user: What can I do with my loan if a withdraw from my school?[NEWLINE]agent: You can opt for an unpaid refund discharge if your case is eligible for it.[NEWLINE]agent: Did you withdraw from school after receiving your federal student loan?[NEWLINE]user: No, but I'm thinking about it.[NEWLINE]agent: If you do then do you think your school could fail to return the loan funds to your loan servicer?[NEWLINE]user: I think it could happen, yes.[NEWLINE]agent: In that case, you can be eligible for a discharge of your loan, but only the portion that the school fails to return.[NEWLINE][BOUNDARY][NEWLINE]user: And for parents, in the case of a Direct PLUS Loan, can their loan be discharged as well?[NEWLINE]agent: The same applies to parents with a Direct PLUS loan. If their child withdraws from school and the school fails to return the parent PLUS loan funds then the portion that it's failed to be returned would be withdrawn from the loan.[NEWLINE]agent: Are you a parent of a student in that situation?[NEWLINE]user:  Well, not me but my parents, yes.


user: Is it possible to be eligible for a discharge if my loan servicer did not make the required return of loan funds to the loan servicer when I withdrew from school?[NEWLINE]agent: Yes, you can learn more about the unpaid refund discharge to see if you qualify or not.[NEWLINE]agent: Did you withdraw from school after receiving a loan made under the William D. Ford Federal Direct Loan Program or Federal Family Education Loan?[NEWLINE]user: Yes, I withdrew after receiving the William D. Ford Federal Direct Loan Program loan.[NEWLINE]agent: Then the school would have been required under federal regulations to return some or all of the loan money to your loan servicer.[NEWLINE]user: Will the discharge be for the whole amount?[NEWLINE]agent: The discharge would be for the portion of the loan that the school did not return.[NEWLINE][BOUNDARY][NEWLINE]user: How do I apply for an unpaid refund dischargeif the school is still open?[NEWLINE]agent: You should be able to contact the school and attempt to resolve the problem with them before applying for an unpaid refund.[NEWLINE][BOUNDARY][NEWLINE]user: What if I am parent who received a Direct PLUS Loan to help pay for my child's education, will my loan be discharged due to unpaid refund?[NEWLINE]agent: Actually, yes, the amount the school should have returned will be discharged.[NEWLINE]user: What will happen if my child withdrew from school but the school never made a return of the parent PLUS loan funds?


user: I need info on a loan for a school I dropped out of[NEWLINE]agent: Okay, we can help you learn more about the unpaid refund discharge to see whether you might qualify[NEWLINE]agent: Did you withdraw from school after receiving a loan made under the William D. Ford Federal Direct Loan Direct Loan Program or Federal Family Education Loan  Program?[NEWLINE]user: yes[NEWLINE]agent: The school may have been required under federal regulations to return some or all of the loan money to your loan servicer[NEWLINE]user: What if the school didn't return anything after I left?[NEWLINE]agent: You could be eligible for a discharge of the portion of your loan that the school failed to return[NEWLINE][BOUNDARY][NEWLINE]user: what do I do to see about that discharge for the loan?[NEWLINE]agent: You will need to complete the Loan Discharge Application: Unpaid Refund,  and send the completed form to your loan servicer[NEWLINE][BOUNDARY][NEWLINE]user: is the discharge the same if you are the parent and you got the loan?[NEWLINE]agent: Yes,  the amount of the loan that the school should have returned will be discharged. You can contact your loan servicer for more information.[NEWLINE][BOUNDARY][NEWLINE]user: can I just go to the school and ask for the loan back?


user: Hello, I need help, I recently left school and the school did not make the required repayment of the loan funds, how do I do?[NEWLINE]agent: First, it's important that you get more information about the unpaid rebate registration to see if you can qualify.[NEWLINE]agent: dropped out of school after receiving a loan from the Loan Program?[NEWLINE]user: Right[NEWLINE]agent: in that case the school may have been required by federal regulations to return some or all of the loan money to your loan servicer.[NEWLINE]user: and i could be eligible?[NEWLINE]agent: Of course you may be eligible for a discharge of the part of your loan that the school was unable to repay.[NEWLINE][BOUNDARY][NEWLINE]user: and another question whether a parent who received a Direct PLUS Loan to help pay for their child's education. Can my loan be canceled due to an unpaid refund?...[NEWLINE]agent: Yes, the loan amount that the school should have repaid will be canceled. Contact your loan servicer for more information.[NEWLINE]user: Is that only in cases where the child dropped out of school but the school did not make the required repayment of the parent's PLUS loan funds?[NEWLINE]agent: that is correct, the loan amount that the school should have repaid will be canceled.[NEWLINE][BOUNDARY][NEWLINE]user: ok, so i want to request the download of the refund without paying, what do i do?


user: I need to know if I'm eligible for a discharge of my federal student loans.[NEWLINE]agent: I'll be happy to help you find out if you qualify for the unpaid refund discharge.[NEWLINE]user: Thank you. I've withdrawn from school and I received my loan under the FFEL Program. Do I qualify?[NEWLINE]agent: In this case, your school may be required to return part or all of your loan money to the loan servicer.[NEWLINE]user: What if my school failed to return the loan funds after I withdrew?[NEWLINE]agent: This may make you eligible for a discharge of the loan money that your school failed to return.[NEWLINE][BOUNDARY][NEWLINE]user: What if my parents received a Direct PLUS loan for my education? Does the loan still qualify?[NEWLINE]agent: yes. If your school did not return the loan money, that amount will be discharged.[NEWLINE]agent: Did the school refuse to make a required return of your parent's PLUS loan funds?[NEWLINE]user: No.[NEWLINE][BOUNDARY][NEWLINE]user: How do I find out who my loan servicer is?


user: I left school and need to know if I'm eligible for a dicharge of my federal student loans.[NEWLINE]agent: 'll be happy to help you find out if you qualify for an unpaid return discharge.[NEWLINE]agent: Was your loan made under the William D. Ford Federal Direct Loan Program or the FFEL Program?[NEWLINE]user: No. I don't think it was.[NEWLINE]agent: Has the school that you've withdrawn from refused to make a required return of your loan money?[NEWLINE]user: No, they haven't refused, but they seem to be dragging their feet about it.[NEWLINE][BOUNDARY][NEWLINE]user: How would I go about applying for the unpaid refund discharge?[NEWLINE]agent: Is the school that you used to attend still open?[NEWLINE]user: No. They are closed.[NEWLINE]agent: Have they shutdown permanently?[NEWLINE]user: Yes.


user: Hello, I have an issue. I withdrew from school and I'm wondering about some things regarding the return of my loan funds.[NEWLINE]agent: You're in the right place then. Here you can learn more about the unpaid refund discharge to see whether you might qualify.[NEWLINE]agent: Did you withdraw from school after receiving a loan made under the William D. Ford Federal Direct Loan Direct Loan Program or Federal Family Education Loan FFEL Program?[NEWLINE]user: No, that isn't the case.[NEWLINE]agent: Did the school NOT make a required return of the loan funds after you withdrew?[NEWLINE]user: No, they returned the loan funds.[NEWLINE][BOUNDARY][NEWLINE]user: So how much of my loan will be discharged if I was approved for that?[NEWLINE]agent: Only the portion of your loan that your school should have returned will be discharged. Contact your loan servicer for more information.[NEWLINE][BOUNDARY][NEWLINE]user: What if I'm ready to apply for the unpaid refund discharge?[NEWLINE]agent: Then you must complete the Loan Discharge Application: Unpaid Refund and send the completed form to your loan servicer.[NEWLINE]user: What if I want to apply for an unpaid refund discharge, but my school has closed down?


user: How do I decide which income-driven repayment plan to choose within the FSA process?[NEWLINE]agent: Have you decided that an income-driven repayment plan is what you want to proceed with?[NEWLINE]user: Yes, that is my choice[NEWLINE]agent: In that case, you will need to choose the plan that will provide the most benefits to you which are based on your own personal circumstances[NEWLINE][BOUNDARY][NEWLINE]user: What does it mean when it says that I must be a new borrower to qualify for the PAYE Plan?[NEWLINE]agent: This means that you must have had no outstanding balance on a Direct Loan or FFEL Program loan when you received a Direct Loan or FFEL Program loan on or after Oct. 1, 2007, and you must have received a disbursement of a Direct Loan on or after Oct. 1, 2011[NEWLINE][BOUNDARY][NEWLINE]user: Are there any implications if I don't recertify my income and family size by the annual deadline?[NEWLINE]agent: In this instance, any unpaid interest will be capitalized added to the principal balance of your loans. This will increase the total cost of your loans over time, because you will then pay interest on the increased loan principal balance[NEWLINE][BOUNDARY][NEWLINE]user: What do I do if it happens that an income-driven repayment plan is not right for me?[NEWLINE]agent: You are advised to contact your loan servicer to discuss other repayment options. In this instance you may be able to extend your repayment period through what is known as the Extended Repayment Plan. You may also be able to qualify for a temporary repayment suspension through a deferment or forbearance[NEWLINE][BOUNDARY][NEWLINE]user: What happens if I didn't recertify my family size by the annual deadline?


user: will my repayment plan be divided into similar payments?[NEWLINE]agent: No, your required monthly payment amount may increase or decrease if your income or family size changes from year to year.[NEWLINE]agent: Did you want to know more about recertification?[NEWLINE]user: no I need some other things[NEWLINE][BOUNDARY][NEWLINE]user: about how long will it take to pay back?[NEWLINE]agent: Income-driven repayment plans have different repayment periods.[NEWLINE][BOUNDARY][NEWLINE]user: How can I get them to look at my payment plan if something comes up suddenly?[NEWLINE]agent: You can submit a new application for an incom-driven repayment plan to do this.[NEWLINE]user: so if I lost my job that is all I need to do?[NEWLINE]agent: Yes, if there is a change like loss of employment you can ask your servicer to recalculate your payment amount at any time.[NEWLINE][BOUNDARY][NEWLINE]user: can you give me more information about the repayment plans?


user: I need help with understanding annual re-certification requirements on income and family size.[NEWLINE]agent: I can help you with that. It's very important that you re-certify your income and family size by the given annual deadline.[NEWLINE]agent: Have you recertified your income by the deadline?[NEWLINE]user: Yes, I have.[NEWLINE]agent: Excellent. Those who don't re-certify would be subject to varying consequences depending on their plan.[NEWLINE][BOUNDARY][NEWLINE]user: What does applying for an income-driven repayment plan allow me to do?[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: What if I have an outstanding balance on a Direct Loan?[NEWLINE]agent: If you have an outstanding balance on a Direct Loan or FFEL program loan when you received a loan on or after Oct. 1st 2007, you will not qualify for the PAYE plan.[NEWLINE][BOUNDARY][NEWLINE]user: How do REPAYE and ICR plans work?[NEWLINE]agent: Under these plans, your payment is always based on your income and family size, regardless of income changes. For example, if your income increases over time, your payment may be higher than the amount you would have to pay under the 10 year Standard Repayment Plan.[NEWLINE][BOUNDARY][NEWLINE]user: What repayment plan is available for FFEL program loans?


user: Hi, I'd like to know where can I get more information about income-based payment plans?[NEWLINE]agent:  Want more information about the income - driven repayment plans?[NEWLINE]user: yes[NEWLINE]agent: Explore our Questions and Answers page on Income Driven Plans[NEWLINE][BOUNDARY][NEWLINE]user: How long will I have a refund under each plan?[NEWLINE]agent: Income-based repayment plans have different repayment periods Under all four plans, any remaining loan balance is forgiven if your federal student loans are not paid in full at the end of the repayment period[NEWLINE][BOUNDARY][NEWLINE]user: very well and how do I calculate the amount of my payment?[NEWLINE]agent: You can Use our loan simulator. Loan Simulator provides a comparison of estimated monthly payment amounts for all federal student loan repayment plans, including income-based plans.[NEWLINE][BOUNDARY][NEWLINE]user: Will the ICR Plan give me benefits for PLUS loans?[NEWLINE]agent: The benefits of this plan will give you the only income-based repayment option available to major PLUS loan borrowers.[NEWLINE][BOUNDARY][NEWLINE]user: What would be the different payment periods?


user: Will something happen if I don't get my income and family size recertified by the annual deadline?[NEWLINE]agent: It is really important to recertify before the annual deadline.[NEWLINE]agent: Do you need to know what happens if you don't recertify your income before the deadline?[NEWLINE]user: Yes, I would like to know the answer about recertifying my income.[NEWLINE]agent: The things that will happen vary depending on the plan you have.[NEWLINE]user: What happens if my family size is not recertified?[NEWLINE]agent: The same repayment plan would be enforced if you do not recertify your family size.[NEWLINE][BOUNDARY][NEWLINE]user: What if I have an income that is not taxed or do not have an income at all?[NEWLINE]agent: You would have to mark it the online application or paper application and you are not required to supply further documentation.[NEWLINE][BOUNDARY][NEWLINE]user: Are their other repayment options if I do not want an income-driven repayment plan?[NEWLINE]agent: You would need to contact your loan servicer and discuss repayments options such as extending our repayment period or temporarily suspend your repayment through deferment or forbearance.[NEWLINE][BOUNDARY][NEWLINE]user: Is there another option besides income-driven plans for PLUS loans for parents?


user: Hello i would like to get information about What types of federal student loans can I repay under an income-based repayment plan?[NEWLINE]agent: The table below shows the types of federal student loans you can pay under each of the income-based payment plans.[NEWLINE]user: What happens if I consolidate a FFEL Program Loan?[NEWLINE]agent: You can repay the Direct Consolidation Loan under the REPAYE, PAYE and ICR Plan depending on The type of loan you consolidate.[NEWLINE][BOUNDARY][NEWLINE]user: How do I see the plans?[NEWLINE]agent: Try This Resource Federal Student Loans: Paying Off Your Loans Provides information on federal student loan repayment plan options, finds loan history and loan managers, and makes payments.[NEWLINE][BOUNDARY][NEWLINE]user: and how will my AGI be used?[NEWLINE]agent: Your AGI will be used if you filed a federal tax return in the past two years[NEWLINE]user: yes[NEWLINE]agent: Is your current income not significantly different from the income reported on your most recent federal tax return?[NEWLINE]user: yes[NEWLINE]agent: In that case This may be your adjusted adjusted gross income or alternative income documentation.[NEWLINE][BOUNDARY][NEWLINE]user: and where do I get more information?


user: What is involved in applying for an income-driven repayment plan through the FSA?[NEWLINE]agent: Before any application is made, you are advised to contact your loan servicer if you have any queries or questions. Your loan servicer will be able to advise you which plan is the correct one for you[NEWLINE]user: How do I apply for an income-driven repayment plan?[NEWLINE]agent: You have t submit an application which is known as the Income-Driven Repayment Plan Request form[NEWLINE]user: Is my AGI ever used during my income-driven repayment plan application?[NEWLINE]agent: Have you filed a federal income tax return in the past two years?[NEWLINE]user: Yes I have[NEWLINE]agent: And may I ask, is your current income significantly different from the income that was reported on your most recent federal income tax return?[NEWLINE]user: Yes, it's quite different[NEWLINE]agent: null[NEWLINE][BOUNDARY][NEWLINE]user: How do I qualify for a PAYE and IBR Plan?


user: Hello, what are the low payments for federal loans?[NEWLINE]agent: Hay una tabla donde se relaciona el tipo de prestamo con los tipos de pagos basado en ingresos.[NEWLINE]agent: Puedes considerar un prestamo mediante el   programa FFEL o un préstamo federal Perkins.[NEWLINE]user: En que cosiste este tipo de plan?[NEWLINE]agent: Tiene como objetivo el reembolsar el Préstamo de Consolidación Directa bajo el Plan REPAYE, PAYE e ICR.[NEWLINE][BOUNDARY][NEWLINE]user: En que consiste AGI?[NEWLINE]agent: It is important to note if you have filed a federal tax return in the past two years.[NEWLINE]user: What is the federal tax return?[NEWLINE]agent: You have to report your current income.[NEWLINE]user: Does the information in both scenarios have to match?[NEWLINE]agent: It is important to report adjusted gross income or alternative income documentation.[NEWLINE][BOUNDARY][NEWLINE]user: Do I need to know all the options to be able to cancel my aid loan?[NEWLINE]agent: Sure, an income-based plan is not recommended.[NEWLINE]user: What does this plan consist of?


user: Hello there. I need to know what happens if I miss the annual deadline to recertify my income.[NEWLINE]agent: Of course. It's important for you to recertify your income and family size by the specified annual deadline.[NEWLINE]agent: Did you NOT recertify your income by the deadline?[NEWLINE]user: No. I mean yes, but my case is a little specific.[NEWLINE]agent: Did you NOT recertify your income by the deadline and are you under the REPAYE plan?[NEWLINE]user: Yes. That's the issue.[NEWLINE]agent: Then you'll be removed from the REPAYE Plan and placed on an alternative repayment plan.[NEWLINE]user: What changes if I get an alternative repayment plan?[NEWLINE]agent: Under this alternative repayment plan, your required monthly payment is not based on your income.[NEWLINE][BOUNDARY][NEWLINE]user: That's good to know. So what types of student loans can I repay under 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]agent: Did you consolidate a FFEL Program Loan or Federal Perkins Loan into a Direct Consolidation Loan?


user: Hello, I need to know what happens if I do not recertify my income and the size of my family?[NEWLINE]agent: It is vitally important to carry out such processes by the specified annual deadline to avoid penalties.[NEWLINE]agent: If you do not carry out such a process, I recommend that you recertify your income on the stipulated date.[NEWLINE]user: Can you tell me more about it?[NEWLINE]agent: If you do not carry out the process in the time limit, you will be presented with other options that you should take into account.[NEWLINE]user: Can you advise me more about that particular case please?[NEWLINE][BOUNDARY][NEWLINE]user: Can you explain what the AGI consists of?[NEWLINE]agent: Before continuing, can you tell me if you filed the federal tax return?[NEWLINE]user: What would happen if I did not do it?[NEWLINE]agent: It is important that current income is not different with what you reported on the tax return.[NEWLINE]user: What would happen if I did not make the declaration in the last years?[NEWLINE]agent: It can also be adjusted gross income or some alternative income report.[NEWLINE][BOUNDARY][NEWLINE]user: Can you tell me what is the income based plan?


user: Hello, I would like to know how much you have to pay monthly for an income based payment plan?[NEWLINE]agent: The amounts can vary, it all depends on several factors.[NEWLINE]user: Can you advise me on recertifying?[NEWLINE]agent: It is vitally important that you enter another payment plan request based on income.[NEWLINE][BOUNDARY][NEWLINE]user: What does AGI consist of?[NEWLINE]agent: It is important that you must be clear with the federal tax return in the last two years.[NEWLINE]user: Can you tell me more about the topic?[NEWLINE]agent: It is all based on adjusted gross income, among other things.[NEWLINE][BOUNDARY][NEWLINE]user: Can you tell me the different ways to facilitate help to pay my loans?[NEWLINE]agent: Sure, it's important that the payment plan is based primarily on income.


user: Can I get a teacher loan forgiveness?[NEWLINE]agent: Are you currently in default on a loan?[NEWLINE]user: No, I'm not.[NEWLINE][BOUNDARY][NEWLINE]user: But in case I apply for a teacher loan forgiveness, what should I do if my loan is with a different loan servicers?[NEWLINE]agent: If that's the case, you should submit a separate form to each servicer.[NEWLINE][BOUNDARY][NEWLINE]user: Is the PLUS loan for parents eligible for teacher loan forgiveness?[NEWLINE]agent: No, PLUS loans for parents aren't eligible for this type of forgiveness.[NEWLINE][BOUNDARY][NEWLINE]user: What's the maximum amount I can get in loan forgiveness as a full-time secondary education teacher?[NEWLINE]agent: If you didn't teach mathematics, science, or special education, you may receive up to 5000$ in loan forgiveness.[NEWLINE][BOUNDARY][NEWLINE]user: And what if I'm an AmeriCorps Program volunteer, there's anything I should be aware of when applying for a teacher loan forgiveness?


user: I want to know if I'm eligible for a teacher loan forgiveness.[NEWLINE]agent: Are you in default on a loan?[NEWLINE]user: I am, yes.[NEWLINE]agent: Then first you should make satisfactory repayment arrangements with the holder of the defaulted loan, if you don't do that first then you wouldn't be eligible.[NEWLINE][BOUNDARY][NEWLINE]user: And what do I have to do if the loans are with different loan servicers?[NEWLINE]agent:  just submit a separate form to each of the servicers.[NEWLINE][BOUNDARY][NEWLINE]user: In my case, I taught at school that was included in the TCLI Directory only during my first year of teaching. Would the rest of my teaching years be counted towards the 5 years to qualify for the teacher loan forgiveness?[NEWLINE]agent: Yes, don't worry, the rest of your teaching years on that school will be counted as well.[NEWLINE][BOUNDARY][NEWLINE]user: How can I know if I qualify as a highly qualified teacher?[NEWLINE]agent: You must meet some basic requirements to qualify as a highly qualified teacher, with additional requirements depending of if you are a elementary or secondary school teacher and whether you're new to the teaching profession.[NEWLINE][BOUNDARY][NEWLINE]user: And how do I know if I'm teaching at a low-income school? I worked in an Indian reservation school.


user: I have a teacher loan forgiveness question on how much can be forgiven[NEWLINE]agent: If you qualify you may be be eligible for forgiveness of up to $17,500 on your Direct Subsidized and Unsubsidized Loans and your Subsidized and Unsubsidized Federal Stafford Loans.[NEWLINE]agent: Have you taught full-time for five complete and consecutive academic years in a low-income school or educational service agency?[NEWLINE]user: no, but almost there so just need information[NEWLINE][BOUNDARY][NEWLINE]user: what else do I need to be eligible for the $17,500 forgiveness?[NEWLINE]agent: Are you a highly qualified full-time mathematics or science teachers who taught students at the secondary level?[NEWLINE]user: no I teach English[NEWLINE]agent: Are you a highly qualified special education teacher at either the elementary or secondary level whose primary responsibility was to provide special education to children with disabilities?[NEWLINE]user: no just an English teacher[NEWLINE]agent: You don't qualify for the full $17,500 loan forgiveness.[NEWLINE][BOUNDARY][NEWLINE]user: If the school I was teaching at was considered low-income for a short time but then it wasn't anymore how will my years be counted?


user: what can we get forgiven on a teacher loan?[NEWLINE]agent: The maximum forgiveness amount is either $17,500 or $5,000, depending on the subject area taught.[NEWLINE]agent: Do you have eligible loans under both the Direct Loan Program and the FFEL Program?[NEWLINE]user: yes I do[NEWLINE]agent:  $17,500 or $5,000 is a combined maximum forgiveness amount for both programs[NEWLINE]user: Is it that easy or are there more steps to be eligible for the maximum forgiveness?[NEWLINE]agent: Were you a highly qualified full-time mathematics or science teacher who taught students at the secondary school level?[NEWLINE]user: No I wasn't[NEWLINE]agent: Were you a highly qualified special education teacher whose primary responsibility was to provide special education to children with disabilities?[NEWLINE]user: No I didn't work with special ed students[NEWLINE]agent: You are not eligible for the combined maximum forgiveness amount[NEWLINE][BOUNDARY][NEWLINE]user: what loan forgiveness can I get for a Federal Consolidation Loan?


user: Hey, greetings to you. You know, i got a student loan, so i have to repay it, but i got a teacher job too. That counts for anything on the loan?[NEWLINE]agent: It does, indeed. Being a teacher can be useful for you, as you can get a loan forgiveness, Which amount can be $17,000 or $5,000, depending on the subject area taught.[NEWLINE]agent: I have to ask, Do you have any loan under both the Direct Loan Program and the FFEL Program?[NEWLINE]user: No, i don't have any loan under any of that.[NEWLINE][BOUNDARY][NEWLINE]user: No problem. Say, if i have a plus loan or that other one, Federal Perkins, i still can use forgiveness?[NEWLINE]agent: Sadly, that's a no. The Plus loans and Federal Perkins Loans are out for this forgiveness. However, you could still be eligible to cut down your Federal Perkins loan based on your employment or volunteer service.[NEWLINE][BOUNDARY][NEWLINE]user: Umm, that's a boomer. Oh, well. Returning to earlier question about how much could get for forgiveness, you said it could be up to $17,500, right? How do i qualify for that?[NEWLINE]agent: Are you a qualified full time mathematics or science teacher who taught students at the secondary school level?[NEWLINE]user: Yeah, i was teaching science.[NEWLINE]agent: Excellent, then you can be eligible to get a forgiveness up to $17,500.[NEWLINE][BOUNDARY][NEWLINE]user: Nice, nice. Thanks for that info. Look, i have this doubt. Lets say i already have a loan but i fell on default. That would affect my chances for forgiveness?


user: I need to know if I'm teaching at a low-income school or educational service agency, please[NEWLINE]agent: The school or educational services agency must be listed in the Teacher Cancellation  Low Income (TCLI) Directory, published each year by the US Department of Education.[NEWLINE]agent: Have you found out if your school or educational services agency is classified as low income?[NEWLINE]user: Not yet[NEWLINE]agent: Is the TCLI Directory available before May 1?[NEWLINE]user: No, just after May 1[NEWLINE][BOUNDARY][NEWLINE]user: What if I am applying for forgiveness of loans that are with different loan servicers?[NEWLINE]agent: In that case, you must submit a separate form to each of them[NEWLINE][BOUNDARY][NEWLINE]user: I have taeaching full time for eight complete and consecutive academic years in a low-income school, am I eligible?[NEWLINE]agent: Yes, you may be eligible for forgiveness of up to $ 17,500 on your Direct Subsidized and Unsubsidized Loans and your Subsidized and Unsubsidized Federal Stafford Loans[NEWLINE][BOUNDARY][NEWLINE]user: Can I receive loan forgiveness under both the Teacher Loan Forgiveness Program and the Public Service Loan Forgiveness Program?


user: If I have a defaulted loan, am I eligible for teacher loan forgiveness?[NEWLINE]agent: Are you currently in default with your loan?[NEWLINE]user: Yes, unfortunately, I am[NEWLINE]agent: You will not be eligible for forgiveness of that loan unless you make satisfactory arrangements with the holder of the defaulted loan[NEWLINE][BOUNDARY][NEWLINE]user: What is one of the additional requirements of teacher loan forgiveness for elementary, middle or secondary school teachers who are not new to the profession?[NEWLINE]agent: One of the requirements is that the individual must be made available to the public upon request[NEWLINE][BOUNDARY][NEWLINE]user: What way do I go about applying for teacher loan forgiveness?[NEWLINE]agent: You need to submit a completed Teacher Loan Forgiveness Application to your loan servicer. You must have completed the required five consecutive years of qualifying teaching[NEWLINE]user: I have loans with different loan servicers and am applying for forgiveness, will that cause a problem?[NEWLINE]agent: You will need to submit a separate form to each loan servicer[NEWLINE][BOUNDARY][NEWLINE]user: Is it possible to receive teacher loan forgiveness on PLUS loans or Federal Perkins Loans?


user: I'm part of the teacher loan program and I wanted to know if I can receive loan forgiveness or not.[NEWLINE]agent: Of course. You can potentially receive forgiveness under both the Teacher Loan Forgiveness Program and the Public Service Loan Forgiveness Program, but not for the same period of teaching service.[NEWLINE]user: Well, what if I complete five years of qualifying teaching and then I get forgiveness of my Direct Loans?[NEWLINE]agent: If you complete five consecutive years of qualifying teaching and receive forgiveness of your Direct Loans under the Teacher Loan Forgiveness Program, any payments you made on your Direct Loans during that five-year period can not be counted toward the required 120 monthly payments for the Public Service Loan Forgiveness Program.[NEWLINE][BOUNDARY][NEWLINE]user: Alright, that makes sense. And what if I'm applying for forgiveness of loans from different loan servicers?[NEWLINE]agent: In that case you must submit a separate form to each of them.[NEWLINE][BOUNDARY][NEWLINE]user: But I can receive forgiveness, right? I mean, if I'm under the teacher loan forgiveness program.[NEWLINE]agent: Yes, you can potentially receive forgiveness under both the Teacher Loan Forgiveness Program and the Public Service Loan Forgiveness Program, but not for the same period of teaching service.[NEWLINE]user: What do I need to do to receive public service loan forgiveness then?[NEWLINE]agent: You would need to make 120 more qualifying monthly payments.[NEWLINE][BOUNDARY][NEWLINE]user: That's a lot, but it's fair enough. Can you tell me more about the teacher loan forgiveness and the benefits of the AmeriCorps program, please?[NEWLINE]agent: Are you an AmeriCorps Program volunteer?[NEWLINE]user: Yes, I am.


user: Hello, I want to know if my federal student loans can be forgiven if I have worked as a teacher.[NEWLINE]agent: Of course. Learn about the forgiveness program to see whether you qualify.[NEWLINE]agent: Did you teach full-time for five complete and consecutive academic years in a low-income school or educational service agency, and do you meet the other listed qualifications?[NEWLINE]user: Yes, I do![NEWLINE]agent: Then you may be eligible for forgiveness of up to $ 17,500 on your Direct Subsidized and Unsubsidized Loans and your Subsidized and Unsubsidized Federal Stafford Loans.[NEWLINE]user: I see. What if I have a federal consolidation loan?[NEWLINE]agent: In that case you may be eligible for forgiveness of the outstanding portion of the consolidation loan that repaid an eligible Direct Subsidized Loan, Direct Unsubsidized Loan, Subsidized Federal Stafford Loan, or Unsubsidized Federal Stafford Loan.[NEWLINE][BOUNDARY][NEWLINE]user: What are the eligibility requirements then?[NEWLINE]agent: Well, you must not have had an outstanding balance on Direct Loans or Federal Family Education Loan FFEL Program loans as of Oct. 1, 1998, or on the date that you obtained a Direct Loan or FFEL Program loan after Oct. 1, 1998.[NEWLINE][BOUNDARY][NEWLINE]user: Now that's interesting, thank you. What do I need to do to receive the maximum $ 17,500 in loan forgiveness?[NEWLINE]agent: Are you a highly qualified full-time mathematics or science teacher who taught students at the secondary school level?[NEWLINE]user: No, sorry.[NEWLINE]agent: Are you a highly qualified special education teacher at either the elementary or secondary level whose primary responsibility was to provide special education to children with disabilities?[NEWLINE]user: No, I'm not.


user: How much loan forgiveness could I possibly get?[NEWLINE]agent: The most loan forgiveness you could get is either$17,500 or $5,000 and it is determined by what subject area you taught.[NEWLINE]user: What if I have eligible loans under both Direct Loan and FFEL Program?[NEWLINE]agent: You still can only receive a combined maximum forgiveness of $17,500 or $5,000.[NEWLINE][BOUNDARY][NEWLINE]user: Do I need to submit a seperate application for both?[NEWLINE]agent: Yes, you would need to submit a seperate application for both.[NEWLINE][BOUNDARY][NEWLINE]user: What a the eligibility requirements for me to get up to $17,500 loan forgiveness?[NEWLINE]agent: Did you teach as a highly qualified full-time math or science teacher at the secondary level.[NEWLINE]user: No, I did not teach those subjects or at that level.[NEWLINE]agent: Are you a highly qualified special ed teacher at the elementary or secondary level whose primary responsibility was to provide special ed to children with disabilities?[NEWLINE]user: No, I am not a special ed teacher.


user: I want to find out more about who is handling my school loan[NEWLINE]agent: We can help you learn about the role that student loan servicers play in the repayment process and which servicer handles your federal student loans[NEWLINE][BOUNDARY][NEWLINE]user: where do I go for info if the loan isn't with the Department of Education?[NEWLINE]agent: Do you have FFEL Program loans that are not owned by ED?[NEWLINE]user: yes[NEWLINE]agent: You should contact your servicer[NEWLINE][BOUNDARY][NEWLINE]user: what do I do after I get the welcome letter on a loan transfer?[NEWLINE]agent: You should start sending in payments to the new servicer[NEWLINE]user: what happens to my loan in a transfer?[NEWLINE]agent: It just means that a new servicer will provide the support you need to fully repay your loans[NEWLINE]user: if it is a Department of Education loan and they transfer it does it become something else?


user: I'd like to know what I can expect from the person in charge of my Student Loan.[NEWLINE]agent: We can provide information about the role that student loan servicers play in the repayment process and which servicer handles your federal student loans.[NEWLINE][BOUNDARY][NEWLINE]user: How do I find out who my servicer is?[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 got an email about a loan transfer. Why is that?[NEWLINE]agent: In some cases, a loan can be transferred from one servicer to another servicer but your loan will still be owned by ED.[NEWLINE]agent: Did the email say that your loan had been transferred?[NEWLINE]user: No, I think it was just explaining what the process was but I didn't really read it all.[NEWLINE][BOUNDARY][NEWLINE]user: And how exactly does a loan servicer help me?[NEWLINE]agent: A loan servicer is a company that we assign to handle the billing and other services on your federal student loan on our behalf, at no cost to you.[NEWLINE]user: Oh cool, it's free. What if I move or something?


user: hi could you tell me who is my student loan manager?[NEWLINE]agent: Of course Learn about the role student loan servicers play in the repayment process and which servicer handles your federal student loans[NEWLINE][BOUNDARY][NEWLINE]user: and how do I find out who my loan manager is?[NEWLINE]agent: very easy call the FSAIC Federal Student Aid Information Center at 1 - 800 - 433 - 3243.[NEWLINE][BOUNDARY][NEWLINE]user: ok i also want contact information for non-ED loans[NEWLINE]agent: Do you have FFEL Program loans that are not owned by ED?[NEWLINE]user: no[NEWLINE]agent: Not sure who your administrator is?[NEWLINE]user: if i'm not sure[NEWLINE]agent: in that caseFind the most recent communication from the entity that sends you invoices for your loan payments.[NEWLINE][BOUNDARY][NEWLINE]user: and should I ask for help from another company?


user: Hello, I would like to know Who is my student loan administrator?[NEWLINE]agent: It is important to first know the role that student loan administrators play in the repayment process and which administrator handles your federal student loans.[NEWLINE][BOUNDARY][NEWLINE]user: What should I do when I receive the welcome letter from my new administrator?[NEWLINE]agent: You must do the following, do you want to know?[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: And specifically, what do loan managers do?[NEWLINE]agent: A loan servicer is a company we assign to handle billing and other services on your federal student loan on our behalf, at no cost to you.[NEWLINE]agent: And do you know what happens if your circumstances change at any time during your refund period?[NEWLINE]user: if i wanted to know[NEWLINE]agent: in that case your loan manager will be able to help you.[NEWLINE]user: And what else can my administrator help me with?


user: Hello, I came here to learn more about my student loan servicer.[NEWLINE]agent: Then you're in the right place. Here you can learn about the role that student loan servicers play in the repayment process and which servicer handles your federal student loans.[NEWLINE][BOUNDARY][NEWLINE]user: If I contact you, can you tell my loan status?[NEWLINE]agent: Yes, we can tell you your loan status.[NEWLINE]user: Can I also ask you about my bill?[NEWLINE]agent: Yes, you can ask us about your bill.[NEWLINE][BOUNDARY][NEWLINE]user: Is there a way to identify my servicer, too?[NEWLINE]agent: Yes. We have a list of loan servicers for loans that the U.S Department of Education ED owns.[NEWLINE]agent: Do you want to find out who your loan servicer is?[NEWLINE]user: Yes, exactly.[NEWLINE]agent: In that case you can call the Federal Student Aid Information Center FSAIC at 1 - 800 - 433 - 3243.[NEWLINE][BOUNDARY][NEWLINE]user: What if I have loans from the HEAL program, in default?


user: Hello, I would like to know Who is my student loan administrator?[NEWLINE]agent: Of course, we can also help you learn about the role student loan administrators play in the repayment process and which administrator handles your federal student loans.[NEWLINE][BOUNDARY][NEWLINE]user: Who should I contact for information on loans?[NEWLINE]agent: Is your loan for the current or next school year?[NEWLINE]user: yes for the current school year[NEWLINE]agent: In that case contact your school's financial aid office directly for information on[NEWLINE][BOUNDARY][NEWLINE]user: Another question, these days a private company contacted me to ask me to pay the registration fees, is that normal?[NEWLINE]agent: in that case it is not us, you must withdraw it is a scam.[NEWLINE][BOUNDARY][NEWLINE]user: ok thanks for the warning, I'll keep that in mind. something else I would like to have more understanding of loan transfers, could you help me?[NEWLINE]agent: Of course In some cases, we need to transfer loans from one administrator to another administrator.[NEWLINE]user: and can they transfer it to other administrators?


user: What can I learn about my student loan servicer?[NEWLINE]agent: You can learn about the student loan servicers and what role they play in the repayment process.[NEWLINE][BOUNDARY][NEWLINE]user: What will happen if my loan is transferred to another loan servicer?[NEWLINE]agent: You should receive an email or letter from your assigned servicer to tell you about the transfer.[NEWLINE][BOUNDARY][NEWLINE]user: What if I have FFEL Program loans that are not owned by ED?[NEWLINE]agent: Then you would need to contact your servicer for details about repayment options and tools.[NEWLINE][BOUNDARY][NEWLINE]user: What if my federal student loan was transferred from one servicer to a different one?[NEWLINE]agent: The transfer just means that a new servicer will provide the support you need to repay your loans; but is still owned by ED.[NEWLINE][BOUNDARY][NEWLINE]user: What if I have FFEL Program loans not owned by ED and need to contact them?[NEWLINE]agent: Do you need to contact your FFEL Program loans not owned by ED servicer?[NEWLINE]user: Yes, I do need to contact them about details.


user: hi[NEWLINE]agent: For that kind of matters, you can use our information tools to determine which servicer handles your student loans.[NEWLINE][BOUNDARY][NEWLINE]user: O.k, but what if my student loans are from a servicer which is not with the Department of Education?[NEWLINE]agent: For those kind of loans, you'll have to contact the servicer itself to get any details about it and any other data related to repayment options and tools.[NEWLINE][BOUNDARY][NEWLINE]user: Oh, i see. Well, i suppose that's what will be done. Hey, Can you explain to me what a servicer can do?[NEWLINE]agent: Sure. As you probably know already, they are related to loans management, so in a formal way, they are companies that we assign to handle the billing and other services on your federal student loan on our behalf. That service is done without any cost for you.[NEWLINE]agent: Just for checking, Have your current loan conditions changed lately?[NEWLINE]user: You know what?, I fact, they have change, yeah.[NEWLINE]agent: Understood. In that case, you'll find that your loan servicer will be a great help to you.[NEWLINE][BOUNDARY][NEWLINE]user: Well, I hope that be true, honest. So, going back a little, Can't you help me to know who's my servicer then?[NEWLINE]agent: Not if your loan isn't owned by ED. But, if happens that you have a loan owned by the Department of Education, then you can make use of the following number for the Federal Student Aid Information Center: 1-800-433-3243-[NEWLINE][BOUNDARY][NEWLINE]user: O.K., got it. I can be handy, i guess. Look, I'm not saying it's my case, but what can I do if lets say, I'm still going to classes and got this disbursed loan?


user: Hi, I need to know who my loan manager is, please.[NEWLINE]agent: This loan servicer is intended to manage your federal student loans[NEWLINE][BOUNDARY][NEWLINE]user: What requirements should be managed for non-ED loans?[NEWLINE]agent: FFEL Program loans are unrelated to others[NEWLINE]user: The FFEL Program loan is linked to ED[NEWLINE]agent: Your administrator must have all this information at hand[NEWLINE][BOUNDARY][NEWLINE]user: Those loans is for this or the other year?[NEWLINE]agent: Your school's financial aid office must have that information[NEWLINE][BOUNDARY][NEWLINE]user: Can the school be the entity that administers my loans?[NEWLINE]agent: Yes of course, contact that one among them they have the information[NEWLINE][BOUNDARY][NEWLINE]user: Do I have to pay federal student loan assistance?


user: Hello, i'm about to start my loan repayment and was told about some counseling, Would you help me there, please?[NEWLINE]agent: O.k, lets check. You probably mean Exit Counseling. Are you familiarized with that figure?[NEWLINE]user: No, i'm afraid not.[NEWLINE][BOUNDARY][NEWLINE]agent: O.K. Do you even know if you are eligible to that option?[NEWLINE]user: Ah, yeah, yeah. That i read about it. I think it has to do with folks that have taken loans or something, right?[NEWLINE]agent: Well, yeah, kinda. It is meant for those students who have received a loan, under the subsidized, unsubsidized or plus options, but have graduated or leave school.[NEWLINE][BOUNDARY][NEWLINE]user: Yeah, see? I told you i knew something. Anyway, what would i need to get that counseling thing?[NEWLINE]agent: Is quite simple, really. All you need is to have your verified Federal Student Aid ID.[NEWLINE]user: Oh, really?. And that would be all you'll ask? Then what?[NEWLINE]agent: Then, you can go through all the proper process to to the Exit Counseling, no more or less.[NEWLINE][BOUNDARY][NEWLINE]user: So, sorry, but i wasn't paying too much attention. For which circumstances is this counseling valid?


user: Hello, how you doing? Please i need some guidance about the exit counseling option, because i'm on a Federal Loan program.[NEWLINE]agent: Greetings. Lets see. Do you know anything about Exit Couseling?[NEWLINE]user: No, sorry, but i don't too much of it.[NEWLINE][BOUNDARY][NEWLINE]agent: But you are aware about who are supposed to go through it?[NEWLINE]user: Oh yeah, I was told that it goes for those who have a federal loan but has some kind of specifics conditions, is that right?[NEWLINE]agent: You're not mistaken. Effectively, Exit Counseling is reserved for those students who want to prepare themselves for repaying their loans, being these from federal programs. In any case, you must go through counseling each time you drop below half-time enrollment, you graduate or you leave the school.[NEWLINE][BOUNDARY][NEWLINE]user: Oh, i see. It seems wider that i thought. This counseling takes too long to do it?[NEWLINE]agent: Not at all.  It is a very simple process. Most people just need about 20 or 30 minutes to successfully complete the counseling session.[NEWLINE][BOUNDARY][NEWLINE]user: Wow, not much time. I like that. So, what kind of documentation do i need to gather for counseling?[NEWLINE]agent: Not much as you think. Only necessary document you'll need is your FSA ID.[NEWLINE][BOUNDARY][NEWLINE]user: Really? That's wonderful. So, just checking, this option is mainly for preparation for repay loans, isn't?


user: What exactly is Exit Counseling?[NEWLINE]agent: Has someone explained to you what Exit Counseling is pertaining to your federal student loan?[NEWLINE]user: No one has explained to me what Exit Counseling is?[NEWLINE][BOUNDARY][NEWLINE]agent: Do you know that you are supposed to complete Exit Counseling because you have received a subsidized, unsubsidized or PLUS loan under the Direct Loan Program?[NEWLINE]user: No, I was never told about Exit Counseling and that I should complete it.[NEWLINE][BOUNDARY][NEWLINE]agent: Do you know how long it would take for the entire Exit Counseling session?[NEWLINE]user: No, I do not know how long the session would take.[NEWLINE][BOUNDARY][NEWLINE]agent: Do you know what you need to complete the session?[NEWLINE]user: Yes, I know I need my Verified FSA ID.[NEWLINE]agent: Yes, you are correct that you need a Verified FSA ID.[NEWLINE][BOUNDARY][NEWLINE]user: Who should complete the Exit Counseling?


user: need exit counseling info[NEWLINE]agent: Would you like to know more about Exit Counseling?[NEWLINE]user: yes please[NEWLINE]agent: Exit counseling provides information to prepare you to repay your federal student loan.[NEWLINE]user: Do I need the counseling for any loan?[NEWLINE]agent: If you have received a subsidized, unsubsidized or PLUS loan under the Direct Loan Program or the FFEL Program, you must complete exit counseling when certain events occur.[NEWLINE][BOUNDARY][NEWLINE]user: will I need to do it?[NEWLINE]agent: If you have received a subsidized, unsubsidized or PLUS loan under the Direct Loan Program or the FFEL Program, you must complete exit counseling each time you drop below half-time enrollment, graduate, or leave school.[NEWLINE][BOUNDARY][NEWLINE]user: how much time does this take up?[NEWLINE]agent: You must complete the process in a single session that lasts around 20-30 minutes.[NEWLINE][BOUNDARY][NEWLINE]user: what will I need to bring with me?


user: Can you please tell me about exit counseling?[NEWLINE]agent: Are you preparing to repay a federal student loan?[NEWLINE]user: I am indeed preparing to pay off my loan.[NEWLINE]agent: Exit counseling provides important information to prepare you to repay your federal student loan.[NEWLINE]agent: Have you received a subsidized, unsubsidized or PLUS loan under the Direct Loan Program or the FFEL Program?[NEWLINE]user: Yes, I have.[NEWLINE]agent: If you have received a subsidized, unsubsidized or PLUS loan under the Direct Loan Program or the FFEL Program you must complete the exit counseling.[NEWLINE][BOUNDARY][NEWLINE]user: How long does the counseling process take?[NEWLINE]agent: The entire counseling process must be completed in a single session and most people complete it in twenty to thirty minutes.[NEWLINE][BOUNDARY][NEWLINE]user: Do I need anything with me in order to complete the counseling?[NEWLINE]agent: You will need your verified FSA ID.[NEWLINE][BOUNDARY][NEWLINE]user: Who should complete this exit counseling?


user: I've heard about exit counseling and I came here wanting to know what exactly that is and how it works. Can you please tell me more about it?[NEWLINE]agent: Of course. Are you wondering what exit counseling is?[NEWLINE]user: Yes, like I mentioned above.[NEWLINE]agent: Well, exit counseling provides important information to prepare you to repay your federal student loan.[NEWLINE]user: What if I have received a PLUS loan under the Direct Loan Program?[NEWLINE]agent: In that case you must complete exit counseling each time you drop below half-time enrollment, graduate or leave the school.[NEWLINE]user: Wait, 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: Why do I need exit counseling when dealing with federal student aid?[NEWLINE]agent: Do you know what Exit Counseling is?[NEWLINE]user: Actually, I do not know exactly what it is.[NEWLINE][BOUNDARY][NEWLINE]agent: Do you know who should complete the exit counseling?[NEWLINE]user: Yes, I know I am supposed to complete it but not why.[NEWLINE]agent: It is a step required for students who leave school, graduate, or fall below half-time student for PLUS loan, subsidized or unsubsidized loan under the Direct Loan Program or the FFEL Program.[NEWLINE][BOUNDARY][NEWLINE]user: What information does exit counseling provide?[NEWLINE]agent: Exit counseling gives important information that helps you prepare to repay your federal student loan.[NEWLINE]user: How do I complete exit counseling online?[NEWLINE]agent: You would look under Complete Exit Counseling and then log in to start.[NEWLINE]user: What if I leave school do I need exit counseling?


user: exit counseling info[NEWLINE]agent: Did you want to know what Exit Counseling is?[NEWLINE]user: yes[NEWLINE]agent: Exit counseling provides important information to prepare you to repay your federal student loan[NEWLINE]agent: Have you received a subsidized, unsubsidized or PLUS loan under the Direct Loan Program or the FFEL Program?[NEWLINE]user: no, just wanted to be prepared[NEWLINE][BOUNDARY][NEWLINE]user: what will I need to have to do this counseling?[NEWLINE]agent: You will need a verified FSA ID[NEWLINE][BOUNDARY][NEWLINE]user: who needs to complete the 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: will I need this if I drop out without finishing or I transfer?


user: I need some information about the Graduated Repayment Plan.[NEWLINE]agent: I can assist you with that. The Graduated Repayment Plan allows you to start your loan with smaller payments that will increase every two years. You will make these payments for up to 10 years, depending on the amount of your loan.[NEWLINE]agent: Are you considered low income right now, but expect your income to increase over time?[NEWLINE]user: No, I'm not considered low income.[NEWLINE][BOUNDARY][NEWLINE]user: Do the payments differ for someone with a direct consolidation loan?[NEWLINE]agent: Yes. The length of your repayment period will depend on the amount of your total education loan debt.[NEWLINE][BOUNDARY][NEWLINE]user: What is the Loan Simulator?[NEWLINE]agent: The loan simulator allows you to get an estimate of your payment amount. Be aware that this is just an estimate and you should contact your loan servicer to figure out the best loan repayment plan for you.[NEWLINE][BOUNDARY][NEWLINE]user: What type of loans are eligible for the Graduated Repayment Plan?[NEWLINE]agent: Loans taken under the William D. Ford Federal Direct Loan Program and the Federal Family Education Loan Program are eligible for this plan.[NEWLINE]user: Where can I find more information on eligible federal loans?


user: I heard about a repayment plan which isn't all at once and would like information.[NEWLINE]agent: Yes the Graduated Repayment Plan starts with lower payments that increase every two years, and payments are made for up to 10 years between 10 and 30 years for consolidation loans.[NEWLINE]agent: Are you in a low paying job?[NEWLINE]user: Yes and I was worried about being hampered by huge debt repayment.[NEWLINE]agent: Well if your income is low now but you expect it to increase steadily over time, this plan may be right for you.[NEWLINE][BOUNDARY][NEWLINE]user: Are all Federal Student Aid eligible for this graduated repayment?[NEWLINE]agent: A list of loans from the William D. Ford Federal Direct Loan Program and the Federal Family Education Loan FFEL Program which are eligible for the Graduated Repayment Plan can be found here.[NEWLINE]user: Does the list include the Direct Subsidized Loans?[NEWLINE]agent: Yes it is eligible.[NEWLINE][BOUNDARY][NEWLINE]user: How often must I make a payment my loan?[NEWLINE]agent: You must make monthly payments.[NEWLINE][BOUNDARY][NEWLINE]user: Are there criteria for the amount that I must pay?


user: Hello, I would like to obtain information about The Graduate Payment Plan[NEWLINE]agent: Payments are made for up to 10 years between 10 and 30 years for consolidation loans.[NEWLINE]agent: Are your income low now?[NEWLINE]user: yes[NEWLINE]agent: If your income is low now, but you expect it to increase steadily over time, this plan may be right for you.[NEWLINE][BOUNDARY][NEWLINE]user: What type of loans can I be eligible for?[NEWLINE]agent: The following loans from the William D. Ford Federal Direct Loan Direct Program and the FFEL Federal Family Education Loan Program are eligible for the Graduated Repayment Plan:[NEWLINE]user: What type of loans can I be eligible for?[NEWLINE]agent: The following loans from the William D. Ford Federal Direct Loan Direct Program and the FFEL Federal Family Education Loan Program are eligible for the Graduated Repayment Plan:[NEWLINE]user: What programs are eligible for the Graduate Payment Plan?[NEWLINE]agent: William D. Ford Federal Direct Loan Direct Program and Federal Family Education Loan Program FFEL[NEWLINE][BOUNDARY][NEWLINE]user: And what about the monthly payments for consolidation loans?


user: Hello, I would like to know what the Graduate Payment Plan is like[NEWLINE]agent: Of course Payments are made for up to 10 years between 10 and 30 years for consolidation loans[NEWLINE]agent: Your income is low now, but do you expect it to increase steadily over time?[NEWLINE]user: no[NEWLINE][BOUNDARY][NEWLINE]user: and how are the monthly payments in this plan?[NEWLINE]agent: Under this plan, your monthly payments start low and increase every two years[NEWLINE]user: And how is the monthly payments for consolidation loans?[NEWLINE]agent: your payments are monthly[NEWLINE]user: What if I have a direct consolidation loan?[NEWLINE]agent: If you have a Direct Consolidation Loan or an FFEL Consolidation Loan, the length of your repayment period will depend on the total amount of your education loan debt.] This total education loan debt includes the amount of your consolidation loan and your other student loan debt....[NEWLINE]user: What if I have other loan debts?


user: I need some information about the Graduated Repayment Plan.[NEWLINE]agent: Allow me to assist you with that. Under the Graduated Repayment Plan, payments start low and increase every two years. These payments will be made for up to 10 years.[NEWLINE]agent: Are you considered low income, but expect your income to increase over time?[NEWLINE]user: Yes. I'll be making more money later on.[NEWLINE]agent: Great. This plan could be right for you.[NEWLINE][BOUNDARY][NEWLINE]user: Are FFEL Consolidation Loans eligible for this plan?[NEWLINE]agent: Yes, they are.[NEWLINE]user: What other loans are eligible?[NEWLINE]agent: Most loans from the William D. Ford Federal Direct Loan Program and the FFEL Program are eligible for this plan.[NEWLINE][BOUNDARY][NEWLINE]user: Can I use the loan simulator to estimate my payments under the Graduated Repayment Plan?[NEWLINE]agent: Absolutely. We recommend that you use our loan simulator before you contact your loan servicer.[NEWLINE][BOUNDARY][NEWLINE]user: How will my payments differ with a FFEL Consolidation Loan?


user: Please, tell me about the Graduated Repayment Plan[NEWLINE]agent: Sure. Payments are made for up to 10 years between 10 and 30 years for consolidation loans[NEWLINE]agent: Do you hope to constantly increase your income over time?[NEWLINE]user: Yes, I hope that[NEWLINE]agent: Ok, check this plan, maybe is good for you[NEWLINE][BOUNDARY][NEWLINE]user: What loans are eligible for the Graduated Repayment Plan?[NEWLINE]agent: Check the list below[NEWLINE][BOUNDARY][NEWLINE]user: Can you tell me about monthly payments for Federal Education Loans except Consolidation Loans?[NEWLINE]agent: Null[NEWLINE][BOUNDARY][NEWLINE]user: How can I include other student loan debts in determining the repayment period of my Direct Consolidation Loan?[NEWLINE]agent: You need to be sure to list those loans on your consolidation application in the section for listing loans that you do not want to consolidate, but want considered in the determination of your repayment period[NEWLINE][BOUNDARY][NEWLINE]user: How can I use the Loan Simulator to Estimate my Eligibility and Payment Amount Under the Graduated Repayment Plan?


user: I heard my payments on a graduated repayment plan will go higher so I wanted to know when that will happen[NEWLINE]agent: Payments will increase every two years[NEWLINE]agent: Do you expect your income to increase steadily over time?[NEWLINE]user: no, not the way things are in the economy today[NEWLINE][BOUNDARY][NEWLINE]user: how much can the payments increase?[NEWLINE]agent: They won't be more than three times greater than any other payment[NEWLINE][BOUNDARY][NEWLINE]user: is this true for the unsubsidized stafford loan?[NEWLINE]agent: Yes, Unsubsidized Federal Stafford Loans are eligible for the Graduated Repayment Plan[NEWLINE][BOUNDARY][NEWLINE]user: how long will I have to make payments?[NEWLINE]agent: Monthly payments are made for up to 10 years for all loan types except Direct Consolidation Loans and FFEL Consolidation Loans[NEWLINE][BOUNDARY][NEWLINE]user: would a direct unsubsidized loan also be eligible for this repayment plan?


user: I need some info about the graduated repayment plan[NEWLINE]agent: Sure. In this plan, payments are made for up to 10 years between 10 and 30 years for consolidation loans.[NEWLINE]user: What if my income is very low now?[NEWLINE]agent: Don't worry, this plan is good for you[NEWLINE][BOUNDARY][NEWLINE]user: Can you tell me about the monthly payments for consolidation loans?[NEWLINE]agent: Null[NEWLINE]agent: Do you have a Direct Consolidation Loan or FFEL Consolidation Loan?[NEWLINE]user: Yes, that's right[NEWLINE]agent: Then the length of your repayment period will depend on the amount of your total education loan indebtedness. This total education loan debt includes the amount of your consolidation loan and your other student loan debt.[NEWLINE]user: Can I  include other student loan debt in the determination of the repayment period for my Direct Consolidation Loan?[NEWLINE]agent: Yes, you can. Be sure to include those loans in your consolidation application in the section to list the loans that you do not want to consolidate, but that you want to consider in determining your repayment period.[NEWLINE][BOUNDARY][NEWLINE]user: How to use a loan simulator to estimate my eligibility and payment amount?


user: Hello, I would like you to help me choose the direct loan MPN[NEWLINE]agent: are you an undergraduate student?[NEWLINE]user: yes[NEWLINE]agent: in that case Use this MPN for Direct Subsidized Loans or Unsubsidized Direct Loans available to eligible undergraduate students.[NEWLINE][BOUNDARY][NEWLINE]user: okay. and after logging in what should I do?[NEWLINE]agent: you must click on View demo[NEWLINE][BOUNDARY][NEWLINE]user: okay. And could you tell me what a Master Note (MPN) is?[NEWLINE]agent: The Master Promissory Note MPN is a legal document that promises to pay your loan and accrued interest and fees to the US Department of Education.[NEWLINE][BOUNDARY][NEWLINE]user: and is there something for parents of college students?[NEWLINE]agent: Of course Use this MPN for direct PLUS loans available to eligible parents of eligible dependent undergraduate students.[NEWLINE][BOUNDARY][NEWLINE]user: and can i receive more than one loan?


user: Where do I get started to learn more about the loan master promissory note[NEWLINE]agent: Are you an undergraduate student?[NEWLINE]user: yes[NEWLINE]agent: You would select the option for MPN for Direct Subsidized Loans or Direct Unsubsidized Loans available to eligible undergraduate students[NEWLINE]user: what kind of info will it have?[NEWLINE]agent: You can view a demonstration to help you out[NEWLINE][BOUNDARY][NEWLINE]user: will I also get more info with my promissory note?[NEWLINE]agent: Yes, it explains the terms and conditions of your loan[NEWLINE][BOUNDARY][NEWLINE]user: where can I log in and do more?[NEWLINE]agent: I can give you a link so you can Log In[NEWLINE][BOUNDARY][NEWLINE]user: what's the use of the promissory note?


user: Hello, I would like you to help me choose the direct loan MPN[NEWLINE]agent: are you an undergraduate student?[NEWLINE]user: no[NEWLINE][BOUNDARY][NEWLINE]agent: Are you a graduate / professional student?[NEWLINE]user: yes[NEWLINE]agent: Find and use the MPN you need as a graduate or professional degree student to obtain federal student loans. Graduate / professional students may be eligible for unsubsidized direct loans, direct PLUS loans, or both. You must complete an MPN for each type of loan you want to receive.[NEWLINE][BOUNDARY][NEWLINE]user: Can you tell me what a Master Note is?[NEWLINE]agent: The Master Promissory Note MPN is a legal document that promises to pay your loan and accrued interest and fees to the US Department of Education.[NEWLINE][BOUNDARY][NEWLINE]user: And what about the parents of a university student?[NEWLINE]agent: Use this MPN for direct PLUS loans available to eligible parents of eligible dependent undergraduate students.[NEWLINE][BOUNDARY][NEWLINE]user: and can i receive more than one loan?


user: hello could you help me choose the direct loan MPN[NEWLINE]agent: Of course are you an undergraduate student?[NEWLINE]user: yes[NEWLINE]agent: in that case Use this MPN for Direct Subsidized Loans or Unsubsidized Direct Loans available to eligible undergraduate students.[NEWLINE]user: and what should I do after logging in?[NEWLINE]agent: after starting the section you must go to the section See demo[NEWLINE][BOUNDARY][NEWLINE]user: okay. Could you also tell me what a master promissory note is?[NEWLINE]agent: Of course The Master Promissory Note MPN is a legal document that promises to pay your loan and accrued interest and fees to the US Department of Education.[NEWLINE][BOUNDARY][NEWLINE]user: What if I'm a graduate student already?[NEWLINE]agent: Find and use the MPN you need as a graduate or professional degree student to obtain federal student loans. Graduate / professional students may be eligible for unsubsidized direct loans, direct PLUS loans, or both. You must complete an MPN for each type of loan you want to receive.[NEWLINE]user: where can i find more information?


user: hello could you help me to choose the MPN of direct loan that I want to obtain[NEWLINE]agent: are you an undergraduate student?[NEWLINE]user: yes[NEWLINE]agent: In that case Use this MPN for Direct Subsidized Loans or Unsubsidized Direct Loans available to eligible undergraduate students.[NEWLINE][BOUNDARY][NEWLINE]user: ok and could you tell me what a Master Note is?[NEWLINE]agent: Of course The Master Promissory Note MPN is a legal document that promises to pay your loan and accrued interest and fees to the US Department of Education.[NEWLINE][BOUNDARY][NEWLINE]user: Where can I see more information on the page?[NEWLINE]agent: click on View demo there will have more information[NEWLINE][BOUNDARY][NEWLINE]user: and is that MPN legal?[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 what does that document do?


user: hello could you help me to choose the MPN of direct loan that I want to obtain[NEWLINE]agent: are you an undergraduate student?[NEWLINE]user: no[NEWLINE][BOUNDARY][NEWLINE]agent: a graduate / professional student?[NEWLINE]user: no[NEWLINE][BOUNDARY][NEWLINE]agent: father of a college student?[NEWLINE]user: yes[NEWLINE]agent: Use this MPN for direct PLUS loans available to eligible parents of eligible dependent undergraduate students.[NEWLINE][BOUNDARY][NEWLINE]user: okay. and could you tell me what a Master Note is?[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 is this document legal?


user: Hello, could you help me choose the direct loan MPN that I want to obtain?[NEWLINE]agent: are you an undergraduate student?[NEWLINE]user: yes[NEWLINE]agent: In that case Use this MPN for Direct Subsidized Loans or Unsubsidized Direct Loans available to eligible undergraduate students.[NEWLINE]user: ok and what else do you recommend me right now?[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: How do I choose the correct Direct Loan MPN within the FSA application process?[NEWLINE]agent: Are you currently an undergraduate student?[NEWLINE]user: Yes I am[NEWLINE]agent: You then use this particular MPN for Direct Subsidized Loans or Direct Unsubsidized Loans which are available to eligible undergraduate students[NEWLINE][BOUNDARY][NEWLINE]user: What if I am a Graduate or a Professional Student?[NEWLINE]agent: You then need to locate the correct MPN which will allow you to borrow federal student loans. This category of student can be eligible for Direct Unsubsidized Loans, Direct PLUS Loans or both. An MPN is needed for each loan type that you intend to avail of[NEWLINE][BOUNDARY][NEWLINE]user: What is a Master Promissory Note (MPN)?[NEWLINE]agent: The MPN is a legal document which outlines that you promise to repay your loan and any interest and fees to the US Department of Education[NEWLINE][BOUNDARY][NEWLINE]user: What if I am a parent of an undergraduate student, does this make any difference to the MPN process?[NEWLINE]agent: In this situation, you use the PLUS MPN for Direct PLUS Loans which are available to parents of undergraduate students[NEWLINE][BOUNDARY][NEWLINE]user: What is contained within an MPN when applying for federal student aid?


user: hi could you help me How to correct or update your FAFSA application[NEWLINE]agent: Of course Learn what types of fixes and updates you can make and how to make them[NEWLINE][BOUNDARY][NEWLINE]user: And what kind of changes can I make to my FAFSA form once it has been processed?[NEWLINE][BOUNDARY][NEWLINE]agent: did you make any mistake?[NEWLINE]user: yes[NEWLINE]agent: did you make a mistake in what you reported on the FAFSA?[NEWLINE]user: well in that not[NEWLINE][BOUNDARY][NEWLINE]user: and can the information I gave be changed?[NEWLINE]agent: There are only a few cases where you will want or need to change the information you reported.[NEWLINE][BOUNDARY][NEWLINE]user: and I can update if my situation has changed?


user: can you tell me how to update FAFSA[NEWLINE]agent: Of course, review how it works FAFSA[NEWLINE][BOUNDARY][NEWLINE]user: KNOW THE OPERATION OF FAFSA, NOW HOW I DO THE UPDATE[NEWLINE][BOUNDARY][NEWLINE]agent: Perfect, before updating check the corresponding corrections[NEWLINE]user: Okay, I will start making the respective corrections[NEWLINE]agent: watch for the information you put on the form[NEWLINE]user: I am making the respective corrections[NEWLINE][BOUNDARY][NEWLINE]user: Check if you have any information supplied with errors[NEWLINE]agent: Check your SSN and correct if you have errors[NEWLINE][BOUNDARY][NEWLINE]user: I am adding an eleventh school to correct the error


user: hi can you help update my FAFSA application[NEWLINE]agent: Of course we can give you information so that you learn what types of corrections and updates you can do and how to do them.[NEWLINE][BOUNDARY][NEWLINE]agent: Want to know what changes you can make to your FAFSA once it has been processed?[NEWLINE]user: no thanks[NEWLINE][BOUNDARY][NEWLINE]agent: Do you want to know how to make changes to your FAFSA?[NEWLINE]user: no thanks[NEWLINE][BOUNDARY][NEWLINE]user: Is it possible to change the information later?[NEWLINE]agent: There are some cases in which you will want or need to change the information you reported.[NEWLINE][BOUNDARY][NEWLINE]user: If the number of family members changes as a result of a change in my marital status, what should I do?[NEWLINE]agent: in that case you should speak to the financial aid office of the school you plan to attend to determine if you can update the FAFSA form[NEWLINE][BOUNDARY][NEWLINE]user: What if you made a mistake in what you reported on the FAFSA?


user: hi could you help me update my FAFSA application[NEWLINE]agent: Of course, we can help you learn what types of corrections and updates you can do and how to do them.[NEWLINE][BOUNDARY][NEWLINE]user: ok and what kind of changes can I make to my FAFSA form once it has been processed?[NEWLINE][BOUNDARY][NEWLINE]agent: did you make a mistake on the form?[NEWLINE]user: no[NEWLINE][BOUNDARY][NEWLINE]agent: did you fill out a FAFSA using an incorrect social security number (SSN)?[NEWLINE]user: no[NEWLINE][BOUNDARY][NEWLINE]agent: Has your situation changed?[NEWLINE]user: no[NEWLINE][BOUNDARY][NEWLINE]agent: do you want to add or remove a school?


user: Hello, I would like to know How do I make changes to my FAFSA form?[NEWLINE]agent: You can make changes in one of the following ways[NEWLINE]agent: Did you file an amended 1040X return?[NEWLINE]user: yes[NEWLINE]agent: Contact your school's financial aid office to discuss whether it would be appropriate for the school to adjust the information on your FAFSA.[NEWLINE][BOUNDARY][NEWLINE]user: and what items should i update?[NEWLINE]agent: You must update anything that changes your dependency status, for example, you are now pregnant or under legal guardianship, except for a change in your marital status[NEWLINE]user: that is to say that if I am pregnant I must also update[NEWLINE]agent: is correct You must update anything that changes your dependency status, for example now you are pregnant[NEWLINE][BOUNDARY][NEWLINE]user: And what are the questions on the form for?[NEWLINE]agent: Most of the questions on the FAFSA form want to know your situation from the day you sign the application.[NEWLINE][BOUNDARY][NEWLINE]user: and what method do you recommend?


user: I need help with making updates to my FAFSA application.[NEWLINE]agent: I can help you understand what types of corrections and updates you can make and how to make them.[NEWLINE][BOUNDARY][NEWLINE]user: That would be great. Can I make any changes to my FAFSA application once it's been processed?[NEWLINE][BOUNDARY][NEWLINE]agent: Did you make a mistake that needs to be corrected on your FAFSA form?[NEWLINE]user: No. I don't think so.[NEWLINE][BOUNDARY][NEWLINE]agent: Did you happen to file out your FAFSA form using an incorrect SSN?[NEWLINE]user: No. My social security number was correct.[NEWLINE][BOUNDARY][NEWLINE]agent: Do you need to make updates, because there have been changes to your current situation?[NEWLINE]user: Yes. I need to change my contact information.[NEWLINE]agent: Most of the information on your FAFSA form cannot be changed, because it must be accurate as of the day you originally signed it.[NEWLINE]agent: Have you spent any of your savings since filing your FAFSA form?[NEWLINE]user: Yes. I have.


user: hi could you help me how to update my FAFSA application[NEWLINE]agent: Of course, we can help you learn what types of corrections and updates you can do and how to do them.[NEWLINE][BOUNDARY][NEWLINE]user: What kind of changes can I make to my FAFSA form once it has been processed[NEWLINE][BOUNDARY][NEWLINE]agent: did you make a mistake on the form?[NEWLINE]user: yes[NEWLINE]agent: did you make a mistake in what you reported on the FAFSA?[NEWLINE]user: no[NEWLINE][BOUNDARY][NEWLINE]user: And what are the questions on the form for?[NEWLINE]agent: Most of the questions on the FAFSA form want to know your situation from the day you sign the application.[NEWLINE][BOUNDARY][NEWLINE]user: And what do I do when I enter the page?


user: can you help me make a correction on my fafsa application?[NEWLINE]agent: We can help you with what types of corrections and updates you can make and how to make them.[NEWLINE][BOUNDARY][NEWLINE]user: what can I change if you already accepted my application?[NEWLINE][BOUNDARY][NEWLINE]agent: Did you make a mistake on the FAFSA form?[NEWLINE]user: no, I want to update some numbers I put on it[NEWLINE][BOUNDARY][NEWLINE]agent: Did you file a FAFSA form using an incorrect social security number?[NEWLINE]user: no, that was correct[NEWLINE][BOUNDARY][NEWLINE]agent: Did you want to update information for a situation that has changed?[NEWLINE]user: yes, I have updated information[NEWLINE]agent: Most information can not be updated because it must be accurate as of the day you originally signed your FAFSA form.[NEWLINE]user: so I can't update my new savings amount?


user: hi can you give me information about the downloadable paid employment spreadsheet[NEWLINE]agent: The 2011 Downloadable Paid Employment Worksheet provides the public with information about educational programs that prepare students for paid employment in a GE recognized occupation program. In accordance with regulations effective July 1, 2012, the United States Department of Education calculates metrics for GE Programs each year.[NEWLINE]agent: Have you already seen the publication of the informative rates?[NEWLINE]user: yes[NEWLINE]agent: the Department determined that the published Title IV Medium Loan amount reflected the student debt information for the most recent loan year, but did not include debt information for prior years[NEWLINE]user: Why do the 2011 rates not allow 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: What do these metrics include?[NEWLINE]agent: These metrics include a repayment rate, two debt-to-earnings ratios, and three median student loans.[NEWLINE]user: What do you recommend for downloads?[NEWLINE]agent: I recommend the downloadable spreadsheet[NEWLINE]user: And what happens if the programs do not comply with the measures?


user: Hello, I would like to obtain Information about the downloadable paid employment spreadsheet[NEWLINE]agent: The 2011 Downloadable Paid Employment Spreadsheet provides the public with information on educational programs that prepare students for paid employment in a GE recognized occupation program. In accordance with regulations effective July 1, 2012, the United States Department of Education calculates metrics for GE Programs each year.[NEWLINE]agent: Have you already seen the publication of the informative rates?[NEWLINE]user: no[NEWLINE]user: Since when was the new metric calculation of the programs implemented?[NEWLINE]agent: In accordance with regulations effective July 1, 2012, the United States Department of Education calculates metrics for GE Programs each year.[NEWLINE]user: Why do information rates not allow assumptions to be made?[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: Hello, I would like to obtain Information about the downloadable paid employment spreadsheet[NEWLINE]agent: The 2011 Downloadable Paid Employment Worksheet provides the public with information about educational programs that prepare students for paid employment in a GE recognized occupation program. In accordance with regulations effective July 1, 2012, the United States Department of Education calculates metrics for GE Programs each year.[NEWLINE]agent: Have you already seen the publication of the informative rates?[NEWLINE]user: yes[NEWLINE]agent: The Department determined that the published Title IV Medium Loan amount reflected student debt information for the most recent loan year, but did not include debt information for prior years.[NEWLINE]user: why can't reporting rates form a basis for making 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: What if the program had less than 30 students?[NEWLINE]agent: The 2011 GE reporting rates were not calculated for a GE program if the program had 30 or fewer alumni in the relevant two-year period.[NEWLINE]user: and with these informative rates can be projections on the rates of future years?[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: The information of the rate with which intention was produced?


user: hi i need the paid employment spreadsheet[NEWLINE]agent: The spreadsheet provides the public with information on educational programs among other things[NEWLINE]agent: In addition to publishing the informative rates.[NEWLINE]user: At what time do they publish the informative rates?[NEWLINE]user: I need to know when programs fail to meet debt measures they must provide debt warnings and may lose eligibility after failing three of four consecutive years.[NEWLINE]agent: These informative rates were prepared before the years when programs that did not meet debt measures.[NEWLINE]user: 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: Hello, I would like to obtain Information about the downloadable paid employment spreadsheet[NEWLINE]agent: The 2011 Downloadable Paid Employment Worksheet provides the public with information about educational programs that prepare students for paid employment in a GE recognized occupation program.[NEWLINE]agent: Have you already seen the informational fee publications?[NEWLINE]user: no[NEWLINE]user: What is The W column for?[NEWLINE]agent:  La columna W refleja la deuda crediticia mediana a un año.[NEWLINE]user: when did the new regulations go into effect?[NEWLINE]agent: In accordance with regulations effective July 1, 2012, the United States Department of Education calculates metrics for GE Programs each year.[NEWLINE]agent: and do you know the reasons why assumptions cannot be made?[NEWLINE]user: no but i want to meet them


user: Hello, I would like to obtain Information about the downloadable paid employment spreadsheet[NEWLINE]agent: Of course The 2011 Paid Employment Downloadable Spreadsheet provides the public with information about educational programs that prepare students for paid employment in a GE recognized occupation program.[NEWLINE]agent: Have you already seen the informational fee publications?[NEWLINE]user: yes[NEWLINE]agent: the Department determined that the published Title IV Medium Loan amount reflected the student debt information for the most recent loan year, but did not include debt information for prior years[NEWLINE]user: why can't reporting rates form a basis for making 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 where can I get more information about that spreadsheet?[NEWLINE]agent: you can download the Glossary of spreadsheet fields[NEWLINE]user: ok and what is that of column V?[NEWLINE]agent: Column V reflects the median loan debt during the course of enrollment in a program. Column W reflects median one-year credit debt.[NEWLINE]user: and can institutions receive debt measures projects?


user: Hello, I would like to obtain Information about the downloadable paid employment spreadsheet[NEWLINE]agent:  The 2011 Paid Employment Downloadable Spreadsheet provides the public with information about educational programs that prepare students for paid employment in a GE recognized occupation program. Per regulations effective July 1, 2012, the United States Department of Education calculates metrics for GE Programs each year[NEWLINE]agent: Have you already seen the informational fee publications?[NEWLINE]user: yes[NEWLINE]agent: The Department determined that the published Title IV Medium Loan amount reflected student debt information for the most recent loan year, but did not include debt information for prior years.[NEWLINE]user: GE's information rate for what purpose was it created?[NEWLINE]agent: The 2011 GE information rate information included in the downloadable spreadsheet was produced to provide institutions with preliminary information that they can use to evaluate their GE programs in preparation for the official paid employment metrics that are They will calculate for the first time in 2013.[NEWLINE]user: why can't reporting rates form a basis for making 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: okay. could you tell me what a v column is?[NEWLINE]agent: Column V reflects the median loan debt during the course of enrollment in a program. Column W reflects median one-year credit debt.[NEWLINE]user: And for what purpose was GE's informative rates created?


user: Hi there, I'm looking to get further information in relation to the Gainful Emplyment Downloadable Spreadsheet, can you help me with this?[NEWLINE]agent: The 2011 Gainful Employment Downloadable Spreadsheet gives information about different educational programs that are available which prepare students for gainful employment in a recognized occupation GE program. The US Department of Education calculates metrics for all the GE Programs each year[NEWLINE]agent: Have you consulted the most recent publication of the informational rates associated with the GE Program?[NEWLINE]user: No, I have not had a chance to study this yet[NEWLINE]user: What are the reasons involved in the 2011 Informational Rates not being intended to make any specific assumptions or determinations about specific GE Programs?[NEWLINE]agent: Because they are Informational Rates, no general or specific assumptions or determinations can be made for any specific GE Program, or even to make a projection about future years' rates[NEWLINE]user: What was done by the Government after the publication of Information Rates for GE Programs in 2011?[NEWLINE]agent: The Department stated that the Median Title IV Loans amounts posted were reflected in the student debt information, but that this information did not include debt information for previous years. An updated spreadsheet was posted by the Department on October 25, 2012[NEWLINE]user: What is the purpose of FY 2011 GE Informational Rates?[NEWLINE]agent: These are for informational purposes only. They do not state any regulatory requirements, or sanctions or any other adverse actions[NEWLINE]user: Is there somewhere I can go on the website to get information on the GE Data?


user: Hello, I need information on how I can review the third party service program[NEWLINE]agent: It is important that you review the amended HEA, where it allows higher education institutions to outsource any aspect of the institution's participation in federal student aid programs.[NEWLINE]agent: What requirements must be met to participate in federal student aid programs[NEWLINE]user: Please can you inform me of the requirements[NEWLINE]user: read modified HEA to determine to determine federal student aid programs[NEWLINE]agent: perfect modified HEA determines federal student aid programs[NEWLINE]agent: What are the characteristics of the student to receive federal student aid[NEWLINE]user: The amended HEA stipulates the characteristics[NEWLINE]agent: it is important to have federal funds for student aid[NEWLINE]user: When is it known if federal student aid funds are sufficient?[NEWLINE]user: You must first review the program


user: what are the third party servicer programs about?[NEWLINE]agent: The Higher Education Act of 1965, as amended HEA, allows institutions of higher education to outsource any aspect of the institution’s participation in federal student aid programs.[NEWLINE]agent: Did you want to know about the federal student aid programs?[NEWLINE]user: no[NEWLINE]agent: Do you have questions about services necessary to determine a student's eligibility for federal student aid?[NEWLINE]user: yes[NEWLINE]user: can you instead tell me what comes after you complete a program review?[NEWLINE]agent: FSA issues a Final Program Review Determination, which is a report that includes each specific finding, the third party servicer’s response, and ED’s final determination.[NEWLINE]user: what does a third-party servicer need to provide services to a school?[NEWLINE]agent: The servicer and/or its contractors must comply with the various Title IV requirements applicable to its servicing agreement with the school.[NEWLINE]user: how do they make sure the servicers are doing what they need to do?


user: I need information about the programs for third party services please[NEWLINE]agent: The amended HEA explains student aid in detail, including, but not limited to, necessary services and functions.[NEWLINE]agent: In addition, the institution must meet certain criteria to be eligible.[NEWLINE]user: Where can these criteria be found?[NEWLINE]user: What requirements must the institution have?[NEWLINE]agent: must meet certain requirements according to the service with the school[NEWLINE]user: What functions must the administrative part fulfill?[NEWLINE]agent: Importantly, the FSA routinely conducts program reviews to confirm that outside servers and the schools they contract with meet FSA requirements.[NEWLINE]user: Who supervises third-party administrators at the US Department of Education?[NEWLINE]agent: Las regulaciones del Título IV autorizan al Departamento[NEWLINE]user: Do you have to do a full review?


user: I have some questions about third party servicer programs.[NEWLINE]agent: I can assist you with that. As you may already know, the Higher Education Act of 1965, allows institutions of higher education to outsource aspects of their participation in federal student aid programs. This includes services and functions that are necessary.[NEWLINE]agent: Did you know that this includes services necessary for the institution to remain an eligible participant in the federal student aid program?[NEWLINE]user: Yes. I was aware of that.[NEWLINE]user: What happens after a program review is completed?[NEWLINE]agent: The FSA will issue a report called a Final Program Review Determination that includes specific findings, the third party servicer's response, and ED's final determination.[NEWLINE]user: Do third party contractors need to comply with all the Title IV requirements?[NEWLINE]agent: Yes. Third party contractors need to comply with the Title IV requirements that are applicable to it's servicing agreement with the school.[NEWLINE]user: Who is responsible for conducting program reviews to confirm that third party servicers and the schools that they contract meet FSA requirements for institutional eligibility?[NEWLINE]agent: The Federal Student Aid(FSA) is responsible for conducting these reviews.[NEWLINE]user: Who is responsible for providing oversight of third party servicers?


user: I have questions about third party servicer program reviews.[NEWLINE]agent: I can help you with that. The Higher Education Act of 1965 allows institutions of higher education to outsource all aspects of their participation in federal student aid programs.[NEWLINE]agent: Did you know that this Act also includes services necessary for the institution to remain eligible for participation in the federal student aid program?[NEWLINE]user: No. I didn't know about that.[NEWLINE]agent: Were you aware that this also includes services that determine a student's eligibility for federal student aid?[NEWLINE]user: No.[NEWLINE]agent: Did you know the Act also covers services that help to account for federal student aid funds?[NEWLINE]user: No. I didn't know that either.[NEWLINE]agent: This Act also includes functions that deliver federal student aid to students. Would you like more information about this?[NEWLINE]user: No. That's okay.[NEWLINE]agent: Lastly, this Act covers services and functions that are necessary to perform any other aspect of the administration of the federal aid programs. Do you have questions about this?[NEWLINE]user: Yes. I need clarification on that.[NEWLINE]user: How does it work for third party servicers who contract with an institution?


user: Hi, I need to make an inquiry to the third party services program please[NEWLINE]agent: Third-party services program, such as modified HEA, allows higher education institutions to outsource any aspect of the institution's participation in federal student aid programs[NEWLINE]agent: Institutions must be eligible for this purpose[NEWLINE]user: What requirements must institutions meet to apply for the program?[NEWLINE]agent: These requirements are essential to receive federal student aid.[NEWLINE]user: requirements for federal student aid[NEWLINE]user: o It all depends on modified HEA?[NEWLINE]agent: The amended HEA aims to allow higher education institutions to outsource any aspect of the institution's participation in federal student aid programs.[NEWLINE]user: What is the initial fund for this type of program?[NEWLINE]user: It all depends on the US Department of Education.[NEWLINE]agent: How does the US Department of Education relate to program plans?[NEWLINE]user: And how is it related to the institution?


user: what is reviewed under the third-party servicer program?[NEWLINE]agent: Outsourced services and functions necessary for a school to continue to provide federal student aid.[NEWLINE]agent: Did you know the reviews allow an institution to remain eligible to participate in the federal student aid programs?[NEWLINE]user: yes[NEWLINE]user: do they need to be in agreement with title iv?[NEWLINE]agent: Yes, when contracting with an institution, a third-party servicer and/or its contractors must comply with the various Title IV requirements applicable to its servicing agreement with the school.[NEWLINE]user: what kind of thing does title iv do?[NEWLINE]agent: The Title IV regulations authorize the U.S. Department of Education to provide oversight of third-party servicers.[NEWLINE]user: what is something that is done during reviews?[NEWLINE]agent: Reviewers will evaluate the third-party servicers’ and schools’ compliance with FSA requirements, assess liabilities for errors in performance, and identify actions the third-party servicers and their partner schools must take to improve future administrative capabilities.[NEWLINE]user: who can be a third party servicer?


user: I have some questions about third party servicer program reviews.[NEWLINE]agent: I can assist you with this. The Higher Education Act of 1965 allows institutions of higher education to outsource any aspect of their participation in federal student aid programs.[NEWLINE]agent: Were you aware that this act includes services that are necessary for the institution to remain eligible for federal student aid program participation?[NEWLINE]user: No. I didn't know that.[NEWLINE]agent: Did you know that the act also includes functions that determine a student's eligibility for federal student aid?[NEWLINE]user: No.[NEWLINE]agent: Do you have a question about the act and federal student aid funds?[NEWLINE]user: No.[NEWLINE]agent: Did you know that this act also covers services that deliver federal student aid to students?[NEWLINE]user: No, I wasn't aware of that.[NEWLINE]agent: Do you have questions about other services covered under the act?[NEWLINE]user: Yes. I do.[NEWLINE]user: What is a third party servicer?


user: What can you tell me about entrance counseling when it comes to Federal Student Aid?[NEWLINE]agent: Do you want to learn why you need entrance counseling because you have a Direct Loan or Federal Family Education Loan?[NEWLINE]user: No, I do not have a Direct Loan right now.[NEWLINE][BOUNDARY][NEWLINE]agent: Do you need to  complete the entrance counseling?[NEWLINE]user: Yes, I was now made aware I need to complete the entrance counseling.[NEWLINE][BOUNDARY][NEWLINE]user: What do I need to complete this counseling?[NEWLINE]agent: You will need a verified FSA ID.[NEWLINE][BOUNDARY][NEWLINE]user: How long will the entrance couseling take me to complete?[NEWLINE]agent: Actually, the process should be completed in one session and usually takes around 20-30 minutes of you time.[NEWLINE][BOUNDARY][NEWLINE]user: Does each school have the same entrance counseling requirements to complete?[NEWLINE]agent: Every school may have something different for entrance counseling to complete and it is smart to check with your school's financial aid office to be sure the counseling available on this Website will satisfy the requirements.[NEWLINE]user: Who is the one that requires me to complete the entrance counseling?


user: What happens with entrance counseling?[NEWLINE]agent: Did you do entrance counseling for you Direct Loan?[NEWLINE]user: No, I have not received Entrance Counseling yet.[NEWLINE][BOUNDARY][NEWLINE]agent: Do you know who should complete the entrance counseling?[NEWLINE]user: Yes, I was told I had to because I received a Direct Loan.[NEWLINE][BOUNDARY][NEWLINE]user: How long will this counseling take?[NEWLINE]agent: The whole counseling process usually takes from 20-30 minutes and should be completed in one session.[NEWLINE][BOUNDARY][NEWLINE]user: Would my school have different requirements?[NEWLINE]agent: Yes, your school may have alternate entrance counseling requirements just check with your school's financial aid office to be our website satisfies its requirements for entrance counseling.[NEWLINE][BOUNDARY][NEWLINE]user: What do I need to complete the entrance counseling?[NEWLINE]agent: You need a verified FSA ID.[NEWLINE][BOUNDARY][NEWLINE]user: Where would I go at my school for entrance counseling?


user: I'm here for entrance counseling information[NEWLINE]agent: Would you like to know why you need Entrance Counseling?[NEWLINE]user: no[NEWLINE][BOUNDARY][NEWLINE]agent: Do you need to know if you should complete Entrance Counseling?[NEWLINE]user: no I already know I need it[NEWLINE][BOUNDARY][NEWLINE]agent: Would you like to know how long it will take to complete?[NEWLINE]user: no, it doesn't matter if I have to do it anyway[NEWLINE][BOUNDARY][NEWLINE]agent: Do you want to know what document you will need to get started?[NEWLINE]user: yes please, might as well be prepared[NEWLINE]agent: You will need a verified FSA ID[NEWLINE][BOUNDARY][NEWLINE]user: why do we have to do this?