?[NEWLINE]agent: To find out if the school you plan to attend participates in a 529 plan you can ask the financial aid or admissions staff.[NEWLINE][BOUNDARY][NEWLINE]user: are there any tax credits?[NEWLINE]agent: There are two tax credits that help with the costs of college by reducing the amount of your income tax[NEWLINE]agent: Did you miss filing a tax return?[NEWLINE]user: no I did file[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE]user: what's the most I can get as a tax credit?


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]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: Let me phrase it this way: how can I  reduce my risk of identity theft when doing my application?[NEWLINE]agent: You should always keep receipts and documents for example, credit applications or offers, checks and bank statements with personal information in a safe place, and shred them when you are finished with them.[NEWLINE][BOUNDARY][NEWLINE]user: Another point to consider is the repayment plan. Who should be in charge of finishing this?[NEWLINE]agent: Borrowers currently on an IDR Plan who need to recertify or make changes to their repayment plan.[NEWLINE][BOUNDARY][NEWLINE]user: I see. Another question about an IDR Plan. What is a common problem with the FSA ID?


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: Regarding college preparation, what resources are available to parents of students?[NEWLINE]agent: Are you planning your child's higher education?[NEWLINE]user: No, I was just curious.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: Is there any resource available to help me get ready financially and academically?[NEWLINE]agent: You can use our checklists.[NEWLINE][BOUNDARY][NEWLINE]user: Why should I decide attend a career or a college school?


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'd like to ask one more thing regarding the preparations for entering College. Do you have any resources that I can use as a guide in getting ready for College?[NEWLINE]agent: Be sure to check out the reasons to attend a College or Career schools.[NEWLINE]user: Ok, that sounds good. Can you give me more tips?[NEWLINE]agent: Another thing to take into consideration is to explore your career options.[NEWLINE][BOUNDARY][NEWLINE]user: Tell me more about career options.[NEWLINE]agent: Just know that it's never too la early or too late to explore your career options and that we can guide you through some key steps in preparing for college.[NEWLINE][BOUNDARY][NEWLINE]user: and what about some resources for parents of students?[NEWLINE]agent: Are you a parent planning your child's higher education?[NEWLINE]user: Actually, yes.


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: Can  you please tell me what Income-Driven Repayment is?[NEWLINE]agent: Income - driven repayment IDR plans are designed to make your student loan debt more manageable by reducing your monthly payment amount[NEWLINE][BOUNDARY][NEWLINE]user: Which Legitimate Companies the US Department of Education (ED) works with is another question I have. How do I find out the reputable companies the US Department of Education collaborates with?[NEWLINE]agent: well there are private companies, lenders, administrators and private collection agencies that work on behalf of ED[NEWLINE][BOUNDARY][NEWLINE]user: Okay, what would be the benefits of having a payment manager?


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][BOUNDARY][NEWLINE]user: Do you have any experience with such programs? So, what do I have to do to get my public service loans forgiven?[NEWLINE]agent: You would need to make 120 more qualifying monthly payments.[NEWLINE][BOUNDARY][NEWLINE]user: That's a lot, but it's fair enough. Can you tell me more about the teacher loan forgiveness and the benefits of the AmeriCorps program, please?[NEWLINE]agent: Are you an AmeriCorps Program volunteer?[NEWLINE]user: Yes, I am.


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: Can you give me more information on Federal Student Aid? What is the best way to find out who my loan officer is?


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][BOUNDARY][NEWLINE]user: Perhaps an unrelated question now. an approved license. What if I have FFEL Program loans that are not owned by ED?


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: Regarding to the (TEACH) Grant service obligation. Can you give me a more detailed explanation of the TPD download?[NEWLINE]agent: Mainly it consists of freeing from having to pay a Program loan.[NEWLINE][BOUNDARY][NEWLINE]user: Can you advise me how can I qualify for a TPD download?[NEWLINE]agent: Sure, to qualify for such a plan you must provide documentation from one of three sources.[NEWLINE]user: Can you explain more what you just mentioned please?[NEWLINE]agent: As a first step you should visit the Department of Veterans Affairs VA.[NEWLINE]user: Perfect, and what else should I keep in mind?[NEWLINE]agent: You must follow other processes to demonstrate that you qualify.[NEWLINE][BOUNDARY][NEWLINE]user: Can you tell me about the amounts to be canceled?


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: Yes, of course. Now I have to inquire about an educational service agency. Okay, I see your point. What if I'm applying for loan repayment from several loan servicers?[NEWLINE]agent: In that case you must submit a separate form to each of them.[NEWLINE][BOUNDARY][NEWLINE]user: But I can receive forgiveness, right? I mean, if I'm under the teacher loan forgiveness program.[NEWLINE]agent: Yes, you can potentially receive forgiveness under both the Teacher Loan Forgiveness Program and the Public Service Loan Forgiveness Program, but not for the same period of teaching service.[NEWLINE]user: What do I need to do to receive public service loan forgiveness then?[NEWLINE]agent: You would need to make 120 more qualifying monthly payments.[NEWLINE][BOUNDARY][NEWLINE]user: That's a lot, but it's fair enough. Can you tell me more about the teacher loan forgiveness and the benefits of the AmeriCorps program, please?[NEWLINE]agent: Are you an AmeriCorps Program volunteer?[NEWLINE]user: Yes, I am.


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: I have another question about Student Loan Forgiveness,can I appeal if denied?[NEWLINE]agent: You may ask the U.S. Department of Education to review the denial[NEWLINE][BOUNDARY][NEWLINE]user: so can I ask for a discharge if the training didn't help me because I had issues ongoing of my own?[NEWLINE]agent: You might qualify for a discharge on the Disqualifying status category.[NEWLINE][BOUNDARY][NEWLINE]user: are all loans able to be discharged?[NEWLINE]agent: Loans made under the William D. Ford Federal Direct Loan Program or Federal Family Education Loan Program are eligible for a discharge.[NEWLINE][BOUNDARY][NEWLINE]user: and I apply where you said?[NEWLINE]agent: Do you have a Direct Loan or FFEL Program loan and are you ready to apply for the false certification discharge?


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: I'd like to ask you another question about qualifying jobs. What types of jobs do I need to be eligible for the PSLF Program?[NEWLINE]agent: Those who work for a government organization at any level(state, federal, local, tribal) qualify for the PSLF Program.[NEWLINE][BOUNDARY][NEWLINE]user: I went to the FAQ page, but I still have questions. Who can I contact to help me?[NEWLINE]agent: Since you were unable to find the information that you need on the FAQ page, your next step will be to contact FedLoan Servicing at 1-855-265-4038.[NEWLINE][BOUNDARY][NEWLINE]user: Which repayment plans qualify for this program?[NEWLINE]agent: All income-driven repayment IDR plans and plans that base your monthly payment on your income qualify for the program.[NEWLINE][BOUNDARY][NEWLINE]user: I have a FFEL Program loan. Am I eligible for the program?


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: I see. Another question on teacher loan forgiveness, do I need to submit a separate application for both?[NEWLINE]agent: Yes, you would need to submit a seperate application for both.[NEWLINE][BOUNDARY][NEWLINE]user: What a the eligibility requirements for me to get up to $17,500 loan forgiveness?[NEWLINE]agent: Did you teach as a highly qualified full-time math or science teacher at the secondary level.[NEWLINE]user: No, I did not teach those subjects or at that level.[NEWLINE]agent: Are you a highly qualified special ed teacher at the elementary or secondary level whose primary responsibility was to provide special ed to children with disabilities?[NEWLINE]user: No, I am not a special ed teacher.


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: I also want to know what happens if I don't get a loan discharge.[NEWLINE]agent: If you do not receive a loan discharge you are responsible for repaying your loan.[NEWLINE]agent: Do you need more information to be prepared if you think you were wrongly denied a loan discharge?[NEWLINE]user: no it's good[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: what are ways to get a discharge?[NEWLINE]agent: There are three categories of false certification through which you might be eligible for a discharge of your Direct Loans or FFEL Program loans[NEWLINE][BOUNDARY][NEWLINE]user: is one of them for them doing things without my signature?


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][BOUNDARY][NEWLINE]user: Can I ask something else? If I want to qualify for a TPD discharge, what documents do I need? how can i apply?[NEWLINE]agent: It is not necessary, you just have to complete and submit the application.[NEWLINE][BOUNDARY][NEWLINE]user: Can you explain the TPD download in more detail?[NEWLINE]agent: Mainly it consists of freeing from having to pay a Program loan.[NEWLINE][BOUNDARY][NEWLINE]user: Can you advise me how can I qualify for a TPD download?[NEWLINE]agent: Sure, to qualify for such a plan you must provide documentation from one of three sources.[NEWLINE]user: Can you explain more what you just mentioned please?[NEWLINE]agent: As a first step you should visit the Department of Veterans Affairs VA.[NEWLINE]user: Perfect, and what else should I keep in mind?[NEWLINE]agent: You must follow other processes to demonstrate that you qualify.[NEWLINE][BOUNDARY][NEWLINE]user: Can you tell me about the amounts to be canceled?


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: What is the process after I submit a TPD discharge application?[NEWLINE]agent: Did you receive something from Nelnet stating they received it?[NEWLINE]user: No, I do not know if they received it.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: Could a representative apply on my behalf and help me during the TPD discharge process?


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]agent: Unfortunately, no relevant information is found.[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][BOUNDARY][NEWLINE]user: Actually I also wanted to ask how long it will take to complete the entrance counseling.[NEWLINE]agent: Actually, the process should be completed in one session and usually takes around 20-30 minutes of you time.[NEWLINE][BOUNDARY][NEWLINE]user: I'd like to ask you another question about Financial Aid Funds. What if my course relies on online content that isn't free?[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: You've got it. Another question I have is about a loan. What do I need to do in order to sign a loan agreement?[NEWLINE]agent: Complete a Master Promissory Note MPN.[NEWLINE][BOUNDARY][NEWLINE]user: I would also like to find out what happens if I do not receive all the help that I request?[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: It may happen that you receive some temporary help from a school, but after some time some circumstances change, such as the place of residence?[NEWLINE]agent: Yes, this could happen for a variety of reasons, such as if you indicated that you plan to live on campus when you submitted your FAFSA but then decided to live off campus or if you are selected for verification.[NEWLINE]user: Good to know. Another thingA c h l.Btw, for XXXX. and the aid can vary?[NEWLINE]agent: Because your financial aid package is created for you and is based on the cost of attending a particular school, your aid amounts will vary from school to school.[NEWLINE][BOUNDARY][NEWLINE]user: and how can i calculate the net price?[NEWLINE]agent: Follow these simple steps to calculate your net price, or net cost, for each school, and find out which school will be most accessible to you.[NEWLINE]user: and do you have to include the prices?


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: Okay, now about the net price calculation, what should I do if the school doesn't add the cost of attendance in the aid offer?[NEWLINE]agent: request this figure from the financial aid office. Make sure you include the amounts you will pay directly to the school, such as tuition and fees, as well as other costs, such as living expenses, books and supplies, and transportation[NEWLINE]user: What if the school does not include the cost of attendance in the offer of aid?[NEWLINE]agent: request this figure from the financial aid office. Make sure you include the amounts you will pay directly to the school, such as tuition and fees, as well as other costs, such as living expenses, books and supplies, and transportation[NEWLINE]user: And if later I have another question, where do I go?


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 will be a full time student, would I like to know how much my attendance cost will be? How can I calculate it?[NEWLINE]agent: Your cost of attending or COA is the estimate of your tuition and fees; the cost of room and board or living expenses for students who do not contract with the school for room and board; the cost of books, supplies, transportation, loan fees, and miscellaneous expenses including a reasonable amount for the documented cost of a personal computer.[NEWLINE][BOUNDARY][NEWLINE]user: Is it possible to get an interest free loan?