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]agent: Unfortunately, no relevant information is found.[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]user: Can you tell me on what types of loan are calculated for disclosure purposes?[NEWLINE]agent: The Medium Private Loans, Medium Institutional Loans, and Medium Title IV Loans were calculated for disclosure purposes and are NOT the median used in the Redemption Rate or Debt-to-Income Ratio calculations.[NEWLINE][BOUNDARY][NEWLINE]user: I also need more information about Medium Private Loans and  Medium Institutional Loans, 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: When did the new regulations go into effect?[NEWLINE]agent: In accordance with regulations effective July 1, 2012, the United States Department of Education calculates metrics for GE Programs each year.[NEWLINE]agent: and do you know the reasons why assumptions cannot be made?[NEWLINE]user: no but i want to meet them


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: OK thank you. I would also like to find out about the Higher Education Law.. when did the new regulations go into effect?[NEWLINE]agent: In accordance with regulations effective July 1, 2012, the United States Department of Education calculates metrics for GE Programs each year.[NEWLINE]agent: and do you know the reasons why assumptions cannot be made?[NEWLINE]user: no but i want to meet them


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


user: 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][BOUNDARY][NEWLINE]user: So what if I'm not an eligible non-citizen due to criminal or drug conviction. Can I still have a chance to get any type of financial aid to study in the U.S.?[NEWLINE]agent: Ask the college or career school you plan to attend whether they offer any aid for students like you.[NEWLINE][BOUNDARY][NEWLINE]user: In which case would that be possible?


user: 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: Are you familiar with Eligibility Criteria? What am I supposed to do first? Is it necessary for me to display my GED or a diploma?[NEWLINE]agent: Do you have a high school diploma or a recognized equivalent such as a General Educational Development certificate?[NEWLINE]user: I have a GED[NEWLINE]agent: That GED shows you are qualified to obtain a college or career school education[NEWLINE]user: I also need to be registered for the draft, right?[NEWLINE]agent: Yes, you have to be registered with Selective Service[NEWLINE][BOUNDARY][NEWLINE]user: how do I register if I forgot about it?


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: If I want to show that I'm qualified for the federal student aid, what proof do I need to get a college education?[NEWLINE]agent: Do you have your high school diploma or a GED certificate.[NEWLINE]user: Yes, I have my high school diploma to provide.[NEWLINE]agent: Then you are qualified to get a college education.[NEWLINE][BOUNDARY][NEWLINE]user: do I need to register with Selective Service?


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]user: That's really cool. Make a lot of noise about inclusion. Say, for example, what are the ways to demonstrate that I'm eligible to pursue higher education?[NEWLINE]agent: Do you mean something like an ability test? Because you have the ability to benefit test. Is that what you're looking for?[NEWLINE]user: Yeah, correct, I think that should be the thing i need to know about.[NEWLINE]agent: Good. To be able for an ability to benefit test, which can be administered by a college, you had to be enrolled in college or career school prior July 1, 2012 or being currently enrolled in a eligible career pathway program.[NEWLINE]user: Did you say before July 1st, aren't you?[NEWLINE]agent: That's right. The deadline was July 1, 2012.[NEWLINE][BOUNDARY][NEWLINE]user: O.k, got that written down. Hey, talking again about criteria, could you tell me more examples?


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: Where can I attain more information on the criteria for completing an approved drug rehabilitation program?[NEWLINE]agent: For more information on these criteria, speak to your school's financial aid office.[NEWLINE]user: And how do I show if I am qualified to get a higher education?[NEWLINE]agent: do you have a diploma or GED?[NEWLINE]user: no[NEWLINE]agent: Have you completed six credit hours or course work?[NEWLINE]user: yes[NEWLINE]agent: If you were enrolled in a university or vocational school before July 1, 2012, or if you are currently enrolled in an eligible career program, you can demonstrate that you are qualified for a higher education[NEWLINE][BOUNDARY][NEWLINE]user: and should i register?


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: I see what you mean. May I ask a follow-up question about Benefit Alternatives and where I could find more information?[NEWLINE]agent: For more information on these criteria, speak to your school's financial aid office.[NEWLINE]user: And how do I show if I am qualified to get a higher education?[NEWLINE]agent: do you have a diploma or GED?[NEWLINE]user: no[NEWLINE]agent: Have you completed six credit hours or course work?[NEWLINE]user: yes[NEWLINE]agent: If you were enrolled in a university or vocational school before July 1, 2012, or if you are currently enrolled in an eligible career program, you can demonstrate that you are qualified for a higher education[NEWLINE][BOUNDARY][NEWLINE]user: and should i register?


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]user: Something else about Ability-to-Benefit Alternatives. Where can I find out more information?[NEWLINE]agent: For more information on these criteria, speak to your school's financial aid office.[NEWLINE]user: And how do I show if I am qualified to get a higher education?[NEWLINE]agent: do you have a diploma or GED?[NEWLINE]user: no[NEWLINE]agent: Have you completed six credit hours or course work?[NEWLINE]user: yes[NEWLINE]agent: If you were enrolled in a university or vocational school before July 1, 2012, or if you are currently enrolled in an eligible career program, you can demonstrate that you are qualified for a higher education[NEWLINE][BOUNDARY][NEWLINE]user: and should i register?


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?[NEWLINE][BOUNDARY][NEWLINE]user: I got it. Another question I have. Types of video. Is there an accessible wmv version for the video[NEWLINE]agent: Yes, you can access a wmv version.[NEWLINE][BOUNDARY]


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 also want to ask, as I prepare for college, can I review and understand the financial aid that I am going to apply for? Do you have any place where I can get information?[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: 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]agent: Unfortunately, no relevant information is found.[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: Do you have any information on how financial aid works so I will better understand what to prepare 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: 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]agent: Unfortunately, no relevant information is found.[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: You could also be a student government representative or the editor of the college newspaper or yearbook; you could be an older student; your family's main wage earner is unemployed; or you or a family member works at the school. What are some options for saving money on tuition?[NEWLINE]agent: Are you the child of an alumnus or alumna?[NEWLINE]user: no[NEWLINE]agent: Will you have more than one family member enrolled at the school?[NEWLINE]user: yes, my sister goes to the school[NEWLINE]agent: You can check with the school to see if they offer a discount on tuition.[NEWLINE]user: anything else to help lower the cost?


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: Can you help me on who I can contact if I want to update informations on my FAFSA form? In case the number of my family members increases due to a change in my marital status?[NEWLINE]agent: in that case you should speak to the financial aid office of the school you plan to attend to determine if you can update the FAFSA form[NEWLINE][BOUNDARY][NEWLINE]user: What if you made a mistake in what you reported on the FAFSA?


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: If the number of family members changes as a result of a change in my marital status, what should I do?[NEWLINE]agent: in that case you should speak to the financial aid office of the school you plan to attend to determine if you can update the FAFSA form[NEWLINE][BOUNDARY][NEWLINE]user: What if you made a mistake in what you reported on the FAFSA?


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]agent: Unfortunately, no relevant information is found.[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: By the way, about making corrections, if I made a mistake in the FAFSA information, what can I do?


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]agent: Unfortunately, no relevant information is found.[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: I have another question about Student Aid Report,  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][BOUNDARY][NEWLINE]user: You've got it. Another query about SAR Data Release Number. What exactly is on 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: That is helpful information.  Do you know if I can modify my FAFSA application details after submitting it?


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]agent: Unfortunately, no relevant information is found.[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: What is need-based assistance, and how does my school determine the amount I will receive? What is the most straightforward way you could describe 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: I'd like to know if where I can get an updated copy of my SAR if I discover an error that needs to be corrected?[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: Do you also know how to fix or upgrade your FAFSA submission, as well as what types of changes I can make to my FAFSA form after it has been processed? And I'll be able to email you if my condition changes?


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: I'd like to inquire about the parent PLUS loan. If it differs, I can simply do it for the school?[NEWLINE]agent: The school's financial aid office can help you request a parent PLUS loan[NEWLINE][BOUNDARY][NEWLINE]user: what can help me get a loan if I have bad credit?[NEWLINE]agent: One thing you can do is get an endorser who does not have an adverse credit history. An endorser is someone who agrees to repay the parent PLUS loan if you do not repay it.[NEWLINE][BOUNDARY][NEWLINE]user: do we do the application online or go to the school?


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 if the number of family members changes, as a result of a change in my marital status?[NEWLINE]agent: in that case you should speak to the financial aid office of the school you plan to attend to determine if you can update the FAFSA form[NEWLINE][BOUNDARY][NEWLINE]user: What if you made a mistake in what you reported on the FAFSA?


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][BOUNDARY][NEWLINE]user: What should I do if I want to update my FAFSA form if the number of family members changes as a result of a change in my marital status?[NEWLINE]agent: in that case you should speak to the financial aid office of the school you plan to attend to determine if you can update the FAFSA form[NEWLINE][BOUNDARY][NEWLINE]user: What if you made a mistake in what you reported on the FAFSA?


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: Could you please clarify to me the interest rate for Direct PLUS Loans?[NEWLINE]agent: for loans disbursed on or after July 1, 2019, the interest rate is 7.08% which is a fixed interest rate for the life of the loan.[NEWLINE][BOUNDARY][NEWLINE]user: Can you tell me where can I get info about the parent PLUS loans I've received?[NEWLINE]agent: You can visit My Aid to get information about all the federal student loans and other financial aid you've received.[NEWLINE][BOUNDARY][NEWLINE]user: What should I be aware of after receiving a parent PLUS loan?


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]user: Okay. Now, about scholarship. do scholarships mess with my financial aid?[NEWLINE]agent: A scholarship will affect your other student aid because all your student aid added together can’t be more than the cost of attendance at your school.[NEWLINE][BOUNDARY][NEWLINE]user: Can you please tell me exactly what financial aid really is?[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: I was wondering if is it necessary to take federal student loans to pay for my education?[NEWLINE]agent: Don't be afraid to take out federal student loans, but you should be smart about it.[NEWLINE][BOUNDARY][NEWLINE]user: Regarding federal student aid video aid, is there a way to access a wmv format for the FSA video?[NEWLINE]agent: Yes, you can access a wmv version.[NEWLINE][BOUNDARY][NEWLINE]user: I also need more infor aboutS c h l.Btw, for XXXX. 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]agent: Unfortunately, no relevant information is found.[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: OK. Now, about Federal Work-Study Program. Can you tell me what is the Grant Eligibility?[NEWLINE]agent: This case applies are granted only to students with financial needs.[NEWLINE]agent: Now I ask you if you are interested in our grants.[NEWLINE]user: What are the grant plans?[NEWLINE]agent: Do you want to apply for another type of financial aid?[NEWLINE][BOUNDARY][NEWLINE]user: I wonder if the grant can be repaid?


user: What 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: Another question about financial aid, when do we start paying back the loan?[NEWLINE]agent: Have you graduated from college?[NEWLINE]user: no, not even started yet[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: what else do I need to get my loan?[NEWLINE]agent: Are you planning on getting federal student loans with your financial aid?


user: 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][BOUNDARY][NEWLINE]user: I am doubting whether to ask for the loan for a national or an international university but. Can I find out what pass rates are in International Medical Schools?[NEWLINE]agent: Yes, International Medical Schools have things like pass rates on US Medical Licensing Exams, student loan debt, and completion rates.[NEWLINE][BOUNDARY][NEWLINE]user: Sure. Now I'd like to ask you regarding the repayment options. Can you tell me in detail on how can I successfully repay my loan?[NEWLINE]agent: Yes and t is important to understand your repayment options so you can successfully repay your loan.[NEWLINE][BOUNDARY][NEWLINE]user: What if I have questions about my student loans or require assistance?[NEWLINE]agent: Your loan servicer would have to help you.[NEWLINE][BOUNDARY][NEWLINE]user: Also, I really need to find out who is issuing the loan? I do not like to interact with someone who does not trust me[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]agent: Unfortunately, no relevant information is found.[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: I also need more infor about student status. do we get paid by the hour or a certain amount[NEWLINE]agent: That depends partly on whether you are an undergraduate or graduate student.[NEWLINE]agent: Are you an undergraduate student?[NEWLINE]user: no[NEWLINE]agent: Are you a graduate or professional student?[NEWLINE]user: I'm a grad student[NEWLINE]agent: You will be paid by the hour or by salary depending on the work you will be doing.[NEWLINE][BOUNDARY][NEWLINE]user: who runs the work study service?


user: 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: Is it possible for my parents to apply for a Direct Loan to help me pay for my college education?[NEWLINE]agent: Yes, these are known as Federal parent loans and are Direct PLUS Loans aimed at parents[NEWLINE][BOUNDARY][NEWLINE]user: I need to inquire about the various financial aid options available. Can I receive assistance from my state government?[NEWLINE]agent: yes, you could get aid from your state government.[NEWLINE][BOUNDARY][NEWLINE]user: Is there any health care benefit applicable to me if I am in a new insurance plan?


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]agent: Unfortunately, no relevant information is found.[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: Okay, I believe I've grasped the definition. Let's say I've made up my mind and decided to attend an international school. What are you able to do for me?[NEWLINE]agent: Well, we can lend you a hand finding out which international schools get a part in federal student aid programs and then, guide you through the corresponding process of getting that federal aid.[NEWLINE][BOUNDARY][NEWLINE]user: That sounds very good, thanks. Say, if i'm able to get that aid, what amount are we talking about?[NEWLINE]agent: That would depend on the type of aid, but for both Direct Subsidized or Unsubsidized Loans, The amount you could receive goes from $5,500 to $20,500 range.[NEWLINE]agent: In fact, Are you aware that amount could be affected by many factors?


user: I'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]agent: Unfortunately, no relevant information is found.[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: I like it. Returning to my original question. Should I contact my college or the Federal Student Aid Feedback Center if I believe I am not receiving the correct amount of federal aid?[NEWLINE]agent: You should try to resolve the problem with your college first.[NEWLINE][BOUNDARY][NEWLINE]user: Who can access the military aid for college school?[NEWLINE]agent: This aid is intended for veterans, future military personnel, active-duty personnel, or anybody related to veterans or active-duty personnel.[NEWLINE][BOUNDARY][NEWLINE]user: Now, about the grant funds. What if I'm not eligible for the Federal Pell Grants?


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]agent: Unfortunately, no relevant information is found.[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: What information is provided by exit counseling?[NEWLINE]agent: Exit counseling gives important information that helps you prepare to repay your federal student loan.[NEWLINE]user: How do I complete exit counseling online?[NEWLINE]agent: You would look under Complete Exit Counseling and then log in to start.[NEWLINE]user: What if I leave school do I need exit counseling?


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: Are you familiar with Counseling Type? And what about financial awareness counseling?[NEWLINE]agent: Financial Awareness Counseling provides tools and information to help you understand your financial aid and help you manage your finances.[NEWLINE][BOUNDARY][NEWLINE]user: I see. What if PLUS credit counseling is completed voluntarily?[NEWLINE]agent: If PLUS Credit Counseling is completed voluntarily and you are determined to have an adverse credit history by the U.S. Department of Education within 30 days of PLUS Credit Counseling completion, your PLUS Credit Counseling requirement will be considered to be fulfilled.[NEWLINE][BOUNDARY][NEWLINE]user: Well, what can you tell me about exit counseling?


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: Another question, if I have received a PLUS loan, should I do exit counseling every time I fall below half-time enrollment, graduate, or drop out of school?[NEWLINE]agent: If you have received a subsidized, unsubsidized or PLUS loan under the Direct Loan Program or the FFEL Program, you must complete exit counseling each time you drop below half-time enrollment, graduate, or leave school.[NEWLINE][BOUNDARY][NEWLINE]user: how much time does this take up?[NEWLINE]agent: You must complete the process in a single session that lasts around 20-30 minutes.[NEWLINE][BOUNDARY][NEWLINE]user: what will I need to bring with me?


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][BOUNDARY][NEWLINE]user: About PLUS Credit Counseling, can you please tell me what it is?[NEWLINE]agent: This is important if you have been informed by the US Department of Education that you have an adverse credit history.[NEWLINE][BOUNDARY][NEWLINE]user: Is admission advice recommended before asking for help?[NEWLINE]agent: Exactly, it is important for your first subsidized direct loan, or unsubsidized direct loan as a college student.[NEWLINE][BOUNDARY][NEWLINE]user: When can you ask for advice?


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]agent: Unfortunately, no relevant information is found.[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: Do you still have knowledge of the Direct PLUS Loan? Is it true that making a request for this type of loan is all there is to it?[NEWLINE]agent: Before you can receive the loan you need to complete a direct plus loan master promissory note, which will explain everything of the terms and conditions of this program.[NEWLINE]user: What happens if I have have a security freeze?[NEWLINE]agent: In that case, you'll need to remove the freeze at each credit bureau before you can continue.[NEWLINE]user: I see this is on the application you mentioned before?


user: 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: Regarding the appeal of a demonstration of credit decision, do I have to present the information I have even if it may be the cause of the bad credit?[NEWLINE]agent: Yes, you need to provide, the information you have.[NEWLINE][BOUNDARY][NEWLINE]user: This proof how needs to be made?


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]agent: Unfortunately, no relevant information is found.[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][BOUNDARY][NEWLINE]user: One more question, what if I'm completing entrance counseling to borrow a loan as an undergraduate student?[NEWLINE]agent: Then the entrance counseling will fulfill counseling requirements for Direct Subsidized Loans and Direct Unsubsidized Loans.[NEWLINE][BOUNDARY][NEWLINE]user: Makes sense. And how long is this supposed to take?[NEWLINE]agent: The entire counseling process must be completed in a single session. Most people complete counseling in 20 - 30 minutes.[NEWLINE][BOUNDARY][NEWLINE]user: I see, where can I find more information about that?


user: 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][BOUNDARY][NEWLINE]user: I'm still hoping to learn more about the TEACH Grant. Could you explain what a TEACH Grant is?[NEWLINE]agent: It's a program that provides funds to students who are completing or who plan to complete coursework that is required to begin a career in teaching, and agree to teach full time for at least four years at an elementary school, secondary school  or educational service agency that serves students from low-income families and to meet other requirements[NEWLINE][BOUNDARY][NEWLINE]user: Who should complete this program?[NEWLINE]agent: Students who are receiving a TEACH Grant  and who have completed TEACH Initial and Subsequent Counseling for the same Award Year[NEWLINE][BOUNDARY][NEWLINE]user: ow long will it take  the ATS process?


user: 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: another question for you regarding grants. How do i register if i forgot about it?[NEWLINE]agent: You can call Selective Service toll-free at 1-888-655-1825 for general information about registering, or register online at sss.gov or while completing the FAFSA form.[NEWLINE][BOUNDARY][NEWLINE]user: Could you please assist me on where can I see the details on what kind of financial aid I would be qualified for?[NEWLINE]agent: You can estimate what aid you may be eligible for when you check out our FAFSA4caster tool.[NEWLINE][BOUNDARY][NEWLINE]user: Okay, that's fine. Now, let's talk about federal student aid. Is this something I have to do every year, not just the first year when I apply?[NEWLINE]agent: Yes, you have to meet basic eligibility criteria throughout the time you are receiving aid[NEWLINE][BOUNDARY][NEWLINE]user: Now about the situations that could affect my eligibility for aid, what if I am a student whose father died as a supervisor in Iraq or Afghanistan?[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: That's helpful to hear. One more thing about the grant.  How can I tell if I have to pay back a grant?[NEWLINE]agent: Your school is responsible for notifying you, if you need to repay part your grant. You will then have 45 days to repay the grant or enter into a repayment arrangement.[NEWLINE][BOUNDARY][NEWLINE]user: ok now about help. Does it matter if I'm not from the United States?[NEWLINE]agent: We have information about how being a Non-U.S. citizen might impact your eligibilty.[NEWLINE][BOUNDARY][NEWLINE]user: I also hope to find out  about  Basic Eligibility Criteria, do I need to register with selective service?[NEWLINE]agent: Yes, you need to be registered with Selective Service[NEWLINE][BOUNDARY][NEWLINE]user: You've got it. I'd like to ask you another question. Can you tell me how much you think I'll 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]agent: Unfortunately, no relevant information is found.[NEWLINE]user: Is there a way to estimate my AID?[NEWLINE]agent: Yes, there are ways to estimate your AID.[NEWLINE][BOUNDARY][NEWLINE]user: Can I ask something else? Regarding how will I be paid? What do work study programs help with?[NEWLINE]agent: You use the money to pay for your education-related charges such as tuition, fees, and room and board.[NEWLINE][BOUNDARY][NEWLINE]user: Do you know the school loans that I can receive? what could you tell me about them?[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: I have a question about federal student loans for college, how much money can I borrow on these loans?[NEWLINE]agent: It depends on whether you are an undergraduate student, a graduate or professional student, or a parent.[NEWLINE][BOUNDARY][NEWLINE]user: Can you help me on what resources can I use to find out more information on how financial aid works?[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]agent: Unfortunately, no relevant information is found.[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: I see. Let me ask another question. to learn about the types of help. What is my work-study award based on?[NEWLINE]agent: It is based on when you apply and your level of financial need.[NEWLINE][BOUNDARY][NEWLINE]user: Something else I want to ask about the Federal Student Aid, 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: I'd like to confirm whether the school is the one who provides our student loans?[NEWLINE]agent: Student loans can come from the federal government, from private sources such as a bank or financial institution, or from other organizations.[NEWLINE][BOUNDARY][NEWLINE]user: one can ask where these loans come from or is it confidential?. 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]agent: Unfortunately, no relevant information is found.[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][BOUNDARY][NEWLINE]user: I'd also like to learn more about the jobs available on or off campus. What if I go to a for-profit school, such as a private one?[NEWLINE]agent: In that case there may be further restrictions on the types of jobs you can be assigned.[NEWLINE][BOUNDARY][NEWLINE]user: I want to know more about the financial aid. What should I do now, according to your advice?[NEWLINE]agent: it is important that you estimate your help[NEWLINE][BOUNDARY][NEWLINE]user: Okay, that's it. Now, what about federal student aid? Is it necessary?[NEWLINE]agent: yes You must make satisfactory academic progress to continue receiving federal student aid.[NEWLINE][BOUNDARY][NEWLINE]user: Is it possible that circumstances will affect your eligibility for assistance?[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]agent: Unfortunately, no relevant information is found.[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]user: I also want to about the repayment. 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: 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]agent: Unfortunately, no relevant information is found.[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: If I have any more questions you can't answer who do I talk to?[NEWLINE]agent: You should ask your financial aid office those questions.[NEWLINE][BOUNDARY][NEWLINE]user: Good to know. Do you know the types of help? 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]user: Will someone who has previously attended school can benefit from the ability to benefit alternatives?[NEWLINE]agent: It can help you if you were enrolled in college or career school prior to July 1, 2012[NEWLINE][BOUNDARY][NEWLINE]user: do you know about federal student aid programs? how can i get help?[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: I'm just curious 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: 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]agent: Unfortunately, no relevant information is found.[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: Yes, of course. Now I have to inquire about the financial aid process. What do I do in order to prepare 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'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]agent: Unfortunately, no relevant information is found.[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: I have one more scholarship-related question. What is the basis for the scholarship?[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 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]agent: Unfortunately, no relevant information is found.[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: Also, for financial aid,  what should 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: 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: Ok, and about financial aid, how can I better understand it as I prepare 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: 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]user: Regarding the Master Note (MPN), is it eligible only for graduate students? Or can postgraduate students and professionals also access it?[NEWLINE]agent: Graduate students and Professional students, are totally eligible.[NEWLINE][BOUNDARY][NEWLINE]user: And that goes for the different types of loans, like Subsidized and Unsubsidized?[NEWLINE]agent: That's right. It applies for both types of loans.[NEWLINE][BOUNDARY][NEWLINE]user: And of course, i guess it applies for those Direct Plus Loans you mentioned earlier.[NEWLINE]agent: Totally right. It is also valid in that type of loan.[NEWLINE][BOUNDARY][NEWLINE]agent: Do you want to know who has to go through the procedures to get a MPN?[NEWLINE]user: No, it's not necessary. I guess it is for Graduate and Professional students, right?[NEWLINE][BOUNDARY][NEWLINE]agent: That's right. Would you like to know how much time you would invest in a MPN session?[NEWLINE]user: No, i don't think i need to know that right now.[NEWLINE][BOUNDARY][NEWLINE]agent: Would you like to know what do you need to obtain that MPN, then?


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]agent: Unfortunately, no relevant information is found.[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]agent: Unfortunately, no relevant information is found.[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]agent: Unfortunately, no relevant information is found.[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: now on how to submit the offer of student aid? could it be by mail?[NEWLINE]agent: follow the steps and send the information by mail[NEWLINE][BOUNDARY][NEWLINE]user: Report the types of loans they offer?[NEWLINE]agent: At school they must manage that information[NEWLINE][BOUNDARY][NEWLINE]user: Que oficinas puedo recurrir para buscar la informacion?


user: I 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]agent: Unfortunately, no relevant information is found.[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: In addition, I need to learn more about Choosing Which Student Loans to Accept. What if I don't approve the whole loan sum that I'm qualifying for?


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]agent: Unfortunately, no relevant information is found.[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?[NEWLINE]user: No, not at all.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: OK thank you. I would also like to find out several factors to calculate. What kinds of jobs are there?[NEWLINE]agent: The Federal Work-Study Program emphasizes employment in civic education and work related to your course of study whenever possible.[NEWLINE][BOUNDARY][NEWLINE]user: I have a question to complete the financial aid process, what should I do after submitting the FAFSA form for free application for federal student aid?


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]agent: Unfortunately, no relevant information is found.[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: Just one more thing. What is the process by which your school distributes financial aid funds to you for course materials? What happens if the ISBN isn't available?[NEWLINE]agent: The school would probably provide the author, title, publisher, and copyright date.[NEWLINE]user: What if the school offers a voucher to the bookstore?


user: 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: Who runs the work-study service?[NEWLINE]agent: It is administered by schools participating in the Federal Work-Study Program. You can contact your school's financial aid office to find out if your school participates.[NEWLINE][BOUNDARY][NEWLINE]user: perfect I communicate but what is the phone number to call them, how does need-based help 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: Another federal student aid question, what does net costs for schooling imply?


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]agent: Unfortunately, no relevant information is found.[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: Okay, now related to getting financial aid funds for course materials from the school, what if my course uses paid online content?


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: Can I accept a lesser loan amount if I find that my living expenses are not going to be as high as my school estimated?[NEWLINE]agent: You are entitled to turn down any loan that is provided or even to request a lower amount of borrowing. Your school will be able to help you with this query, should it arise[NEWLINE][BOUNDARY][NEWLINE]user: Do schools have specific financial plans in place for students that re attending the school?[NEWLINE]agent: Yes, a lot of schools have tuition payment plans, these are monthly interest-free payments towards tuition. These plans can help in reducing the amount of borrowing you need. The financial aid office in your school will have more details[NEWLINE][BOUNDARY][NEWLINE]user: How do I let my school know what type of financial aid I will be accepting?


user: 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][BOUNDARY][NEWLINE]user: On a slightly related note, let's talk about money. What if my university offers me financial aid?[NEWLINE]agent: Sometimes money is left over after your aid is applied to your tuition, fees, and other school charges. This remaining amount is called a credit balance.[NEWLINE]user: Well, that doesn't help me solve my issue. Is there any way to get course materials for less money?[NEWLINE]agent: Your options for course material formats will vary by school, instructor, and course, so learning what your options are and knowing about any cost-reduction initiatives your school may have can result in significant savings.[NEWLINE]user: But what if I need new textbooks?


user: 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][BOUNDARY][NEWLINE]user: Another query about the financial assistance available to students. Is it possible to submit a written request for assistance?[NEWLINE]agent: follow the steps and send the information by mail[NEWLINE][BOUNDARY][NEWLINE]user: Report the types of loans they offer?[NEWLINE]agent: At school they must manage that information[NEWLINE][BOUNDARY][NEWLINE]user: Que oficinas puedo recurrir para buscar la informacion?


user: 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]agent: Unfortunately, no relevant information is found.[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][BOUNDARY][NEWLINE]user: Financial aid is another concern I have. if your financial assistance will be distributed by my university rather than the US Department of Education?[NEWLINE]agent: Find out when your school will pay your aid and the period covered by each payment[NEWLINE][BOUNDARY][NEWLINE]user: I also need to find out the price. What if the aid is not enough 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][BOUNDARY][NEWLINE]user: very well. now for those involved in chemical and biological testing. I have questions or need help getting medical care[NEWLINE]agent: Any money left over will be paid out to you directly within 14 days unless you authorize the school to keep the money to pay for future institutional charges[NEWLINE][BOUNDARY][NEWLINE]user: Also, I need to find out the cats that I will have knows somewhere where I can get better prices. What is meant by the net costs of 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]agent: Unfortunately, no relevant information is found.[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][BOUNDARY][NEWLINE]user: I also need to know about Work-Study.  How is is paid?  Is direct deposit to my account an option?[NEWLINE]agent: Yes, they can send your payments directly to your bank account[NEWLINE][BOUNDARY][NEWLINE]user: Do you have any information on where can I know the details if the school's financial aid package does not include the cost of attendance in their student aid?[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][BOUNDARY][NEWLINE]user: there is something else about the types of loans. What Makes Federal Loans Better Than Private Loans?[NEWLINE]agent: Federal loans offer a fixed interest rate and income-driven repayment plans not offered by private loans.  Private loans are given out by banks which set their own terms.[NEWLINE][BOUNDARY][NEWLINE]user: Do you also know about the aid coverage of the schools? Will 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]agent: Unfortunately, no relevant information is found.[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: about reducing the risk of identity theft, to avoid these thefts, do I even have to be careful with my roommates?[NEWLINE]agent: Yes, especially if you have roommates.[NEWLINE][BOUNDARY][NEWLINE]user: Who can I contact if I have any questions or don't understand  on what's included in the student 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][BOUNDARY][NEWLINE]user: On a somewhat related note, I'm sure you're familiar with grants and student loans, so what can you tell me about them?[NEWLINE]agent: Your school will give you your grant or loan money in at least two payments called disbursements. In most cases, your school must give you your grant or loan money at least once per term semester, trimester, or quarter.[NEWLINE][BOUNDARY][NEWLINE]user: Regarding the Net Cost What else does my assistance 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]agent: Unfortunately, no relevant information is found.[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][BOUNDARY][NEWLINE]user: Good to know. Do you know which school can be in better quality-price terms? And what should I do before my first TEACH loan or scholarship?[NEWLINE]agent: complete the advice[NEWLINE][BOUNDARY][NEWLINE]user: Okay, I'd also want to find out about TEACH Grant. 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: Is there a specific financial plan in place at the school for students who are enrolled?[NEWLINE]agent: Yes, a lot of schools have tuition payment plans, these are monthly interest-free payments towards tuition. These plans can help in reducing the amount of borrowing you need. The financial aid office in your school will have more details[NEWLINE]user: Can you tell me on who I can contact if I want to know the details regarding my son's financial aid?[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 I my living expenses are not as high as has been estimated by my school, can I turn down the other loans that has been offered to me?[NEWLINE]agent: You are entitled to turn down any loan that is provided or even to request a lower amount of borrowing. Your school will be able to help you with this query, should it arise[NEWLINE][BOUNDARY][NEWLINE]user: Do schools have specific financial plans in place for students that re attending the school?[NEWLINE]agent: Yes, a lot of schools have tuition payment plans, these are monthly interest-free payments towards tuition. These plans can help in reducing the amount of borrowing you need. The financial aid office in your school will have more details[NEWLINE][BOUNDARY][NEWLINE]user: How do I let my school know what type of financial aid I will be accepting?


user: 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: Good to know. Another thingA c h l.Btw, for XXXX. and the aid can vary?[NEWLINE]agent: Because your financial aid package is created for you and is based on the cost of attending a particular school, your aid amounts will vary from school to school.[NEWLINE][BOUNDARY][NEWLINE]user: 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: I got an award letter, now what[NEWLINE]agent: Have you applied to several schools?[NEWLINE]user: just one[NEWLINE]agent: Unfortunately, no relevant information is found.[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][BOUNDARY][NEWLINE]user: Would you like to ask a question about obtaining financial aid funds for course materials from the school, can the school make more significant savings when it comes to obtaining these materials?[NEWLINE]agent: Your options for course material formats will vary by school, instructor, and course, so learning what your options are and knowing about any cost-reduction initiatives your school may have can result in significant savings.[NEWLINE][BOUNDARY][NEWLINE]user: How can I calculate the costs of attendance for my program?[NEWLINE]agent: You can find the cost of attendance for your program on the aid offer[NEWLINE][BOUNDARY][NEWLINE]user: I'd also like to hear about the financial assistance available to students. What shall I do if I'm offered paper aid?[NEWLINE]agent: You most likely will have to sign it and mail it back to the school.[NEWLINE][BOUNDARY][NEWLINE]user: What will I do if I need more assistance, such as a loan to cover expenses?[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?