user: Can you give me advice on how to prepare for college?[NEWLINE]agent: You can start by defining your goals and interest and you need to understand college costs and how to plan financially and academically for it.[NEWLINE]user: thanks, anything else?[NEWLINE]agent: You can check out the reasons to attend a College or Career School.[NEWLINE][BOUNDARY][NEWLINE]user: Another concern about tuition and fees comes up for me. And, in terms of cost, what factors should I weigh when choosing a school?[NEWLINE]agent:  You should make sure your chosen career school gives you a clear statement of their tuition and fees.[NEWLINE][BOUNDARY][NEWLINE]user:  And what about discounts, is it possible to get one from my career school?[NEWLINE]agent:  You can get one depending on some factors, like, are you a child of an alumnus or alumna? that is, did any of your parents went to that school?[NEWLINE]user:  that would be a no.[NEWLINE]agent:  Do you have any other family members currently enrolled in that school?[NEWLINE]user:  Yes, I do.[NEWLINE]agent:  Then that would be enough to get a discount at your school.[NEWLINE]user:  Awesome. Now, regarding health care benefits. What if I'm eligible but I'm on a new insurance plan


user: Is there any career information that you can give me, I'm currently exploring all the different options that are available to me[NEWLINE]agent: I am going to share a link with you that will bring you to a lot of information in this regard[NEWLINE]user: Is there a particular career that I could pursue if I love working with animals?[NEWLINE]agent: You will be able to find all possible careers on the link that I will share with you[NEWLINE][BOUNDARY][NEWLINE]user: What is the basis for getting a tuition fee discount?[NEWLINE]agent: Colleges and career schools may offer discounts on tuition if you are a child of an alumnus or alumna i.e., if your parent went to the school ; more than one family member is enrolled at the school ; you are a student government leader or the editor of the college newspaper or yearbook ; you are an older student ; your family s main wage earner is unemployed ; or you or a member of your family works at the school.[NEWLINE]user: No, none of my parents did.[NEWLINE]agent: Is more than one family member enrolled at the school?[NEWLINE]user: Yes, my cousin is.[NEWLINE]agent: In that case, colleges and career schools may offer discounts on tuition.[NEWLINE]user: That's great to hear! I've also read about combined degrees, what about those?


user: I  came here to know why I should attend a college.[NEWLINE]agent: First you should look at this link here.[NEWLINE]agent: Have you taken a look at the chart below?[NEWLINE]user: Yes, I already saw it.[NEWLINE]agent: As you can see on it, more education equals more money.[NEWLINE][BOUNDARY][NEWLINE]user: Is there a place I can go to find out whether a school has ever been the subject of a complaint?[NEWLINE]agent: You have a few options: you can contact your local Better Business Bureau, your state higher education agency or you could also check with the consumer protection division of your state attorney general's office. Another way to check is to make an enquiry with the agency that licences or accredits the school to see if it meets the required standards that are expected[NEWLINE][BOUNDARY][NEWLINE]user: OK thanks. I'd also want to find out that if I study at a college, I'll be able to make more money in the future?[NEWLINE]agent: Correct. A college education is a long-term investment. You can find the school and funding options that work best for your situation and put you on the path to success.[NEWLINE][BOUNDARY][NEWLINE]user: I see. You convinced me. So what should I do to prepare for college?[NEWLINE]agent: There's so much to consider when it comes to getting ready for college: where to go, what to study, how to apply, how to pay for it all, and more.[NEWLINE][BOUNDARY][NEWLINE]user: Do you have any information I could show to my parents?[NEWLINE]agent: Sure. You can review our resources for parents to learn more about saving early, finding tax breaks, and understanding parent loans to help support your child's college journey.[NEWLINE][BOUNDARY][NEWLINE]user: But I'm already 28 years old, isn't that too late for college?


user: what can you tell me about Returning IDR Applicants[NEWLINE]agent: Do I file an annual recertification of your income?[NEWLINE]user: yes[NEWLINE]agent: To re - certify for your existing income - driven repayment plan you must provide updated information about your income and family size annually[NEWLINE]user: it's not my case[NEWLINE][BOUNDARY][NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: If I income or family size has changed[NEWLINE]agent: you can request that your income - driven payment be re - calculated to reduce your current monthly payment[NEWLINE][BOUNDARY][NEWLINE]user: What is Income-Driven Repayment?[NEWLINE]agent: Income - driven repayment IDR plans are designed to make your student loan debt more manageable by reducing your monthly payment amount[NEWLINE][BOUNDARY][NEWLINE]user: Switch my current plan to a new plan


user: can you tell me what is income based payment?[NEWLINE]agent: Income-driven IDR payment plans are designed to make your student loan debt more manageable by reducing the amount of your monthly payment.[NEWLINE]agent: Do you need to make lower monthly payments?[NEWLINE]user: yes[NEWLINE]agent: one of the following income-based plans may be right for you[NEWLINE][BOUNDARY][NEWLINE]user: Who should complete this?[NEWLINE]agent: Borrowers who are not currently on an IDR plan looking for a lower monthly payment on their federal student loans[NEWLINE][BOUNDARY][NEWLINE]user: which plan is more suitable for me?[NEWLINE]agent: Pay what you earn PAYE payment plan[NEWLINE][BOUNDARY][NEWLINE]user: What do I do if my income has changed?[NEWLINE]agent: you can request that your income-based payment be recalculated to reduce your current monthly payment[NEWLINE][BOUNDARY][NEWLINE]user: is there another plan that could help me


user: hello i would like to get information about new applicants[NEWLINE]agent: Not currently on an income-based plan and want to apply for one?[NEWLINE]user: yes[NEWLINE]agent: You can request an income-based payment plan that limits your payments to a percentage of your income.[NEWLINE]user: and how do I start this process?[NEWLINE]agent: you just need to SIGN IN TO GET STARTED[NEWLINE][BOUNDARY][NEWLINE]user: very well. now for SIGN IN TO GET STARTED. Can you inform me if there is more credit advice?[NEWLINE]agent: It is essential that you seek information about the PLUS Credit Counseling that is necessary if the US Department of Education.[NEWLINE]agent: In addition, adverse credit history within 30 days influences the process.[NEWLINE]user: Can you explain in more detail what such a process consists of?[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: What is the Departure Counseling please?


user: hello i would like to get information about new applicants[NEWLINE]agent: not currently on an income-based plan and want to apply for one?[NEWLINE]user: yes[NEWLINE]agent: You can request an income-based payment plan that limits your payments to a percentage of your income[NEWLINE][BOUNDARY][NEWLINE]user:   What plan could be suitable for me?[NEWLINE]agent: East: Income - Contingent Repayment Plan ICR Plan[NEWLINE][BOUNDARY][NEWLINE]user: How do I calculate my payment if my income has changed?[NEWLINE]agent: you can request that your income-based payment be recalculated to reduce your current monthly payment[NEWLINE][BOUNDARY][NEWLINE]user: Really, it's kind of obvious. Is there anything else I need to do or fill out before I can get my loan?[NEWLINE]agent: Yeah, in fact, you must complete a Direct Plus Loan Master Promissory Note. In which all terms are explain.[NEWLINE]user: Got it. Just to be sure, every school interested on information to process my loan application, can do that by their own rules, aren't they?


user: what can you tell me about Returning IDR Applicants[NEWLINE]agent: I file an annual recertification of your income[NEWLINE]user: not[NEWLINE][BOUNDARY][NEWLINE]agent: you want to Recalculate your monthly payment[NEWLINE]user: yes[NEWLINE]agent: your income or family size has changed[NEWLINE]user: yes[NEWLINE]agent: you can request that your income - driven payment be re - calculated to reduce your current monthly payment[NEWLINE][BOUNDARY][NEWLINE]user: I'd like to ask you if is it necessary to take entrance counseling before requesting assistance for my loan?[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: what can you tell me about Returning IDR Applicants[NEWLINE]agent: I file an annual recertification of your income[NEWLINE]user: not[NEWLINE][BOUNDARY][NEWLINE]agent: you want to recalculate your monthly payment[NEWLINE]user: yes[NEWLINE]agent: your income or family size has changed[NEWLINE]user: not[NEWLINE][BOUNDARY][NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: Who should complete this?[NEWLINE]agent:  Borrowers not currently on an IDR Plan who are seeking a lower monthly payment on their federal student loans and[NEWLINE][BOUNDARY][NEWLINE]user: Switch my current plan to a new plan


user: how to apply for income-based student loan repayment[NEWLINE]agent: Are you currently on an income-based plan and want to apply?[NEWLINE]user: yes[NEWLINE]agent: You can apply for an income - driven repayment plan that limits your payments to a percentage of your income[NEWLINE][BOUNDARY][NEWLINE]user: I'd also like to learn more about Entrance Counseling. What information do you have on entrance counseling?[NEWLINE]agent: Entrance Counseling is required before you can receive your first Direct Subsidized Loan, or Direct Unsubsidized Loan as an undergraduate, or your first Direct PLUS Loan as a graduate/professional student.[NEWLINE][BOUNDARY][NEWLINE]user: What can you tell me about TEACH grant counseling?[NEWLINE]agent: Well, you can complete TEACH Grant Initial and Subsequent Counseling.[NEWLINE][BOUNDARY][NEWLINE]user: Alright then. Finally, how do I begin my exit counseling session?


user: what can you tell me about new applicants for income-based student loan repayment[NEWLINE]agent: Don't currently have an income-based plan and want to apply?[NEWLINE]user: not[NEWLINE][BOUNDARY][NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: Who should complete this?[NEWLINE]agent: Borrowers currently on an IDR Plan who need to re - certify or make changes to their repayment plan[NEWLINE][BOUNDARY][NEWLINE]user: may I Submit annual re-certification of my income[NEWLINE]agent:  yes, LOG IN TO START[NEWLINE][BOUNDARY][NEWLINE]user: What is Income-Driven Repayment?[NEWLINE]agent: Pay As You Earn Repayment Plan PAYE[NEWLINE][BOUNDARY][NEWLINE]user: If I income or family size has changed


user: What is a student loan deferment for?[NEWLINE]agent: You won't have to make a payment on deferment but you probably won't be making any progress toward forgiveness or paying back your loan.[NEWLINE]user: Are there any alternatives to a deferment?[NEWLINE]agent: Yes, you might want to think about an income-driven repayment plan.[NEWLINE]user: related to obtaining temporary relief, may there be any suspension in payments due to the covid 19 pandemic?[NEWLINE]agent: Yes, It also apply for it.[NEWLINE][BOUNDARY][NEWLINE]user: And which options do you bring for this case?[NEWLINE]agent: Have you check the different type of deferment and forbearance there is?[NEWLINE]user: I have seen some of them.[NEWLINE]agent: You can just suspend for a time your payments too.[NEWLINE][BOUNDARY][NEWLINE]user: I can do this even applying to the deferment and the forbearance.


user: What student loan types are eligible for deferment?[NEWLINE]agent: Direct Loan, FFEL Program loan, and Perkins Loan borrowers are allowed deferments.[NEWLINE]agent: Have you received a Perkins Loan?[NEWLINE]user: No I have not used a Perkins Loan.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE]user: What happens if I stop paying and my deferment is not approved?[NEWLINE]agent: Your loan will be considered delinquent and then go into default.[NEWLINE][BOUNDARY][NEWLINE]user: I have a loan forbearance beacause of COVID-19. is there any relief of student loans payments because of COVID-19?[NEWLINE]agent: Yes, federal student loan borrowers are automatically being placed in an administrative forbearance to temporarily stop making loan payments from March 13, 2020 to Sept. 30 2020.[NEWLINE][BOUNDARY][NEWLINE]user: Am I able to get a mandatory forbearance if I am in Medical or Dental Internship or Residency?[NEWLINE]agent: Yes, if you are serving in a medical or dental internship or residency program and meet other requirements.[NEWLINE][BOUNDARY][NEWLINE]user: What is the time frame of a mandatory forbearance?


user: What loan types are eligible for Deferment?[NEWLINE]agent: Deferments are available for Direct Loan, FFEL Program Loan, and Perkins Loans.[NEWLINE]agent: Do you have a Perkins Loan?[NEWLINE]user: No I have not received a Perkins Loan.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE]user: What will happen if I stop paying and my deferment is not approved?[NEWLINE]agent: Your loan will be delinquent and you could go into default.[NEWLINE][BOUNDARY][NEWLINE]user: Is there an annual recertification requirement for my Income-Driven Repayment Plan?[NEWLINE]agent: Yes it is important that you recertify every year.[NEWLINE][BOUNDARY][NEWLINE]user: I have lost my part time job as a result of COVID-19 and am unable to make my payments on my student loan. Can I get help with this?[NEWLINE]agent: Am I correct then in assuming that you will not be able to make any sort of payment on your loan?[NEWLINE]user: Yes that is correct.


user: What loan types can get deferments?[NEWLINE]agent: If you have a Direct Loan, FFEL Program loan, or a Perkins Loan you can apply for a deferment.[NEWLINE]agent: Did you receive a Perkins Loan?[NEWLINE]user: Yes, I have a Perkins Loan.[NEWLINE]agent: Then you are also eligible for a deferment while you are working toward cancellation on your Perkins Loans.[NEWLINE][BOUNDARY][NEWLINE]user: no, i would like to know what happens if my loan is transferred to a new administrator?[NEWLINE]agent: All of your loan information will be transferred from your assigned administrator to your new administrator, but you may only be able to view information online that covers the period since your new administrator took over your loans....[NEWLINE][BOUNDARY][NEWLINE]user: Btw, for Perkins Loans. What will happen if I stop paying while my deferral is not approved?[NEWLINE]agent: You loan will be considered delinquent and you might go into default.[NEWLINE][BOUNDARY][NEWLINE]user: What types of student loans am I able to repay through an income-driven repayment plan?[NEWLINE]agent: The chart on our website shows the types of federal student loans that you can repay under each of the income-driven repayment plans.[NEWLINE][BOUNDARY][NEWLINE]user: Another point to consider is the deferment duration. Will I be liable for paying the interest if I put my payments on hold?[NEWLINE]agent: Yes, you might still be responsible for paying the interest that accrues during the deferment and you can look at the tables below to show when you are responsible for the interest based on loan type.[NEWLINE][BOUNDARY][NEWLINE]user: Do I need to complete the Parent PLUS Borrower Deferment Request?[NEWLINE]agent: Yes, you would need to since you are the parent requesting the deferment.[NEWLINE][BOUNDARY][NEWLINE]user: Could I be qualified for a Rehabilitation Training Deferment?


user: What are the loan types eligible for deferment?[NEWLINE]agent: Those are Direct Loan, FFEL Program loan, and Perkins Loan borrowers.[NEWLINE]agent: Have you received a Perkins loan?[NEWLINE]user: Yes, I have.[NEWLINE]agent: Then you can also be eligible for a deferment while you are working to fully pay your Perkins Loan.[NEWLINE][BOUNDARY][NEWLINE]user: What can I do if I apply for an income-driven repayment plan?[NEWLINE]agent: Completing the application allows you to select an income-driven repayment plan by name or  request that your loan servicer determine what plan you qualify for. The loan servicer would then place you on the plan with the lowest monthly payment.[NEWLINE][BOUNDARY][NEWLINE]user: I would like more information about Parent PLUS borrower deferments, how do I qualify for this?[NEWLINE]agent: parents who received a Direct PLUS Loan to help pay their child's education and whose child is enrolled at least half-time at an eligible college or career school, may qualify for this deferment.[NEWLINE][BOUNDARY][NEWLINE]user: I see what you mean. Another request for a forbearance question. And how do I go about requesting such a reprieve?[NEWLINE]agent: Most types of forbearance are not automatic you need to submit a request to your student loan servicer, often using a form. For some types of forbearance, you must provide your student loan servicer with documentation to show that you meet the eligibility requirements for the forbearance you are requesting.[NEWLINE][BOUNDARY][NEWLINE]user: Also, for Parent PLUS borrower deferment. If I quit paying my student loan, what will happen to my requested deferment?[NEWLINE]agent: if you stop paying your loan before you've been notified that your request for deferment has been granted then your deferment will not be approved and your loan will become delinquent and you may go into default.[NEWLINE][BOUNDARY][NEWLINE]user: and what if I'm eligible for the deferment and rolled for at least half-time?[NEWLINE]agent: In most cases, your loan will automatically be placed into a deferment based on enrollment information reported by your school.[NEWLINE]user: How will I know if my deferment is granted?


user: Is a student loan deferment something that would help me if I need additional time to make my payments?[NEWLINE]agent: If you choose to use a deferment you will not have to make a payment, but you also probably won't be making any progress toward forgiveness or paying back  your loan.[NEWLINE]user: Is there an alternative solution to a student loan deferment?[NEWLINE]agent: You might want to consider income-driven repayment.[NEWLINE][BOUNDARY][NEWLINE]user: Regarding deferral or forbearance in loans, why compounding makes my interest go up?[NEWLINE]agent: that's because interest accrues on your principal balance, capitalization will cause more interest to accrue over time than if you had paid the interest. It will also increase your monthly payment on most payment plans[NEWLINE][BOUNDARY][NEWLINE]user: How to relieve student loan borrowers during the national COVID-19 emergency?[NEWLINE]agent: Federal student loan borrowers are automatically being placed in an administrative forbearance, which allow to temporarily stop making monthly loan payments. This suspension of payments will last from March 13, 2020 through Sept. 30, 2020,but you can still make payments if you choose.[NEWLINE][BOUNDARY][NEWLINE]user: How can I get relief with lower payments on an income-driven repayment plan?


user: What loan types are available for deferment?[NEWLINE]agent: The loans available for deferment are Direct Loan, FFEL Program Loan, and Perkins Loan Borrowers.[NEWLINE]agent: Did you receive a Perkins Loan?[NEWLINE]user: Yes, I currently have a Perkins Loan.[NEWLINE]agent: Then you may be eligible for a deferment while you are working toward a cancellation on your Perkins Loan.[NEWLINE][BOUNDARY][NEWLINE]user: On a somewhat related note,  about Direct Loan Program. This is also related to the amount of taxes that I will have to pay?[NEWLINE]agent: Yes, you will need to pay taxed based on the amount forgiven.[NEWLINE][BOUNDARY][NEWLINE]user: Good to know. Another thing about Loan Types Eligible for Deferment. What if I no longer meet the deferment eligibility requirements?[NEWLINE]agent: You actually can receive a six month post deferment grace period.[NEWLINE][BOUNDARY][NEWLINE]user: Another concern I have is about repayment in each plan. How long would it take to repay the loan?[NEWLINE]agent: Income-driven repayment plans have different repayment periods.[NEWLINE][BOUNDARY][NEWLINE]user: About the types of loans eligible for deferral, what consequences will I have if I stop paying and / or my summons is not approved?[NEWLINE]agent: Your loan will be considered delinquent and will probably go into default.[NEWLINE][BOUNDARY][NEWLINE]user: What should I do if I can't make a payment for my student loan?[NEWLINE]agent: It is in your best interest to call your student loan service immediately when you are having trouble making your payment.[NEWLINE][BOUNDARY][NEWLINE]user: What happens with an In-School deferment?


user: What is a student loan deferment?[NEWLINE]agent: With a student loan deferment you won't have to make a payment but it does not help you pay back your loan, so you should see if it is the best option for you.[NEWLINE]user: Are there any alternatives to a deferment?[NEWLINE]agent: Yes, you could always consider an income-driven repayment.[NEWLINE]user: Something else I want to ask about my loan payments, could I suspend my monthly payments because I am out of work as a result of COVID-19?[NEWLINE]agent: To provide relief to students during this time federal student loan borrowers are automatically being placed in an administrative forbearance which allows you to temporarily stop making your monthly loan payments. This suspension of payments will be from March 13, 2020 through September 30, 2020.[NEWLINE][BOUNDARY][NEWLINE]user: Is it possible that I could lower my payments on an income-driven repayment plan?[NEWLINE]agent: Yes this is possible and it might be better to consider a income-driven repayment plan than deferring payments altogether. Income-driven plans base your monthly student loan payments on your income and family size.[NEWLINE]user: Are there any tax implications of going for an income-driven repayment plan?


user: Hi, Could you please give me information about the student loan deferment program.[NEWLINE]agent: Yes I can give you further information about the program. If you qualify for the deferment you won't have to make a payment on your loan but if you use this option you probably won't be making any progress toward paying back your loan.[NEWLINE]agent: Have you considered any of the other alternatives that are available to you?[NEWLINE]user: No I have not.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: :How do I go about getting a Parent PLUS Borrower Deferment?[NEWLINE]agent: To apply for the Parent PLUS Borrower Deferment you will have to complete the Parent PLUS Borrower Deferment request.[NEWLINE][BOUNDARY][NEWLINE]user: Very well. I would also like to know the payment plan and if it is renewed every year?[NEWLINE]agent: Yes it is important that you recertify every year.[NEWLINE][BOUNDARY][NEWLINE]user: I have lost my part time job as a result of COVID-19 and am unable to make my payments on my student loan. Can I get help with this?[NEWLINE]agent: Am I correct then in assuming that you will not be able to make any sort of payment on your loan?[NEWLINE]user: Yes that is correct.


user: Hey there, i'm in some situation and have to do something about my student loan. I heard i could deferment it, but i need guidance. Can you help me there, please?[NEWLINE]agent: You did right. It could be some considerations to be done before you choose a to do a deferment. With a deferment, you won't have to make any payment for your loan, but equally, any progress to pay back your loan will be halted, so it could be a risky choice.[NEWLINE]user: Umm, yeah, and that could be bad. Can you give me an alternative to that, then?[NEWLINE]agent: Of course, no problem with that. You can always consider to use an income-driven repayment as a more healthy alternative, so you don't have to delay your payments.[NEWLINE][BOUNDARY][NEWLINE]user: I'm still interested in learning more about Mandatory Forbearance. What loans are qualified for mandatory forbearance?[NEWLINE]agent: eligility would only apply to Direct Loans and FFEL Program loans.[NEWLINE][BOUNDARY][NEWLINE]user: Is there any relief of student loans payment because of COVID-19?[NEWLINE]agent: Yes, federal student loan borrowers are automatically being placed in an administrative forbearance to temporarily stop making loan payments from March 13, 2020 to Sept. 30 2020.[NEWLINE][BOUNDARY][NEWLINE]user: Am I able to get a mandatory forbearance if I am in Medical or Dental Internship or Residency?[NEWLINE]agent: Yes, if you are serving in a medical or dental internship or residency program and meet other requirements.[NEWLINE][BOUNDARY][NEWLINE]user: What is the time frame of a mandatory forbearance?


user: I need help with student loan deferment[NEWLINE]agent: I can help you find out if a deferment is the best option for your situation[NEWLINE]agent: Would you like to know about an alternative if that is not for you?[NEWLINE]user: not right now[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: can you tell me if I can get deferment for economic reasons?[NEWLINE]agent: Would you like to see if you qualify for an Economic Hardship Deferment?[NEWLINE]user: yes[NEWLINE]agent: Are you receiving a means-tested benefit like welfare?[NEWLINE]user: no I'm not[NEWLINE]agent: Do you work full-time but have earnings that are below 150% of the poverty guideline for your family size and state of residence?[NEWLINE]user: no don't think so[NEWLINE]agent: Are you serving in the Peace Corps?[NEWLINE]user: no, not serving in anything[NEWLINE]agent: I'm sorry but you do not qualify for an Economic Hardship Deferment.[NEWLINE][BOUNDARY][NEWLINE]user: Do you know about the COVID-19 National Emergency and the Automatic Suspension of Monthly Payments? Does this even refer to the current COVID crisis?[NEWLINE]agent: Yes, It also apply for it.[NEWLINE][BOUNDARY][NEWLINE]user: Regarding my student loan, what information can you give me that will help me to qualify for a PAYE and IBR Plan?


user: Can you tell me anything about direct PLUS loans?[NEWLINE]agent: Sure, Direct PLUS Loans are federal loans that parents can use to help pay the college of their dependant undergraduate children. These loans can help pay expenses not covered by other financial aid.[NEWLINE]agent: Are you interested in applying for a loan?[NEWLINE]user: Not right now.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: But I want to know about the repayment plans.[NEWLINE]agent: One of the repayment plans for Parent PLUS borrowers is the Extended Repayment Plan.[NEWLINE][BOUNDARY][NEWLINE]user: Good to know. Now for these repayment plans, can you tell me about "grants"?[NEWLINE]agent: The share link will explain that a grant is a form of financial aid that will never have to be paid back unless you withdraw from school and owe a refund.[NEWLINE][BOUNDARY][NEWLINE]user: What types of loans are there?[NEWLINE]agent: The share link will be able to help you with loans that are considered student loans and will tell you that they have to be paid back.[NEWLINE]agent: Did you know that you have to pay back a student loan along with interest?


user: Good day. I have some questions regarding the direct plus loan. It'd be kind of you if you answered them for me.[NEWLINE]agent: Of course. PLUS loans can help pay for education expenses not covered by other financial aid.[NEWLINE]agent: Are you looking to apply?[NEWLINE]user: Yes, that was my plan.[NEWLINE]agent: You can use the online application to apply for a parent PLUS loan.[NEWLINE][BOUNDARY][NEWLINE]user: How will I know who my loan servicer is for loans owned by the US Department of Education ED?[NEWLINE]agent: You can find that out by calling the Federal Student Aid Information Center FSAIC at 1-800-433-3243.[NEWLINE][BOUNDARY][NEWLINE]user: I'd like to know if I can apply for Public Service Loan Forgiveness?  What should I do in order for my loan to be discharged?[NEWLINE]agent: a[NEWLINE][BOUNDARY][NEWLINE]user: Is there a set of requirements for receiving financial aid? 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: A question about PLUS Loans, how much can I borrow?[NEWLINE]agent: The maximum PLUS loan amount you can borrow, is the cost of attendance at the school your child will attend, minus any other financial assistance your child receives. The cost of attendance is determined by the school.[NEWLINE][BOUNDARY][NEWLINE]user: a


user: I need information about the direct PLUS loans.[NEWLINE]agent: The direct PLUS Loans are federal loans that can help you pay for education expenses not covered by other financial aid.[NEWLINE]agent: Do you want to apply?[NEWLINE]user: Not at the moment.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: How can I get a public service loan forgiveness?[NEWLINE]agent: To get one you need to repay your loans under an income-driven repayment plan.[NEWLINE][BOUNDARY][NEWLINE]user: ok good, regarding the types of financial aid, is there any financial aid for military families?[NEWLINE]agent: Yes. There is aid available for members of military families.[NEWLINE]user: Does my state government offer financial aid?[NEWLINE]agent: Yes. Your state government is another source for financial aid.[NEWLINE][BOUNDARY][NEWLINE]user: What is the work-study program?


user: What are Direct Plus Loans?[NEWLINE]agent: Direct Plus Loans are federal loans that parents of dependent undergraduate students can use to help pay for college or career school which help pay for education expenses not covered by financial aid.[NEWLINE]agent: Are you looking to apply?[NEWLINE]user: No not at this time.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: When can I can my loan after it is disbursed?[NEWLINE]agent: You may cancel all or part of the loan within certain time frames and the information you receive along with your promissory note will explain the procedures and the time frames for cancelling your loans.[NEWLINE][BOUNDARY][NEWLINE]user: Good to know. Now, about  the federal student aid for non-U.S. citizens, what other documents can we use to know if we are eligible?[NEWLINE]agent: Do you know if you are an eligible noncitizen?[NEWLINE]user: I think I'm not eligible[NEWLINE]agent: Do you have only a Notice of Approval to Apply for Permanent Residence I-171 or I-464?[NEWLINE]user: yes, I read about that, that is why I said I think I'm not eligible[NEWLINE]agent: You are not an eligible noncitizen and can not receive federal student aid.[NEWLINE][BOUNDARY][NEWLINE]user: what if I had an expired document like a green card, will that work even if it's expired?


user: I'm here to learn more about direct plus loans. What can you tell me?[NEWLINE]agent: PLUS loans can help pay for education expenses not covered by other financial aid.[NEWLINE]user: a[NEWLINE]agent: a[NEWLINE]user: Sure, and about the types of financial aid, the state of my government can give me this aid?[NEWLINE]agent: Yes, aid could be available through the state government.[NEWLINE][BOUNDARY][NEWLINE]user: What can you tell me about grants?[NEWLINE]agent: The share link will explain that a grant is a form of financial aid that will never have to be paid back unless you withdraw from school and owe a refund.[NEWLINE][BOUNDARY][NEWLINE]user: What types of loans are there?[NEWLINE]agent: The share link will be able to help you with loans that are considered student loans and will tell you that they have to be paid back.[NEWLINE]agent: Did you know that you have to pay back a student loan along with interest?


user: You can help me with Direct PLUS loans[NEWLINE]agent:  Okay, PLUS loans can help pay for education expenses not covered by other financial aid[NEWLINE]agent: Do you want to apply for a loan?[NEWLINE]user: not yet, I want to learn more before I decide[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: If we go with a PLUS loan will the application be the same for all schools for a parent loan?[NEWLINE]agent: When you use our site to apply for a loan it will tell you about the application process for the school you have selected.  You can also check with the school’s financial aid office to find out how to request a parent PLUS loan.[NEWLINE][BOUNDARY][NEWLINE]user: I understand that I will receive a Report that summarizes the information provided by my application. What type of information does my SAR contain?[NEWLINE]agent: Your SAR will contain basic information about your eligibility for federal student aid and answers you gave to FAFSA questions.[NEWLINE][BOUNDARY][NEWLINE]user: How do I get another copy of my SAR if I need it?[NEWLINE]agent: You can contact the Federal Student Aid Information Center at 1-800-4-FED-AID to request a copy of your SAR by mail.[NEWLINE][BOUNDARY][NEWLINE]user: What happens if there is a mistake on my SAR?[NEWLINE]agent: Have you already reviewed your SAR?


user: I wanted to apply for a direct plus loan, but need some information.[NEWLINE]agent: a[NEWLINE]agent: a[NEWLINE]user: a[NEWLINE]agent: a[NEWLINE][BOUNDARY][NEWLINE]user: I have question regarding the Public Service Loan Forgiveness. How soon will I be able to apply for public service loan forgiveness?[NEWLINE]agent: You have to make 120 qualifying monthly payments so it will take at least 10 years before you can qualify.[NEWLINE][BOUNDARY][NEWLINE]user: May I ask another question about Direct PLUS Loans? What is the maximum amount that I can borrow?[NEWLINE]agent: The maximum PLUS loan amount you can borrow is the cost of attendance at the school your child will attend minus any other financial assistance your child receives. The cost of attendance is determined by the school[NEWLINE][BOUNDARY][NEWLINE]user: Do you know if I'm qualified for some kind of financial assistance if I want to work while I study?[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: I'd like to know if I'm eligible for a parent PLUS loan?[NEWLINE]agent: You must be the biological or adoptive parent, or in some cases both, to qualify for a parent PLUS loan.[NEWLINE]user: a[NEWLINE]agent: a[NEWLINE]user: a[NEWLINE]agent: a[NEWLINE]user: a


user: I want to know about Direct PLUS loans.[NEWLINE]agent: Direct PLUS loans are federal loans that you can use to help pay for education expenses not covered by other financial aid.[NEWLINE]agent:  Are you looking to apply for a Direct PLUS Loan?[NEWLINE]user: Not right now.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user:  What I want to know is where to find information about the parent PLUS loans I've received.[NEWLINE]agent: You can visit My Aid to get information about all of the federal student loans and other financial aid you've received and also get contact information for your loan servicer.[NEWLINE][BOUNDARY][NEWLINE]user: Also applicable to federal student loans. And how much credit can I ask for?[NEWLINE]agent: You can borrow up to $ 20,500 each year in unsubsidized direct loans. Direct PLUS loans can also be used for the rest of college costs, as determined by your school, not covered by other financial aid[NEWLINE][BOUNDARY][NEWLINE]user: What should I consider when applying for federal student loans?[NEWLINE]agent: Before applying for a loan, it is important to understand that a loan is a legal obligation that makes you responsible for paying the loan amount with interest.[NEWLINE][BOUNDARY][NEWLINE]user: How do I get a federal student loan?


user: I would like some information about the PLUS Loans program for education.[NEWLINE]agent: PLUS loans are in place to help parents pay for education expenses not covered by other financial aid[NEWLINE]user: And how do I apply for one of these loans?[NEWLINE]agent: There is an online application for you to apply for a parent PLUS loan.[NEWLINE][BOUNDARY][NEWLINE]user: So I am an undergraduate student,  Am I eligible for Direct Subsidized Loans or Direct Unsubsidized Loans?  What else would you suggest to me?[NEWLINE]agent: it is important that you search More information on the page[NEWLINE][BOUNDARY][NEWLINE]user: ok, and could you give me more information about what is a Master Note?[NEWLINE]agent: The Master Promissory Note MPN is a legal document that promises to pay your loan and accrued interest and fees to the U.S. Department of Education.[NEWLINE]user: and could I receive more than one loan?[NEWLINE]agent: You may receive more than one loan under an MPN over a period of up to 10 years to pay for your or your child's educational costs, provided the school is authorized to use the MPN in this manner and chooses to do so. The school will inform you what loans, if any, you are eligible to receive.[NEWLINE][BOUNDARY][NEWLINE]user: okay. And what about a graduate student?


user: Hi, could you please tell me what a Direct PLUS Loan is for?[NEWLINE]agent: This is a loan that parents of dependent undergraduate students can use to help pay for education expenses that are not covered by other financial aid.[NEWLINE]user: I am looking to apply for a loan, how do I go about applying for one.[NEWLINE]agent: It is best if you apply online for a parent PLUS loan.[NEWLINE]user: What do I need to have before I can apply online for a PLUS loan?[NEWLINE]agent: Before you apply it is best if you make sure your child has already filled out the Free Application for Federal Student Aid (FAFSA) form.[NEWLINE]user: I have another question about the free application form. So what should be done?[NEWLINE]agent: These rates are not intended to form a basis for making assumptions or general determinations.[NEWLINE]user: The Department reported that student debt loans for the most recent loan year, but does not report prior years.[NEWLINE]agent: Each Department is responsible for publishing the updated spreadsheet[NEWLINE]user: These forms did not include a process for institutions to receive draft debt measures and present challenges in publishing the tables.


user: Is there any way to learn about college costs and tips to lower cost when going to school?[NEWLINE]agent: Yes, you can learn about college costs and get tips on how to lower costs when you go to school.[NEWLINE][BOUNDARY][NEWLINE]user: Are there any suggestions to lower the cost of college?[NEWLINE]agent: Yes, we have some suggestions on how you might be able to lower the cost of college.[NEWLINE]agent: Do you know that for many suggestions you will want to follow up with the college?[NEWLINE]user: Yes, I understand that will many of these suggestions I will have to follow through with the colleges.[NEWLINE]agent: Glad to know that you understand this process with following through with the college.[NEWLINE]user: I'd like to ask another question if there are any resources for students that I can use as I guide in preparing for College?[NEWLINE]agent: well, there's our College Preparation Checklist always available to use.[NEWLINE]user: One more thing to help with college costs. What am I supposed to do with a budget?[NEWLINE]agent: You should set a budget and stick to it because having a budget will help you compare anticipated college expenses against your potential income and financial aid.[NEWLINE][BOUNDARY][NEWLINE]user: I want to ask about the schools where I can use my resources, is there a way to research a school without going there in person?


user: I'm looking for information, specifically in regard to college and career school costs, do they differ or vary much from college to college?[NEWLINE]agent: We have a specific section on our website where you can find answers to any queries you may have in relation to college costs. You can also find tips in this section on how to lower your costs when you do eventually go to school[NEWLINE][BOUNDARY][NEWLINE]user: Are there any colleges or career schools that offer discounts on tuition and if so, what are the criteria?[NEWLINE]agent: Are you the child of a parent that attended the school that you are applying for?[NEWLINE]user: Yes, my parents attended the same school that I am applying for[NEWLINE]agent: null[NEWLINE][BOUNDARY][NEWLINE]user: I also need to explore my career options, I would like more information about vocational school, I have an incredible gift with animals, does that influence the time of choice?[NEWLINE]agent: Absolutely. We can help you find possible careers to match your interests.[NEWLINE][BOUNDARY][NEWLINE]user: My dad just asked if you perhaps have some information for him about all this.[NEWLINE]agent: Yes, we also have resources for parents of students.[NEWLINE][BOUNDARY][NEWLINE]user: Awesome. So can you please help me find a career? Please?


user: Can you tell me about college and career school costs?[NEWLINE]agent: Yes, we can help you with learning about college costs and give you tips to lower costs when you go to school.[NEWLINE][BOUNDARY][NEWLINE]user: What tools are I use?[NEWLINE]agent: You can use our college search tool and College Navigator to help you.[NEWLINE][BOUNDARY][NEWLINE]user: well done. Now it's time for Resources. If you have any other suggestions?[NEWLINE]agent: Be sure to check out the reasons to attend a College or Career schools.[NEWLINE]user: Ok, that sounds good. Can you give me more tips?[NEWLINE]agent: Another thing to take into consideration is to explore your career options.[NEWLINE][BOUNDARY][NEWLINE]user: Tell me more about career options.[NEWLINE]agent: Just know that it's never too la early or too late to explore your career options and that we can guide you through some key steps in preparing for college.[NEWLINE][BOUNDARY][NEWLINE]user: and what about some resources for parents of students?[NEWLINE]agent: Are you a parent planning your child's higher education?[NEWLINE]user: Actually, yes.


user: What are the cost of college schools?[NEWLINE]agent: It can vary significantly from school to school but we can give you tips on how to lower the costs when you go to school.[NEWLINE][BOUNDARY][NEWLINE]user: Can you give me a good part-time job recommendation that is compatible with my studies?[NEWLINE]agent: One good option is the Federal Work-Study Program that provides the opportunity to earn money while going to school. You can ask schools if they participate in the program.[NEWLINE][BOUNDARY][NEWLINE]user: For higher education, by the way. What options do parents of students have?[NEWLINE]agent: Are you planning your child's higher education?[NEWLINE]user: No, I was just curious.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: Is there any resource available to help me get ready financially and academically?[NEWLINE]agent: You can use our checklists.[NEWLINE][BOUNDARY][NEWLINE]user: Why should I decide attend a career or a college school?


user: Hello, can you tell me how much it would cost my college career?[NEWLINE]agent: It varies depending on your school but you can get tips on how to lower the cost.[NEWLINE][BOUNDARY][NEWLINE]user: Ok, can you give me some tips about housing cost off-campus?[NEWLINE]agent:  Sure. One good tip would be to share a house or apartment with multiple housemates so you can divide the cost of the rent. You can also share a car to save on gas and parking.[NEWLINE][BOUNDARY][NEWLINE]user: What resources are available to parents of students?[NEWLINE]agent: Are you planning your child's higher education?[NEWLINE]user: No, I was just curious.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: Is there any resource available to help me get ready financially and academically?[NEWLINE]agent: You can use our checklists.[NEWLINE][BOUNDARY][NEWLINE]user: Why should I decide attend a career or a college school?


user: Hey, I need to know some things about college costs. Can you please give me an idea about what to expect?[NEWLINE]agent: Of course. Here you can learn about college costs and get tips on how to lower costs when you go to school.[NEWLINE][BOUNDARY][NEWLINE]user: Is there any way to lower my tuition fees?[NEWLINE]agent: Most colleges and universities sponsor resident advisor programs that offer reduced tuition or reduced room and board costs if you work in a residence hall.[NEWLINE][BOUNDARY][NEWLINE]user: What options for College are there for parents of students?[NEWLINE]agent: Are you planning your child's higher education?[NEWLINE]user: No, I was just curious.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: Is there any resource available to help me get ready financially and academically?[NEWLINE]agent: You can use our checklists.[NEWLINE][BOUNDARY][NEWLINE]user: Why should I decide attend a career or a college school?


user: Hello, I'm here to inform myself about the college costs ahead of me.[NEWLINE]agent: Then you're in the right place. Here you can learn about college costs and get tips on how to lower costs when you go to school.[NEWLINE][BOUNDARY][NEWLINE]user: So what should I watch out for when it comes to college costs?[NEWLINE]agent: College or career school costs can vary significantly and there are many schools with affordable tuition and generous financial assistance. ake sure to research all schools that may meet your academic and financial needs.[NEWLINE][BOUNDARY][NEWLINE]user: Where can I know more about college budgeting and what I should do?[NEWLINE]agent: You have a variety of college options, from two - year community and junior colleges, to four - year colleges and universities, to technical, vocational, and trade schools. Get tips on things to consider when you re choosing a school, and use our free college search tool to find a school that matches your interests, career goals, and financial situation[NEWLINE][BOUNDARY][NEWLINE]user: I want to find out if it will be worth my while going to college or not, or if I should take a job straight from school, is this something you could help me with?[NEWLINE]agent: College education is a long term investment and when planned carefully, can lead to success by choosing the correct school and funding options that suit you best[NEWLINE][BOUNDARY][NEWLINE]user: Is there any information you could give me regarding resources that there are for the parents of students?[NEWLINE]agent: Are you a parent of a child that will be attending college shortly or in the near future?[NEWLINE]user: Yes, I am in that category


user: Good day. I came here to find out how I can cut some costs when going to college. Can you tell me how?[NEWLINE]agent: Of course. Here you can learn about college costs and get tips on how to lower costs when you go to school.[NEWLINE][BOUNDARY][NEWLINE]user: Then how can I lower the cost of college?[NEWLINE]agent: We have some suggestions on how you might be able to lower the cost of college.[NEWLINE]agent: Do you want to hear these suggestions?[NEWLINE]user: No, thank you.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE]user: What if I go to a college near my home? Can I save costs?[NEWLINE]agent: Yes, you should consider living with your parents or other family.[NEWLINE][BOUNDARY][NEWLINE]user: What happens if I obtain federal student assistance but have to drop out of college? What is the procedure for requesting a refund?[NEWLINE]agent: A college's return of aid policy differs from school to school, but it's possible that some of that money might have to be given back to the source by the school or yourself.[NEWLINE][BOUNDARY][NEWLINE]user: Why should I consider applying to multiple schools?


user: I wanted to know about the cost of going to school[NEWLINE]agent: Okay, we can help you learn about college costs and give you tips on how to lower costs when you go to school.[NEWLINE][BOUNDARY][NEWLINE]user: Do you have tips for someone living off campus?[NEWLINE]agent: You can share a house or apartment with multiple housemates to cut down the cost of rent.[NEWLINE]user: what's some good advice on credit cards?[NEWLINE]agent: It is important that you understand the terms.[NEWLINE][BOUNDARY][NEWLINE]user: Is there a way to find out if someone else uses Aidan if they use my phone?[NEWLINE]agent: No. As long as you protect your log in credentials and log out each time you are done using Aidan.[NEWLINE][BOUNDARY][NEWLINE]user: Is Aidan capable of learning new things over time?[NEWLINE]agent: Yes. Although Aidan is in the early stages of development beta mode, it is still capable of learning and acquiring new skills.[NEWLINE][BOUNDARY][NEWLINE]user: How secure is my information when using Aidan?


user: Good evening, I'm looking for advice about college costs, Is there anything you can do to help me out with it?[NEWLINE]agent: No problem. We can guide you in certain aspects of college cost,and how to get lower costs when you happen to go to school.[NEWLINE][BOUNDARY][NEWLINE]user: That's a relief. I've been looking for reliable information for ages. Look, something i want to get help is about to know various colleges costs, Is there a way i can get a comparative view on that?[NEWLINE]agent: Do not worry. In fact, there is a way. Through the College Scorecard you can know for sure if a college cost is low, or medium or high. You should take note if the college has financial aid available for you, when you valuate your choices.[NEWLINE][BOUNDARY][NEWLINE]user: What options are there for parents of students?[NEWLINE]agent: Are you planning your child's higher education?[NEWLINE]user: No, I was just curious.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: Is there any resource available to help me get ready financially and academically?[NEWLINE]agent: You can use our checklists.[NEWLINE][BOUNDARY][NEWLINE]user: Why should I decide attend a career or a college school?


user: fghhgfdg[NEWLINE]agent: Sure, no problem. Do you want to know things as the cost of college through time?[NEWLINE]user: Yes, like that kind of things.[NEWLINE]agent: The financial aid is very important aspect when is related to go to school.[NEWLINE]user: Great, but the fafsa form, is something I going to fill for the first time, this will be a problem or have any advantage?[NEWLINE]agent: It may help you if you are if you are in a high school into the current cycle of 2020-2021.[NEWLINE][BOUNDARY][NEWLINE]user: Anything else I'd like to inquire about in regards to my FAFSA application. What if I submit a FAFSA form but it is not completed correctly?[NEWLINE]agent: You will then receive an email from the Department of Education asking you to correct the FAFSA form. You have to have completed the FAFSA form correctly in order to be eligible for financial aid or federal student aid[NEWLINE][BOUNDARY][NEWLINE]user: What happens if some students list a high school under a slightly different name?[NEWLINE]agent: What happens is that your high school is listed in more than one place[NEWLINE][BOUNDARY][NEWLINE]user: I am currently employed as a high school counselor, are there resources available to me to help increase the amount of FAFSA completion totals?


user: I would like some information about FAFSA statistics.[NEWLINE]agent: Is this in relation to having enough money to attend college?[NEWLINE]user: It has nothing to do with that, no.[NEWLINE]agent: Are you worried about eventually being able to pay back a college loan?[NEWLINE]user: Yes I would like to know how many people are able to do so.[NEWLINE]agent: In the past, high schools relied on self-reported surveys to estimate their FAFSA completion rate and that data can be inaccurate. We now use a better system.[NEWLINE][BOUNDARY][NEWLINE]user: Can you tell me the difference between a submitted and a completed FAFSA form?[NEWLINE]agent: It turns out that a completed application is made up of a series of all submitted applications[NEWLINE]user: What is the definition of a submitted application when relating to FAFSA forms?[NEWLINE]agent: Submitted applications are a reflection of all the FAFSA forms that have been completed by students at a particular high school. It can happen that these submitted applications can be rejected if there are any parts of key pieces of information that are missing[NEWLINE][BOUNDARY][NEWLINE]user: I believe that the number of FAFSA forms that I completed is higher, why would this be?


user: I'd like to know how many people at my school have applied for Federal Student Aid.[NEWLINE]agent: Are you planning on going to college?[NEWLINE]user: I'm not sure yet but I probably won't be able to afford it.[NEWLINE]agent: Are there other factors involved in the decision to attend college besides financial concerns?[NEWLINE]user: Yes I'm weighing other factors like not having time to take 3 years off of my life to do this.[NEWLINE]agent: We have found that there exists a strong correlation between FAFSA completion and college enrolment.[NEWLINE]user: Is this information accurate?[NEWLINE]agent: Previously, high schools relied on self-reported surveys to estimate their FAFSA completion rate, but such information is not always accurate. So Federal Student Aid is now providing high schools with current data about their FAFSA submissions and completions[NEWLINE][BOUNDARY][NEWLINE]user: what does it mean when a school has less than 5 completed applications? can it be no applicants at all?[NEWLINE]agent: No, it does not mean there were zero applications.[NEWLINE][BOUNDARY][NEWLINE]user: why are some places white on the map?[NEWLINE]agent: Do you want to know why some districts are listed as missing or as having  insufficient data?


user: Hello, I came here to learn more about completing the FAFSA for my school.[NEWLINE]agent: Of course. Are you aware that the cost of college continues to increase?[NEWLINE]user: No, I haven't been following the developments over the recent years. I'm new to all this.[NEWLINE]agent: That's fine. Do you know that many factors are involved in the decision to attend college?[NEWLINE]user: Yes, it was quite complicated to decide on what to do.[NEWLINE]agent: Then you should know that a strong correlation exists between FAFSA completion and college enrollment. Previously, high schools relied on self-reported surveys to estimate their FAFSA completion rate, and that data can be inaccurate.[NEWLINE]user: How are applications reported for each high school?[NEWLINE]agent: The number of submitted and completed applications is reported for the current application cycle 2020-2021 and the same time period last year for the previous application cycle 2019-2020.[NEWLINE][BOUNDARY][NEWLINE]user: What does it mean when a school only has 5 applications completed? Is it possible that there are no applicants at all?[NEWLINE]agent: No, it does not mean there were zero applications.[NEWLINE][BOUNDARY][NEWLINE]user: why are some places white on the map?[NEWLINE]agent: Do you want to know why some districts are listed as missing or as having  insufficient data?


user: Hello there. I could use some help with my FAFSA completion.[NEWLINE]agent: Of course. Are you aware that the cost of college continues to increase?[NEWLINE]user: Yes, I am. Unfortunately.[NEWLINE]agent: Then you should also know that financial aid becomes ever more important.[NEWLINE]user: You can say so, yes. How do you handle files when it comes to age?[NEWLINE]agent: Files ending in 18 year olds use the previous age assumption that applicants be no older than 18. All other files use the current assumption that applicants be no older than 19.[NEWLINE]user: That's interesting. I've read that schools used to run surveys to figure out the rate of FAFSA completion, but they don't do that anymore. How is it done nowadays?[NEWLINE]agent: In this time and age Federal Student Aid is providing high schools with current data about their FAFSA submissions and completions so that high schools can track their progress and help to ensure that their students complete a FAFSA.[NEWLINE][BOUNDARY][NEWLINE]user: What does it mean when a school has fewer than 5 applications completed? Is it possible that there will be no applicants at all?[NEWLINE]agent: No, it does not mean there were zero applications.[NEWLINE][BOUNDARY][NEWLINE]user: why are some places white on the map?[NEWLINE]agent: Do you want to know why some districts are listed as missing or as having  insufficient data?


user: Good evening. Could you perhaps share some advice about completing an FAFSA with me?[NEWLINE]agent: Of course. Are you aware that the cost of college continues to increase?[NEWLINE]user: No, I'm new to this whole college thing.[NEWLINE]agent: Are you aware that many factors are involved in the decision to attend college then?[NEWLINE]user: Yes, the whole process is very intimidating to me.[NEWLINE]agent: Then you should know that a strong correlation exists between FAFSA completion and college enrollment. Previously, high schools relied on self - reported surveys to estimate their FAFSA completion rate, and that data can be inaccurate.[NEWLINE][BOUNDARY][NEWLINE]user: I'd like to learn more about FAFSA. Could you please explain the distinction between a completed FAFSA form and a submitted application?[NEWLINE]agent: It turns out that a completed application is made up of a series of all submitted applications[NEWLINE]user: What is the definition of a submitted application when relating to FAFSA forms?[NEWLINE]agent: Submitted applications are a reflection of all the FAFSA forms that have been completed by students at a particular high school. It can happen that these submitted applications can be rejected if there are any parts of key pieces of information that are missing[NEWLINE][BOUNDARY][NEWLINE]user: I believe that the number of FAFSA forms that I completed is higher, why would this be?


user: You can help me by telling me all you know about FAFSA completion.[NEWLINE]agent: Of course. Are you aware that the cost of college continues to increase?[NEWLINE]user: No, but I haven't really kept myself up to date with that.[NEWLINE]agent: Are you aware that many factors are involved in the decision to attend college?[NEWLINE]user: Yes, it's quite intimidating sometimes.[NEWLINE]agent: Then you should also know that a strong correlation exists between FAFSA completion and college enrollment.[NEWLINE]user: Yes, I've read that there were surveys about that.[NEWLINE]agent: That's correct. Previously, high schools relied on self-reported surveys to estimate their FAFSA completion rate, and that data can be inaccurate.[NEWLINE][BOUNDARY][NEWLINE]user: what does it mean when a school has less than 5 completed applications? High schools relied on self-reported surveys Can it be no applicants at all?[NEWLINE]agent: No, it does not mean there were zero applications.[NEWLINE][BOUNDARY][NEWLINE]user: why are some places white on the map?[NEWLINE]agent: Do you want to know why some districts are listed as missing or as having  insufficient data?


user: can you explain to me what is the FAFSA Completion by the high school and the public school district[NEWLINE]agent: Do you think the cost of college continues to rise?[NEWLINE]user: it's not what interests me[NEWLINE]agent: Do you think there are factors involved in the decision to attend college?[NEWLINE]user: yes[NEWLINE]agent: Yes, there is a strong correlation between completion of the FAFSA and enrollment in college. Previously, high schools relied on self-reported surveys to estimate their FAFSA completion rate, and that data may be inaccurate.[NEWLINE][BOUNDARY][NEWLINE]user: What would happen if errors were found on my FAFSA form?[NEWLINE]agent: You will then receive an email from the Department of Education asking you to correct the FAFSA form. You have to have completed the FAFSA form correctly in order to be eligible for financial aid or federal student aid[NEWLINE][BOUNDARY][NEWLINE]user: What happens if some students list a high school under a slightly different name?[NEWLINE]agent: What happens is that your high school is listed in more than one place[NEWLINE][BOUNDARY][NEWLINE]user: I am currently employed as a high school counselor, are there resources available to me to help increase the amount of FAFSA completion totals?


user: what information can you give me regarding the FAFSA Termination by the high school and the public school district[NEWLINE]agent: Do you think the cost of college continues to rise?[NEWLINE]user: I haven't thought about it[NEWLINE]agent: Do you think there are many factors involved in the decision to attend college?[NEWLINE]user: I have not considered that point[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE]user: I would like to know more about high school in the data or on the FAFSA?[NEWLINE]agent: We recently updated our Frequently Asked Questions and Data Details pages reflecting recent changes and trending questions, including why we recently changed the definition of a senior, why some schools are not listed on the FAFSA, and common mistakes or misconceptions when analyzing the data.[NEWLINE][BOUNDARY][NEWLINE]user: There's one more thing about FAFSA. What if my institution or school isn't included in the database?[NEWLINE]agent: You can still continue forward by clicking next and the info you type will be captured and recorded; our database usually has every high school in the nation unless it opened, merged or changed its name within last two years.[NEWLINE][BOUNDARY][NEWLINE]user: I'd like to know on what does FSA do for high school students to track their progress?[NEWLINE]agent: FSA regularly updates estimates for the first 15 months of the application cycle[NEWLINE]user: I need help increasing my FAFSA completion numbers in my area


user: I came here with some questions about your IT Standards Library. Can you please answer them?[NEWLINE]agent: Of course. First of all, welcome to the Federal Student Aid Chief Information Officer 's Information Technology IT Standards Library. Federal Student Aid and its contractors must comply with IT standards and guidelines applicable to all federal agencies.[NEWLINE][BOUNDARY][NEWLINE]user: Alright. So what specific resources do you offer?[NEWLINE]agent: This section of the IT Standards Library includes documents pertinent to the U.S. Department of Education as a whole.[NEWLINE][BOUNDARY][NEWLINE]agent: Do you want to hear details about these resources?[NEWLINE]user: No, thank you. I get the idea.[NEWLINE][BOUNDARY][NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: So, what references do you have for me?[NEWLINE]agent: We have the Lifecycle Management Methodology.[NEWLINE]user: I have another question for you about Federal Student Aid. Who should I contact if I require further assistance?[NEWLINE]agent: Do you have more questions about Federal Student Aid's Acquisition activities?[NEWLINE]user: Yes, I do.


user: Hey there. I have some questions about the IT Standards Library, hope you can answer them.[NEWLINE]agent: Of course. First of all, welcome to the Federal Student Aid Chief Information Officer's Information Technology IT Standards Library. Federal Student Aid and its contractors must comply with IT standards and guidelines applicable to all federal agencies.[NEWLINE][BOUNDARY][NEWLINE]user: What about federal guidelines?[NEWLINE]agent: This section of the IT Standards Library highlights federal organizations involved in establishing and coordinating the implementation of federal laws, regulations, standards and guidelines applicable to information and information technology management. The standards and guidelines they promulgate apply to all federal agencies and departments.[NEWLINE][BOUNDARY][NEWLINE]agent: Do you want to know what resources we offer?[NEWLINE]user: No, thanks.[NEWLINE][BOUNDARY][NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: What testing services are there?[NEWLINE]agent: We have the Enterprise Test Management Standards.[NEWLINE][BOUNDARY][NEWLINE]user: Now I have to inquire about Contact. What if I have concerns about the acquisition of Federal Student Aid?[NEWLINE]agent: Go ahead an e-mail FSA Acquisitions.[NEWLINE]user: Is there a way to contact them?[NEWLINE]agent: Do you have questions for Federal Student Aid's Acquisition activities?


user: Hello, can you give me some information about federal student aid resources?[NEWLINE]agent: Of course. A section of the IT Standards Library includes documents that are specific to the Federal Student Aid IT lifecycle for all projects and lists other pertinent references that an IT project may be required to comply with dependent on the contract.[NEWLINE][BOUNDARY][NEWLINE]agent: Would you like me to tell you about some general references?[NEWLINE]user: Yes, please.[NEWLINE]agent: We have the Lifecycle Management Methodology, for example.[NEWLINE][BOUNDARY][NEWLINE]user: another question for you regarding Management Methodology, .. But How does it works?[NEWLINE]agent: All the active acquisition synopses and all the information you may need, is available at fezbizopps, the u.s. government's single point-of-entry for federal business oportunities.[NEWLINE][BOUNDARY][NEWLINE]user: I'm still curious about the IT Standards Library. What about IT protection?[NEWLINE]agent: We also offer some IT Security documents used by FSA.[NEWLINE][BOUNDARY][NEWLINE]user: Are there any other useful resources?[NEWLINE]agent: Well, there is the Office of Management and Budget Resources.[NEWLINE][BOUNDARY][NEWLINE]user: And that lifecycle management methodology you mentioned before? What is does that entail?[NEWLINE]agent: The Lifecycle Management Methodology comprises a comprehensive process for managing information technology projects from vision to retirement. The methodology is composed of eight distinct stages, each of which guides project managers through the LMM process by identifying a core/minimum set of deliverables to be created in order to ensure a project 's viability.[NEWLINE][BOUNDARY][NEWLINE]user: That's very interesting. And what can you tell me about program QA?


user: What is the General and Federal Guidelines and what do they do?[NEWLINE]agent: The General and Federal Guidelines of the IT Standards Library highlights federal organizations involved in establishing and coordinating the implementation of federal laws, regulations, standards and guidelines for information and information technology management for all federal agencies and departments.[NEWLINE][BOUNDARY][NEWLINE]agent: Would you need some resources to use?[NEWLINE]user: Yes, I would like some resources.[NEWLINE]agent: One of them is the Office of Management and Budget Resources.[NEWLINE][BOUNDARY][NEWLINE]user: I'd like to know if the list in acquisition forecast for federal student aid is final?[NEWLINE]agent: No. They are subject to revision or cancellation.[NEWLINE][BOUNDARY][NEWLINE]user: Do you have any information regarding the purpose of Enterprise Rational Solution?[NEWLINE]agent: The Federal Student Aid Enterprise Rational Solution is for sytems development efforts and it is an integrated solution for such things as requirements, tests, and configuration management.[NEWLINE][BOUNDARY][NEWLINE]user: What pertinent info does the IT Standards Library offer?[NEWLINE]agent: The IT STandards Library offers references for those who do or would like to do business with Federal Student Aid.[NEWLINE]user: Would the documents selected for thel IT Standards Library cover all the documentation?[NEWLINE]agent: It does encompass most of the documentation or references necessary to perform work for Federal Student Aid but may not encompass all.[NEWLINE][BOUNDARY][NEWLINE]user: What does the IT Dashboard display?


user: I need some guidance about the IT Standards Library guidelines please.[NEWLINE]agent: Our IT Standards Library standards and guidelines apply to all federal agencies and departments and they must be followed for all wishing to apply for Federal Student Aid.[NEWLINE][BOUNDARY][NEWLINE]agent: Would you like to know about the resources that can be provided?[NEWLINE]user: No thank you.[NEWLINE][BOUNDARY][NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: I'm more interested in testing services. What can you tell me them?[NEWLINE]agent: We have information about Enterprise Test Management Standards.[NEWLINE][BOUNDARY][NEWLINE]user: Where would I find acquisition notices and contract solicitations?[NEWLINE]agent: Active acquisition synopses, contract solicitations, and other info are available at FedBixOpps; which is the US Government's only point-of-entry for federal business opportunities.[NEWLINE][BOUNDARY][NEWLINE]user: What if I have questions about Federal Student Aid's Acquisition doings?[NEWLINE]agent: Go ahead an e-mail FSA Acquisitions.[NEWLINE]user: Is there a way to contact them?[NEWLINE]agent: Do you have questions for Federal Student Aid's Acquisition activities?


user: Do you know of any Federal Student Aid specific resources?[NEWLINE]agent: Yes, this section of the IT Standards Library includes documents that are specific to the Federal Student Aid It lifecycle for all projects and lists other important references that an IT project may be required to comply with dependent on the contract.[NEWLINE][BOUNDARY][NEWLINE]agent: Would you like some General References?[NEWLINE]user: No, I do not need them at this time.[NEWLINE][BOUNDARY][NEWLINE]agent: Would you like to know about IT Security?[NEWLINE]user: No, no need for IT Security at this time.[NEWLINE][BOUNDARY][NEWLINE]agent: Do you need to know about Data Management?[NEWLINE]user: Yes, please explain Data Management to me.[NEWLINE]agent: We have Data Management Resources that we use.[NEWLINE][BOUNDARY][NEWLINE]user: Might I ask a question about Acquisition Notices and Contract Solicitations? FedBizOpps is something I heard about. Will you elaborate?[NEWLINE]agent: No problem. As you may know, FedBizOpps stands for Federal business opportunities, Government single point of entry for doing federal business. Within FedBizOpps there are copies of request for quotations from proposed contract actions expected to exceed $10,000 but not to exceed $25,000.[NEWLINE]user: Another question, aside from Data Management Resources, what other resources are available not mentioned yet?[NEWLINE]agent: We have Office of Management and Budget Resources.[NEWLINE][BOUNDARY][NEWLINE]user: What testing services are available?


user: I want to know about the IT Standards Library, especially about the General and Federal Guidelines section.[NEWLINE]agent: this is the section that highlights federal organizations involved in establishing and coordinating the implementation of federal laws, regulations, standards, and guidelines applicable to information and information technology management.[NEWLINE][BOUNDARY][NEWLINE]agent: Do you want to know about the resources available to you?[NEWLINE]user: Not right now.[NEWLINE][BOUNDARY][NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: Please tell me some of the resources available about the Lifecycle Management Methodology.[NEWLINE]agent: Apart from the Lifecycle Management Methodology in itself, you can also get information about the LMM Tailoring Plan Template.[NEWLINE][BOUNDARY][NEWLINE]user: I'm curious if all the forecasted procurements in the federal student aid is finalized?[NEWLINE]agent: No. They are subject to revision or cancellation.[NEWLINE][BOUNDARY][NEWLINE]user: Who do I contact if I need additional assistance?[NEWLINE]agent: Do you have more questions about Federal Student Aid's Acquisition activities?[NEWLINE]user: Yes, I do.


user: I'm looking for IT standards on student aid documents[NEWLINE]agent:  the IT Standards Library includes documents that are specific to the Federal Student Aid IT lifecycle for all projects and lists other pertinent references that an IT project may be required to comply with dependent on the contract.[NEWLINE][BOUNDARY][NEWLINE]agent: Would you like general references that could help you?[NEWLINE]user: No, I just need a few things[NEWLINE][BOUNDARY][NEWLINE]agent: Do you need IT security information?[NEWLINE]user: I could use that[NEWLINE]agent: We have a section that contains IT security documents used by FSA.[NEWLINE][BOUNDARY][NEWLINE]user: There's something else about the FSA's IT protection records. Thank you. By the way, I recently learned about FedBizOpps. Will you elaborate?[NEWLINE]agent: No problem. As you may know, FedBizOpps stands for Federal business opportunities, Government single point of entry for doing federal business. Within FedBizOpps there are copies of request for quotations from proposed contract actions expected to exceed $10,000 but not to exceed $25,000.[NEWLINE][BOUNDARY][NEWLINE]user: I also have a concern about Federal Student Aid. In addition, I'll need information on Program Quality Assurance.[NEWLINE]agent: Okay, we can help you with the production readiness review process.[NEWLINE][BOUNDARY][NEWLINE]user: Do you have resources on the Office of Management and Budget?[NEWLINE]agent: Yes, I can help you with that[NEWLINE][BOUNDARY][NEWLINE]user: what do the federal guidelines cover?


user: hi[NEWLINE]agent: hi[NEWLINE]user: hi[NEWLINE]agent: hi[NEWLINE]user: hi[NEWLINE]agent: hi[NEWLINE][BOUNDARY][NEWLINE]user: Regarding the type of advice, could you give me information about the  PLUS Credit Counseling?[NEWLINE]agent: PLUS Credit Counseling is required if the U.S. Department of Education has informed you that you have an adverse credit history and you have obtained an endorser or documented to the satisfaction of the U.S. Department of Education that there are extenuating circumstances related to your adverse credit history.[NEWLINE]agent: Are you planning on completing PLUS Credit Counseling voluntarily?[NEWLINE]user: no I have to learn more so I'll wait[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: I have one more question, can you tell me what exit counseling is?


user: I need some help.[NEWLINE]agent: Allow me to assist you. Do you have an endorser?[NEWLINE]user: No, I don't.[NEWLINE]agent: Are you aware of how to obtain an endorser?[NEWLINE]user: No, I need help with that.[NEWLINE]agent: Okay. Until you obtain an endorser, it's not possible for you to be eligible for a Direct PLUS loan.[NEWLINE][BOUNDARY][NEWLINE]user: What if I do a short sale?[NEWLINE]agent: In this case, your short sale will need to be approved and completed.[NEWLINE]user: Sólo recuerdo preguntar acerca del programa de préstamos del Direct loan Program o el programa FFEL. ¿quién necesita completar la consejería de salida?[NEWLINE]agent: Students who have received a subsidized, unsubsidized or PLUS loan under the Direct Loan Program or the FFEL Program, must complete exit counseling each time they drop below half-time enrollment, graduate, or leave school.[NEWLINE][BOUNDARY][NEWLINE]user: will I need this if I drop out without finishing or I transfer?


user: I came here to learn more about a direct plus loan. Can you tell me a few things about it?[NEWLINE]agent: Of course. Do you want a non-exhaustive list of examples of extenuating circumstances?[NEWLINE]user: No, thank you. I already saw it on your website.[NEWLINE]agent: Do you believe that your situation fits within these examples, or presents a situation that otherwise qualifies for extenuating circumstances?[NEWLINE]user: No, I don't.[NEWLINE]agent: Are you aware that a review does not guarantee approval then?[NEWLINE]user: No, I didn't know that. Anyways, it doesn't matter now.[NEWLINE]agent: Are you aware that previous approval based on extenuating circumstances does not guarantee further approvals?[NEWLINE]user: No, I wasn't aware of that.[NEWLINE]agent: Are you aware that additional documentation may be required beyond the basic requirements?[NEWLINE]user: Yes, that is something I read about.[NEWLINE]agent: You'll also need to provide a statement that contains an explanation of your extenuation circumstances and the documentation applicable/appropriate to support your claim.[NEWLINE][BOUNDARY][NEWLINE]user: I see. But what about the description?


user: can you tell me more about extenuating circumstances on a tax lien[NEWLINE]agent: You will need to have established satisfactory repayment arrangements and six months of voluntary, consecutive, on-time, full monthly payments should have been made.[NEWLINE]agent: Have you reviewed the information and no longer wish to document extenuating circumstances?[NEWLINE]user: no, I will still do it to get my credit going in the right direction[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: what do you consider a collection account?[NEWLINE]agent: That is any account open or closed that has been placed in collection during the two years preceding the date of the credit report with a balance greater than zero[NEWLINE][BOUNDARY][NEWLINE]user: how can I make sure I get your e-mails?[NEWLINE]agent: Add StudentLoanSupport@ed.gov to your e-mail trusted senders list[NEWLINE][BOUNDARY][NEWLINE]user: Would my PLUS Credit Counseling requirement be considered fulfilled if I do complete the counseling voluntarily and they say I have an adverse credit history after completing it?[NEWLINE]agent: In that case your PLUS Credit Counseling requirement will be considered to be fulfilled.[NEWLINE][BOUNDARY][NEWLINE]user: Ah, that's good to know. And what can you tell me about exit counseling?


user: Hello, I would like to obtain information about the Mitigating Circumstances Test[NEWLINE]agent: You should know that a satisfactory repayment agreement has been established and six months of voluntary monthly payments have been made, consecutive and punctual.[NEWLINE]agent: Have you reviewed the above information and no longer want to document mitigating circumstances?[NEWLINE]user: yes[NEWLINE]agent: in that case you have the various options[NEWLINE]user: How can I ensure that when you send the mail it does not reach the spam mailbox?[NEWLINE]agent: To prevent our emails from reaching your spam or junk email, please add StudentLoanSupport@ed.gov to your list of trusted senders.[NEWLINE]user: and what documentation is required?[NEWLINE]agent: A copy of the actual version is essential.[NEWLINE][BOUNDARY][NEWLINE]user: and can it be a collection account?[NEWLINE]agent: Any open or closed account that has been placed in collection during the two years prior to the date of the credit report with a balance greater than zero.[NEWLINE]user: and a charged account works too?


user: I was denied because of bad credit so who can help me get a loan?[NEWLINE]user: what can I do to get a Direct plus loan?[NEWLINE]agent: Do you have an endorser that can help you get a loan?[NEWLINE]user: not at the moment[NEWLINE]agent: Were you thinking of using the student on whose behalf you are requesting the Direct PLUS Loan as an endorser?[NEWLINE]user: no I know I can't use them[NEWLINE]agent: You can't get a Direct PLUS loan without an endorser because of your credit[NEWLINE][BOUNDARY][NEWLINE]user: how can you help me if we had a repo?[NEWLINE]agent: If it was a repossession or an involuntary repossession within the past 5 years preceding the date of the credit report we might be able to help if you have proof of extenuating circumstances.[NEWLINE][BOUNDARY][NEWLINE]user: I also have had some debt problems because of a divorce so what would I need as proof to help me out?


user: Hi. I'm looking information about how to appeal a credit decision.[NEWLINE]agent: Sure thing, no problem. This appeal can be made can be made based on certain circumstances?[NEWLINE]user: Well, not really.[NEWLINE]agent: Do you believe this is situation was because of a extenuating circumstances?[NEWLINE]user: I been thinking about it, and I not sure that be.[NEWLINE]agent: Is you loan under any kind of review?[NEWLINE]user: Yes, that was the last thing they told me.[NEWLINE]agent: If that's the case. You will need to provide a statement that contains an explanation of your circumstances and the documentation to provide your claim.[NEWLINE][BOUNDARY][NEWLINE]user: I want to ask about the TEACH Grant I understand that the teachers receive official help in this regard, is it true?[NEWLINE]agent: Yes, of course. TEACH grants initial and subsequent counseling about what to do.[NEWLINE][BOUNDARY][NEWLINE]user: Anyone can complete this?


user: I came here seeking information on appealing a credit decision. Perhaps you can help me?[NEWLINE]agent: Did you read our non-exhaustive list of examples of extenuating circumstances?[NEWLINE]user: No, unfortunately not.[NEWLINE]agent: Do you believe that your situation fits within these examples, or presents a situation that otherwise qualifies for extenuating circumstances?[NEWLINE]user: No. Well, I don't know about the list, I haven't read it.[NEWLINE]agent: Are you aware that review does not guarantee approval?[NEWLINE]user: Yes, but that is just logical.[NEWLINE]agent: *DEFAULT ERROR*[NEWLINE][BOUNDARY][NEWLINE]user: What is a Direct PLUS Loan Application? After applying for this loan, what is the next step?[NEWLINE]agent: The information that you provide will be sent to the school that you select. The school you select will use the information collected to determine your eligibility for a Direct PLUS Loan and process your application.[NEWLINE]user: they will use my loan to pay school related things?


user: Hi there. I would like to have some information related about how to appeal a credit decision.[NEWLINE]user: Great, thanks. I want to know what can I do now.[NEWLINE]agent: Sure, no problem. Do you have contact with a endorser?[NEWLINE]user: I'm not very sure.[NEWLINE]agent: You know the endorser can not be the student by self?[NEWLINE]user: Yes, I have that very clear.[NEWLINE]agent: Alright. So, you need to know that you may still be eligible to receive a direct plus loan.[NEWLINE][BOUNDARY][NEWLINE]user: Alright, I have to bring proof of some kind of extenuating circunstances?[NEWLINE]agent: Sure, you can bring proof, for example, is your mortgage was fully paid.[NEWLINE]user: Great. Which other proof are accepted?


user: Hello, good to talk with you. I'm looking to know some things about the loan program, can you help me out?[NEWLINE]agent: No problem, that's why we are here. Before anything else, Do you know what is a Direct plus Loan?[NEWLINE]user: Yeah, i know the basics about it, but that's why i'm looking for guidance here, to be sure about some other things.[NEWLINE]agent: That's great. Just for a reminder, This proceeding you are doing right now is to obtain additional information about your loan process. Depending on your selected school, such process could vary.[NEWLINE]agent: By the way, Have you put a freeze on your credit file?[NEWLINE]user: No, i didn't do that.[NEWLINE][BOUNDARY][NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: O.k, Thanks. In any case, if i want to apply for a loan, should i go online to do that?[NEWLINE]agent: That's affirmative. You should start to going online and login in to start all the loan process.[NEWLINE][BOUNDARY][NEWLINE]user: Regarding with Credit Decision Demo | Extenuating Circumstances | Federal Student Aid. How do i get an adverse credit? It is because any debt?[NEWLINE]agent: Not for nay debt. If your total balance for those debts go above $2,085, then it is considered adverse credit.[NEWLINE][BOUNDARY][NEWLINE]user: Oh, that's interesting. Say, can you tell me about some extenuating circumstances?


user: Need help with the Direct Plus Loan Application for graduate students.[NEWLINE]agent: Would you like to learn what a Direct Plus Loan Application for graduate students is?[NEWLINE]user: No, I know what the Direct Plus Loan application is.[NEWLINE][BOUNDARY][NEWLINE]agent: Do you want to apply for a PLUS Loan?[NEWLINE]user: No, I do not need to apply for a PLUS Loan at this time.[NEWLINE][BOUNDARY][NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: When do I complete the Direct PLUS Loan MPN?[NEWLINE]agent: You have the chance to complete the Direct PLUS Loan MPN after you have completed the Direct PLUS Loan Request.[NEWLINE]user: What happens if I have placed a security freeze on my credit file?[NEWLINE]agent: You definitely have to lift or remove the freeze at each credit bureau before you will be able to continue because your application will not be processed otherwise.[NEWLINE][BOUNDARY][NEWLINE]user: Can I use my computer to apply for a PLUS Loan?


user: I have some questions about the direct plus loan.[NEWLINE]agent: a[NEWLINE]user: Sure, go ahead.[NEWLINE]agent: It is a request for supplemental information in connection with your application for a Federal Direct PLUS Loan Direct PLUS Loan through the William D. Ford Federal Direct Loan Direct Loan Program. Some schools may have a different process for obtaining the additional information needed to process your Direct PLUS Loan application.[NEWLINE][BOUNDARY][NEWLINE]user: In relation to the Direct PLUS Loan, is TEACH Grant Counseling an option?[NEWLINE]agent: You would have to complete TEACH grant initial and subsequent counseling.[NEWLINE][BOUNDARY][NEWLINE]user: What about financial awareness counseling?[NEWLINE]agent: Financial awareness counseling provides tools and information that would help you understand your particular financial aid and help with managing your finances.[NEWLINE][BOUNDARY][NEWLINE]user: Why is PLUS credit counseling required?[NEWLINE]agent: PLUS credit counseling is required if the US Department of Education has sent you information that you have an adverse credit history.[NEWLINE][BOUNDARY][NEWLINE]user: Is Exit counseling necessary?


user: I'm looking to apply for the Direct PLUS Loan and would like some information please.[NEWLINE]agent: Are you a Graduate or Professional Student?[NEWLINE]user: No, not yet but I'm planning ahead a bit.[NEWLINE][BOUNDARY][NEWLINE]agent: Are you seeking supplemental information about the aid on offer?[NEWLINE]user: No.[NEWLINE][BOUNDARY][NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: My application process has been stalled, why is this?[NEWLINE]agent: It might be because of the following: If you have placed a security freeze on your credit file, you must lift or remove the freeze at each credit bureau before you continue. Your application will not be processed if you have a security freeze..[NEWLINE]user: I find myself needing more information, is that possible?[NEWLINE]agent: We can provide you with supplemental information in connection with your application for a Federal Direct PLUS Loan  through the William D. Ford Federal Direct Loan Direct Loan Program.[NEWLINE]user: What do I have to do in order to apply for a Direct PLUS Loan?


user: hello could you help me with the PLUS Direct Loan Application for graduate students[NEWLINE]agent: Do you want to know what is a direct PLUS loan application for graduate / professional students?[NEWLINE]user: Yes please[NEWLINE]agent: ok, This is a request for supplemental information regarding your application for a Federal Direct PLUS Loan Direct PLUS Loan through the William D. Ford Federal Direct Loan Direct Loan Program. Some schools may have a different process to obtain the additional information necessary to process your Direct PLUS Loan application.[NEWLINE]agent: Have you placed a security lock on your credit file?[NEWLINE]user: No, I have not placed a security lock[NEWLINE][BOUNDARY][NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: Could you tell me what is a direct PLUS loan application for graduate / professional students?[NEWLINE]agent: This is a request for supplemental information regarding your request. The information you provide will be sent to the school you select. The school you select will use the information collected to determine your eligibility for a Direct PLUS Loan and to process your application.[NEWLINE]user: I see, I have another question regarding the PLUS loan application of the Direct Loan Program for parents, what can I do with the funds or products of this loan when it is approved?[NEWLINE]agent: This loan allows you to authorize your school to use the funds of the loan to pay for any other charges that arise and are related to your child's education. This is after tuition, fees and room and board have been paid[NEWLINE]user: And do I have to authorize my school to do this?


user: can you give me information about the PLUS direct loan application for postgraduate students[NEWLINE]agent: Do you want to know what is a direct PLUS loan application for graduate / professional students?[NEWLINE]user: no[NEWLINE][BOUNDARY][NEWLINE]agent: Do you know what to do to apply for a PLUS loan?[NEWLINE]user: Yes please[NEWLINE]agent: the first thing you should do is LOG IN TO GET STARTED[NEWLINE][BOUNDARY][NEWLINE]user: I have another question about PLUS loan application, do I have to complete exit counseling when graduating, too?[NEWLINE]agent: Yes, you do.[NEWLINE][BOUNDARY][NEWLINE]user: That's interesting, didn't know that. And who needs to complete exit counseling?[NEWLINE]agent: Students who have received a subsidized, unsubsidized or PLUS loan under the Direct Loan Program or the (FFEL) Program, must complete exit counseling each time they drop below half-time enrollment, graduate, or leave school.[NEWLINE][BOUNDARY][NEWLINE]user: Do I also need a verified FSA ID for this?


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


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


user: hi[NEWLINE]agent: hi[NEWLINE]user: hi[NEWLINE]agent: hi[NEWLINE]user: I'd like to know on when did the new regulations for GE Programs become effective?[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: What is gainful employment information mean?[NEWLINE]agent: Gainful employment means in order to get federal student aid a student must take an educational degree at a non-profit or public institution that will prepare them for gainful employment in a recognized occupation.[NEWLINE]user: Is there an special act that states this?[NEWLINE]agent: Yes, the Higher Education Act Title IV student assistance programs.[NEWLINE][BOUNDARY][NEWLINE]user: Is there glossary of terms used in the data spreadsheet?[NEWLINE]agent: Yes, there is a glossary of terms used in the D/E data spreadsheet.[NEWLINE][BOUNDARY][NEWLINE]user: I see. Another question about how I can get paid employment and also. 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: Hey, good morning. I'm looking for some information about the gainful employment, please.[NEWLINE]agent: Yeah, no problem. A gainful employment is one of the objectives that any educational program should have through preparation of the student. With that, the student can be eligible for student assistance programs.[NEWLINE]user: So, basically, you need to be sure that the institution is preparing the people for real world, to say something?[NEWLINE]agent: You could say it in that way, yes. Educational Institution must certainly prepare you for a post in a well recognized occupation.[NEWLINE]user: Can you explained to me this Gainful Employment Information rates? And the allowable assumptions?[NEWLINE]agent: The 2011 Disclosure Rates are not intended to form a basis for making general or specific assumptions or determinations about specific GE Programs, or for projections of future years' rates.[NEWLINE]user: And what happens when the programs do not meet the debt?[NEWLINE]agent: These informative rates were prepared before the years that programs that fail to meet debt measures must provide debt warnings and may lose eligibility after failing three of four consecutive years.[NEWLINE]user: Which loans were calculated for disclosure purposes?


user: I have some questions I need answered about gainful employment.[NEWLINE]agent: I can help you with that. To qualify for funding under the Higher Education Act Title IV student assistance program, the educational program you receive has to lead to a degree on a non-profit or public institution or prepare the student for gainful employment in a recognized profession.[NEWLINE]user: What is the Discretionary Income Rate?[NEWLINE]agent: Discretionary Income Rates of 20% or less are considered passing rates, rates higher than 20%, but less than or equal to 30% are called zone rates, and rates greater than 30% are failing rates.[NEWLINE]user: Good to know, now about the downloadable paid employment spreadsheet, what reasons make the information rates not allow for assumptions?[NEWLINE]agent: The 2011 Disclosure Rates are not intended to form a basis for making general or specific assumptions or determinations about specific GE Programs, or for projections of future years' rates.[NEWLINE]user: And what happens when the programs do not meet the debt?[NEWLINE]agent: These informative rates were prepared before the years that programs that fail to meet debt measures must provide debt warnings and may lose eligibility after failing three of four consecutive years.[NEWLINE]user: Which loans were calculated for disclosure purposes?


user: a[NEWLINE]agent: a[NEWLINE][BOUNDARY][NEWLINE]user: a[NEWLINE]agent: a[NEWLINE]user: Yes, I have read that.[NEWLINE]agent: Then you should know that the SSA calculates and returns to the U.S. Department of Education the Department the mean and median annual earnings of a cohort of students who completed the GE program during a specified cohort period.[NEWLINE][BOUNDARY][NEWLINE]user: Also, have you heard of GE Programs? When did the new rules become effective?[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: Yes I'd like some information pertaining to the criteria of gainful employment and student aid.[NEWLINE]agent: An educational program must lead to a degree at a non-profit or public institution or it must prepare students for "gainful employment in a recognized occupation" in order for said program to be eligible for funding under the Higher Education Act Title IV student assistance programs.[NEWLINE][BOUNDARY][NEWLINE]user: What's earnings data and how is it calculated?[NEWLINE]agent: Are you employed?[NEWLINE]user: No, not yet.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: I'm having trouble understanding my Debt-to-Earnings (D/E) Rate Data. What are the little stars for?[NEWLINE]agent: On the spreadsheet, a single asterisk * indicates that the information presented in the field has changed from what was presented prior to the April 25, 2018, update.[NEWLINE][BOUNDARY][NEWLINE]user: Why is it not possible to form a basis for making assumptions about reporting rates?[NEWLINE]agent: The 2011 Disclosure Rates are not intended to form a basis for making general or specific assumptions or determinations about specific GE Programs, or for projections of future years' rates.[NEWLINE][BOUNDARY][NEWLINE]user: That's helpful to hear. Do you have any experience with Debt-to-Earnings? Is it possible to access this spreadsheet through the web?[NEWLINE]agent: Yes we have information on how to [36] Download the Debt to Earnings data spreadsheet.[NEWLINE][BOUNDARY][NEWLINE]user: And how is the Annual Earnings Rate calculated?