user: I have been wondering about asking for a federal student loan, but I don't know if I should. Can you please tell me a bit more about this topic?[NEWLINE]agent: Of course. You must repay your loan, so be sure you understand your options and responsibilities.[NEWLINE]agent: Did you apply for financial aid?[NEWLINE]user: Yes, I have applied for it.[NEWLINE]agent: Then you may be offered loans as part of your school s financial aid offer. A loan is money you borrow and must pay back with interest.[NEWLINE][BOUNDARY][NEWLINE]user: Good to know. Do you know your options and responsibilities? Can you give me an example?[NEWLINE]agent: You can contact Equifax Credit Bureau to report a possible fraud.[NEWLINE][BOUNDARY][NEWLINE]user: I have another concern regarding the Federal student loans. What if I make a decision to take out a loan?[NEWLINE]agent: Make sure you understand who is making the loan and the terms and conditions of the loan.[NEWLINE]user: I'd like to know more about Financial Aid Types. Is there any financial assistance available from my state government?[NEWLINE]agent: Yes. Your state government is another source for financial aid.[NEWLINE]user: Can you please tell me if there are any alternatives apart from federal student loans that I can take?[NEWLINE]agent: Yes. Student loans can come from the federal government, from private sources such as a bank or financial institution, or from other organizations.[NEWLINE][BOUNDARY][NEWLINE]user: What if I'm in financial need? What can the government do for me?[NEWLINE]agent: If you demonstrate financial need, the government pays the interest on some loan types while you are in school and during some periods after school.[NEWLINE][BOUNDARY][NEWLINE]user: That's great! So, what exactly are those direct plus loans?


user: curious about loans for school[NEWLINE]agent: Federal student loans for college are an investment in your future. You must repay your loan, so be sure you understand your options and responsibilities.[NEWLINE]agent: Have you applied for financial aid?[NEWLINE]user: yes[NEWLINE]agent: You might be offered loans as part of your school’s financial aid offer. A loan is money you borrow and must pay back with interest.[NEWLINE][BOUNDARY][NEWLINE]user: that's it. Loan Transfers are also something I'd like to hear about. In the event of a move, what happens to my loan?[NEWLINE]agent: It just means that a new servicer will provide the support you need to fully repay your loans[NEWLINE][BOUNDARY][NEWLINE]user: Are there any other pertinent details about the loans of which I should be aware?[NEWLINE]agent: Make sure you understand who is making the loan and know the terms and conditions of the loan.[NEWLINE][BOUNDARY][NEWLINE]user: Is Interest Accrued on Federal Student Aid Loans? where can i find this out?[NEWLINE]agent: Yes and after finishing school you must repay your loans and the interest that accrues on them.[NEWLINE][BOUNDARY][NEWLINE]user: Sure. Now I need to ask about federal student loans. Are the loans high interest?[NEWLINE]agent: The interest rate on federal student loans is fixed and usually lower than that on private loans.[NEWLINE][BOUNDARY][NEWLINE]user: how much can I borrow?[NEWLINE]agent: It depends on whether you are an undergraduate student, a graduate or professional student, or a parent.[NEWLINE][BOUNDARY][NEWLINE]user: is the school the one making the loan to us?


user: hello could you give me information about federal student loans[NEWLINE]agent: Of course, paying off your loan is a must, so make sure you understand your options and responsibilities.[NEWLINE]agent: Do you want to apply for financial aid?[NEWLINE]user: no[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE]user: And what difference is there between government loans and those from private sources?[NEWLINE]agent: Loans made by the federal government, called federal student loans, generally have more benefits than loans from banks or other private sources. Learn more about the differences between federal and private student loans.[NEWLINE][BOUNDARY][NEWLINE]user: I got it. Another question.  What is the difference between government loans and loans from private sources?   Can i cancel a loan[NEWLINE]agent: Yes, you can cancel all or part of the loan before the money is disbursed. You just need to notify the school.[NEWLINE]agent: You can also do it after the money is disbursed. Does this interest you?


user: what should I know about federal student loans?[NEWLINE]agent: You should know that you must repay your loan, so be sure you understand your options and responsibilities.[NEWLINE]agent: Have you applied for financial aid?[NEWLINE]user: not yet but almost ready[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: how does a loan help me?[NEWLINE]agent: It is an investment in your future.[NEWLINE][BOUNDARY][NEWLINE]user: Another concern is whether we should be eligible to receive funding for college or career school as a result of your or a family member's military service? What other financial assistance does the government provide service families?[NEWLINE]agent: I can give you information on a few sources of financial aid that you can consider, but I also suggest that you check out todaysmilitary.com. You will find a list of education benefits.[NEWLINE][BOUNDARY][NEWLINE]agent: What are Reserve Officers Training Corps Scholarships?[NEWLINE]user: Yes, I would like to know more about these scholarships.[NEWLINE]agent: Great. Unlike some other military scholarships, the ROTC Scholarships are based on merit instead of financial need.[NEWLINE][BOUNDARY][NEWLINE]user: Now, about my complaint. Should I file it?


user: Can you explain what is involved with a federal student loan for college?[NEWLINE]agent: The most important thing that you should be aware of is that you must repay any loan you receive, in this regard, you are advised to be au fait with your options and responsibilities[NEWLINE]agent: Are you looking to apply for federal student aid in the near future?[NEWLINE]user: Not currently, but it may be something that I will need to consider in the future[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: What types of federal student loans can be applied for and are there restrictions or features of these loans that I should be aware of?[NEWLINE]agent: With a Direct Unsubsidized Loan, you are able to borrow up to $20,500 each year. Direct PLUS Loans are designed to be used for college costs that are determined by your school for expenses that are not covered by any other financial aids[NEWLINE][BOUNDARY][NEWLINE]user: What exactly is a private student loan?[NEWLINE]agent: These are loans that are nonfederal and are offered by financial institutions like banks, credit unions or a school[NEWLINE][BOUNDARY][NEWLINE]user: What is the process involved in getting a federal student loan?[NEWLINE]agent: Are you currently applying for a federal loan?


user: Greetings and good morning. I recently hear about student loans and was wondering if it could be an option for me, Could you lend me a hand on that?[NEWLINE]agent: hi[NEWLINE]agent: hi[NEWLINE]user: hi[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: hi[NEWLINE]agent: hi[NEWLINE][BOUNDARY][NEWLINE]user: Is there a Loan Fee?[NEWLINE]agent: Yes, there is a loan fee on all Direct Subsidized Loans and Direct Unsubsidized Loans.###Now, on how to get a low-interest loan, what more moves do I need to take to get my loan?[NEWLINE]user: No[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: Where can I find information about the student loans I ve received?


user: what do I need to know about loans to pay for school?[NEWLINE]agent: Make sure you understand your options and responsibilities when it comes to federal student loans.[NEWLINE]agent: Have you applied for financial aid?[NEWLINE]user: yes[NEWLINE]agent: You might be offered loans as part of your school's financial aid offer[NEWLINE][BOUNDARY][NEWLINE]user: Where on the website to I click to find out for sure if the site covers my school's entrance counseling requirements?[NEWLINE]agent: Your school's financial aid office can inform you of this[NEWLINE][BOUNDARY][NEWLINE]user: can you please give me more information about federal student loans for college? who provides this loan?[NEWLINE]agent: They can come from the federal government, from private sources such as a bank or financial institution, or from other organizations.[NEWLINE]user: Do you happen to be familiar with understand financial aid? I'm not sure what kind of assistance I'd be qualified for, could you please advise me?[NEWLINE]agent: You can estimate what aid you may be eligible for when you check out our FAFSA4caster tool.[NEWLINE][BOUNDARY][NEWLINE]user: I would also like to know, what types of federal student loans are available? Can you tell me a form or web page to visit?[NEWLINE]agent: You can look at Federal Student Loan Programs, it lists federal student loan programs with loan details.[NEWLINE][BOUNDARY][NEWLINE]user: what is something I should do when looking at loans?[NEWLINE]agent: You need to understand the terms of your loan.[NEWLINE][BOUNDARY][NEWLINE]user: Do you still have Federal Perkins loans?


user: Hello, I would like to know if Federal student loans are a good investment?[NEWLINE]agent: it is important that you pay off your loan, so make sure you understand your options and responsibilities.[NEWLINE]agent: Do you want to apply for financial aid?[NEWLINE]user: no[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: What if I have loans from the HEAL Program and I am in default with those loans?[NEWLINE]agent: In that case, contact the Debt Collection Center for help with account-related questions.[NEWLINE][BOUNDARY][NEWLINE]user: On a similar note, let's talk about federal grants. What do you have to say about grants?[NEWLINE]agent: The share link will explain that a grant is a form of financial aid that will never have to be paid back unless you withdraw from school and owe a refund.[NEWLINE][BOUNDARY][NEWLINE]user: What types of loans are there?[NEWLINE]agent: The share link will be able to help you with loans that are considered student loans and will tell you that they have to be paid back.[NEWLINE]agent: Did you know that you have to pay back a student loan along with interest?


user: how do I know I'm cleared to get financial aid?[NEWLINE]agent: I can go over the basic eligibility criteria with you.[NEWLINE][BOUNDARY][NEWLINE]user: so what is the criteria?[NEWLINE]agent: Do you have a high school diploma or a GED?[NEWLINE]user: I have a diploma[NEWLINE]agent: It shows you are qualified to obtain a college or career school education[NEWLINE][BOUNDARY][NEWLINE]user: Is there a scholarship program for those who cannot afford to pay the tuition? What are the prerequisites?[NEWLINE]agent: hi[NEWLINE][BOUNDARY][NEWLINE]user: O.k i'll make sure to check that out. This is a silly question but, Do i have to keep the grades up all the time to keep the aid?[NEWLINE]agent: Of course. That eligibility criteria that was applied when you requested that aid, needs to be kept through all the time you receive the funds.[NEWLINE][BOUNDARY][NEWLINE]user: Oh, O.k Sorry, i just wanted to be sure. In any case, i don't need to renew anything after i got the aid, don't i?[NEWLINE]agent: Did you fill a FAFSA form when you requested your aid?


user: what does my situation have to be like to get financial aid for college?[NEWLINE]agent: I can go over the basic eligibility criteria with you[NEWLINE][BOUNDARY][NEWLINE]user: Can ability to benefit alternatives help someone who has been in school before?[NEWLINE]agent: It can help you if you were enrolled in college or career school prior to July 1, 2012[NEWLINE]user: Is there any way to reinstate an applicant's eligibility for federal aid, if they were previously denied due to a drug conviction?[NEWLINE]agent:  An applicant can regain eligibility for federal aid by successfully completing an approved drug rehabilitation program or by passing two unannounced drug tests by an approved drug rehabilitation program[NEWLINE][BOUNDARY][NEWLINE]user: Am I eligible for federal student aid if I am incarcerated?[NEWLINE]agent: In this instance, you have limited eligibility for student aid[NEWLINE]agent: Is the incarceration due to a drug-related offense or are you subject to an involuntary civil commitment for a sexual offense?[NEWLINE]user: Yes, I fall into that category[NEWLINE]agent: In this case, your eligibility for student aid may well be limited[NEWLINE][BOUNDARY][NEWLINE]user: What can I do if my eligibility for student aid has been suspended due to a drug conviction?


user: What requirements do I need to qualify for federal student aid?[NEWLINE]agent: There are several basic eligibility criteria to meet.[NEWLINE][BOUNDARY][NEWLINE]user: Can you please tell me the basic criteria for eligibility?[NEWLINE]agent: One of the requirements is to be enrolled at least half-time to be eligible for a Direct Loan Program funds.[NEWLINE][BOUNDARY][NEWLINE]user: What if I am a citizen of the Federated States of Micronesia, the Republic of the Marshall Islands, or the Republic of Palau??[NEWLINE]agent: Then you would be exempt from registering for selective service.[NEWLINE][BOUNDARY][NEWLINE]user: What should I do if I've been told that I'm no longer qualified for federal student aid?[NEWLINE]agent: It is in your best interest to talk to your financial aid office and we also can provide some tips on how to get your eligibility back.[NEWLINE][BOUNDARY][NEWLINE]user: Who should I talk to regarding repaying aid or getting additional aid?[NEWLINE]agent: You should talk to the financial aid office at your school.[NEWLINE][BOUNDARY][NEWLINE]user: Who should I be in contact with for info about reinstating my status of noncitizen eligibility of student aid?


user: Hi, I'd like to know what requirements I must meet to qualify for federal student aid.[NEWLINE]agent: we must first review the basic eligibility criteria[NEWLINE][BOUNDARY][NEWLINE]user: and among the requirements is to maintain academic progress?[NEWLINE]agent: yes, is it important to maintain satisfactory academic progress in college or vocational school to remain eligible[NEWLINE][BOUNDARY][NEWLINE]user: Now, regarding the limited eligibility in federal aid for criminal convictions in students, how can these convictions affect the eligibility criteria to receive the aid?[NEWLINE]agent: You cannot receive a Federal Pell Grant if you have been convicted of a forcible or non forcible sexual offense, and you are subject to an involuntary civil commitment upon completion of a period of incarceration for the said offense.[NEWLINE]user: I have a conviction but am not sure if it falls under the conditions you described.[NEWLINE]agent: If your conviction is as I stated you will not be able to receive a Federal Pell Grant.[NEWLINE][BOUNDARY][NEWLINE]user: If I have a previous drug conviction how can I regain eligibility for federal student aid?[NEWLINE]agent: If you have had a drug conviction you can regain eligibility early by successfully completing an approved drug rehabilitation program or by passing two unannounced drug tests administered by an approved drug rehabilitation program.[NEWLINE]user: I regained eligibility during my award year, what should I do now?


user: Good morning, how you doing?. I've thinking about getting a student aid, but need some info about what could i need for it.[NEWLINE]agent: Hey there, welcome. Indeed, need to meet some basic criteria to access federal aid, so we could go with those and see if you meet them.[NEWLINE][BOUNDARY][NEWLINE]user: Alright. I guess one of the obvious ones is to be an american citizen to apply, right?[NEWLINE]agent: That's correct. However, is not limited no U.S nationals only. Even noncitizen can apply, if they are eligible.[NEWLINE][BOUNDARY][NEWLINE]user: Understood, if I get a federal aid and my university process is not satisfactory, what would be the consequences?[NEWLINE]agent: Reasons for appeal generally include the death of a family member, illness or injury, or other special circumstances;[NEWLINE][BOUNDARY][NEWLINE]user: And how often should I complete the form?[NEWLINE]agent: I already filled out the FAFSA form?[NEWLINE]user: no[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: And once I meet the requirements, should I always meet them?


user: Hi, I'd like to know what requirements I must meet to qualify for federal student aid.[NEWLINE]agent: We need to review the basic eligibility criteria.[NEWLINE][BOUNDARY][NEWLINE]user: What requirements must I meet to remain eligible?[NEWLINE]agent: among the requirements is to maintain satisfactory academic progress in the university or vocational school[NEWLINE][BOUNDARY][NEWLINE]user: That's helpful to hear. If you have any experience with documents? That's helpful to hear. What do I do if my green card has run out of validity?[NEWLINE]agent: Well, this doesn't necessarily mean that your status as a legal permanent resident has expired. You might just need to renew the card. Be sure to do so promptly![NEWLINE][BOUNDARY][NEWLINE]user: When am I considered NOT an eligible noncitizen, and can not receive federal student aid?[NEWLINE]agent: Do you have only a Notice of Approval to Apply for Permanent Residence I-171 or I-464?[NEWLINE]user: No, I don't.[NEWLINE]agent: Are you in the U.S. on an F-1 or F-2 nonimmigrant student visa, or on a J-1 or J-2 nonimmigrant Exchange Visitor Visa?[NEWLINE]user: No.[NEWLINE]agent: Do you hold a G series visa pertaining to international organizations?[NEWLINE]user: No, I don't.


user: Hello, what are the requirements for federal aid?[NEWLINE]agent: To qualify for aid, basic eligibility criteria must be met[NEWLINE][BOUNDARY][NEWLINE]user: It is noteworthy that financial aid the school offers an eligible career program.[NEWLINE]agent: La capacidad con la que cuenta la institución es importante[NEWLINE]user: This looks like a reminder of me staying eligible and keep receiving my federal student aid. Should I fill a form each year?[NEWLINE]agent: Are you asking about the FAFSA form?[NEWLINE]user: yes[NEWLINE]agent: Each FAFSA form you fill out is for aid for a specific year. In order to receive aid for that year, you will need to submit that year’s FAFSA form.[NEWLINE][BOUNDARY][NEWLINE]user: what is considered satisfactory academic progress?[NEWLINE]agent: You need to make good enough grades, and complete enough credit hours, to keep progressing toward successfully completing your degree or certificate.[NEWLINE]agent: Do you know about your school's satisfactory academic progress policy for financial aid purposes?


user: hi[NEWLINE]agent: hi[NEWLINE][BOUNDARY][NEWLINE]user: hi[NEWLINE]agent: hi[NEWLINE][BOUNDARY][NEWLINE]user: Can I Get Federal Student Aid? When am I considered an eligible non-citizen?[NEWLINE]agent: When you are a U.S. national, for example. This includes natives of American Samoa or Swains Island.[NEWLINE][BOUNDARY][NEWLINE]user: What if the expiration date on my documents has passed?[NEWLINE]agent: Has your green card expired?[NEWLINE]user: Yes, it seems so.[NEWLINE]agent: That doesn't necessarily mean that your status as a legal permanent resident has expired.[NEWLINE]user: Can I just renew it somehow?


user: Is there certain requirements I need to qualify for federal student aid?[NEWLINE]agent: Yes we can go over the basic eligibility criteria.[NEWLINE][BOUNDARY][NEWLINE]user: Is it necessary for me to register for Selective Service if I am a male to receive federal student aid?[NEWLINE]agent: Yes since you are a male you must register with Selective Service to receive federal student aid.[NEWLINE]user: Now I'd like to ask a completely unrelated question. I see what you mean. I'd like to ask you another question. Do you hear about federal student aid, by the way?[NEWLINE]agent: hi[NEWLINE]user: hi[NEWLINE]agent: hi[NEWLINE][BOUNDARY][NEWLINE]user: O.k i'll make sure to check that out. This is a silly question but, Do i have to keep the grades up all the time to keep the aid?[NEWLINE]agent: Of course. That eligibility criteria that was applied when you requested that aid, needs to be kept through all the time you receive the funds.[NEWLINE][BOUNDARY][NEWLINE]user: Oh, O.k Sorry, i just wanted to be sure. In any case, i don't need to renew anything after i got the aid, don't i?[NEWLINE]agent: Did you fill a FAFSA form when you requested your aid?


user: Hello, can you tell me what is required to qualify for federal student aid?[NEWLINE]agent: It is vital to review the eligibility processes.[NEWLINE][BOUNDARY][NEWLINE]user: What is the profit capacity?[NEWLINE]agent: This benefit is primarily if you were enrolled in a university or vocational school.[NEWLINE][BOUNDARY][NEWLINE]user: How do I know if I can get some kind of financial aid to study in the USA? since I am not an eligible alien[NEWLINE]agent: Ask the college or career school you plan to attend whether they offer any aid for students like you.[NEWLINE][BOUNDARY][NEWLINE]user: In which case would that be possible?


user: are charges added if my loan is being collected by a debt collector?[NEWLINE]agent: Have you defaulted on your federal school loan?[NEWLINE]user: yes and a collection agency is involved[NEWLINE]agent: You are liable for the costs of collecting your defaulted federal student loans. The largest of these costs are usually the costs of placing your loan with a private collection agency. They amount to 17.92% of your outstanding balance, which includes principal, interest, and fees.[NEWLINE][BOUNDARY][NEWLINE]user: Where can I find some assistance if I have a defaulted student loan?[NEWLINE]agent: Do you need help with your defaulted loan?[NEWLINE]user: Yes, I do.[NEWLINE]agent: Then you will need to contact the holder of your defaulted loan. Find out who holds your loan by logging in and selecting "view loan servicer details". Remember: StudentAid.gov does not include information about any private student loans you may have received.[NEWLINE][BOUNDARY][NEWLINE]user: What if consolidate a defaulted loan?[NEWLINE]agent: In that case the record of the default as well as late payments reported before the loan went into default will remain in your credit history. Late payments will remain on your credit report for seven years from when they were first reported. It's important that you fully understand loan rehabilitation and loan consolidation before making your decision.[NEWLINE][BOUNDARY][NEWLINE]user: Sounds good. Can I also reconsolidate a defaulted FFEL Consolidation Loan?


user: Are there additional costs that I would have to pay if my student loan was handed to a collection agency?[NEWLINE]agent: Are you currently in default with your student loan?[NEWLINE]user: Yes, I have fallen into arrears on my loan and am fearful that it will be handed over to a collection agency[NEWLINE]agent: If a collection agency is involved, you will liable for any of the costs involved in handing over the loan. The costs involved are equal to 17.92% of your outstanding balance, this amount includes principal, interest and fees[NEWLINE][BOUNDARY][NEWLINE]user: Do you know how I can get information about my loan servicer? and where can I get help with my delinquent loan?[NEWLINE]agent: Do you need help with your defaulted loan?[NEWLINE]user: Yes, I do.[NEWLINE]agent: Then you will need to contact the holder of your defaulted loan. Find out who holds your loan by logging in and selecting "view loan servicer details". Remember: StudentAid.gov does not include information about any private student loans you may have received.[NEWLINE][BOUNDARY][NEWLINE]user: What if consolidate a defaulted loan?[NEWLINE]agent: In that case the record of the default as well as late payments reported before the loan went into default will remain in your credit history. Late payments will remain on your credit report for seven years from when they were first reported. It's important that you fully understand loan rehabilitation and loan consolidation before making your decision.[NEWLINE][BOUNDARY][NEWLINE]user: Sounds good. Can I also reconsolidate a defaulted FFEL Consolidation Loan?


user: are they going to add fees to my loan if a debt collector gets involved?[NEWLINE]agent: Have you defaulted on a federal student loan?[NEWLINE]user: not yet but you know[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: who do I talk to about wage garnishment or avoiding it?[NEWLINE]agent: You can contact your loan holder.[NEWLINE][BOUNDARY][NEWLINE]user: Another thing about non-compliance. What is loan rehabilitation?[NEWLINE]agent: There are different programs for this. William D. Ford Federal Direct Loan (Direct Loan) Program and Federal Family Education Loan (FFEL) Program[NEWLINE]user: what happens when the debt collector gets involved?[NEWLINE]agent: If your loan is placed with a collection agency, you will be responsible for costs incurred by your loan holder to get payment. These costs amount to 17.92% of your loan amount if your loan is held by ED. Other loan holders may charge a different amount.[NEWLINE][BOUNDARY][NEWLINE]user: I have more questions about student loans, what if I want deferment? Do you have any advice on this?[NEWLINE]agent: If that is the way you go consider paying the interest that accrues during that period, so that you can avoid some of the consequences.[NEWLINE][BOUNDARY][NEWLINE]user: Something else I want to ask, if my wife is my beneficiary, you will notify me before transferring you[NEWLINE]agent: Yes, they will let you know. Before a defaulted loan is placed with a private collection agency, you will get an explanation on what you can do to avoid both the assignment to a private collection agency and the reporting of default status to credit agencies.[NEWLINE][BOUNDARY][NEWLINE]user: are these people that offer to help me with the loan for a fee any good?


user: I'm getting calls from someone who wants to charge me fees to get my federal loan out of default.[NEWLINE]agent: This is a scam. The first thing you should do is contact the Default Resolution Group for help.[NEWLINE]agent: Are they asking you to pay for enrollment or maintenance fees?[NEWLINE]user: Yes, they are asking for maintenance fees.[NEWLINE]agent: Okay. The best thing to do is ignore them when they try to contact you. If you are in need of real help with your defaulted loan, the Default Resolution Group can help you for free.[NEWLINE][BOUNDARY][NEWLINE]user: Anything else, Repayment in full. What if I don't have the contact details for my loan holder and need to make a payment?[NEWLINE]agent: Simply log in and select "view loan servicer details".[NEWLINE][BOUNDARY][NEWLINE]user: Ok, now regarding receiving calls from people who want to charge me fees to get my federal student loan out of default, where can I better find out to avoid these types of scams?[NEWLINE]agent: You should take a look at our blog post titled, "Don't Be Fooled: You Never Have to Pay for Student Loan Help".[NEWLINE][BOUNDARY][NEWLINE]user: Can I qualify for a deferment or forbearance of my payments  if I'm in a tight financial situation?[NEWLINE]agent: Yes, you can also try to qualify for a deferment or a forbearance.[NEWLINE][BOUNDARY][NEWLINE]user: I'm worried that my wages will be garnished because of my unpaid student loan. What can I do to avoid this?[NEWLINE]agent: One way you can avoid garnishment is to make a request for a hearing.[NEWLINE]user: I lost my job last year and have just stared a new job 2 months ago. Will my wages still be garnished?[NEWLINE]agent: This is definitely something that you should bring up at the hearing. Since you have been employed for less than 12 months after having previously been involuntarily separated from your employment, it may be ruled that your wages cannot be garnished at this time.[NEWLINE]user: What rights do I have with garnishment?


user: I just got contacted by someone offering me to get my federal student loan out of default and his asking for some fees.[NEWLINE]agent:  If it's not the Default Resolution Group then you should walk away.[NEWLINE]agent: Was it a company that contacted you asking for fees?[NEWLINE]user: It wasn't.[NEWLINE]agent: Do you need to know more about this?[NEWLINE]user: Not right now.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: But I want to know about wage garnishing.[NEWLINE]agent: For that matter, you should contact your loan holder.[NEWLINE][BOUNDARY][NEWLINE]user: On a somewhat related note, regarding loan agreement, is it worth highlighting the importance of avoiding payment default?[NEWLINE]agent: It is important to note that it is important that you do not borrow more than you need or more than you expect to be able to pay.[NEWLINE][BOUNDARY][NEWLINE]user: You can give me more information on the subject.[NEWLINE]agent: I recommend you contact your loan servicer for information on the subject.[NEWLINE][BOUNDARY][NEWLINE]agent: It is vitally important to avoid defaulting on payments to invite additional payments.[NEWLINE]user: Perfect, and what else can you tell me?[NEWLINE]agent: You can also read carefully to fully understand their loan agreement.[NEWLINE]user: What does it mean that the federal loan is delinquent?


user: what will happen if I default on a student loan?[NEWLINE]agent: Have you defaulted on your federal student loan?[NEWLINE]user: no, just wondering[NEWLINE]agent: Have you looked into repayment arrangements?[NEWLINE]user: no I just started looking for info to be prepared if it happens[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: who can I call if I think someone is trying to scam me because of my loan?[NEWLINE]agent: Stay away from anyone you feel is trying to take advantage of the situation and contact the Default Resolution Group.  The Default Resolution Group can help you get your loan out of default for free[NEWLINE][BOUNDARY][NEWLINE]user: There's one more thing I'd like to say about loans. Is there a tax benefit to choosing an income-driven repayment plan?[NEWLINE]agent: Yes you might have to pay taxes on the amount forgiven especially if you are making payments of $0 per month.[NEWLINE][BOUNDARY][NEWLINE]user: If I default on a Federal Family loan, what are some of the things they can do to me?[NEWLINE]agent: Your state tax refunds may also be withheld and applied toward repayment of your loan, and you may also lose your driver's license or other state-issued licenses.[NEWLINE][BOUNDARY][NEWLINE]user: it makes me curious. What comes after choosing something like an income-based payment plan?


user: I have been contacted by someone who has told me that they can get my federal student loan out of default for a fee. What should I do?[NEWLINE]agent: You first port of call in this instance should always be the Default Resolution Group[NEWLINE]agent: Has any company sought "enrollment", "subscription" or "maintenance" fees from you to help get you out of default?[NEWLINE]user: Yes, I have been contacted in this manner[NEWLINE]agent: Your first action here should be to walk away. Your loan can be moved out of default for free with the Default Resolution Group[NEWLINE][BOUNDARY][NEWLINE]user: I'd also like to learn more about Deferment and Forbearance for Student Loans. What if I choose deferment? Do you have any suggestions?[NEWLINE]agent: If that is the way you go consider paying the interest that accrues during that period, so that you can avoid some of the consequences.[NEWLINE][BOUNDARY][NEWLINE]user: I'd like to know more about money from wages. Is there a way for me to avoid having 15% of my wages garnished when dealing with loan collections?[NEWLINE]agent: One way to avoid this is to come to an agreement with the ED and negotiate better repayment terms for you which are acceptable by the ED or the private collection agency. You must ensure that the ED receives the first payment that is due no later than 30 days from the date of garnishment[NEWLINE][BOUNDARY][NEWLINE]user: I'd like to know something else. What can you tell me about repayment in full?[NEWLINE]agent: Well, a third option for getting out of default is to repay the full amount of your defaulted student loan.[NEWLINE][BOUNDARY][NEWLINE]user: Another question about my federal student loan. Is there a place where I can know more companies that wants to charge me fees to get my loan out of default?[NEWLINE]agent: You should read our blog post called "Don't Be Fooled; You Never Have to Pay for Student Loan Help"[NEWLINE][BOUNDARY][NEWLINE]user: Are there other collection costs applicable apart from the cost of placing my loan with a collections agency?[NEWLINE]agent: You may have other costs, such as Treasury offset processing fees. There may also be costs associated with potential civil litigation from the Department of Justice[NEWLINE][BOUNDARY][NEWLINE]user: How do collection agencies work when they take over a loan that is in default?


user: Hi there. I would like some information related to the fact that my loan is placed with a collection agency.[NEWLINE]agent: Sure. But, we need to ask, is your loan on default?[NEWLINE]user: No, not at all.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: Thanks. My main problem is that I got a email saying that I was getting extra fees to get my student loan out of default, and I want to know, what can I do about it?[NEWLINE]agent: In that case, you need to contact the default resolution group to be sure of this information.[NEWLINE][BOUNDARY][NEWLINE]user: Another question I have about loan consolidation, does it work if  I make three payments before consolidating?[NEWLINE]agent: You need the payments to consolidate then the required payment amount will be determined by your loan holder[NEWLINE][BOUNDARY][NEWLINE]user: I have another question about federal student loans. Even if it says that the goal is to get my loan out of default?[NEWLINE]agent: Yes, yes, the best thing you can do is contact the default resolution group directly.[NEWLINE][BOUNDARY][NEWLINE]user: Regarding deferral and forbearance of student loans, what can I do if I am eligible for any of these?[NEWLINE]agent: In that case you can temporarily suspend your payments.[NEWLINE][BOUNDARY][NEWLINE]user: Is it normal that some parts of the email stated that I needed to pay anything for a subscription?[NEWLINE]agent: No, that's not normal or legal. If any company ask you something like that you should walk away.[NEWLINE][BOUNDARY][NEWLINE]user: I see... But I have heard about some collection agencies, but I don't know how to get in contact with them, what can I do?


user: Hi there. I have some questions related to fees charged to me to get my loan out of default.[NEWLINE]agent: I see... In this kind of cases the best thing to do is get in contact with the default resolution group.[NEWLINE]agent: Anyone have tried to ask you for payments to help you to get out of default on your loan?[NEWLINE]user: Yes, someone want to charge me fees and want me to pay for help.[NEWLINE]agent: In this case, you should walk away. The resolution group can help you with this for free.[NEWLINE][BOUNDARY][NEWLINE]user: Good to know. Do you happen to know about capitalization. is there a way to get lower payments?[NEWLINE]agent: It might be good for to you consider a different repayment plan such as an income-driven repayment plan. These plans base your monthly student loan payments on your income and family size. In some cases, your payment could be as low as $0 per month.[NEWLINE][BOUNDARY][NEWLINE]user: Who should I contact if I have a question about withholding money from your tax refund or other federal payments?[NEWLINE]agent: For this, is better you get in contact with your loan holder, which is prepared to help you.[NEWLINE][BOUNDARY][NEWLINE]user: May I know if its possible for me to apply for this new loan consolidation even if I only had one loan?[NEWLINE]agent: Yes, loan consolidation allows you to pay off a federal student loan with a new consolidation loan[NEWLINE][BOUNDARY][NEWLINE]user: Another thing about loan. Typically, how much interest and fees are applied to loans?[NEWLINE]agent: Normally is 17.92% over the original amount of the loan.[NEWLINE][BOUNDARY][NEWLINE]user: This also applies for private collection companies?[NEWLINE]agent: The private collection agencies earn a commission for any payments you make.[NEWLINE][BOUNDARY][NEWLINE]user: I see... But if I want to look for more information, where I can found more information?


user: who do I complain to about a financial aid issue at my school?[NEWLINE]agent: Do you feel that your school is not administering federal student aid funds properly?[NEWLINE]user: no I have another problem with them[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE]user: I think they made a mistake with my eligibility so who do I talk to?[NEWLINE]agent: Do you think your school paid out your aid in the wrong amount, at the wrong time, or not at all?[NEWLINE]user: no, just feel they classified me wrong[NEWLINE]agent: Do you feel that your school has policies for federal student aid programs but isn’t following them?[NEWLINE]user: no because I got my application done but just feel there was a small mistake on how they did it[NEWLINE]agent: Do you believe your school has made false or misleading statements about the school’s educational programs or financial charges?[NEWLINE]user: NO. this is weird are you a chat bot? are you listening to me?[NEWLINE]agent: You may contact the Federal Student Aid Feedback Center or call 1-844-651-0077.[NEWLINE][BOUNDARY][NEWLINE]user: I'd like to ask you another question about (FAFSA4caster)? Could you please tell me how the questions on the forms work?[NEWLINE]agent: Sure, no problem. The questions you mean are those on fafasa4caster.[NEWLINE][BOUNDARY][NEWLINE]user: About the scholarships, where do they come from?


user: How can I make a complaint about how my college is handing out financial aid?[NEWLINE]agent: Do you feel your school is not adiministering federal student aid funds the way it is supposed to?[NEWLINE]user: Yes, I think they are not administering federal student aid properly.[NEWLINE]agent: I can give you some info that could help you determine how to solve your problem or submit a complaint.[NEWLINE][BOUNDARY][NEWLINE]user: I'd like to ask you another question for how will I receive my scholarship funds? Should my scholarship provider inform me of what to expect when my scholarship is awarded?[NEWLINE]agent: Yes, your scholarship provider should be the one to tell you what to expect when you have been awarded the scholarship.[NEWLINE][BOUNDARY][NEWLINE]user: What kinds of scholarships are available?[NEWLINE]agent: There are merit based scholarships by meeting certain standards and they could be based on academics or talent.[NEWLINE]agent: Do you know scholarships sometimes are geared to certain groups such women or graduate students.[NEWLINE]user: No, I was not aware of that.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: Can I look in my library's reference section as a source for scholarships?


user: My school didn't give me the right amount of financial aid. Who do I talk to to get it fixed?[NEWLINE]agent: So you believe that your financial aid has not been administered properly?[NEWLINE]user: I mean, I don't know exactly but it doesn't seem right.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE]user: I think the amount I was supposed to get more. And there is another student with the same name as me so I think maybe it was mixed up. What do I do?[NEWLINE]agent: Ok, then this could be a simple mixup or a case of identity theft. Does that sound right to you?[NEWLINE][BOUNDARY][NEWLINE]user: Can you tell me on who I can contact to know who is my loan servicer?[NEWLINE]agent: very easy call the FSAIC Federal Student Aid Information Center at 1 - 800 - 433 - 3243.[NEWLINE][BOUNDARY][NEWLINE]user: I did not get the correct amount and I think my college or vocational school is mismanaging my financial aid, this is not correct[NEWLINE]agent: It could also be a case of something calculated incorrectly in the financial aid amount.[NEWLINE][BOUNDARY][NEWLINE]user: Btw, do you know about the FSAI. What will you ask me about when I fill it?[NEWLINE]agent: The FAFSA questions ask for your name, date of birth, address, and about your financial situation.[NEWLINE][BOUNDARY][NEWLINE]user: Anything more to add to my complaint about how my college or career school is handling my financial aid. Yes, that's a possibility. All I need to do now is figure out who to contact to get it fixed.[NEWLINE]agent: The first step would be to contact your school's financial aid department to try and get it straightened out.[NEWLINE][BOUNDARY][NEWLINE]user: Is there any way I could get a deferment on my student loan payments?


user: Hello. I have some doubts about how to make a complain, about the management of my aid.[NEWLINE]agent: Do you think your school is not doing a good work in the administration of your federal student aid?[NEWLINE]user: No, not exactly that.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE]user: Is common to found that the schools calculate the loans or aids in a wrong way?[NEWLINE]agent: There has been any kind of problems with the amount or timing of the aids with you?[NEWLINE]user: Yes. I There are been some delays on the payments.[NEWLINE]agent: In this case, we need to check this.[NEWLINE][BOUNDARY][NEWLINE]user: sure, and what do loan servicers do? What can happen if I move around or something like that or if my circumstances change during the pay period?[NEWLINE]agent: If your circumstances change at any time during your repayment period, your loan servicer will be able to help update your information and provide guidance.[NEWLINE][BOUNDARY][NEWLINE]user: Okay, so the main issue I used to have was that my payments were not made on time.[NEWLINE]agent: Alright, no problem. You can contact with your school, to talk about that.[NEWLINE][BOUNDARY][NEWLINE]user: Okay, now could you please tell me more about the scholarships offered by private and non-profit organizations?


user: I am having a problem with the financial aid that I am receiving and specifically with the way my school is administering the funds from this aid. Is there anywhere that I can make a complaint?[NEWLINE]agent: Have you good reason to believe that your school is not performing as it should in the administration of your financial aid?[NEWLINE]user: Yes, I believe they are doing a very bad job of handling my financial aid[NEWLINE]agent: In that case, I will direct you to the relevant section on the website that deals with all things financial connected with schools, where you will find the relevant information necessary to help you[NEWLINE][BOUNDARY][NEWLINE]user: There is something else about federal student loans, how much can I hope to get in financial aid?[NEWLINE]agent: You can get aid that goes from $5,000 up to $20,500. That is for Direct Subsidized Loans, plus Direct Unsubsidized Loans.[NEWLINE]agent: The can be affected for various factors so, Are you a dependent student?[NEWLINE]user: No, i'm independent.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: O.k, Thinking on another thing, how can i know what to expect in requirements for a school i like?[NEWLINE]agent: That should be available on the school's website. You go online and check it out so you can get an idea about their plans and opportunities.[NEWLINE]user: I suppose that documentation is a must in these cases, like visas, for example?


user: Is it possible to submit a complaint about how my college is administering my financial aid?[NEWLINE]agent: Do you actually think your school is not administering federal student aid funds right?[NEWLINE]user: Yes, I believe they are not handling federal student aid correctly.[NEWLINE]agent: I have some info that could help you determine how to solve the problem or submit a complaint.[NEWLINE][BOUNDARY][NEWLINE]user: Ok.  Now I want to inquire about federal work-study jobs.  Am I able to work as many hours as I desire?[NEWLINE]agent: No. The amount you earn can't exceed your total Federal Work-Study award.[NEWLINE]agent: Are you wondering how work hours are assigned?[NEWLINE]user: Yes, please explain.[NEWLINE]agent: In order to do so, your employer or your school's financial aid office will consider your class schedule and your academic progress.[NEWLINE][BOUNDARY][NEWLINE]user: How can I find out if my school takes part in the work-study program?[NEWLINE]agent: Check with your school's financial aid office to find out if your school participates.[NEWLINE][BOUNDARY][NEWLINE]user: I'll do that. What about jobs that are off campus?


user: I have some suspicions on how my college is using my student aid. What can I do about it?[NEWLINE]agent: Do you think your school is not administering federal student aid funds properly?[NEWLINE]user: That's what I think, yes.[NEWLINE]agent: I can give you some information to help you solve your problem or file a complaint. First, you should contact your schooll and try to solve your doubts with them and if you still think that the funds are not being used correctly then contact the Federal Student Aid Feedback Center or call 1-844-651-0077[NEWLINE][BOUNDARY][NEWLINE]user: Ok, thanks. Now, what if I'm called to serve actively in the military, can I get a deferment of my federal loan?[NEWLINE]agent: Yes, you'll qualify for deferment of repayment on any of your federal loans if that happens.[NEWLINE][BOUNDARY][NEWLINE]user: ok now regarding the federal student loan, how much money can be requested?[NEWLINE]agent: The maximum amount you can borrow each year in Subsidized Direct Loans and Unsubsidized Direct Loans varies from $ 5,500 to $ 12,500 per year, depending on what year you are in school and your state dependency.[NEWLINE][BOUNDARY][NEWLINE]user: If I have more general questions about the HEAL Program?[NEWLINE]agent: contact the ED HEAL Program Team at 1 - 844 - 509 - 8957 or HEAL@ed.gov.[NEWLINE][BOUNDARY][NEWLINE]user: and what happens when i sign my promissory note?


user: how do I file a complaint on my school's financial aid office?[NEWLINE]agent: Do you believe your school is not administering federal student aid funds properly?[NEWLINE]user: no, not overall maybe they are but I think they messed my aid up[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE]user: what if I think they may have given some of my aid to someone else?[NEWLINE]agent: I can link you to a page where you can Learn about identity theft and how to report it to our Office of Inspector General Hotline[NEWLINE][BOUNDARY][NEWLINE]user: When I transfer my information to the FAFSA form, I can also learn about identity theft. Can I choose to import all my information into the FAFSA form?[NEWLINE]agent: You can choose this, and if you do, you will see "Transferred from the IRS" displayed in the relevant field rather than your tax information. No changes can be made to that information[NEWLINE][BOUNDARY][NEWLINE]user: Is it possible to just file a lawsuit because they didn't follow protocol and messed up what I was supposed to get?[NEWLINE]agent: Yes, you can submit a complaint if you feel that your school calculated your eligibility for federal student grants, loans, or work-study incorrectly[NEWLINE][BOUNDARY][NEWLINE]user: Could you give me some help or someone to call to help me learn about financial aid?[NEWLINE]agent: You can explore how financial aid works, learn about the types of aid, and find out if you are eligible and estimate what aid you might get at FAFSA4caster.[NEWLINE][BOUNDARY][NEWLINE]user: Is it right to say I'm dealing with school when it comes to financial assistance, or is it managed by the federal government?[NEWLINE]agent: Your college or career school not the U.S. Department of Education will distribute your financial aid.[NEWLINE][BOUNDARY][NEWLINE]user: Do you also have info on how to apply for army ROTC scholarships?


user: My Dad was in the military. I need to know if this qualifies me for any kind of financial aid for college.[NEWLINE]agent: For military families, scholarships and loan repayment assistance are available to you from several sources.[NEWLINE][BOUNDARY][NEWLINE]user: Where can I submit a complaint about ow my college is using my financial aid?[NEWLINE]agent: I can provide you with some information that may help you solve your problem or submit a complaint.[NEWLINE][BOUNDARY][NEWLINE]user: Got it. Is the Federal work for students offer a part-time work?[NEWLINE]agent: Yes, it provide part-time employment while you are in school.[NEWLINE][BOUNDARY][NEWLINE]user: Could I get a job on campus or off campus?[NEWLINE]agent: Actually you could get both.[NEWLINE]agent: Will you be working on campus?[NEWLINE]user: No I am not.[NEWLINE]agent: Then, will you work off campus?[NEWLINE]user: Yes, I am working off campus.


user: tell me about tax benefits for school purposes[NEWLINE]agent: Tax benefits can be used to get back some of the money you spend on tuition or loan interest or to maximize your college savings.[NEWLINE][BOUNDARY][NEWLINE]user: how much can I claim on the lifetime learning credit?[NEWLINE]agent: It allows you to claim up to $2,000 per student per year for tuition and fees, as well as for books, supplies, and equipment that were required for the course and had to be purchased from the school.[NEWLINE][BOUNDARY][NEWLINE]user: I have another question about tax benefits for school purposes that I'd like to ask. Where can I read more about college budgeting and what I should do?[NEWLINE]agent: I can share a link with you that will give you a lot of information about this particular subject[NEWLINE][BOUNDARY][NEWLINE]user: I want to find out if it will be worth my while going to college or not, or if I should take a job straight from school, is this something you could help me with?[NEWLINE]agent: College education is a long term investment and when planned carefully, can lead to success by choosing the correct school and funding options that suit you best[NEWLINE][BOUNDARY][NEWLINE]user: Is there any information you could give me regarding resources that there are for the parents of students?[NEWLINE]agent: Are you a parent of a child that will be attending college shortly or in the near future?[NEWLINE]user: Yes, I am in that category


user: I could use some tax benefits help[NEWLINE]agent: Okay, tax benefits can be used to get back some of the money you spend on tuition or loan interest or to maximize your college savings.[NEWLINE][BOUNDARY][NEWLINE]user: how do they help me?[NEWLINE]agent: They help offset the costs of college by reducing the amount of your income tax.[NEWLINE]agent: Did you miss filing a tax return this year?[NEWLINE]user: no I filed[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE]user: can you give me an example of one of these credits?[NEWLINE]agent: Okay, The Lifetime Learning Credit allows you to claim up to $2,000 per student per year for any college or career school tuition and fees, as well as for books, supplies, and equipment that were required for the course and had to be purchased from the school.[NEWLINE][BOUNDARY][NEWLINE]user: I see. Let me ask another question. How can I get that learning credit that I mentioned earlier?. What do I do if I forgot my security questions to change my password?[NEWLINE]agent: You will need to go through the FSA ID Account Recovery process. You’ll send in copies of identification, and the email address on your account will reset to one you can access.[NEWLINE][BOUNDARY][NEWLINE]user: can we get help with the forms if we have problems?


user: how can tax benefits help me?[NEWLINE]agent: They help you by getting you back some of the money you spend on tuition or loan interest or they can maximize your college savings.[NEWLINE][BOUNDARY][NEWLINE]user: what is the most I can claim as a credit?[NEWLINE]agent: The American Opportunity Credit allows you to claim up to $2,500 per student per year for the first four years of school.[NEWLINE][BOUNDARY][NEWLINE]user: Another question for you regarding student aid scams. I see. And how do I report fraud or identity theft?[NEWLINE][BOUNDARY][NEWLINE]agent: Do you want to report financial aid fraud?[NEWLINE]user: Yes, that was the plan.[NEWLINE]agent: A company charging for financial aid advice is not committing fraud unless it doesn't deliver what it promises.[NEWLINE]agent: Would you like to get more information about financial aid fraud or to report fraud?[NEWLINE]user: Yes, please.[NEWLINE]agent: Then you should contact the Federal Trade Commission and the Consumer Financial Protection Bureau.[NEWLINE][BOUNDARY][NEWLINE]user: I'd also like to change my FSA password. How do I do this?


user: Hi there. I'm looking information related to economic aid for college students.[NEWLINE]agent: Great. Well, yes, it is possible to get aids for your college studies, for tuition and maximize your college savings.[NEWLINE][BOUNDARY][NEWLINE]user: This tuition programs, do you bring help about it?[NEWLINE]agent: Yes, you can always ask to the financial aid office or admissions staff about this topic.[NEWLINE][BOUNDARY][NEWLINE]user: Another thing to consider when changing your FSA ID password if it has been shared. What can they do if they have my FSA ID number?[NEWLINE]agent: They can make changes to your account without your permission.[NEWLINE][BOUNDARY][NEWLINE]user: Can you also help me with these places that offer to help you with your student loans?[NEWLINE][BOUNDARY][NEWLINE]agent: Do you need help identifying a potential Student Loan scam?[NEWLINE]user: yes I was contacted by a place that doesn't seem legit


user: Are there any tax benefits that I can avail of when paying for education?[NEWLINE]agent: Yes there are, you can earn tax benefits to get back some of the money you have spent on education, which will maximize your college savings[NEWLINE][BOUNDARY][NEWLINE]user: Where can I find more information on Qualified Tuition Programs?[NEWLINE]agent: The best advice is to contact the financial aid or admissions staff at your school, they can help you with all of this[NEWLINE][BOUNDARY][NEWLINE]user: I am interested in the Student Loan Interest Deduction scheme, can you give me further information about this please?[NEWLINE]agent: If you took out a student loan for yourself, your spouse or your dependent, you can avail of a tax deduction for any interest that was paid on these loans. This tax benefit applied to all loans that were taken out for education, not just federal student loans. The maximum deduction that you can avail of is $2,500 per year[NEWLINE][BOUNDARY][NEWLINE]user: That's great to hear! Another query concerning FSA ID details. What can anyone do with my FSA ID number?[NEWLINE]agent: They can make changes to your account without your permission.[NEWLINE][BOUNDARY][NEWLINE]user: Can you also help me with these places that offer to help you with your student loans?[NEWLINE][BOUNDARY][NEWLINE]agent: Do you need help identifying a potential Student Loan scam?[NEWLINE]user: yes I was contacted by a place that doesn't seem legit


user: Is it true the IRS provides tax benefits for education?[NEWLINE]agent: Yes and the tax benefits could be used to get back some money you spent on tuition or loan interest.[NEWLINE][BOUNDARY][NEWLINE]user: What are Qualified Tuition Programs?[NEWLINE]agent: A QTP or 529 Plan is established by a state or school so you are able to prepay or save up to pay for your education related expenses and once withdrawn for school it will not be taxed.[NEWLINE]user: How will I know if my college I plan on going to takes part in the QTP?[NEWLINE]agent: Just ask your financial aid office or admission staff.[NEWLINE][BOUNDARY][NEWLINE]user: OK thank you. I would also like to find out about student loans. How can I find out which is the best payment plan option for me?[NEWLINE]agent: The checklist will guide you through this. It will also provide you with information about making payments.[NEWLINE][BOUNDARY][NEWLINE]user: Who handles the billing and services for my federal student loans?[NEWLINE]agent: Your loan servicer is responsible for this. In most cases, you will have one loan servicer for al of your federal student loans, but it is possible that you could have more than one.[NEWLINE][BOUNDARY][NEWLINE]user: When do you begin paying on most loans?


user: I want to know about tax benefits and school costs[NEWLINE]agent: Tax benefits can be used to get back some of the money you spend on tuition[NEWLINE][BOUNDARY][NEWLINE]user: do you have anything about a savings plan for school?[NEWLINE]agent: Yes, I can help you learn more about state 529 plans[NEWLINE][BOUNDARY][NEWLINE]user: What information should be reported if it is stolen?[NEWLINE]agent: You should quickly report all lost or stolen IDs to the issuer or even to the police if appropriate.[NEWLINE][BOUNDARY][NEWLINE]user: What should I do if my FSA ID or password has been shared?[NEWLINE]agent: It is best to log in to your account using your username and password and once logged in change your account information so no one else can access it.[NEWLINE]agent: Does someone else have access to your FSA ID information?[NEWLINE]user: No, not that I know of.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: What if I have questions or need help with my student loans?


user: tell me about college tax benefits[NEWLINE]agent: Tax benefits can be used to get back some of the money you spend on college.[NEWLINE][BOUNDARY][NEWLINE]user: tax credits?[NEWLINE]agent: Tax credits is one way to offset the costs of college or career school by lowering the amount of your income tax.[NEWLINE]agent: null[NEWLINE]user: no[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE]user: what's one way to use a tax credit?[NEWLINE]agent: You can use the American Opportunity Credit it allows you to claim up to $2,500 per student per year for the first four years of school as you work toward a degree.[NEWLINE][BOUNDARY][NEWLINE]user: I see, and I would like to know what college options I can choose to apply for credit?[NEWLINE]agent: You have a variety of college options, from two-year community and junior colleges, to four-year colleges and universities, to technical, vocational, and trade schools.[NEWLINE][BOUNDARY][NEWLINE]user: Great. I've also seen some checklists on the website. What are they good for?


user: what will the time it takes to repay a loan look like?[NEWLINE]agent: Payments are fixed and made for up to 10 years or between 10 and 30 years for consolidation loans.[NEWLINE]agent: Would you like to know how this benefits you?[NEWLINE]user: no just wanted to know how long it takes[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: what loans are eligible for the standard repayment plan?[NEWLINE]agent: Several loans from the Direct Loan Program and the FFEL Program are eligible for the Standard Repayment Plan[NEWLINE][BOUNDARY][NEWLINE]user: Do you also know about these federal student loan repayment plans, 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: hi[NEWLINE]agent: hi[NEWLINE]agent: hi[NEWLINE]user: hi[NEWLINE]agent: hi[NEWLINE][BOUNDARY][NEWLINE]user: Are you aware of FFEL Program Loans? Can you tell me if unsubsidized Federal Student Loans also meets the eligibility for Income-Sensitive Repayment?[NEWLINE]agent: Yes, they are eligible for Income-Sensitive Repayment.[NEWLINE][BOUNDARY][NEWLINE]user: Is it okay if I ask another question? in relation to the William D. Ford Federal Direct Loan (Direct Loan) and Federal Family Education Loan (FFEL) programs.[NEWLINE]agent: hi[NEWLINE][BOUNDARY][NEWLINE]user: ok, another thing, to obtain the Graduated Payment Plan, does this include subsidized loans from the Direct Loan Program?[NEWLINE]agent: Yes it is eligible.[NEWLINE][BOUNDARY][NEWLINE]user: is there anything else about loans?[NEWLINE]agent: hi[NEWLINE][BOUNDARY][NEWLINE]user: hi[NEWLINE]agent: hi[NEWLINE]user: I see, that very wide then. May I ask if other student loans can be included here?


user: Hi, I am looking for more information regarding the Standard Repayment Plan that is available through the FSA?[NEWLINE]agent: For your information, payments in a Standard Repayment Plan are fixed and are made for up to 10 years, repayments can be made between 10 and 30 years for any consolidated loans[NEWLINE]agent: Are you looking for the repayment plan that will ensure that you pay the least amount of interest over the lifetime of the borrowing?[NEWLINE]user: Yes, that would certainly be my intention[NEWLINE]agent: With the Standard Repayment Plan, you will pay the least amount of interest over the life of the loan[NEWLINE][BOUNDARY][NEWLINE]user: I understand that standard plan interests me, how can I get more information if I have loans from the FFEL Program owned by the US Department of Education?[NEWLINE]agent: You would have to contact your loan servicer.[NEWLINE][BOUNDARY][NEWLINE]user: All right. In terms of laws and regulations, what are the monthly payment guidelines for combined loans?[NEWLINE]agent: There are rules and regulations that must be followed that I can go through with you now if you would like?[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: Good to know, regarding monthly Payments for consolidation loans, what can happen if I have a consolidated Loan from the Direct Loan Program or a consolidated FFEL Loan?[NEWLINE]agent: In this instance, the length of the repayment period will depend on the amount of borrowing that is outstanding, known as your total education loan indebtedness, this debt includes any student loan debt you may have that is joined to your consolidation loan[NEWLINE]user: What is included in borrowing that is not part of a Consolidation Loan?[NEWLINE]agent: This would include any federal loan that you would have that is not included in the consolidation loan, or any private student loan that you may have availed of[NEWLINE][BOUNDARY][NEWLINE]user: What are the terms of the Federal Education Loan, with the exception of consolidation loans?


user: I need some help understanding the Standard Repayment Plan.[NEWLINE]agent: The Standard Repayment Plan is a basic repayment plan where payments are fixed and made for no longer than 10 years.[NEWLINE]agent: Would you like to know more about this plan?[NEWLINE]user: Yes, that would be very helpful.[NEWLINE]agent: The Standard Repayment Plan gives you the benefit of paying off your loans in a shorter amount of time, so that you pay the least amount of interest on your loan.[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: All right, regarding eligible federal loans, for the repayment plan, are the loans that are subsidized by the Direct Loan Program eligible?[NEWLINE]agent: Yes, they are.[NEWLINE][BOUNDARY][NEWLINE]user: Another payment-related query. Would I be eligible for a discount if I signed up for debit withdrawal of my payments?[NEWLINE]agent: Yes, you would receive.25% interest rate deduction on Direct Loans and you should contact your loan servicer for more information.[NEWLINE][BOUNDARY][NEWLINE]user: Could you tell me if the standard repayment plan may have a higher monthly payments than my current loan payments?[NEWLINE]agent: Yes, you will see a slight increase in your monthly payments. However, this allows you to pay off your loan faster.[NEWLINE]user: How else can a Standard Repayment Plan benefit me?[NEWLINE]agent: As I've mentioned before, your payments will be slightly higher, but you end up paying less interest. This will allow you to save money in the long run.[NEWLINE][BOUNDARY][NEWLINE]user: How does the plan work with consolidation loans?


user: I need to find out what exactly is the Standard Repayment Plan that is available through the FSA?[NEWLINE]agent: Under the Standard Repayment Plan, the payments to your loan are fixed and are made for up to 10 years, and can be made between 10 and 30 years for consolidation loans[NEWLINE]agent: Are you looking for the cheapest option that is available in relation to repayments of your student loan?[NEWLINE]user: I haven't studied it fully so far, but was just looking for general information at present[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: How do monthly payments on Consolidation Loans work?[NEWLINE]agent: There are certain rules and conditions that must be met when making monthly payments to a Consolidated Loan[NEWLINE]agent: Do you have a Direct Consolidation Loan or an FFEL Consolidation Loan?[NEWLINE]user: No, I have neither at the moment[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: What are the advantages of the Standard Repayment Plan when repaying a Federal Direct Loan or FFEL Program Loan?[NEWLINE]agent: The Standard Repayment Plan saves you money in the long term as your monthly repayments may be slightly higher through this plan than others. This means that your loan will be repaid over a shorter term, which in turn means that you will pay less interest over the life of the loan[NEWLINE][BOUNDARY][NEWLINE]user: That was one of the things that worried me the most about how much I was going to pay for the loan, but if they are going down great. Can you tell me what the income-based plan is?[NEWLINE]agent: It is primarily about providing the lowest payment amount, consult your business manager for advice on the matter.[NEWLINE][BOUNDARY][NEWLINE]user: Very well. I would also like to know when to make payments. Is there a way to get an interest rate deduction on a Direct Loan?


user: tyufffdgh[NEWLINE]agent: Sure, no problem. You need to know that the payments of the loans are fixed and made for up to 10 years and for 10 an 30 years for consolidation loans.[NEWLINE]agent: Are you already paying or about to start paying your loan?[NEWLINE]user: Yes, that's right, I'm about to, but I would like to know the condition of the payments, specially the timing.[NEWLINE]agent: Alright. Well, talking about the interest you will pay, this will be the least amount of interest over the life of your loan.[NEWLINE][BOUNDARY][NEWLINE]user: I would like to know if when I obtain an alternative plan for the payment of my loan, it changes?[NEWLINE]agent: Under this alternative repayment plan, your required monthly payment is not based on your income.[NEWLINE][BOUNDARY][NEWLINE]user: How does the standard repayment plan benefit me?[NEWLINE]agent: We can offer you a repayment plan that will help you save money over time because your monthly payments may be slightly higher than payments under other plans, this will make you pay it faster.[NEWLINE]user: I have another question about FFEL Program loans. That plan might be ideal for making lower payments,? don't you think?[NEWLINE]agent: Absolutely. If you're a Federal Family Education Loan Program user, then you could for this reduced payments plan.[NEWLINE]user: If I want a lower loan repayment plan, do I have the option to choose?[NEWLINE]agent: Yes, that's right.[NEWLINE]user: And how much I will have to pay?[NEWLINE]agent: you will pay the least amount of interest over the life of your plan.[NEWLINE][BOUNDARY][NEWLINE]user: And what is the monthly plan?


user: Good afternooon. I would like to know more about repayment plans for loans on certain federal programs, please.[NEWLINE]agent: No problem. The basic information about it, is that you have the standard repayment plan where payments are fixed and made for up to 10 years between 10 and 30 years for those loans which are in consolidation.[NEWLINE]agent: Do you know why's that?[NEWLINE]user: Yeah, I know. I read somewhere that this action will allow me to pay the least amount of interest in my loan, is that right?[NEWLINE]agent: That's correct. You are very well informed.[NEWLINE][BOUNDARY][NEWLINE]user: How do I figure out how much I'll have to pay?[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: Okay,  good. Now, regarding consolidation loans, is it the same for those Direct Consolidation or FEEL Consolidation loans?[NEWLINE]agent: Not quite. In those cases, the length of your repayment period will be determined depending on the amount of your total education loan indebtedness. That includes the amount of your consolidation loan and your other student loan debt.[NEWLINE][BOUNDARY][NEWLINE]user: I'd like to learn more about this Plan as well. What is the best way to locate my lender's contact information?[NEWLINE]agent: You can find this information on your My Federal Student Aid account.[NEWLINE][BOUNDARY][NEWLINE]user: Oh well. I'd like to ask if whenever I take out a loan, I have the option of repaying it however I want, right?[NEWLINE]agent: Certainly, you can. You have options for doing the choosing when is time to repay your loan. That's when you make use of the plans.[NEWLINE][BOUNDARY][NEWLINE]user: SO, lets say i go for these plans under the standard repayment thing, What do i get there?[NEWLINE]agent: To be more specific there, your payments by the month would be in a fixed amount of at least $50 each month and made for up to 10 years for all loan types. However, Direct Consolidation and FEEL Consolidation loans are excepted.[NEWLINE][BOUNDARY][NEWLINE]user: Then, to check sure this. I'll save money for abiding this standard plan, I'm right?


user: Hi There. I have been looking information about something called standard plan.[NEWLINE]agent: Sure, no problem. The standard repayment plan is the basic repayment plan there is.[NEWLINE]agent: Are you looking information about how are fixed the payments?[NEWLINE]user: Yes, I'm looking information about that too.[NEWLINE]agent: Great! You need to know that the payments are fixed and made up to be for up 10 years and even 30 years, paying the less amount of interest over the the life of your loan.[NEWLINE][BOUNDARY][NEWLINE]user: This proposal needs more detail, so I need to learn more about it. What if I have loans from the FFEL Program that aren't owned by ED?[NEWLINE]agent: You should then contact your lender of the loans.[NEWLINE][BOUNDARY][NEWLINE]user: ok, something else, regarding FFEL Consolidation Loans, how much do I have to pay? How is the mechanism at the time of consolidating my loan?[NEWLINE]agent: For this plans you will hay to pay at least $50 every month for 10 years for all loans.[NEWLINE][BOUNDARY][NEWLINE]user: That's great to hear! Another loan paymnet related issue. I see what you mean. What if I'm unable to make any payments at all?[NEWLINE]agent: In that case, you have to contact with your loan servicer to find out your options.[NEWLINE][BOUNDARY][NEWLINE]user: Okay, that's it. The direct loan is also something I'd like to know. That appears to be rational. But how do I know if I'm eligible for one of these loans?[NEWLINE]agent: You can use the loan simulator to estimate your eligibility and choose the loan repayment plan that better suits you.[NEWLINE][BOUNDARY][NEWLINE]user: This is for all the loans?[NEWLINE]agent: Yes, it is, except for the direct consolidation loans and feel consolidation loans.[NEWLINE][BOUNDARY][NEWLINE]user: I see, so if I take one of those I have to pay much more?


user: tell me about payments on the repayment plan[NEWLINE]agent: Payments will be fixed and made for up to 10 years, or between 10 and 30 years for consolidation loans.[NEWLINE]agent: null[NEWLINE]user: no[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: can I do a standard repayment plan on a ffel plus loan?[NEWLINE]agent: Yes, the FFEL PLUS loan is eligible for the Standard Repayment Plan.[NEWLINE]user: I got it. Another question about Eligible Federal Loans. 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: hi[NEWLINE]agent: hi[NEWLINE]user: hi[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: hi[NEWLINE]agent: hi[NEWLINE][BOUNDARY][NEWLINE]user: I have a brother who wants to complete his FAFSA form as well; is there a way to move any of the information from my form to his?[NEWLINE]agent: Yes. At the end of the submitting process, you'll get a confirmation page and there you'll see an option for the parent information in your FAFSA form that you can use to transfer this information automatically into another student's application.[NEWLINE][BOUNDARY][NEWLINE]user: What are the differences between federal and private student loans?[NEWLINE]agent: Federal student loans are made by the government, with terms and conditions that are set by law, and include many benefits such as fixed interest rates and income - driven repayment plans not typically offered with private loans.[NEWLINE]user: I see, one last question, how much can I borrow?[NEWLINE]agent: Try This Resource Federal Student Loan Programs Lists federal student loan programs with loan details and award limits.[NEWLINE][BOUNDARY][NEWLINE]user: By the way, what advantages do federal loans have over private student loans? what type of entities would lend private loans?[NEWLINE]agent: Well, you can find these option to be lend by banks, credit union, state agencies or even schools.[NEWLINE][BOUNDARY][NEWLINE]user: So, you assure me that federal loans would be of more benefit then? Instead of private?


user: Hi there, I am trying to decide whether a federal student loan will be more advantageous for me over a private student loan for college and was looking for some information to help me decide[NEWLINE]agent: Are you seeking a loan to help pay your expenses for college?[NEWLINE]user: Not at the moment, but the matter may arise in the future[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: Are there many differences between federal and private student loans, and where would I get all the relevant information about these borrowings?[NEWLINE]agent: The government makes federal loans available, the terms and conditions of which are set out by the law. You can avail of a lot of benefits with a federal loan, such as fixed interest rates and income-driven repayments, which you won't find with private student loans. Private loans are offered by financial institutions whose terms and conditions are governed by the financial institution themselves[NEWLINE][BOUNDARY][NEWLINE]user: How can you provide temporary relief to student loan borrowers during the COVID-19 national emergency?[NEWLINE]agent: To achieve this, federal student loan borrowers are automatically being placed in an administrative forbearance, which allows you to temporarily stop making your monthly loan payments. This suspension of payments will last from March 13, 2020, through Sept. 30, 2020, but you can still make payments if you choose.[NEWLINE]user: Could you explain the details on what kind of support am I getting in federal student loan over private student loans, when I apply for student financial assistance?[NEWLINE]agent: It's quite likely that your school would include a student loan as part of your financial aid package, but it is important to understand the differences between federal loans and private student loans[NEWLINE][BOUNDARY][NEWLINE]user: I see. Let me ask another question. for envelope for loans not owned by ED. What if I have HEAL loans in default?[NEWLINE]agent: Then you should contact the Debt Collection Center for help with account-related questions.[NEWLINE][BOUNDARY][NEWLINE]user: Do you know how I get a federal student loan? what is the procedure?[NEWLINE]agent: The first step of the application process is to complete the Free Application for Federal Student Aid FAFSA form. This form will also give you further information about applying for aid[NEWLINE][BOUNDARY][NEWLINE]user: Does my school choose one type of student loan over another in respect of any financial aid package that I might be offered?


user: I have some questions about federal student loans.[NEWLINE]agent: I can help you with that. Are you the student in need of a loan to pay for college?[NEWLINE]user: No, my son will be taking out the loan.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: Should my son take out federal student loans?[NEWLINE]agent: Yes. It's always recommended that you start with federal loans.[NEWLINE][BOUNDARY][NEWLINE]user: Another question, relating to student loan scam, what kinds of blunders can be found in business communications?[NEWLINE]agent: they often contain spelling and grammatical errors.[NEWLINE][BOUNDARY][NEWLINE]user: Sure. Now I need to ask about on how do I get a federal student loan? What are the process so my son become eligible for federal loans?[NEWLINE]agent: His first step will be to fill out the Free Application For Federal Student Aid(FAFSA).[NEWLINE][BOUNDARY][NEWLINE]user: In relation to the Free Application for Federal Student Aid, to gain access to the application, what information do I need?[NEWLINE]agent: Be sure you have your FSA ID when you sign in, along with your username and your password, so your application be processed as quick as possible.[NEWLINE][BOUNDARY][NEWLINE]user: Are you aware of federal student loans? What distinguishes federal loans from private loans?[NEWLINE]agent: All federal student loans and parent loans are funded by the federal government.[NEWLINE][BOUNDARY][NEWLINE]user: Okay. How else do they differ?


user: I need help with figuring out how student loans work.[NEWLINE]agent: Will you be the one taking out the loan for college?[NEWLINE]user: No, my daughter will be going to college.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: How can she become eligible for federal student loans?[NEWLINE]agent: Do you know how federal loans work?[NEWLINE]user: Yes, somewhat.[NEWLINE]agent: Great. The first thing your daughter needs to do is fill out a FAFSA form.[NEWLINE][BOUNDARY][NEWLINE]user: Alright, thank you.  I'd also want to find out about types of aid and work study jobs please.[NEWLINE]agent: You work as a way to earn money to help you pay for school[NEWLINE][BOUNDARY][NEWLINE]user: Okay, that's it. I'd also like to know what the loan terms are. What are the differences between private and federal loans?[NEWLINE]agent: Unlike federal loans, private loans are made by a private lender. Each private loan could differ by lender and by type of loan, so it's very important that you and your daughter understand the terms of the loan.[NEWLINE][BOUNDARY][NEWLINE]user: What is the situation with the scholarships?


user: Is it true federal student loans offer advantages over private student loans?[NEWLINE]agent: Do you need a loan to help with college?[NEWLINE]user: No, at this time just looking at the differences?[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: Can you tell me the differences in federal and private student loans?[NEWLINE]agent: Federal student loans are made by the government, with terms set by law, and would include a benefit of fixed interest rates and income-driven repayment plans. Private loans are made by private organizations such as banks, credit unions and have terms set my the lender.[NEWLINE][BOUNDARY][NEWLINE]user: Another question about student loan, who will make the loan for us? Is it the school? Or the federal government?[NEWLINE]agent: Student loans can come from the federal government, from private sources such as a bank or financial institution, or from other organizations.[NEWLINE]user: One more thing when it comes to paying for college, career school, or graduate school, federal student loans can offer several advantages over private student loans. What if I would like to apply for financial aid through the school?[NEWLINE]agent: Your school will include student loans as part of your financial aid package.[NEWLINE][BOUNDARY][NEWLINE]user: Do you know about student loans and more. What are the different types of help that are available through the FSA?[NEWLINE]agent: Grants are aids that are available, based on need. These typically don't have to be repaid[NEWLINE][BOUNDARY][NEWLINE]user: What are the differences between federal and private student loans? What distinguishes federal loans from private loans?[NEWLINE]agent: Federal loans offer a fixed interest rate and income-driven repayment plans not offered by private loans.  Private loans are given out by banks which set their own terms.[NEWLINE][BOUNDARY][NEWLINE]user: How do I get a federal loan?


user: Are there any advantages to having a federal student loan over a private student loan?[NEWLINE]agent: Will you be seeking to take out a loan to help pay for your college education?[NEWLINE]user: Not at the moment, I am just looking for information[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: What are the actual differences between federal student loans and private student loans?[NEWLINE]agent: Federal student loans are offered by the Government. The terms and conditions of these loans are governed by the law. Benefits of these loans may include fixed interest rates and income-driven repayment plans which are not typically offered with private student loans. Private loans are offered by financial institutions and have their conditions governed by the lender themselves[NEWLINE][BOUNDARY][NEWLINE]user: Also, do you know if there is a fee for this loan? What are some significant dates that I should be aware of?[NEWLINE]agent: Loans first disbursed prior to Oct. 1, 2017, have different loan fees[NEWLINE][BOUNDARY][NEWLINE]user: I'd also like to learn more about private loans. Is there any way you could give me a rundown of the differences?[NEWLINE]agent: There is a chart on the website that provides a summary of both loans and how they differ[NEWLINE][BOUNDARY][NEWLINE]user: What should I keep in mind when applying for federal student loans? What happens when I sign my promissory note?[NEWLINE]agent: When you sign your promissory note, you agree to repay the loan in accordance with the terms of the note, even if you did not, or did not, get a job after completing the program. I don't like the education you received.[NEWLINE][BOUNDARY][NEWLINE]user: To borrow money to pay for college or career, is there a loan from  Direct Parent Loan?[NEWLINE]agent: Yes, these are known as Federal parent loans and are Direct PLUS Loans aimed at parents[NEWLINE][BOUNDARY][NEWLINE]user: Are there many differences between federal and private student loans?


user: Why would I opt for a federal loan over a private student loan to help with my college education?[NEWLINE]agent: Are you currently seeking a  loan to help with your college education?[NEWLINE]user: Yes, I am starting the process now[NEWLINE]agent: You should consider federal loans first[NEWLINE]user: What type of loan is offered to me through a financial aid package, should I receive one?[NEWLINE]agent: It is quite likely that your school will offer you a student loan as part of any financial aid package you receive. You should inform yourself of the different loan options that there are in the marketplace. Generally, there are two types of student loans available, federal and private[NEWLINE]user: Alright. I have another question about FSA program. What are things I should know just in case I decide to take out through the FSA program?[NEWLINE]agent: When taking out a loan, you must fully understand who the loan is being taken by and the terms and conditions of the borrowing. There are a number of sources of student loans, these being the federal government, private sources such as banks or financial institutions and other organizations[NEWLINE][BOUNDARY][NEWLINE]user: Is there a limit to how much I can borrow if I am a graduate or professional student?[NEWLINE]agent: As a graduate or professional student, you can borrow up to $20,500 each year with a Direct Unsubsidized Loan. You may also use a Direct PLUS Loan on the remainder of your college expenses, which is not covered by other financial aids in the market[NEWLINE]user: How do I know which loan is right for me as a graduate or professional student?


user: Hi there. I'm looking some information about what has more advantages if the private or federal aids for students loans.[NEWLINE]agent: Sure, no problem. Are you looking for information because you need a loan to help you pay for college?[NEWLINE]user: Yes, that's right. And I'm looking to see which one gives me better options.[NEWLINE]agent: Great! Well, we can tell you that you should consider the federal loans first.[NEWLINE][BOUNDARY][NEWLINE]user: Is it possible for me to cancel a loan if I no longer need it?[NEWLINE]agent: Absolutely, if you do it before your money is disbursed you can cancel all or part of your loan at any time.[NEWLINE][BOUNDARY][NEWLINE]user: How do I apply for a loan?[NEWLINE]agent: Would you like to apply for a Direct Loan?[NEWLINE]user: Yes, I want to apply for a Direct Loan.[NEWLINE]agent: You must first complete and submit the FAFSA form and your school will use the info to determine how much student aid you are eligible for and the Direct Loan is usually included as part of the financial aid package.[NEWLINE][BOUNDARY][NEWLINE]user: What if I want to cancel my loan because it is less than I need?


user: I want to know more about false certification discharge of a loan[NEWLINE]agent: I can help you learn more about false certification discharge to see whether you might qualify[NEWLINE][BOUNDARY][NEWLINE]user: how do I apply for a direct loan discharge?[NEWLINE]agent: You need to complete the loan discharge application that applies to your situation[NEWLINE][BOUNDARY][NEWLINE]user: what if I'm not given a loan discharge?[NEWLINE]agent: If you do not receive a loan discharge you are responsible for repaying your loan.[NEWLINE]agent: Do you need more information to be prepared if you think you were wrongly denied a loan discharge?[NEWLINE]user: no it's good[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: what are ways to get a discharge?[NEWLINE]agent: There are three categories of false certification through which you might be eligible for a discharge of your Direct Loans or FFEL Program loans[NEWLINE][BOUNDARY][NEWLINE]user: Okay, that's fine. Now, in regards to the Perkins Loan servicer, what do they do?


user: can you help me with a loan discharge?[NEWLINE]agent: Yes, we can give you false certification discharge information to see whether you might qualify[NEWLINE]user: can I get a direct loan discharged?[NEWLINE]agent: You might be eligible for a discharge of your loan made under the William D. Ford Federal Direct Loan Program if your school falsely certified your eligibility to receive a loan.[NEWLINE][BOUNDARY][NEWLINE]user: there's something I need to ask. When my old school closed, I transferred the credits to my new program at a new school, Since the closing of my school was not my fault, does this mean that I would be no longer eligible for discharge of the loans I took out at the closed school?[NEWLINE]agent: No. ransfer of credits from the closed school to a completely different program of study at the new school does not disqualify you for discharge.[NEWLINE][BOUNDARY][NEWLINE]user: What if I received a diploma without completing the program? Does that make me ineligible?[NEWLINE]agent: No. Before closing, some schools may issue a diploma or certificate to students who did not complete the program of study.[NEWLINE][BOUNDARY][NEWLINE]user: What if I meet the eligibility requirements for a closed school discharge and want my loans discharged?[NEWLINE]agent: Then you should contact your loan servicer about applying for a closed school discharge now instead of waiting for three years to receive an automatic closed school discharge.[NEWLINE][BOUNDARY][NEWLINE]user: I see. And what should I ask for when contacting my loan servicer?


user: My school filled out the paperwork for my school loans wrong. Do I still have to pay the loans back?[NEWLINE]agent: In the instance of a false certification, you may qualify for the discharge of your federal student loans. Would you like to learn more?[NEWLINE][BOUNDARY][NEWLINE]user: Actually, my mom and dad took out the loan to help me, but the paperwork is still wrong. Does that make a difference?[NEWLINE]agent: A PLUS loan taken out by a parent could still be discharged in the case of a false certification.[NEWLINE][BOUNDARY][NEWLINE]user: by the way for the Public Service Loan Forgiveness (PSLF) how can I submit the form?[NEWLINE]agent: Submit the completed form, with your employer's certification, to FedLoan Servicing, the federal loan servicer for the United States Department of Education for the PSLF Program. You can mail the form to this address:[NEWLINE]agent: FedLoan Servicing Already Your Administrator?[NEWLINE]user: yes[NEWLINE]agent: You can upload your PSLF application or Employment Certification Form on your website.[NEWLINE][BOUNDARY][NEWLINE]user: and who will certify my employment?[NEWLINE]agent: Often it will be someone from the human resources department, although in some cases your direct supervisor or someone else may be authorized to certify your employment. Check with your organization to see who can certify your Employment Certification Form.[NEWLINE][BOUNDARY][NEWLINE]user: What if you don't regularly submit the Employment Certification Form?


user: Goo evening. I recently found out that my school apparently requested a student loan on my behalf without me knowing. Is there something I can do about that?[NEWLINE]agent: Certainly, you can. You may be eligible for a discharge of such loan, all based on that false certification.[NEWLINE][BOUNDARY][NEWLINE]user: That's a relief. But, I don't stop thinking if I could be rejected on my claim. If that happens, what then?[NEWLINE]agent: If that's your scenario, then I'm afraid you'll remain as responsible for repaying your loan.[NEWLINE]agent: Do you have any proof of negligent denial or something you can add to your discharge case?[NEWLINE]user: No, i'm not affected by that. I was just asking.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: Well, in any case, what i must do if  i want to apply for a discharge? I mean, you never know.[NEWLINE]agent: If you have a loan and wan to apply for a discharge, you must complete the loan discharge which goes with you circumstance.[NEWLINE][BOUNDARY][NEWLINE]user: There is something else about Direct Subsidized Loans. hi[NEWLINE]agent: In that case, at least you provide direct and personal educational services to students, you won't be considered as a teacher.[NEWLINE][BOUNDARY][NEWLINE]user: So, is mandatory a field of expertice?


user: I would like to get further information on my eligibility for a discharge of my federal student loan, based on false certification, could you help me in this regard?[NEWLINE]agent: You can learn more about false certification discharges and the eligibility surrounding them on this website, please go to the relevant section[NEWLINE][BOUNDARY][NEWLINE]user: And do you know what the eligibility requirements are to qualify for a loan discharge due to false certification?[NEWLINE]agent: In total, there are three categories of false certification. You may be eligible for discharge of your Direct Loan or FFEL Program Loan through one of these categories[NEWLINE][BOUNDARY][NEWLINE]user: What if I initially enrolled in a program, but decided not to continue with that program and transferred to another?[NEWLINE]agent: If you were then unable to complete the second program because the school closed, only loans you received for the second program could potentially be discharged.[NEWLINE][BOUNDARY][NEWLINE]user: Can I still get a discharge of the loans if my school closes down and I enroll in a similar program at another school?[NEWLINE]agent: Well, it depends.[NEWLINE]user: Let's be more specific then. What if I completed a similar program through a teach-out?[NEWLINE]agent: In that case, by transferring academic credits or hours from the closed school, or by any other comparable means, you are not eligible for a closed school discharge.[NEWLINE]user: Could I still be eligible for a discharge somehow?


user: How can I find out if I am eligible for a discharge of me federal student loan due to false certification?[NEWLINE]agent: There is a section on the website dedicated to this topic which will tell you if you are eligible for this[NEWLINE][BOUNDARY][NEWLINE]user: What is the best way for me to apply for a loan discharge?[NEWLINE]agent: You will need to contact your loan servicer to pursue this[NEWLINE]user: Is it easy to apply for a loan discharge?[NEWLINE]agent: Do you have a Direct Loan or FFEL Program loan and wish to apply for a loan discharge due to false certification?[NEWLINE]user: Yes, that is exactly what I am looking to do[NEWLINE]agent: When applying for a discharge, you will need to complete the loan discharge application that is relevant to your own personal circumstance[NEWLINE][BOUNDARY][NEWLINE]user: Another question, what should I do if I am prepared to cancel the unpaid refund?[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: I want to see about a student loan discharge[NEWLINE]agent: I can help you learn more about false certification discharge to see whether you might qualify[NEWLINE][BOUNDARY][NEWLINE]user: can I be helped if I am the parent of a student and the loan was to me?[NEWLINE]agent: Yes, we can help you[NEWLINE][BOUNDARY][NEWLINE]user: If my school closes and I enroll in a similar program at another school, will I still be able to get a discharge of the loans I took out at the closed school?[NEWLINE]agent: It depends. If you completed or are in the process of completing a comparable program of study at another school through a teach - out, by transferring academic credits or hours from the closed school, or by any other comparable means, you are not eligible for a closed school discharge. What if I completed a teaching-out program at another school?[NEWLINE]user: But am I still eligible for a discharge at least?[NEWLINE]agent: You may be eligible for discharge if you completed or are in the process of completing a comparable program at another school.[NEWLINE][BOUNDARY][NEWLINE]user: What if I initially enrolled in a program, but decided not to continue with that program and transferred to another program?[NEWLINE]agent: If you were also unable to complete Program B because the school closed, only loans you received for Program B could potentially be discharged.[NEWLINE][BOUNDARY][NEWLINE]user: I've received a certificate without completing the program. Do I qualify for a loan discharge in that case?


user: How can I find out if I am eligible for a discharge of my federal loan, based on false certification?[NEWLINE]agent: We have a dedicated section on our website for false certification discharge, which will inform you whether you qualify or not[NEWLINE][BOUNDARY][NEWLINE]user: What exactly is refunded if my loan is discharged?[NEWLINE]agent: The entire remaining balance of your loan is cleared and any payments made on the loan are refunded[NEWLINE]user: Who qualifies as a teacher? What if I'm in charge of a team of people?[NEWLINE]agent: In that case, you are not considered a teacher unless you primarily provide direct and personal educational services to students.[NEWLINE][BOUNDARY][NEWLINE]user: What is the eligibility for teacher cancellation based on?


user: What criteria have to be met to become eligible for a discharge of a federal student loan based on false certification?[NEWLINE]agent: We have a section on our website that covers off all the information you will need in this regard[NEWLINE][BOUNDARY][NEWLINE]user: Is it possible that any part of my parent PLUS loan could be discharged due to false certification?[NEWLINE]agent: To the best of your knowledge, do you know if the school falsely certified the student's ability to benefit from its training?[NEWLINE]user: No, I don't have that information or evidence as of yet[NEWLINE]agent: Did the student in question have a disqualifying status at the time your school certified your eligibility to receive the parent PLUS loan?[NEWLINE]user: No, not to my knowledge, but it is something I could check out[NEWLINE]agent: Do you have any evidence of the school having signed your name on a promissory note or other loan documentation without your authorization?[NEWLINE]user: Yes, I do have evidence of this[NEWLINE]agent: null[NEWLINE][BOUNDARY][NEWLINE]user: About loan, What if I change my mind?