user: hello could you help me with the PLUS Direct Loan Application for graduate students[NEWLINE]agent: Do you want to know what is a direct PLUS loan application for graduate / professional students?[NEWLINE]user: Yes please[NEWLINE]agent: ok, This is a request for supplemental information regarding your application for a Federal Direct PLUS Loan Direct PLUS Loan through the William D. Ford Federal Direct Loan Direct Loan Program. Some schools may have a different process to obtain the additional information necessary to process your Direct PLUS Loan application.[NEWLINE]agent: Have you placed a security lock on your credit file?[NEWLINE]user: No, I have not placed a security lock[NEWLINE]user: Could you tell me what is a direct PLUS loan application for graduate / professional students?[NEWLINE]agent: This is a request for supplemental information regarding your request. The information you provide will be sent to the school you select. The school you select will use the information collected to determine your eligibility for a Direct PLUS Loan and to process your application.[NEWLINE]user: and what should I do to receive a Direct PLUS Loan?[NEWLINE]agent: Before you can receive a Direct PLUS Loan, you must complete a Direct PLUS Master Promissory Direct PLUS Loan MPN promissory note, which explains all the terms and conditions of Direct PLUS loans and constitutes your legally binding agreement to pay all Direct PLUS loans that receive under the Direct PLUS MPN loan[NEWLINE][BOUNDARY][NEWLINE]user: And how do I apply for a PLUS loan?


user: can you give me information about the PLUS direct loan application for postgraduate students[NEWLINE]agent: Do you want to know what is a direct PLUS loan application for graduate / professional students?[NEWLINE]user: no[NEWLINE][BOUNDARY][NEWLINE]agent: Do you know what to do to apply for a PLUS loan?[NEWLINE]user: Yes please[NEWLINE]agent: the first thing you should do is LOG IN TO GET STARTED[NEWLINE][BOUNDARY][NEWLINE]user: okay. sorry if you could tell me what is a PLUS direct loan application for graduate / professional students? please[NEWLINE]agent: Of course This is a supplemental information request regarding your application for a Federal Direct PLUS Loan Direct PLUS Loan through the William D. Ford Federal Direct Loan Direct Loan Program [4] Some schools may have a different process to obtain the additional information necessary to process your Direct PLUS Loan application....[NEWLINE]user: and all schools have the same process?[NEWLINE]agent: No, some schools may have a different process to obtain the additional information necessary to process your Direct PLUS Loan application.[NEWLINE]user: What do I have to do to receive a Direct PLUS Loan?


user: Can you please give me some information on the Direct PLUS Loan application for graduate students?[NEWLINE]agent: Do you need to know what the Direct PLUS Loan application for graduate students is?[NEWLINE]user: I do.[NEWLINE]agent: This application is a request for supplemental information in connection with your application for a Federal Direct PLUS Loan Direct PLUS Loan through the Willam D. Ford Federal Direct Loan Direct Loan Program.  Some schools may have different processes for obtaining the additional information needed to process your application.[NEWLINE]agent: Have you placed a security freeze on your credit file?[NEWLINE]user: I have placed a freeze on my credit file.  Will that be an issue?[NEWLINE]agent: If you have placed a freeze on your credit file, you must life or remove it at each credit bureau before you can continue with this process.  Your application will not be processed if you have a security freeze.[NEWLINE][BOUNDARY][NEWLINE]user: Can I apply for a PLUS Loan online?[NEWLINE]agent: You can, and as with anything else on the web, you just go to the website and log in to start and then you would start the demo.[NEWLINE][BOUNDARY][NEWLINE]user: What must I do before I can receive a Direct PLUS Loan?[NEWLINE]agent: Before you can receive a Direct PLUS Loan, you must complete a Direct PLUS Loan Master Promissory Note Direct PLUS Loan MPN, which explains all of the terms and conditions of the loan and constitutes your legally binding agreement to repay all loans that you receive under the Direct PLUS Loan MPN.[NEWLINE]user: What happens with the information that I enter for the application?


user: Tell me about the Direct PLUS Loan Application for Graduate/Professional Students[NEWLINE]agent: 1[NEWLINE]user: 1[NEWLINE]agent: 1[NEWLINE]agent: 1[NEWLINE]user: 1[NEWLINE]agent: 1[NEWLINE]user: 1[NEWLINE]agent: 1[NEWLINE]user: 1[NEWLINE]agent: 1[NEWLINE]user: 1


user: hi[NEWLINE]agent: hi[NEWLINE]user: hi[NEWLINE]agent: hi[NEWLINE][BOUNDARY][NEWLINE]user: hi[NEWLINE]agent: hi[NEWLINE]user: hi[NEWLINE]agent: hi[NEWLINE][BOUNDARY][NEWLINE]user: hi[NEWLINE]agent: That's correct. Debt to Earnings rate data is available for the 2015 debt measure year.[NEWLINE]agent: That kind of information can be appealed. Did you filed an appeal before April 25, 2018?[NEWLINE]user: Yeah, in fact, i filed an appeal before that date.


user: What is gainful employment information mean?[NEWLINE]agent: Gainful employment means in order to get federal student aid a student must take an educational degree at a non-profit or public institution that will prepare them for gainful employment in a recognized occupation.[NEWLINE]user: Is there an special act that states this?[NEWLINE]agent: Yes, the Higher Education Act Title IV student assistance programs.[NEWLINE][BOUNDARY][NEWLINE]user: Is there glossary of terms used in the data spreadsheet?[NEWLINE]agent: Yes, there is a glossary of terms used in the D/E data spreadsheet.[NEWLINE]user: Is there any Debt-to-Earnings Rate Data?[NEWLINE]agent: Yes, D/E rate data is available for the 2015 debt measure year.[NEWLINE]agent: Do you know the appeal date of April 25, 2018 no appeals have been denied?[NEWLINE]user: Yes, I know since the date of April 25, 2018 no appeals have been denied.[NEWLINE]agent: It shows that no appeals that have been reviewed have been denied and on the spreadsheet a singe asterisk shows that the info presented in the field has changed from what was presented before April 25, 2018.[NEWLINE][BOUNDARY][NEWLINE]user: What do I need to know for the Annual Earnings Rate?


user: Hey, good morning. I'm looking for some information about the gainful employment, please.[NEWLINE]agent: Yeah, no problem. A gainful employment is one of the objectives that any educational program should have through preparation of the student. With that, the student can be eligible for student assistance programs.[NEWLINE]user: So, basically, you need to be sure that the institution is preparing the people for real world, to say something?[NEWLINE]agent: You could say it in that way, yes. Educational Institution must certainly prepare you for a post in a well recognized occupation.[NEWLINE][BOUNDARY][NEWLINE]user: Right, right. Um, i suppose that kind of info is somehow collected, huh? Is that data available to consult?[NEWLINE]agent: Sure, that kind of date is collected and gathered, then compiled and made available for debt measure year. Right now, the most recent date is 2015.[NEWLINE]agent: By any chance, did you happen to file an appeal before April 25, 2018?[NEWLINE]user: You know? In fact i filed one some time ago, way before that date. Why you ask?[NEWLINE]agent: That's good. It surely was answered, because until that date, no appeals have been denied. If you like, you can review the data and check by yourself its status.[NEWLINE][BOUNDARY][NEWLINE]user: Uh, i'll check that out later. Say, that data collection and availability is the same for, lets say, earnings?[NEWLINE]agent: Do you mean, like it was explained before?


user: I have some questions I need answered about gainful employment.[NEWLINE]agent: I can help you with that. To qualify for funding under the Higher Education Act Title IV student assistance program, the educational program you receive has to lead to a degree on a non-profit or public institution or prepare the student for gainful employment in a recognized profession.[NEWLINE]user: What is the Discretionary Income Rate?[NEWLINE]agent: Discretionary Income Rates of 20% or less are considered passing rates, rates higher than 20%, but less than or equal to 30% are called zone rates, and rates greater than 30% are failing rates.[NEWLINE][BOUNDARY][NEWLINE]user: What is my earnings data used for?[NEWLINE]agent: Do you understand what Earnings Data is?[NEWLINE]user: No, not really.[NEWLINE][BOUNDARY][NEWLINE]user: Nevermind about that. What is GE Informational Rate Data used for?[NEWLINE]agent: It provides institutions and the Department with preliminary information about the performance of different institutions.[NEWLINE][BOUNDARY][NEWLINE]user: What is a D/E rate?


user: a[NEWLINE]agent: a[NEWLINE][BOUNDARY][NEWLINE]user: a[NEWLINE]agent: a[NEWLINE]user: Yes, I have read that.[NEWLINE]agent: Then you should know that the SSA calculates and returns to the U.S. Department of Education the Department the mean and median annual earnings of a cohort of students who completed the GE program during a specified cohort period.[NEWLINE]user: Oh, so the SSA calculates the sum?[NEWLINE]agent: Yes, that's correct.[NEWLINE][BOUNDARY][NEWLINE]user: What other information does the data spreadsheet contain?[NEWLINE]agent: Information on the Debt to Earnings data spreadsheet includes institution information, program information, D/E Annual Earnings Rates and D/E Discretionary Income Rates including transitional rates for relevant programs with the numbers used to calculate those rates, earnings data, and program appeal status.[NEWLINE][BOUNDARY][NEWLINE]user: What about the discretionary income rate?


user: Yes I'd like some information pertaining to the criteria of gainful employment and student aid.[NEWLINE]agent: An educational program must lead to a degree at a non-profit or public institution or it must prepare students for "gainful employment in a recognized occupation" in order for said program to be eligible for funding under the Higher Education Act Title IV student assistance programs.[NEWLINE][BOUNDARY][NEWLINE]user: What's earnings data and how is it calculated?[NEWLINE]agent: Are you employed?[NEWLINE]user: No, not yet.[NEWLINE][BOUNDARY][NEWLINE]user: I'm having trouble understanding my Debt-to-Earnings (D/E) Rate Data. What are the little stars for?[NEWLINE]agent: On the spreadsheet, a single asterisk * indicates that the information presented in the field has changed from what was presented prior to the April 25, 2018, update.[NEWLINE]user: Is there any way to get this spreadsheet online?[NEWLINE]agent: Yes we have information on how to [36] Download the Debt to Earnings data spreadsheet.[NEWLINE][BOUNDARY][NEWLINE]user: And how is the Annual Earnings Rate calculated?


user: Hello, I would like to obtain information about paid employment...[NEWLINE]agent: In that case to be eligible to receive funds under the Title IV Student Assistance Programs of the Higher Education Act, an educational program must lead to a degree in a public or non-profit institution or must prepare students for a "gainful employment in a recognized occupation.[NEWLINE][BOUNDARY][NEWLINE]user: and how is the earnings data calculated?[NEWLINE]agent: Could you read what was described above?[NEWLINE]user: no[NEWLINE][BOUNDARY][NEWLINE]user: who calculates the annual rate of profit?[NEWLINE]agent: the numerator is the calculated annual loan payment amount, an estimate of the annual loan repayment amount based on the average educational debt of the cohort members. The denominator is the highest of the average or average income of the cohort obtained from the Social Security Administration SSA[NEWLINE][BOUNDARY][NEWLINE]user: and where can I have more information?[NEWLINE]agent: you can use Glossary of terms used in the D / E data spreadsheet...[NEWLINE]user: and where can i see my calculations?


user: hello what paid employment information could you[NEWLINE]agent: To be eligible to receive funds under the Title IV Student Assistance Programs of the Higher Education Act, an educational program must lead to a degree in a public or non-profit institution or must prepare students for "gainful employment in a recognized occupation. " gainful employment in a recognized occupation.[NEWLINE]user: and what does this program require?[NEWLINE]agent: An educational program must lead to a degree in a public or non-profit institution or must prepare students for "gainful employment in a recognized occupation." gainful employment in a recognized occupation.[NEWLINE][BOUNDARY][NEWLINE]user: and what does SSA do?[NEWLINE]agent: The SSA calculates and returns to the United States Department of Education the mean and median annual earnings for a cohort of students who completed the GE program during a specific cohort period.[NEWLINE][BOUNDARY][NEWLINE]user: and what is the debt to earnings rate data?[NEWLINE]agent: D / E rate data is available for 2015 debt measurement.[NEWLINE]agent: Do you know that it came into effect from April 25, 2018?[NEWLINE]user: Yes i would like to know[NEWLINE]agent: As of April 25, 2018, no revised appeals have been denied. In the spreadsheet, a single asterisk * indicates that the information presented in the field has changed from what was presented prior to the April 25, 2018 update.[NEWLINE][BOUNDARY][NEWLINE]user: and how many students must there be to calculate the rate?


user: Why do I need gainful employment?[NEWLINE]agent: You need to be in an educational program that would lead to gainful employment in a recognized occupation or must lead to a degree at a non-profit or public institution to be eligible for funding under the Higher Education Act Title IV student assistance program.[NEWLINE][BOUNDARY][NEWLINE]user: What does the date of April 25, 2018 have to do with appeals?[NEWLINE]agent: As of April 25, 2018, no appeals that were review have been denied.[NEWLINE][BOUNDARY][NEWLINE]user: What is the earnings data?[NEWLINE]agent: do you mean as described previously, what is the earnings data?[NEWLINE]user: Yes, that is what I am pertaining to.[NEWLINE]agent: The SSA calculates and returns to the US Department of Education the mean and median annual earnings of a cohort of students who completed the GE program during a specified period.[NEWLINE][BOUNDARY][NEWLINE]user: What does for Discretionary Income Rate mean?[NEWLINE]agent: They are rates less than or equal to 20% passing rates and rates higher than 20% but less than or equal to 30% are zone rates, and rates great than 30% are failing rates.[NEWLINE]user: How is the annual earnings rate calculated?


user: Hi could you please tell me if a criminal conviction affects the eligibility for federal student aid?[NEWLINE]agent: Yes students with criminal convictions have limited eligibility for federal student aid. Before applying make sure you understand your status and don't assume you can't get aid.[NEWLINE][BOUNDARY][NEWLINE]user: What if the conviction is drug related does this affect my ability to get aid?[NEWLINE]agent: Yes this can affect your eligibility. When you complete the FAFSA form you will be asked whether you had a drug conviction for an offense that occurred while you were receiving federal student aid.[NEWLINE][BOUNDARY][NEWLINE]user: Can you please tell me what other convictions can affect my eligibility for aid?[NEWLINE]agent: You cannot receive a Federal Pell Grant if you have been convicted of a forcible or non forcible sexual offense, and you are subject to an involuntary civil commitment upon completion of a period of incarceration for the said offense.[NEWLINE]user: I have a conviction but am not sure if it falls under the conditions you described.[NEWLINE]agent: If your conviction is as I stated you will not be able to receive a Federal Pell Grant.[NEWLINE][BOUNDARY][NEWLINE]user: If I have a previous drug conviction how can I regain eligibility for federal student aid?[NEWLINE]agent: If you have had a drug conviction you can regain eligibility early by successfully completing an approved drug rehabilitation program or by passing two unannounced drug tests administered by an approved drug rehabilitation program.[NEWLINE]user: I regained eligibility during my award year, what should I do now?


user: Is there any way that a student with a criminal conviction can get federal student aid?[NEWLINE]agent: All applicants are advised to ensure that they understand their status and not to assume that they won't receive financial aid[NEWLINE][BOUNDARY][NEWLINE]user: What is an applicant has a drug conviction?[NEWLINE]agent: In this case, you are provided with a worksheet to help determine whether your conviction affects your eligibility or not[NEWLINE]user: If an applicant was suspended from being eligible for federal aid due to a drug conviction, is there any way this can be turned around?[NEWLINE]agent:  An applicant can regain eligibility for federal aid by successfully completing an approved drug rehabilitation program or by passing two unannounced drug tests by an approved drug rehabilitation program[NEWLINE][BOUNDARY][NEWLINE]user: Am I eligible for federal student aid if I am incarcerated?[NEWLINE]agent: In this instance, you have limited eligibility for student aid[NEWLINE]agent: Is the incarceration due to a drug-related offense or are you subject to an involuntary civil commitment for a sexual offense?[NEWLINE]user: Yes, I fall into that category[NEWLINE]agent: In this case, your eligibility for student aid may well be limited[NEWLINE][BOUNDARY][NEWLINE]user: What can I do if my eligibility for student aid has been suspended due to a drug conviction?


user: can I get school aid if I've done prison time and what do I need to do to find out more?[NEWLINE]agent: You have to understand your status and don't assume that you can't get aid because of a conviction.[NEWLINE][BOUNDARY][NEWLINE]user: well I'm on parole at the moment, so am I eligible for help?[NEWLINE]agent: You may be eligible for federal student aid. However, if you were convicted of a drug-related offense or if you are subject to an involuntary civil commitment for a sexual offense, your eligibility may be limited.[NEWLINE][BOUNDARY][NEWLINE]user: does it matter if I was already getting financial aid when I got arrested?[NEWLINE]agent: Yes, your eligibility might be suspended if the offense occurred while you were receiving federal student aid[NEWLINE]user: and I read that I might be able to regain my financial aid if I take certain steps, is that true?[NEWLINE]agent: Yes, If you had a drug conviction, you can regain eligibility early by successfully completing an approved drug rehabilitation program or by passing two unannounced drug tests administered by an approved drug rehabilitation program. If you regain eligibility during the award year, notify your financial aid office immediately so you can get any aid you’re eligible for.[NEWLINE][BOUNDARY][NEWLINE]user: could we get financial aid while still on the inside?[NEWLINE]agent: You have limited eligibility for federal student aid while incarcerated.[NEWLINE]agent: Was your incarceration for a drug-related offense or are you subject to an involuntary civil commitment for a sexual offense?


user: Hi could you please tell if I have a criminal conviction if this will limit my eligibility for federal student aid?[NEWLINE]agent: Yes it can but make sure you understand your status and don't just assume that you can't get aid, you might well be able to.[NEWLINE][BOUNDARY][NEWLINE]user: What sort of convictions might affect the aid that I can receive?[NEWLINE]agent: Other than drug convictions, convictions for a forcible or non forcible sexual offense which are subject to an involuntary civil commitment upon completion of a period of incarceration for that offense your aid might be affected.[NEWLINE]user: If I have been incarcerated for the said offense what aid can't I receive?[NEWLINE]agent: You will not be able to receive a Federal Pell Grant.[NEWLINE][BOUNDARY][NEWLINE]user: Can I regain eligibility for aid if I have had a drug related conviction?[NEWLINE]agent: You can regain eligibility and if you do regain eligibility during the award year you should notify your financial aid office immediately so you can get any aid that is due to you.[NEWLINE][BOUNDARY][NEWLINE]user: What if I have been incarcerated, will I be eligible for aid?[NEWLINE]agent: You can receive aid but it might be limited.[NEWLINE]user: What happens after I have been released after a conviction?


user: I want to learn more about students with a criminal status as it pertains to financial aid.[NEWLINE]agent: I can help you. It is important to understand your status and not assume you won't qualify. Do you know your status?[NEWLINE][BOUNDARY][NEWLINE]user: WIll I be asked about drug convictions that happened while receiving federal aid?[NEWLINE]agent: Yes you will.[NEWLINE][BOUNDARY][NEWLINE]user: Can I get aid on probation or parole?[NEWLINE]agent: Yes, you actually can.[NEWLINE]agent: Are you on parole or probation?.[NEWLINE]user: No, I am not.[NEWLINE]agent: Were you convicted of a drug related offense?[NEWLINE]user: Yes, I was.[NEWLINE][BOUNDARY][NEWLINE]user: When can I apply for aid when incarcerated?


user: Hello. I have a minor criminal conviction on my record and wanted to find out if I can still get student aid with it.[NEWLINE]agent: Of course. Always make sure you understand your status, and don't assume you can't get aid.[NEWLINE][BOUNDARY][NEWLINE]user: Yes, but you see, I was charged for the possession of drug and now I no longer get student aid. What can I do?[NEWLINE]agent: In that case you can regain eligibility early by successfully completing an approved drug rehabilitation program or by passing two unannounced drug tests administered by an approved drug rehabilitation program.[NEWLINE]user: That's great to hear. But a drug conviction is a major obstacle when getting student aid, isn't it?[NEWLINE]agent: Yes, your eligibility might be suspended if the offense occurred while you were receiving federal student aid grants, loans, or work-study.[NEWLINE]agent: Do you want to know what to do when you complete the FAFSA form?[NEWLINE]user: Yes, please.[NEWLINE]agent: After you complete the form, you will be asked whether you had a drug conviction for an offense that occurred while you were receiving federal student aid.[NEWLINE]user: And what if I had a drug conviction?[NEWLINE]agent: Then you will be provided a worksheet to help you determine whether your conviction affects your eligibility for federal student aid.[NEWLINE][BOUNDARY][NEWLINE]user: If I m on probation, can I still get federal student aid?


user: My question concerns students that have a criminal conviction, do they have limited eligibility for federal student aid?[NEWLINE]agent: We would advise all applicant to make sure that they understand their own status and not to assume that they cannot access federal aid[NEWLINE][BOUNDARY][NEWLINE]user: Is it possible for me to get federal student aid if I'm on probation or parole?[NEWLINE]agent: Yes, it is possible[NEWLINE][BOUNDARY][NEWLINE]user: If my ability to access federal student aid is affected due to a drug conviction, what do I do if I regain eligibility during the award year?[NEWLINE]agent: In this instance, you need to notify your financial aid office immediately. This will result in you being able to get any aid that you are eligible for[NEWLINE][BOUNDARY][NEWLINE]user: Are there any convictions, apart from a drug conviction, that will affect my eligibility to access federal student aid?[NEWLINE]agent: You will not be able to receive a Federal Pall Grant if you have been convicted of a sexual offense, or if you are subject to an involuntary civil commitment after completing a period of incarceration for an offense of that nature[NEWLINE][BOUNDARY][NEWLINE]user: If I am looking to apply for federal student aid but am on probation or parole, will my application be affected?[NEWLINE]agent: Yes you will[NEWLINE]agent: Is it a case that you are on probation or parole, or are you living in a halfway house?[NEWLINE]user: Yes, I am currently in that situation


user: Tell me about students with criminal convictions and federal student aid[NEWLINE]agent: If you are a student with criminal convictions, make sure you understand your status, and don't assume you can't get aid[NEWLINE][BOUNDARY][NEWLINE]user: What if my eligibility for federal student aid has been suspended due to a drug conviction?[NEWLINE]agent: In that case, you can regain eligibility early by successfully completing an approved drug rehabilitation program or by passing two unannounced drug tests administered by an approved drug rehabilitation program[NEWLINE][BOUNDARY][NEWLINE]user: Can I get federal student aid if I'm incarcerated?[NEWLINE]agent: Yes but you have limited eligibility for federal student aid[NEWLINE]agent: Was your incarceration for a drug related offense?[NEWLINE]user: No, it wasn't for that.[NEWLINE][BOUNDARY][NEWLINE]user: What if I'm on probation?[NEWLINE]agent: Null[NEWLINE][BOUNDARY][NEWLINE]user: Is there a problem if I am convicted of a drug-related offense after submitting the FAFSA form?


user: Hello, can you give me information related to students with criminal convictions, can they ask for student help?[NEWLINE]agent: It is important to seek information related to the topic without taking a negative in advance.[NEWLINE][BOUNDARY][NEWLINE]user: Do I have to notify the financial aid office to apply to the program?[NEWLINE]agent: Exactly, it is essential for you to get whatever help you are eligible for.[NEWLINE][BOUNDARY][NEWLINE]user: Perfect, what else should I know?[NEWLINE]agent: You have to notify to apply for the help.[NEWLINE][BOUNDARY][NEWLINE]user: Could it affect my help if I have other convictions?[NEWLINE]agent: Of course, it all depends on crime.[NEWLINE]user: If it is a conviction for forced or non-forced sexual offense?[NEWLINE]agent: One of the scholarships that you cannot access is the Federal Pell Grant.[NEWLINE][BOUNDARY][NEWLINE]user: Can you explain what limited eligibility is?


user: Hello,. The other day i heard that you are using some virtual assistant. I would like to use it, could you guide me where to access for that?[NEWLINE]agent: Certainly, i can direct you. However, is just to inform you that Aidan, our virtual assistant, in right now on a beta phase and so, is only available for some selected users logged into their accounts.[NEWLINE]agent: Do you wanna know if you're one of those selected few?[NEWLINE]user: Yeah, i would be delighted to check that out. How can i be sure?[NEWLINE]agent: Well, first you must be logged in. Then, in your dashboard, you must look for an owl icon in the bottom right-hand corner. That will be Aidan's app. That would be visible on your desktop or mobile version.[NEWLINE]user: So, all i have to do is to check if that owl-like icon is there, isn't?[NEWLINE]agent: That's all you have to do and anything else.[NEWLINE][BOUNDARY][NEWLINE]user: All right, i'll have to log in then and see if that little owl is there. Umm, Aidan looks like any chat service, so my written exchanges with it, will be kept by the app?[NEWLINE]agent: Absolutely. In order to constantly improve Aidan performance, their quality assurance and maintain an accurate log of your request to us, Is necessary to keep a record of your conversations with Aidan.[NEWLINE][BOUNDARY][NEWLINE]user: Well, that's very direct. I guess i will have to watch it over. See, you said that should be looking for an owl icon but, what if that little buddy isn't there?[NEWLINE]agent: If you don't see Aidan's owl-like icon, then don't be sad. Just check again in the near future and see if you have been selected by our expanding beta.[NEWLINE][BOUNDARY][NEWLINE]user: O.k, i really hope i'm one of the few. Now, something i should have had to ask something simple, What is Aidan's purpose?


user: Greetings, I've been using your virtual assistant, Aidan, and have some doubts about it, could you help me?[NEWLINE]agent: Gladly. Is your doubt aimed to your conversation's privacy?[NEWLINE]user: Oh wow, that's exactly what i was going to ask..I was wondering if you keep record of my interactions with Aidan.[NEWLINE]agent: Well, yeah. We keep those kind of records, so we can use the date in order to improve Aidan's performance, aside from quality assurance and identify new skills for Aidan to learn.[NEWLINE][BOUNDARY][NEWLINE]user: Oh, right. I understand. Look, about any possible intrusion into my Aidan account, is that possible?[NEWLINE]agent: Is not, if you take the proper countermeasures, like having a good and strong password, not to mention that would be healthy to clear all your data after you are done chatting with Aidan.[NEWLINE][BOUNDARY][NEWLINE]user: I'll keep that in mind, and try to change my password because the one i have is rather simple.Another thing, i've been using Aidan just to chat, but what else can i do with it?[NEWLINE]agent: Well Aidan is obviously much more. If you want to know your loan balance, to know more about grants, or even get in touch with your loan servicer, Aidan can help you with all of that and give you  a proper answer.[NEWLINE][BOUNDARY][NEWLINE]user: Wow, i'm ashamed to having used it to only talk gibberish, sorry. Anyway, Aidan just speak english for now, right?[NEWLINE]agent: Is correct, Aidan is only able to communicate itself in English for now.[NEWLINE][BOUNDARY][NEWLINE]user: A friend of mine is interested into using Aidan too, how can he know if he can do that?


user: How do I find Aidan, the FSA Virtual Assistant?[NEWLINE]agent: Aidan is only currently available to a pilot group of users when they are logged in to their accounts[NEWLINE]agent: Would you like to find out if you are one of those users?[NEWLINE]user: No, not at the moment, thanks[NEWLINE]agent: Have you found the Aidan icon or can you view it when you are logged in?[NEWLINE]user: Yes, I can see that icon[NEWLINE]agent: If you don't have access to Aidan, the advice is to check back in the future as this new service is rolled out to a wider audience[NEWLINE][BOUNDARY][NEWLINE]user: Is the Aidan service private and secure?[NEWLINE]agent: Yes, it is a secure service, all data in relation to your interactions are stored and never shared with third parties. More information can be found by reviewing our policy[NEWLINE][BOUNDARY][NEWLINE]user: How do I find out if I am one of the users that has access to the Aidan service?[NEWLINE]agent: You need to log into your account and look for the Aidan owl icon in the bottom right-hand corner of any page on the site, either on your desktop or your mobile device[NEWLINE][BOUNDARY][NEWLINE]user: Can anyone else use my Aidan service if they are using my computer or phone?


user: Hi, how is it going?. I heard you're using some AI program now to interact wit h users, could you tell me more?[NEWLINE]agent: Greetings, Its a pleasure to have you here with us. You are talking about Aidan, our virtual assistant which can answer questions about certain topics, like federal student aid. It uses AI to answer the questions.[NEWLINE][BOUNDARY][NEWLINE]user: That's pretty impressive. And what can Aidan do for me, by the way?[NEWLINE][BOUNDARY][NEWLINE]agent: Well it certainly can assist with a wide variety of topics. For example, Do you want to use Aidan for financial question?[NEWLINE]user: Yeah, in fact, i would like it.[NEWLINE]agent: That's excellent. Aidan can help you to answer most of your financial doubts, so you have a clear path before you.[NEWLINE]agent: That works with you?[NEWLINE]user: Yeah, thanks. Hope it has good advice for me.[NEWLINE]agent: No problem, it will have a word for you, always.[NEWLINE][BOUNDARY][NEWLINE]user: What other things can Aidan do? It can help with location on people or business related to my loan?[NEWLINE]agent: Sure thing. Just use Aidan and type some query like "Who's my servicer?"[NEWLINE]user: Oh, just like that? I only type requesting where is my services and that's it?


user: I need to know where I can find Aidan.[NEWLINE]agent: At this time, Aidan beta version is only available to a pilot group of users while they are logged into their accounts.[NEWLINE]agent: Do you know if you belong in this group of users?[NEWLINE]user: No, I'm not sure.[NEWLINE]agent: Do you see the Aidan icon on your account?[NEWLINE]user: Yes, I do.[NEWLINE]agent: Great. Aidan is available to you. In the future, Aidan's services will be available to a wider audience.[NEWLINE][BOUNDARY][NEWLINE]user: How does Aidan work?[NEWLINE]agent: Aidan acts as a virtual assitant who can answer questions related to federal student aid. It uses advanced technology, AI, and natural language processing to answer common questions.[NEWLINE][BOUNDARY][NEWLINE]user: How do I access Aidan?[NEWLINE]agent: Log into your account and look for the Aidan owl icon in the bottom right hand corner.[NEWLINE][BOUNDARY][NEWLINE]user: How secure is my private information when using Aidan?


user: I have questions about using Aidan.[NEWLINE]agent: I can help you with that. Aidan is a virtual assistant that can answer common questions about federal student aid.[NEWLINE][BOUNDARY][NEWLINE]agent: Are you aware of the different tasks that Aidan provides?[NEWLINE]user: No.[NEWLINE][BOUNDARY][NEWLINE]user: How secure is using Aidan?[NEWLINE]agent: Very secure. The Federal Student Aid handles and stores your data taken from interactions with Aidan.[NEWLINE][BOUNDARY][NEWLINE]user: What languages does Aidan speak?[NEWLINE]agent: English is currently the only language Aidan can speak.[NEWLINE][BOUNDARY][NEWLINE]user: Will my information be shared with third parties?[NEWLINE]agent: No. The Federal Student Aid will never share your information with third parties.[NEWLINE][BOUNDARY][NEWLINE]user: How advanced is Aidan?


user: II need assistance with using Aidan.[NEWLINE]agent: I can help you with that. Aidan is a virtual assistant that is capable of answering common questions about federal student aid.[NEWLINE][BOUNDARY][NEWLINE]agent: Do you know what tasks that Aidan can assist you with?[NEWLINE]user: No. I don't.[NEWLINE][BOUNDARY][NEWLINE]user: How does Aidan work?[NEWLINE]agent: Aidan uses advanced technology, AI, and natural language processing to answer common Federal Student Aid questions.[NEWLINE][BOUNDARY][NEWLINE]user: Is it possible for another person to use Aidan if they use my phone?[NEWLINE]agent: No. As long as you protect your log in credentials and log out each time you are done using Aidan.[NEWLINE][BOUNDARY][NEWLINE]user: Is Aidan capable of learning new things over time?[NEWLINE]agent: Yes. Although Aidan is in the early stages of development beta mode, it is still capable of learning and acquiring new skills.[NEWLINE][BOUNDARY][NEWLINE]user: How secure is my information when using Aidan?


user: Where can I find the FSA Virtual Assistant Aidan?[NEWLINE]agent: The Aidan service is currently only available to a group of pilot users[NEWLINE]agent: Do you know how to find out if you are a member of that pilot group?[NEWLINE]user: Yes, I have checked[NEWLINE]agent: Just to confirm it to you, when you log into your account, look for the Aidan owl icon on the bottom right-hand corner of any page on the site, on either your desktop or mobile device[NEWLINE]user: What is I don't see this icon on any page of my account?[NEWLINE]agent: In that case, you are advised to check back in the near future as this service is rolled out to new users regularly[NEWLINE][BOUNDARY][NEWLINE]user: How do I find pages on the website quickly?[NEWLINE]agent: The quickest way is to type "Where is"[NEWLINE][BOUNDARY][NEWLINE]user: Can you tell me again, what devices will I be able to view the Aidan service on?[NEWLINE]agent: You can view Aidan on either your desktop or any mobile device that you have[NEWLINE][BOUNDARY][NEWLINE]user: Does the Aidan service record conversations with its users?


user: What happens after I submit my FAFSA form?[NEWLINE]agent: You receive a Student Aid Report, which is a summary of the information that you gave in the application. You should review this and ensure that it is correct and completed in full[NEWLINE]user: What is my Student Aid Report (SAR)?[NEWLINE]agent: This report gives information about your eligibility for student aid. It also goves answers to any FAFSA questions that you may have[NEWLINE][BOUNDARY][NEWLINE]user: What exactly do I have to do with my SAR?[NEWLINE]agent: Have you received your SAR after submitting your application?[NEWLINE]user: Yes, I just recently received this report[NEWLINE]agent: You need to review this carefully and ensure that it is correct and complete. The school that is listed on the FAFSA form will decide your eligibility for federal and possibly non federal financial aid[NEWLINE][BOUNDARY][NEWLINE]user: How long does it take to get a SAR and how do I receive it?[NEWLINE]agent: You can log in at fafsa.gov to view any SAR information. This is regardless of whether you filled out the FAFSA form online, on the myStudentAid app or on a FAFSA PDF or whether you provided an email address or not[NEWLINE]user: What information is listed on my SAR?


user: I have a few questions about FAFSA and the Student Aid Report.[NEWLINE]agent: I can help you with that. Your Student Aid report summarizes the information in your FAFSA form, so be sure to check that your information is both correct and complete.[NEWLINE][BOUNDARY][NEWLINE]user: What if my information is incorrect on my SAR?[NEWLINE]agent: There will be a space on your SAR where you can write in any corrections.[NEWLINE][BOUNDARY][NEWLINE]user: Do I need to correct any mistakes on my SAR?[NEWLINE]agent: Yes. It is very important that you correct or update any incorrect information on your FAFSA form.[NEWLINE][BOUNDARY][NEWLINE]user: How do I receive my SAR?[NEWLINE]agent: You will receive your SAR on paper. If you provide an email address, you will also be able to view your SAR online.[NEWLINE]agent: Did you provide an email?[NEWLINE]user: Yes, I did.[NEWLINE]agent: Great. You will receive an email from noreply@FAFSA.gov. This email will provide you with instructions to get an online copy of your SAR.[NEWLINE]user: Will I receive a paper SAR if I get the online copy?


user: I have some questions about Student Aid Reports.[NEWLINE]agent: The Student Aid Report summarizes your FAFSA form, so it's very important that your information is correct.[NEWLINE][BOUNDARY][NEWLINE]user: What will be on my SAR report once I complete my FAFSA form?[NEWLINE]agent: Once you complete your application, you will see an Expected Family Contribution(EFC) displayed in the upper right hand corner of your SAR.[NEWLINE][BOUNDARY][NEWLINE]user: How will I receive my SAR?[NEWLINE]agent: You will receive your SAR on paper. If you included an email in your application, you can also receive an online copy.[NEWLINE]agent: Did you provide an email?[NEWLINE]user: No, I don't think I did.[NEWLINE][BOUNDARY][NEWLINE]user: What if there is a mistake on my FAFSA form?[NEWLINE]agent: Once you correct the mistake and correction has been processed, you will get a copy of your SAR.[NEWLINE][BOUNDARY][NEWLINE]user: What is the DRN used for?


user: What do I do with my FAFSA student aid report?[NEWLINE]agent: You should review your Student Aid Report to make sure everything is correct and complete.[NEWLINE][BOUNDARY][NEWLINE]user: What do I need to do if there is a mistake on my SAR?[NEWLINE]agent: Did you review your SAR and find a mistake?[NEWLINE]user: No, I did not find any mistakes on my Student Aid Report.[NEWLINE][BOUNDARY][NEWLINE]user: Where do I find the SAR Data Release Number?[NEWLINE]agent: The DRN appears on the first page in the upper right corner of the paper SAR and it is below the EFC on the electronic SAR.[NEWLINE][BOUNDARY][NEWLINE]user: What does the SAR list?[NEWLINE]agent: The SAR lists your FAFSA info and provides space for any corrections you need to make and you will receive a paper SAR if you file a paper FAFSA and do not provide an email address.[NEWLINE][BOUNDARY][NEWLINE]user: Will the SAR tell me if I have been selected for verification?


user: I need help with understanding Student Aid Reports.[NEWLINE]agent: I'll assist you with that. A Student Aid Report summarizes your FAFSA form, so it's very important to make sure your information is correct and complete.[NEWLINE][BOUNDARY][NEWLINE]user: What if there is a mistake on my Student Loan Report?[NEWLINE]agent: Have you already received your SAR and found a mistake?[NEWLINE]user: No, I haven't received it yet.[NEWLINE][BOUNDARY][NEWLINE]user: Do I need to do anything if all my information is correct?[NEWLINE]agent: No, but you should keep your SAR for your records.[NEWLINE][BOUNDARY][NEWLINE]user: If I do find a mistake that needs to be corrected, how would I get an updated copy of my SAR?[NEWLINE]agent: You can contact the Federal Student Aid Information Center at 1-800-4-FED-AID and request to have a copy mailed to you.[NEWLINE][BOUNDARY][NEWLINE]user: What information will be on my SAR?[NEWLINE]agent: That will depend on your FAFSA form. Have you already completed it?[NEWLINE]user: Yes, I have.


user: I need help with my Student Aid Report.[NEWLINE]agent: Your Student Aid Report(SAR) is a summary of your FAFSA form, so it's highly important that you make sure your information is correct and complete.[NEWLINE][BOUNDARY][NEWLINE]user: Why does the FAFSA form ask for my email?[NEWLINE]agent: By providing your email on your FAFSA form, you get access to an online copy of your SAR.[NEWLINE]user: What if I don't provide my email?[NEWLINE]agent: You will receive a paper copy of you SAR.[NEWLINE][BOUNDARY][NEWLINE]user: What type of information does my SAR contain?[NEWLINE]agent: Your SAR will contain basic information about your eligibility for federal student aid and answers you gave to FAFSA questions.[NEWLINE][BOUNDARY][NEWLINE]user: How do I get another copy of my SAR if I need it?[NEWLINE]agent: You can contact the Federal Student Aid Information Center at 1-800-4-FED-AID to request a copy of your SAR by mail.[NEWLINE][BOUNDARY][NEWLINE]user: What happens if there is a mistake on my SAR?[NEWLINE]agent: Have you already reviewed your SAR?


user: Can you explain to me what the Student Aid Report is?[NEWLINE]agent: It is a review of your FAFSA information to make sure it is correct and complete.[NEWLINE][BOUNDARY][NEWLINE]user: Can I use my email to get a SAR from FAFSA?[NEWLINE]agent: Yes, you will receive an email if you provide a valid email address with instructions on how to access an online copy of your SAR.[NEWLINE][BOUNDARY][NEWLINE]user: What information does my SAR contain if my application is complete?[NEWLINE]agent: If you application is complete, your SAR will have an Expected family Contribution will display in the upper-right hand corner.[NEWLINE]user: If my application is incomplete what will my SAR report show?[NEWLINE]agent: If incomplete your SAR report will not show the EFC but will tell you what you need to do to resolve issues.[NEWLINE][BOUNDARY][NEWLINE]user: What should I do with my SAR?[NEWLINE]agent: Did you review it carefully to be sure everything is correct and complete?


user: what's next after I send the FAFSA application?[NEWLINE]agent: You'll get a Student Aid Report and you will need to review it to make sure it is correct and complete.[NEWLINE][BOUNDARY][NEWLINE]user: what else happens when the report is ready?[NEWLINE]agent: The school you listed on your FAFSA form will use your information to determine your eligibility for federal and possibly nonfederal financial aid[NEWLINE]user: what do I do if everything is correct after I look it over?[NEWLINE]agent: You keep it for your records[NEWLINE][BOUNDARY][NEWLINE]user: what if something was wrong on the report?[NEWLINE]agent: Did you find a mistake when you reviewed your SAR?[NEWLINE]user: No, just wondering[NEWLINE][BOUNDARY][NEWLINE]user: where would I go to make corrections if they were needed?


user: I need information about financial aid options available to me.[NEWLINE]agent: I can help you with that. Financial aid can help you pay for your college expenses.[NEWLINE][BOUNDARY][NEWLINE]user: Where can I find more information about how work-study jobs work?[NEWLINE]agent: This information can be found on our website.[NEWLINE][BOUNDARY][NEWLINE]user: What about scholarships?[NEWLINE]agent: Unlike financial aid, scholarships provide free money for college expenses. Scholarships are usually given to students based on their academic merits.[NEWLINE][BOUNDARY][NEWLINE]user: How do student loans work?[NEWLINE]agent: When a person takes out a student loan, they are borrowing money for college that will be need to be paid back later. Like other loans, student loans accrue interest over time.[NEWLINE][BOUNDARY][NEWLINE]user: How do I get financial aid?[NEWLINE]agent: Financial aid can come from a variety of sources including federal, state, and private sources. You can find more information about this on our website.[NEWLINE][BOUNDARY][NEWLINE]agent: Have you viewed the Federal Student Aid Video?[NEWLINE]user: Yes, I have.


user: What is a loan for college?[NEWLINE]agent: We have a link you can follow.[NEWLINE]agent: do you need to know what to do when you receive a student loan?[NEWLINE]user: Yes, I would like to know what to do about receiving a student loan.[NEWLINE]agent: With a student loan you are borrowing money to attend a college and you will have to repay the loan plus the accrued interest.[NEWLINE][BOUNDARY][NEWLINE]user: What is financial aid officially?[NEWLINE]agent: Financial Aid is money that helps you pay for college and they include grants, work-study, loans, and scholarships to help make attending college affordable.[NEWLINE][BOUNDARY][NEWLINE]user: Is there an accessible versiion wmv for FSA video?[NEWLINE]agent: Yes, you can access a wmv version.[NEWLINE][BOUNDARY][NEWLINE]user: Where do scholarships come from?[NEWLINE]agent: Many nonprofit and private organizations offer scholarships to help students pay for college and it is free money which can be based on academic merit, talent, or a particular area of study.[NEWLINE][BOUNDARY][NEWLINE]user: Is it important to know about my repayment options?


user: Hi, good afternoon. I've been searching for info about the many types of money aid. I heard about loans, could you elaborate a little for me?[NEWLINE]agent: Sure. A loan is a borrow of money to attend a college or career school. You should repay that money as well as its interest that accrues.[NEWLINE]agent: Have you received any student loan?[NEWLINE]user: No, i haven't receive any. That's why i'm asking about them, because i was told to consider some.[NEWLINE][BOUNDARY][NEWLINE]user: Not to worry, right now i'm just curious. Anyway, i always can get a job, isn't? Like part-time or something?[NEWLINE]agent: In fact, you can do that. You have the Federal Work-Study Program available to you, so you can earn money in order to pay for school through a part-time job.[NEWLINE][BOUNDARY][NEWLINE]user: That's cool, i think its better than get into any debts. Say, i guess government is not the only one out there giving help like this, aren't they?[NEWLINE]agent: No, of course not. This kind of help can be provided by Federal institutions or State ones. Also, School and private sourced can help you to pay for college or career school.[NEWLINE][BOUNDARY][NEWLINE]user: Great, really, great. At least i can look in various places. Where can i get more information about this work-study program?[NEWLINE]agent: You just have to go online and look for the corresponding links that will take you to the proper information.[NEWLINE][BOUNDARY][NEWLINE]user: Same for schoolarships?


user: What are the types of financial aid available?[NEWLINE]agent: Financial aid is money to help pay for college such as grants, work-study, loans, and scholarships.[NEWLINE][BOUNDARY][NEWLINE]user: What are work-study jobs?[NEWLINE]agent: You can look at the share link which talks about the federal work-study program and it allows you to earn money to pay for school by working part time.[NEWLINE][BOUNDARY][NEWLINE]user: Is there 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: I'd like to know what a student loan entails for me.[NEWLINE]agent: Click on the following link for information on his point [38] share link[NEWLINE]agent: Will you be receiving a student loan in the future?[NEWLINE]user: Yes I'm currently applying.[NEWLINE]agent: In that case a student loan means that you are borrowing money to attend a college or career school. You must repay the loan as well as interest that accrues on it.[NEWLINE]user: Are there options on repaying that loan?[NEWLINE]agent: Yes and t is important to understand your repayment options so you can successfully repay your loan.[NEWLINE][BOUNDARY][NEWLINE]user: Who issues the loan?[NEWLINE]agent: It might come from the U.S. Federal Government, your State Government or your College or Career School.[NEWLINE][BOUNDARY][NEWLINE]user: And what's the difference between a loan and a grant?[NEWLINE]agent: A grant is a form of financial aid that doesn't have to be repaid unless, for example, you withdraw from school and owe a refund.[NEWLINE][BOUNDARY][NEWLINE]user: Are there private scholarships that I can apply for?


user: Hello, I would like to have more information about Student Loans[NEWLINE]agent: of course I will share a link for you to have more information[NEWLINE]agent: have you received a student loan?[NEWLINE]user: no[NEWLINE][BOUNDARY][NEWLINE]user: and what information is there to know the federal subsidies?[NEWLINE]agent: Watch this video to learn about federal grants, loans and work: studying jobs and how they can help you finance your education. Subtitles available in English and Spanish; just start the video and click on the CC symbol at the bottom.[NEWLINE][BOUNDARY][NEWLINE]user: and where does the financial aid come from?[NEWLINE]agent: Financial aid may come from federal, state, school, and private sources to help you pay for college or career school.[NEWLINE][BOUNDARY][NEWLINE]user: and what else can i see?[NEWLINE]agent: You can see the accessible version wmv[NEWLINE][BOUNDARY][NEWLINE]user: And what about the scholarships?


user: What types of financial aid is available to students?[NEWLINE]agent: Financial aid is money such as grants, work-study, loans, and scholarships that help make college affordable.[NEWLINE][BOUNDARY][NEWLINE]user: What sources does financial aid come from for college?[NEWLINE]agent: Financial aid is available from federal, state, school, and private sources to help pay for college.[NEWLINE][BOUNDARY][NEWLINE]agent: did you watch the Federal Student Aid video?[NEWLINE]user: Yes, I watched the types of Federal Student Aid video.[NEWLINE]agent: I am glad that you got to check out the video to learn about federal grants, loans, and work-study jobs and how they help pay for your education.[NEWLINE][BOUNDARY][NEWLINE]user: Can I get aid from my state government?[NEWLINE]agent: yes, you could get aid from your state government.[NEWLINE][BOUNDARY][NEWLINE]user: What exactly is a grant to help pay for college?[NEWLINE]agent: A grant is a form of financial aid that does not have to be payed back unless you withdraw from school and owe a refund.[NEWLINE]user: What types of federal grants are available?


user: I have questions about financial aid and student loans.[NEWLINE]agent: I will be happy to assist you with this.[NEWLINE]agent: Will you be taking out a student loan?[NEWLINE]user: I haven't decided yet.[NEWLINE][BOUNDARY][NEWLINE]user: What are some types of financial aid?[NEWLINE]agent: There are several types of financial aid, including grants, scholarships, work-study, and loans.[NEWLINE][BOUNDARY][NEWLINE]user: I'm having trouble viewing the Federal Student Aid Video on your website. What should I do?[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: I'm a high school senior who will be attending college in the fall. I need some information about student loans.[NEWLINE]agent: I can help you with that.[NEWLINE]agent: Will you be taking out a student loan?[NEWLINE]user: I'm not sure yet. I need more information first.[NEWLINE][BOUNDARY][NEWLINE]user: What are some different types of federal grants?[NEWLINE]agent: There are several federal grants that may be available to you, including Pell Grants, FSEOG, TEACH Grants, and Iraq and Afghanistan Service Grants.[NEWLINE][BOUNDARY][NEWLINE]user: Do military families qualify for any kind of financial aid?[NEWLINE]agent: Yes. There is aid available for members of military families.[NEWLINE]user: Does my state government offer financial aid?[NEWLINE]agent: Yes. Your state government is another source for financial aid.[NEWLINE][BOUNDARY][NEWLINE]user: What is the work-study program?


user: II'm going to be co-signing a federal aid loan for my wife and I need some more information about how it works.[NEWLINE]agent: I can help you with that. A co-signer is the spouse of an applicant who initiated an Income-Driven Repayment Plan Request.[NEWLINE]agent: Are you aware of your obligations to repay as the co-signer?[NEWLINE]user: No. I'm not sure how it works.[NEWLINE]user: Does it matter that the Income-Driven Repayment Plan Request was done as part of a Direct Consolidation Loan Application?[NEWLINE]agent: No. Your wife will just have to click on "Direct Consolidations Loan Applications" under "My Loan Documents" to find the co-sign code, you will need.[NEWLINE][BOUNDARY][NEWLINE]user: Who all can co-sign for this?[NEWLINE]agent: Only the spouse of an applicant that initiated an Income-Driven Repayment Request.[NEWLINE][BOUNDARY][NEWLINE]user: Do I need a Financial Information Note when I co-sign?[NEWLINE]agent: A Financial Information Note is only needed if you file income taxes separately from your wife.[NEWLINE][BOUNDARY][NEWLINE]user: What if I can't find the Co-sign code?


user: Can you explain what a co-signer is?[NEWLINE]agent: Yes, with the income-driven repayment plan the co-signer is the spouse of the applicant.[NEWLINE]agent: Do you know that the co-signer is not obligated to repay the loan by signing a borrowers IDR application?[NEWLINE]user: Yes, I understand that I am not obligated to pay back the loan as a co-signer on the borrower's IDR application.[NEWLINE]user: What about the reference number/co-sign code?[NEWLINE]agent: The IDR applicant should have given you the reference number/co-sign code.[NEWLINE][BOUNDARY][NEWLINE]user: Who should complete the co-signer part of the IDR plan request?[NEWLINE]agent: If you are the spouse of the applicant who initiated the IDR Plan Request then you should complete it.[NEWLINE][BOUNDARY][NEWLINE]user: What if I do not have the reference number or co-sign code?[NEWLINE]agent: Then you should contact the IDR applicant because an email was sent to them containing the reference number or co-sign code.[NEWLINE]user: I do not know where the reference number or co-sign code is, how can i get it?


user: Can you explain what a co-signer is for an Income-Driven Repayment Plan application?[NEWLINE]agent: A co-signer for an Income-Driver Repayment plan request is the spouse of the applicant.[NEWLINE]agent: Did they explain to you that you are not obligated as a spouse to repay the loan by co-signing?[NEWLINE]user: Yes, that was explained to me.[NEWLINE]user: What if the applicant completed an IDR plan request that was not part of a Direct Consolidation Loan Application?[NEWLINE]agent: He or she will click on "Income-Driven Repayment Plan Requests" under "My Loan Documents" to find and provide you with the required Reference Number.[NEWLINE][BOUNDARY][NEWLINE]user: Who should complete the co-signer form?[NEWLINE]agent: If you are the spouse of the applicant, then you should complete the Income-Drive Repayment Plan Request.[NEWLINE][BOUNDARY][NEWLINE]user: Where do I go to click for co-sign code?[NEWLINE]agent: You should click on "Direct Consolidation Loan Applications" under "My Loan Documents" to locate the code.[NEWLINE][BOUNDARY][NEWLINE]user: What do I need to do?


user: who is the co-signer on a repayment plan?[NEWLINE]agent: The co-signer is the spouse of an applicant who initiated an Income-Driven Repayment Plan Request.[NEWLINE]agent: Did you want to know about your obligation to repay the loan?[NEWLINE]user: yes[NEWLINE]user: where do we sign in?[NEWLINE]agent:  Co-sign Income - Driven Repayment IDR Plan Request[NEWLINE]user: where do we get the number to sign in?[NEWLINE]agent: You can get it from the IDR applicant. An e-mail containing the Reference Number/Co-sign Code was sent to him or her. The IDR applicant can also access the Reference Number/Co-sign Code by logging in to StudentAid.gov and clicking on the appropriate link.[NEWLINE][BOUNDARY][NEWLINE]user: who should do the plan request when we log in?[NEWLINE]agent: The spouse of the applicant who initiated an Income-Driven Repayment Plan Request.[NEWLINE][BOUNDARY][NEWLINE]user: but I use their reference number since I don't have one, right?


user: hello i would like to get information about What is a co-debtor?[NEWLINE]agent: A co-signer is the spouse of an applicant who initiated an Income-Based Payment Plan Application.[NEWLINE]agent: are you a co-signer?[NEWLINE]user: no[NEWLINE]user: and who should give me the joint signature code?[NEWLINE]agent: The IDR applicant should have provided you with a joint signature code / reference number.[NEWLINE]user: What if the application has already been completed?[NEWLINE]agent: In that case you will click on "Direct Consolidation Loan Applications" under "My Loan Documents" to locate you and provide you with the joint signature code you need. "Direct Consolidation Loan Applications" at "My Loan Documents" to locate and provide you with the joint signature code you need.[NEWLINE]user: and what should i do to start?[NEWLINE]agent: SIGN IN TO GET STARTED[NEWLINE]user: What if the applicant completed an Income-Based Payment Plan Application that was not part of a Direct Consolidation Loan Application?


user: I'm looking for information as to what constitutes a co-signer in relation to a spouse's income-driven repayment plan application form within the FSA,  can you help me with this?[NEWLINE]agent: A co-signer is defined as being the spouse of an applicant who initiated an Income-Driven Repayment Plan Request[NEWLINE]agent: Have you a concern or worry about being a co-signer on an application?[NEWLINE]user: Yes, I'm concerned that I may be obligated to repay the loan by signing this application[NEWLINE]user: What can I do if I do not have a Reference Number /Co-sign Code for the particular application?[NEWLINE]agent: You should contact the IDR applicant, who should have received an email containing the Reference Number/Co-sign Code. The IDR applicant can also access this information by logging into StudentAid.gov and clicking on the relevant link[NEWLINE][BOUNDARY][NEWLINE]user: What exactly do I need to complete my role as a co-signer within the FSA?[NEWLINE]agent: Initially, you will need to be logged in with your own personal FSA ID in order to co-sign the applicant's IDR request[NEWLINE][BOUNDARY][NEWLINE]user: How long should it normally take to complete my role as a co-signer?[NEWLINE]agent: Your role is normally completed in one session, which most people manage to complete in 10 minutes[NEWLINE][BOUNDARY][NEWLINE]user: How does my spouse provide me with a co-sign code during the Income-Driven Repayment Plan Request?


user: I want to get a better understanding on co-signing for an IDR[NEWLINE]agent: A co-signer is the spouse of an applicant who initiated an Income-Driven Repayment Plan Request[NEWLINE]agent: Are you a co-signer on an IDR plan?[NEWLINE]user: no, but I might be[NEWLINE]user: what will I need if I'm ready to co-sign?[NEWLINE]agent: If the IDR applicant completed an Income-Driven Repayment Plan Request that was not part of a Direct Consolidation Loan Application, he or she will click on "Income-Driven Repayment Plan Requests" under "My Loan Documents" to locate and provide you with the Reference Number you need.[NEWLINE]user: what if it is a direct consolidation loan?[NEWLINE]agent: If the applicant  completed an Income-Driven Repayment Plan Request as part of a Direct Consolidation Loan Application, he or she will click on "Direct Consolidation Loan Applications" under "My Loan Documents" to locate and provide you with the Co-sign Code you need.[NEWLINE]user: and it is the same place to sign in for both?[NEWLINE]agent: Yes, you log in to the Co-sign Income-Driven Repayment IDR Plan Request[NEWLINE][BOUNDARY][NEWLINE]user: can either one of us do it?


user: What exactly is a co-signer or an income-driven repayment plan application?[NEWLINE]agent: A co-signer happens to be a spouse of an applicant who asks for the income-driven repayment plan request.[NEWLINE]agent: Do you know you are not responsible to repay the loan by sigining a borrowers IDR application as a co-signer.[NEWLINE]user: Yes, I have read that I am not responsible to pay back the loan as a co-signer on my spouses IDR.[NEWLINE]user: What if I do not have a reference number to co-sign?[NEWLINE]agent: Ask your spouse because they were sent an email containing the reference number or they can access the reference number by logging into StudentAid.gov.[NEWLINE]user: Are there directions to access the reference number?[NEWLINE]agent: Yes, I can tell you how to find the reference number.[NEWLINE][BOUNDARY][NEWLINE]user: How long will the co-sign process actually take?[NEWLINE]agent: Most of the time it takes about 10 minutes to complete the actual co-sign process and must be completed in one session.[NEWLINE][BOUNDARY][NEWLINE]user: What if the applicant completed an Income-driven Repayment Plan request as part of a Direct Consolidation Loan Application?


user: Yes I'd like information. What types of aid is available at the federal level?[NEWLINE]agent: We have that information.[NEWLINE][BOUNDARY][NEWLINE]agent: Would you like to learn more about grants?[NEWLINE]user: Sure, that's a good place to start.[NEWLINE]agent: Grants are a type of financial aid that is typically based on need and usually doesn't have to be repaid.[NEWLINE][BOUNDARY][NEWLINE]user: I'm not sure what type of aid I would be eligible for, could you help me?[NEWLINE]agent: You can estimate what aid you may be eligible for when you check out our FAFSA4caster tool.[NEWLINE][BOUNDARY][NEWLINE]user: What if my dad died oversees in the Middle East?[NEWLINE]agent: The specific situation of having a parent killed in Iraq or Afghanistan could affect your eligibility for aid.[NEWLINE][BOUNDARY][NEWLINE]user: Can I find details about the specifics of Federal Student Aid here?[NEWLINE]agent: With our service here you can explore how financial aid works, learn about the types of aid, and find out if you're eligible or not.[NEWLINE][BOUNDARY][NEWLINE]user: And is it possible to know more or less how much I can get?


user: Could you let me know what type of Federal Student Aid is available?[NEWLINE]agent: Yes click on point [9] to learn more.[NEWLINE][BOUNDARY][NEWLINE]agent: Would you like to know about available grants?[NEWLINE]user: Yes sure.[NEWLINE]agent: A student grant is different from a loan as it's typically based on need and doesn't have to be repaid.[NEWLINE][BOUNDARY][NEWLINE]user: Does it matter if I'm not from the States?[NEWLINE]agent: We have information about how being a Non-U.S. citizen might impact your eligibilty.[NEWLINE][BOUNDARY][NEWLINE]user: Can I know how much I might get?[NEWLINE]agent: Yes we have a tool which helps you Estimate Your Aid.[NEWLINE][BOUNDARY][NEWLINE]user: Will I be allowed to work when I'm studying as well?[NEWLINE]agent: Yes there are Work-Study Jobs that provide a way to earn money to help you pay for school.[NEWLINE][BOUNDARY][NEWLINE]user: Is there interest on Federal Student Aid loans?


user: How can you help me understand financial aid?[NEWLINE]agent: Are you preparing for college or career school?[NEWLINE]user: No, not quite yet.[NEWLINE]user: Is there a way to estimate my AID?[NEWLINE]agent: Yes, there are ways to estimate your AID.[NEWLINE][BOUNDARY][NEWLINE]user: What is a loan?[NEWLINE]agent: A loan is money you would borrow to pay for college and you must repay the loan and interest that accrues.[NEWLINE][BOUNDARY][NEWLINE]user: How can I learn about financial aid?[NEWLINE]agent: You can explore how financial aid works, learn about the types of aid, and find out if you are eligible and estimate what aid you might get at FAFSA4caster.[NEWLINE][BOUNDARY][NEWLINE]user: What is a grant?


user: You may help me with financial aid for school[NEWLINE]agent: Are you preparing for college or career school?[NEWLINE]user: no, but I will be soon[NEWLINE]user: what can you tell me about aid?[NEWLINE]agent: We can help you explore how financial aid works, learn about the types of aid, and find out if you’re eligible. You can also estimate what aid you may be eligible for when you check out FAFSA4caster.[NEWLINE][BOUNDARY][NEWLINE]user: are there different kinds of help?[NEWLINE]agent: Yes, financial aid to pay for college is available from a variety of sources. Student aid includes grants, scholarships, work-study jobs, and loans.[NEWLINE][BOUNDARY][NEWLINE]user: what are the grants?[NEWLINE]agent: Grants are financial aid that is typically based on need and doesn't typically have to be repaid[NEWLINE][BOUNDARY][NEWLINE]user: and work study jobs?


user: hello could you help me understand financial aid[NEWLINE]agent: Are you currently preparing for college or vocational school?[NEWLINE]user: no[NEWLINE]user: And where can you see if I am eligible for the aid?[NEWLINE]agent: You can estimate what help you may be eligible for when you review FAFSA4caster.[NEWLINE]user: What do you recommend that I do now?[NEWLINE]agent: it is important that you estimate your help[NEWLINE][BOUNDARY][NEWLINE]user: Could situations affect your eligibility for help?[NEWLINE]agent: Military family members can enter situations that could affect your eligibility for help[NEWLINE][BOUNDARY][NEWLINE]user: and what are the subsidies for?


user: Hello, I would like to know who can receive financial aid[NEWLINE]agent: of course we are here to give you More information[NEWLINE][BOUNDARY][NEWLINE]agent: Do you want to know what situations could affect your eligibility for help?[NEWLINE]user: no[NEWLINE][BOUNDARY][NEWLINE]user: How can I estimate the aid I can access?[NEWLINE]agent: Use FAFSA4caster to get an early estimate of your eligibility for federal student aid.[NEWLINE][BOUNDARY][NEWLINE]user: and what do I do while preparing for college?[NEWLINE]agent: Explore how financial aid works, learn about types of aid, and find out if you are eligible. You can also estimate what aid you may be eligible for when you review FAFSA4caster.[NEWLINE][BOUNDARY][NEWLINE]user: and what is the scholarship based on?[NEWLINE]agent: that is based on academic or other achievement, or financial need, to help pay for school[NEWLINE][BOUNDARY][NEWLINE]user: What things can affect my eligibility?


user: I need student aid help[NEWLINE]agent: Are you preparing for college?[NEWLINE]user: not really, I'm prepared but still have a few questions[NEWLINE]user: can you help me with financial aid?[NEWLINE]agent: Yes,we can help you see how financial aid works, learn about the types of aid, and find out if you’re eligible. You can also estimate what aid you may be eligible for by using FAFSA4caster.[NEWLINE][BOUNDARY][NEWLINE]user: what can you tell me about grants?[NEWLINE]agent: Grants are financial aid that's typically based on need and doesn't typically have to be repaid[NEWLINE][BOUNDARY][NEWLINE]user: can anyone get financial aid by asking for it?[NEWLINE]agent: All applicants must meet basic eligibility requirements for federal student aid.[NEWLINE][BOUNDARY][NEWLINE]user: do you have more information on how a military service situation could affect whether or not I get financial aid?


user: I am having a few problems understanding the financial aid that is available through the FSA, could you help me with it please?[NEWLINE]agent: Are you currently preparing for college or a career school?[NEWLINE]user: Yes, I am[NEWLINE]agent: We have a dedicated piece on our website that informs you how financial aid works, gives you insights into what types of financial aid are available and also helps you to calculate what amount of financial aid you may be eligible for[NEWLINE][BOUNDARY][NEWLINE]user: What are the different types of aid that are available through the FSA?[NEWLINE]agent: Grants are aids that are available, based on need. These typically don't have to be repaid[NEWLINE][BOUNDARY][NEWLINE]user: Can you give me further information on the FAFSA4caster service?[NEWLINE]agent: This service is used to estimate what aid you may be eligible for and is specific for each and every applicant[NEWLINE][BOUNDARY][NEWLINE]user: Can you explain to me what Work-Study Jobs are in relation to the types of aid that are available?[NEWLINE]agent: Work-Study Jobs are a way for students to earn money to help pay for school[NEWLINE][BOUNDARY][NEWLINE]user: How are loans assessed under financial aid through the FSA?


user: I would like information on qualifying for financial aid.[NEWLINE]agent: Are you students planning on attending a college or career school?[NEWLINE]user: Not really, I'm not sure yet.[NEWLINE][BOUNDARY][NEWLINE]user: If I do eventually get a loan, what happens if I can't pay it back immediately?[NEWLINE]agent: In that situation you would have to contact your loan servicer to discuss repayment options.[NEWLINE][BOUNDARY][NEWLINE]user: How can I get a jump on the application process?[NEWLINE]agent: You can ask your current school counselors and the college financial aid office about state, college, and nonprofit grants and scholarships that you can apply for.[NEWLINE][BOUNDARY][NEWLINE]user: I was accepted at 3 colleges, which do I consult?[NEWLINE]agent: It would be wise to compare their costs and aid offers. Accept the aid from the school that's best for you and inform them of other sources of aid such as scholarships you expect to receive.[NEWLINE]user: What is an aid offer?


user: Can you tell me how Financial Aid for students works?[NEWLINE]agent: Are you planning to attend college or career school?[NEWLINE]user: Yes, I am.[NEWLINE]agent: Then you should know that you can get essential help through our financial aid and we can teach you how it works.[NEWLINE][BOUNDARY][NEWLINE]user: What if I'm accepted to multiple colleges?[NEWLINE]agent: Then evaluate and compare the costs and aid offers and accept the aid from the school that you choose. Also, don't forget to inform them of other sources of aid, such as scholarships, you expect to receive.[NEWLINE][BOUNDARY][NEWLINE]user: And what can I do if it starts to get difficult to make my payments?[NEWLINE]agent: Just contact your loan servicer to talk about repayment options.[NEWLINE][BOUNDARY][NEWLINE]user: How can I know what kind of help each school offers?[NEWLINE]agent: You can check their aid offer, there it should be explained the types and amounts of aid they are offering to you.[NEWLINE][BOUNDARY][NEWLINE]user: Ok, thanks for the information. Anything else I should know about how to maintain my aid?


user: I'm looking for Financial Aid help[NEWLINE]agent: Are you planning to attend college or career school?[NEWLINE]user: not at the moment but I want to learn about these things for when I'm ready[NEWLINE][BOUNDARY][NEWLINE]user: can you tell me about the FAFSA application?[NEWLINE]agent: You can apply for federal grants, work-study, and loans with the Free Application for Federal Student Aid form by filling it out before each year of college. Your school will use your FAFSA data to determine your federal aid eligibility[NEWLINE]agent: Did you want more information?[NEWLINE]user: yes, what happens after I send it in?[NEWLINE]agent: After you submit it you will receive your Student Aid Report[NEWLINE][BOUNDARY][NEWLINE]user: do they tell me what I can get in aid?[NEWLINE]agent: Yes, you will get an aid offer that explains the types and amounts of aid a college is offering you, and your expected costs for the year[NEWLINE][BOUNDARY][NEWLINE]user: how can I prepare for when I'm ready to do all of this?


user: I need help understanding how financial aid works.[NEWLINE]agent: Are you planning to attend college or a career school?[NEWLINE]user: No, my son is.[NEWLINE][BOUNDARY][NEWLINE]user: Who can assist me with planning for my son's college expenses?[NEWLINE]agent: Your son's school counselors will be able to help you with this. Additionally, the college financial aid office can help your son find state, college, and non-profit grants and scholarships to apply for.[NEWLINE][BOUNDARY][NEWLINE]user: That's great. What if my son gets accepted to more than one college?[NEWLINE]agent: If your son is accepted by multiple colleges, it's very important to compare the costs and aid offers of each, so that he can accept aid from the school that is best for him.[NEWLINE][BOUNDARY][NEWLINE]user: How will my son receive the aid?[NEWLINE]agent: His financial aid office will apply the aid to the amount he owes. The remaining balance can then be used for other college costs.[NEWLINE][BOUNDARY][NEWLINE]user: What is an aid offer?


user: hello could you help me understand how financial aid works[NEWLINE]agent: are you planning to attend college or vocational school?[NEWLINE]user: yes[NEWLINE]agent: in that case financial aid is essential. We'll explain how financial aid works, resources to pay for college, and loan repayment options.[NEWLINE][BOUNDARY][NEWLINE]user: And how can I do if I have been accepted in several universities?[NEWLINE]agent: In that case you should compare costs and offers of help. Accept help from the school that is best for you and inform them of other sources of help, such as the scholarships you hope to receive.[NEWLINE][BOUNDARY][NEWLINE]user: And would you recommend that I pay the student loans?[NEWLINE]agent: As you prepare to graduate, prepare to pay off your student loans. Good news! Federal student loan borrowers have a six-month grace period before payments begin.[NEWLINE][BOUNDARY][NEWLINE]user: and how to determine if I am eligible for help?[NEWLINE]agent: Your college uses your FAFSA data to determine your eligibility for federal aid.[NEWLINE][BOUNDARY][NEWLINE]user: and how do i keep that help?


user: Hello, I would like to obtain from How Financial Aid Works[NEWLINE]agent: do you plan to attend college or vocational school?[NEWLINE]user: yes[NEWLINE]agent: financial aid is essential. We'll explain how financial aid works, resources to pay for college, and loan repayment options.[NEWLINE][BOUNDARY][NEWLINE]user: I would also like to know what happens after the presentation?[NEWLINE]agent: After the presentation, you will receive your Student Aid Report.[NEWLINE][BOUNDARY][NEWLINE]user: and what is an offer and help?[NEWLINE]agent: Your offer of aid explains the types and amounts of aid a university offers you, and your expected costs for the year.[NEWLINE]user: And what if I have been accepted at several universities?[NEWLINE]agent: If you've been accepted to multiple colleges, compare costs and offers of help. Accept help from the school that is best for you and inform them of other sources of help, such as the scholarships you hope to receive.[NEWLINE][BOUNDARY][NEWLINE]user: and what recommendations can you give me?


user: Hello, I would like information on how financial aid works[NEWLINE]agent: are you planning to attend college or vocational school?[NEWLINE]user: yes[NEWLINE]agent: financial aid is essential. We'll explain how financial aid works, resources to pay for college, and loan repayment options.[NEWLINE][BOUNDARY][NEWLINE]user: and what is the offer of help?[NEWLINE]agent: Your offer of aid explains the types and amounts of aid a university offers you, and your expected costs for the year.[NEWLINE]agent: have you been accepted in several universities?[NEWLINE]user: no[NEWLINE][BOUNDARY][NEWLINE]user: and can I start the refund?[NEWLINE]agent: Are you preparing to graduate?[NEWLINE]user: no[NEWLINE]agent: Are you behind on your payments?[NEWLINE]user: yes


user: I have questions about how financial aid works.[NEWLINE]agent: Are you planning to attend college or a career school?[NEWLINE]user: No, my daughter will be.[NEWLINE][BOUNDARY][NEWLINE]user: What is an aid offer?[NEWLINE]agent: Your aid offer will explain the types and amounts of student aid a college is offering your daughter. It also covers the expected costs for the year.[NEWLINE]agent: Has your daughter been accepted to more than one college?[NEWLINE]user: No, but that could change.[NEWLINE][BOUNDARY][NEWLINE]user: How can I plan early for my daughter's college expenses?[NEWLINE]agent: To start planning, you should ask your daughter's school counselors and the college financial aid office about different state, college, and non-profit grants and scholarships that she can apply for.[NEWLINE][BOUNDARY][NEWLINE]user: When should my daughter fill out her FAFSA form?


user: Financial aid[NEWLINE]agent: Are you planning to attend college or career school?[NEWLINE]user: not until a few years but I want to be prepared[NEWLINE][BOUNDARY][NEWLINE]user: how soon would I have to start paying back a school loan?[NEWLINE]agent: For a federal student loan you would have a 6 month grace period before you begin making payments after graduation.[NEWLINE]user: who would I talk to about repaying the loan if I get into money problems?[NEWLINE]agent: You would need to contact your loan servicer to discuss repayment options[NEWLINE][BOUNDARY][NEWLINE]user: when getting a school loan would I have to ask for a specific amount?[NEWLINE]agent: If you fill out the FAFSA form you will receive an aid offer that explains the types and amounts of aid a college is offering you, and your expected costs for the year.[NEWLINE]user: will I get offered the same amount no matter where I go?


user: I would like to know what criteria are used to calculate how much aid a student will receive.[NEWLINE]agent: The colleges or career schools you list on your Free Application for Federal Student Aid form will use several pieces of information to calculate your aid.[NEWLINE][BOUNDARY][NEWLINE]user: What is need-based aid?[NEWLINE]agent: The following formula is used:Cost of Attendance COA Expected Family Contribution EFC = Financial Need[NEWLINE][BOUNDARY][NEWLINE]user: Can you give me an example?[NEWLINE]agent: For example, if your Cost of Attendance is $ 16,000 and you have been awarded a total of $ 4,000 in need-based aid and private scholarships, you can get up to $ 12,000 in non-need-based aid.[NEWLINE][BOUNDARY][NEWLINE]user: What exactly is COA?[NEWLINE]agent: Your COA is the amount it will cost you to go to school or your total cost for the school year for instance, for the fall semester plus the spring semester.[NEWLINE]agent: Will you be attending at least half-time?[NEWLINE]user: Yes.[NEWLINE]agent: In that case, your COA is the estimate of tuition and fees; the cost of room and board, books, supplies, transportation, loan fees, and miscellaneous expenses including a reasonable amount for the documented cost of a personal computer and other possible expenses.[NEWLINE][BOUNDARY][NEWLINE]user: Who calculates need-based aid, the government?


user: I wanted to know how you decide how much financial aid I get[NEWLINE]agent: The colleges or career schools you list on your Free Application for Federal Student Aid form will use several pieces of information to calculate your aid[NEWLINE][BOUNDARY][NEWLINE]user: like what is a simple way you could explain it to me?[NEWLINE]agent: Need-based aid is calculated by taking the Cost of Attendance COA  and the Expected Family Contribution EFC and finding your Financial Need[NEWLINE][BOUNDARY][NEWLINE]user: and what can you tell me about non-need based aid?[NEWLINE]agent: Your school will determine that by using another formula.[NEWLINE]agent: Would you like an example?[NEWLINE]user: no, I want to ask something else[NEWLINE][BOUNDARY][NEWLINE]user: do they use something else besides the formulas to see if I need aid?[NEWLINE]agent: Your college or career school first determines whether you have financial need by using that simple formula[NEWLINE][BOUNDARY][NEWLINE]user: what is the EFC about?


user: Hi, thanks for helping me out. You know, I've been having some doubts about aid, Do you happen to know my student aid is calculated?[NEWLINE]agent: Well, that is something that depends on several factors and pieces of information, that will be used for that purpose.[NEWLINE][BOUNDARY][NEWLINE]user: Well, o.k, i guess. Not saying too much, really. Anyway, I heard about some non-need aid, can you talk me about it?[NEWLINE]agent: Sure, It's a kind of aid that doesn't go over your overall needs, so the amount can be calculated based on your school instead.[NEWLINE]agent: Do you know if your Cost of Attendance is near $16,000, plus $4,000 of need-based aid and private scholarship?[NEWLINE]user: I wish, but no, nothing like that.[NEWLINE][BOUNDARY][NEWLINE]user: So, you can't tell me nothing about that calculation formula for my need -based aid?[NEWLINE]agent: As for non-need based aid, they use various factors to calculate that.[NEWLINE]agent: Your Coa is $16,000?


user: I'd like information about how my student aid is figured out?[NEWLINE]agent: Well, the colleges or career schools you list on your Free Application for Federal Student Aid FAFSA form will use several pieces of information to calculate your aid.[NEWLINE][BOUNDARY][NEWLINE]user: I'm unclear on what non-need-based aid is, could you explain it?[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]agent: Would you like an example?[NEWLINE]user: No I think I get it.[NEWLINE][BOUNDARY][NEWLINE]user: Are there any need-based Federal Aid programs?[NEWLINE]agent: Yes there are:Federal Perkins LoanFederal Pell GrantFederal Supplemental Educational Opportunity Grant FSEOGDirect Subsidized LoanFederal Work-Study[NEWLINE][BOUNDARY][NEWLINE]user: I'll be a full time student, how is my cost of attending school calculated?[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?


user: How do you come up with the amount of financial aid I will get?[NEWLINE]agent: The schools you list on your Free Application for Federal Student Aid form will use several pieces of information to calculate your aid.[NEWLINE][BOUNDARY][NEWLINE]user: is it the same for determining how much non-need financial aid we will receive?[NEWLINE]agent: The school will use a formula to determine how much non-need based aid you can get.[NEWLINE]agent: Would you like an example on how the aid is determined?[NEWLINE]user: yes[NEWLINE]agent: Okay, lets say your COA is $16,000 and you’ve been awarded a total of $4,000 in need-based aid and private scholarships, you can get up to $12,000 in non-need-based aid.[NEWLINE][BOUNDARY][NEWLINE]user: how does the need based aid work if my cost is the same as your example?[NEWLINE]agent: If your COA is $16,000 and your EFC is 12000, your financial need is $4,000, so you aren’t eligible for more than $4,000 in need-based aid.[NEWLINE][BOUNDARY][NEWLINE]user: how is my non need financial aid determined?[NEWLINE]agent: The school takes your cost of attendance and subtracts any financial aid you have already been awarded[NEWLINE][BOUNDARY][NEWLINE]user: how is the EFC used/


user: Hello, I would like to know how the amount of my federal student aid is determined?[NEWLINE]agent: The colleges or professional schools you list on your Free Application for Federal Student Aid FAFSA will use various data to calculate your aid.[NEWLINE][BOUNDARY][NEWLINE]user: What is need-based aid and how does my school calculate how much I will receive?[NEWLINE]agent: Your college or career school first determine if you have a financial need using this simple formula:[NEWLINE]agent: your COA is $ 16,000 and your EFC is 12,000?[NEWLINE]user: no[NEWLINE][BOUNDARY][NEWLINE]user: Could you tell me what is the expected family contribution (EFC)?[NEWLINE]agent: Your EFC is an index number that college financial aid staff use to determine how much financial aid you would receive if you went to school. The information you report on your FAFSA is used to calculate your EFC.[NEWLINE][BOUNDARY][NEWLINE]user: What do you recommend to learn more about this?[NEWLINE]agent: If you want a long answer, read on! This way you will understand all your concerns[NEWLINE][BOUNDARY][NEWLINE]user: What if my COA is $ 16,000 and you have been awarded a total of $ 4,000 in need-based aid and private scholarships?


user: How is calculation done when determining how much I am due to receive in federal student aid?[NEWLINE]agent: The schools that you list on your FAFSA form use several pieces of information to calculate how much you will receive in aid[NEWLINE][BOUNDARY][NEWLINE]user: What is the easiest way of explaining what the basic eligibility criteria for federal student aid is, and who decides how much I receive?[NEWLINE]agent: I can answer that for you in a very short manner, if that 's ok with you[NEWLINE][BOUNDARY][NEWLINE]user: What does the term cost of attendance (COA) mean?[NEWLINE]agent: COA is that cost incurred for you to attend school. Most colleges will calculate your COA which will show all costs involved in attending that school for the academic year[NEWLINE]agent: Are you/will you be attending school at least for half of the academic year?[NEWLINE]user: Yes, I will[NEWLINE]agent: In this case, your COA is calculated and estimated on a number of different factors[NEWLINE][BOUNDARY][NEWLINE]user: What role does the EFC play along with my COA when deciding how much I receive in federal student aid?[NEWLINE]agent: Your EFC is subtracted from your COA which then determines the amount of your financial need. This is then used to determine how much need-based financial aid you will recieve[NEWLINE]user: Is there a long answer for my earlier question regarding me meeting the eligibility criteria for federal student aid and who then decides how much federal aid I receive?


user: hi, a question how do you determine the amount of federal student aid?[NEWLINE]agent: The colleges or professional schools you list on your Free Application for Federal Student Aid FAFSA will use various data to calculate your aid.[NEWLINE][BOUNDARY][NEWLINE]user: What if I attend at least half time?[NEWLINE]agent: your COA is the estimate of various factors[NEWLINE][BOUNDARY][NEWLINE]user: What is non-need based aid and how does my school calculate how much I will receive?[NEWLINE]agent: Your school determines how much non-need aid you can get using this formula.[NEWLINE]user: can you give me an example[NEWLINE]agent: For example, if your COA is $ 16,000 and you have been awarded a total of $ 4,000 in need-based aid and private scholarships, you can get up to $ 12,000 on a non-need-based basis.[NEWLINE][BOUNDARY][NEWLINE]user: What is need-based aid and how does my school calculate how much I will receive?[NEWLINE]agent: Your college or career school first determine if you have a financial need using this simple formula.[NEWLINE]agent: your COA is $ 16,000 and your EFC is 12,000?


user: Hello there, I'm here to learn more about school aid offers.[NEWLINE]agent: Have you applied to several schools then?[NEWLINE]user: Yes, I have.[NEWLINE]agent: In that case be sure to compare aid offers to see which school will be the most affordable.[NEWLINE]user: I'll do that, thank you. What if I received an aid offer from a school and it changed at a later point?[NEWLINE]agent: 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 form but then later decided to live off campus.[NEWLINE]user: That doesn't apply to me. Are there any other reasons why this could happen?[NEWLINE]agent: Yes, it can also happen if you are selected for verification.[NEWLINE][BOUNDARY][NEWLINE]user: Ah, then it all makes sense. Say, what if I have any questions or don't understand what's in the aid offer?[NEWLINE]agent: Then you should contact the financial aid office at the school. They re there to help. It's important to understand what you're being offered e.g., which items in the offer are grants and which are loans.[NEWLINE]user: What if the school simply doesn't list the cost of attendance on the aid offer?


user: Hi, could you please explain what an award letter is?[NEWLINE]agent: An award letter tells you what financial aid  you can receive at a particular college or career school. Have you applied for aid at a college?[NEWLINE]user: Yes I have applied to several career schools.[NEWLINE][BOUNDARY][NEWLINE]user: I have an aid offer but am having difficulty figuring out the net price for the school where can I get  help?[NEWLINE]agent: You can get help with this by contacting the financial aid office at the school. Remember it is important to understand what is being offered. For example is it a loan or is it a grant.[NEWLINE]user: What if the aid is not sufficient and I have to take out a loan to pay for schooling?[NEWLINE]agent: If you have to take out a loan you should pay special attention to the terms and conditions of private loans so that you understand what your obligations would be. You should read up about federal versus private loans.[NEWLINE]user: What is meant by net costs for schooling?[NEWLINE]agent: The net cost is the amount you will have to pay out of your pocket by way of loans or using your earnings from work.[NEWLINE]user: What should I do if the college does not list the cost of attendance on the aid offer?


user: What is a school aid offer?[NEWLINE]agent: Have you applied to several schools?[NEWLINE]user: No I have not yet.[NEWLINE][BOUNDARY][NEWLINE]user: What if I need to take a larger amount in private loans than at another?[NEWLINE]agent: You should pay extra attention to the terms and conditions on private loans so you will understand what obligations you would have and also read about federal versus private loans.[NEWLINE]user: What if the school does not list the cost of attendance on their aid offer?[NEWLINE]agent: Ask the financial aid office for the amount and make sure it includes amounts you will pay to the school directly such as tuition and fees.[NEWLINE]user: Will any transportation fees be included?[NEWLINE]agent: You should also ask them about transportation fees because sometimes they are included.[NEWLINE]user: Are there steps to figuring out net price?


user: I have some questions about financial aid for students. Can you answer them, please?[NEWLINE]agent: Of course. Have you applied to several schools?[NEWLINE]user: No, at least not yet.[NEWLINE]user: What if I listed a school on my application for student aid?[NEWLINE]agent: Then you might get a tentative aid offer from a school and then find that it changes later.[NEWLINE][BOUNDARY][NEWLINE]user: I see. And what if I have any questions or don't understand what's included in the aid offer?[NEWLINE]agent: Simply contact the financial aid office at the school. They re there to help! It's important to understand what you're being offered e.g., which items in the offer are grants and which are loans.[NEWLINE]user: What else does my aid offer include?[NEWLINE]agent: Your aid offer might include student loans, so it's important for you to compare the amount of debt you would be taking on at the schools you are considering.[NEWLINE]user: Interesting. And what should I do if I need to take out a larger amount in private loans at one school than at another?


user: I need help understanding school aid offers.[NEWLINE]agent: I can assist you with this. Have you applied to multiple schools?[NEWLINE]user: No, my son has.[NEWLINE][BOUNDARY][NEWLINE]user: How do we figure out the net price for each school he has applied to?[NEWLINE]agent: I can help you with that. Finding out the net price for each school helps you figure out which one will be the most affordable for your son.[NEWLINE]user: What if the school he applied to doesn't list the cost of attendance on his aid offer?[NEWLINE]agent: He can ask the financial aid office for this information. Be sure that it includes the amount he will pay to the school directly like tuition and fees, and other costs(living expenses, supplies, and transportation).[NEWLINE]user: Who can help answer questions about my son's aid offer?[NEWLINE]agent: Your son's financial aid office at his school can help you with this.[NEWLINE]user: What if he needs to take out larger amounts of private loans at one school over another?


user: Hello, I would like to know what financial aid I can receive at a particular university or vocational school.[NEWLINE]agent: have you applied to various schools?[NEWLINE]user: yes[NEWLINE]agent: Be sure to compare the help offers to see which school will be the most affordable.[NEWLINE]user: and could they change the school?[NEWLINE]agent: Yes You may receive a provisional aid offer from a school and then find out that it changes later.[NEWLINE][BOUNDARY][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: 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, I would like to know what a school aid offer is[NEWLINE]agent: have you applied to various schools?[NEWLINE]user: yes[NEWLINE]agent: if so be sure to compare the help offers to see which school will be the most affordable.[NEWLINE]user: and could it happen that you receive an offer of provisional help from a school and then find out what changes later?[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: 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: I got an award letter, now what[NEWLINE]agent: Have you applied to several schools?[NEWLINE]user: just one[NEWLINE][BOUNDARY][NEWLINE]user: where can I go for help with my aid offer?[NEWLINE]agent: You can contact the financial aid office at the school. It is important that you understand what you're being offered.[NEWLINE]user: How can I figure out costs?[NEWLINE]agent: You can find the cost of attendance for your program on the aid offer[NEWLINE]user: what if I will need more help by taking out a loan to help pay for costs?[NEWLINE]agent: If you need to do that you should pay special attention to the terms and conditions of the private loans so you understand what your obligations would be[NEWLINE][BOUNDARY][NEWLINE]user: can my aid offer change later on?


user: Can I get a discharge of my student loan?[NEWLINE]agent: You could if you are eligible due to an unpaid refund by your school after you withdraw from school.[NEWLINE]agent:  Did you withdraw from school after receiving a direct federal loan or an FFEL Program loan?[NEWLINE]user: I did, yes.[NEWLINE]agent: Then your school may have been required under federal regulations to return some or all of the loan money to your servicer, if they didn't then you may be eligible for a discharge of your loan.[NEWLINE]user: How much of mu loan could be discharged?[NEWLINE]agent: Just the portion that your school failed to return.[NEWLINE][BOUNDARY][NEWLINE]user: Just that?[NEWLINE]agent: Yes, as I said, only the portion of the loan that the school failed to return is eligible for a discharge. You can contact your loan servicer for more information.[NEWLINE][BOUNDARY][NEWLINE]user: So, how can I apply for an unpaid refund discharge? My school it' still operating.[NEWLINE]agent: First, you should contact your school to try and resolve the issue with them before applying for an unpaid refund discharge.[NEWLINE]user: And what could I do in case the school is suddenly closed down?