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][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 we get to choose a payment plan?[NEWLINE]agent: You have the option to choose a repayment plan. If you don’t choose a repayment plan your loan servicer places you on the Standard Repayment Plan.[NEWLINE]user: should I just let them leave me on the standard plan?[NEWLINE]agent: The Standard Repayment Plan saves you money over time because your monthly payments may be slightly higher than payments made under other plans, but you will pay off your loan sooner. You end up paying the least amount of interest over the life of your loan.[NEWLINE][BOUNDARY][NEWLINE]user: can I use other loans to have you look at when you work out the repayments on a Direct Consolidation Loan?


user: hi[NEWLINE]agent: hi[NEWLINE]agent: hi[NEWLINE]user: hi[NEWLINE]agent: hi[NEWLINE]user: hi[NEWLINE]agent: hi[NEWLINE][BOUNDARY][NEWLINE]user: hi[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: What are the guidelines around monthly payments for consolidated 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]user: What if I have a Direct Consolidated Loan or FFEL Consolidated 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: Are Direct Subsidized Loans eligible for the repayment plan?[NEWLINE]agent: Yes, they are.[NEWLINE][BOUNDARY][NEWLINE]user: Will my monthly payments be higher 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][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][BOUNDARY][NEWLINE]user: What are the advantages of the Standard Repayment Plan when repaying a Federal Direct Loan or FFEL Program 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]user: And how this will help 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: But I will be able to choose a repayment plan?[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: Is 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: Oh, i see. Kind of complicated, huh?. Oh, well. Say, whenever i get a loan, i can choose how i want to repay it, 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: Oh, That's great. But how much do I have to pay for that?[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 sounds fair. But How I can know if I have the chance to get one of this 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][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: what about direct subsidized loans?[NEWLINE]agent: Yes, they are eligible[NEWLINE][BOUNDARY][NEWLINE]user: how do I report school loans I want taken into consideration when my repayment period is worked out for a direct consolidation loan?[NEWLINE]agent: You need to list those loans on your consolidation application in the section for listing loans that you do not want to consolidate, but want to be considered in the determination of your repayment period.[NEWLINE]user: what kind of loans can I list on there?


user: hi[NEWLINE]agent: hi[NEWLINE]user: hi[NEWLINE][BOUNDARY][NEWLINE]user: hi[NEWLINE]agent: hi[NEWLINE][BOUNDARY][NEWLINE]user: hi[NEWLINE]agent: hi[NEWLINE][BOUNDARY][NEWLINE]user: Umm, I see. And which kind of persons 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][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: What type of funding is included if I apply for student financial aid?[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: What is the process required for getting a federal loan for my college attendance?[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][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: How can 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: How do federal loans differ 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][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: How do private loans differ from 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: Are there any federal student loans available for graduate students?


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][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: What if I 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: What makes federal loans better than private loans?[NEWLINE]agent: Federal loans offer a fixed interest rate and income-driven repayment plans not offered by private loans.  Private loans are given out by banks which set their own terms.[NEWLINE][BOUNDARY][NEWLINE]user: 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][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]user: Is there any summary of the differences that you could give me?[NEWLINE]agent: There is a chart on the website that provides a summary of both loans and how they differ[NEWLINE][BOUNDARY][NEWLINE]user: Is there any Direct Loan that a parent can take out for their child?[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: What 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: 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]user: Alright thanks for your recommendation. But how the loans will help me with my school?[NEWLINE]agent: Well... Is very likely that your school will likely include the student loans as part of your financial aid package.[NEWLINE][BOUNDARY][NEWLINE]user: I see, that's would be very nice. But how do I get a federal loan?[NEWLINE]agent: To get a federal loan you must first complete the free application for federal student aid fafsa form.[NEWLINE][BOUNDARY][NEWLINE]user: So, it's much better if I go with a federal loan?[NEWLINE]agent: Yes, because are much easier to get.[NEWLINE][BOUNDARY][NEWLINE]user: But, which are the differences of one and another?


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][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: is one of them for them doing things without my signature?


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: can a parent plus loan be discharged too if the school lied?[NEWLINE]agent: Did a school falsely certify a student's ability to benefit from its training?[NEWLINE]user: we believe so[NEWLINE]agent: Yes, some or all of your parent PLUS loan might be discharged if that is true.[NEWLINE][BOUNDARY][NEWLINE]user: how do we apply for a direct loan discharge?[NEWLINE]agent: You need to complete the loan discharge application that applies to your circumstance.[NEWLINE]user: is bad signatures or lack of signatures a reason to get a discharge?


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]user: So it doesn't matter that my parents helped get the loan?[NEWLINE]agent: It won't matter whether it was you or your parents who actually took out the loan. If the school falsely represented the benefits you would get from studying there in order for you to take out the loan, it can be discharged.[NEWLINE]user: Yes! They told me I would be able to use my credits to transfer to a bigger school after, but I found out when I tried to transfer that they weren't even accredited and my credits aren't worth anything![NEWLINE]agent: Was there anything that would have made you ineligible to receive a loan at the time that it was issued?[NEWLINE]user: I don't think so. My parents didn't say anything about that happening when they applied for the loan for me.[NEWLINE]agent: Did you sign your name to any of the loan paperwork at the time the loan was obtained?[NEWLINE]user: I just remembered something! My mom said there was a part I had to sign and to expect a call from the school to go to the office and sign it. After a week, I called the office myself because they never got in touch with me. They said it had been taken care of and not to worry about it.


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][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: Right, right, because there are so much types, i guess. Well, if i'm eligible, How much i can aspire to discharge?[NEWLINE]agent: Have you met the eligibility requirements?


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: Is it possible that my parent PLUS loan could be discharged due to false certification?[NEWLINE]agent: Have you evidence that the school in question falsely certified your son/daughter's ability to benefit from its training?[NEWLINE]user: No, I don't have evidence at this point[NEWLINE]agent: Is it the case that the student in question had a disqualifying status at the time that the school certified your eligibility to receive the parent PLUS loan?[NEWLINE]user: Yes, this is the case actually[NEWLINE]agent: null[NEWLINE][BOUNDARY][NEWLINE]user: If I have a strong suspicion that a loan was made in my name as a result of identity theft, who do I contact?


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: If I get approval for a loan discharge, how much of my loan will be discharged?[NEWLINE]agent: Have you met the eligibility requirements for a discharge on your loan?


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: one of my problems is that I think they have done things without my consent or don't I have to sign off on things, so what can I do?[NEWLINE]agent: You can Complete the Loan Discharge Application: False Certification Unauthorized Signature/Payment form if you believe that an employee of the school that determined your eligibility for the loan signed your name on the promissory note or other loan documents without your authorization[NEWLINE][BOUNDARY][NEWLINE]user: do they discharge the entire loan if they did something wrong?[NEWLINE]agent: Do you know if you meet the eligibility requirements for a discharge?[NEWLINE]user: I do, I think[NEWLINE]agent: If you receive a loan discharge the entire remaining balance of your loan will be discharged, and any payments made on the loan will be refunded.[NEWLINE][BOUNDARY][NEWLINE]user: so the unauthorized signature form can be for someone messing with my loan?


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: Is there a minimum or maximum amount that is refunded if I am approved for a loan discharge?[NEWLINE]agent: Upon approval of a loan discharge, whatever balance is outstanding along with whatever repayments you made to the loan are refunded[NEWLINE][BOUNDARY][NEWLINE]user: Is it possible that a parent PLUS loan could be discharged?[NEWLINE]agent: Have you evidence that the school falsely certified the student's ability to benefit from its training?[NEWLINE]user: No, I have no evidence as yet[NEWLINE]agent: Do you know if the student in question had a disqualifying status at the time that the school in question certified the eligibility to receive a parent PLUS loan?[NEWLINE]user: I don't know the answer to this but will be making enquiries to find out[NEWLINE]agent: Is there any evidence available that the school signed your name on the promissory note or other loan documents without having your authorization?[NEWLINE]user: No evidence to my knowledge, but again, I will be looking in to this


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: What requirements  need to be met for me to become eligible to qualify for a discharge of my loan based on false certification?


user: I want a loan discharge please[NEWLINE]agent: Okay, you can first learn more about false certification discharge to see whether you might qualify[NEWLINE][BOUNDARY][NEWLINE]user: where can I apply for a discharge if I didn't get anything from the training?[NEWLINE]agent: You would apply for a Loan Discharge Application: False Certification Ability to Benefit[NEWLINE][BOUNDARY][NEWLINE]user: can I appeal if denied?[NEWLINE]agent: You may ask the U.S. Department of Education to review the denial[NEWLINE][BOUNDARY][NEWLINE]user: so can I ask for a discharge if the training didn't help me because I had issues ongoing of my own?[NEWLINE]agent: You might qualify for a discharge on the Disqualifying status category.[NEWLINE][BOUNDARY][NEWLINE]user: are all loans able to be discharged?[NEWLINE]agent: Loans made under the William D. Ford Federal Direct Loan Program or Federal Family Education Loan Program are eligible for a discharge.[NEWLINE][BOUNDARY][NEWLINE]user: and I apply where you said?[NEWLINE]agent: Do you have a Direct Loan or FFEL Program loan and are you ready to apply for the false certification discharge?


user: Who do I make a student loan payment to?[NEWLINE]agent: It is very simple, all you have to do is work with your federal loan servicer.[NEWLINE][BOUNDARY][NEWLINE]agent: Do you know where to send your student loan payment?[NEWLINE]user: No, I have no idea who to send my student loan payment to.[NEWLINE][BOUNDARY][NEWLINE]user: Where do send my other loan servicer payments?[NEWLINE]agent: You would need to find your loan servicer contact info they sent to you.[NEWLINE]user: Is there any discounts to have automatic debit with Direct Loans?[NEWLINE]agent: Yes, you can get a.25% interest rate deduction if you have automatic debit.[NEWLINE][BOUNDARY][NEWLINE]user: Can I make a payment to Great Lakes and Nelnet in one place?[NEWLINE]agent: Yes, we are now accepting payments for federally-owned student loans that are being serviced by Great Lakes or Nelnet.[NEWLINE][BOUNDARY][NEWLINE]user: Is there an easy way to not miss a payment?


user: If I want to make a Student Loan Payment, how do I go about this?[NEWLINE]agent: This is a very simple process that can be done at any time. You should start by consulting your federal loan servicer[NEWLINE][BOUNDARY][NEWLINE]agent: Are you fully aware of where to send your student loan payments?[NEWLINE]user: Yes, I'm fairly sure, thanks[NEWLINE]agent: Just to let you know, all the billing aspects of your student loan are looked after by your student loan servicer. Your servicer will help you if you assistance in making any payments[NEWLINE][BOUNDARY][NEWLINE]user: How do I make a payment to a Direct Loan?[NEWLINE]agent: Yes there is, you will receive a 0.25% interest rate deduction if you set up an automatic direct debit to your Direct Loan[NEWLINE][BOUNDARY][NEWLINE]user: Is there a way to make a payment to a Great Lakes or Nelnet Loan without going through the FSA website?[NEWLINE]agent: It could happen that we cannot accept a payment to this loan due to your account status. If you'd prefer, you can always make a payment on your servicer's website, all you need to do is log in to your Great Lakes or Nelnet account online[NEWLINE][BOUNDARY][NEWLINE]user: Are there any bonuses available to me if I set up regular payments to my Direct Loan?[NEWLINE]agent: Yes, a bonus is available, please consult the website to find out more[NEWLINE]user: How do I make a payment to Other Loan Servicers?


user: I need a bit of help making a payment to my Student Loan, I wonder if you could help me?[NEWLINE]agent: It's very easy to make a payment to your Student Loan, firstly, the best place to start is by contacting your loan servicer[NEWLINE][BOUNDARY][NEWLINE]agent: Do you know where to send payments to?[NEWLINE]user: I'm really not sure, I haven't done this before[NEWLINE][BOUNDARY][NEWLINE]user: Are there any bonuses available to making regular payments to my Direct Loan through other loan servicers?[NEWLINE]agent: Yes, there is a bonus, if you would like further information, I can direct you where to go[NEWLINE]user: Is there any incentive for me to set up a direct debit to make payments to my Direct Loan with Other Loan Servicers?[NEWLINE]agent: If you set up a direct debit you will receive a 0.25% interest rate deduction on your Direct Loan[NEWLINE][BOUNDARY][NEWLINE]user: Who do I contact to organize making payments to my student loan?[NEWLINE]agent: All of the billing elements of your student loan are handled by your loan servicer. You are advised to contact them to find out more and get any help you may need[NEWLINE][BOUNDARY][NEWLINE]user: Is there a section on the website dedicated to servicing my Great Lakes or Nelnet Loan?


user: Is it easy to make a student loan payment?[NEWLINE]agent: It is very easy to pay toward your student loan at any time and you can get started by working with your federal loan servicer.[NEWLINE][BOUNDARY][NEWLINE]agent: Did your loan servicer get in contact with you to where you send the loan payments?[NEWLINE]user: No, they did not yet send me the information.[NEWLINE][BOUNDARY][NEWLINE]user: Can you tell me if I can make Great Lakes or Nelnet payments on your site now?[NEWLINE]agent: Yes, we are now accepting payments for student loans that are serviced by Great Lakes or Nelnet and you can go to your dashboard to find it.[NEWLINE][BOUNDARY][NEWLINE]user: How can I make a payment to other loan servicers?[NEWLINE]agent: First, find you loan servicer's contact information.[NEWLINE]user: what happens when I use automatic debit?[NEWLINE]agent: You could get some kind of incentive if you use automatic debit.[NEWLINE]user: Is there a bonus available for automatic debit?


user: my student loan payments are due[NEWLINE]agent: It’s simple to pay toward your student loan at any time. You can get started by working with your federal loan servicer.[NEWLINE][BOUNDARY][NEWLINE]agent: Did you need information about where to send your payments?[NEWLINE]user: no, I'm ready to pay[NEWLINE][BOUNDARY][NEWLINE]user: can you help with Great Lakes loans?[NEWLINE]agent: yes, or you can log in to your Great Lakes account to pay on your servicer's website[NEWLINE][BOUNDARY][NEWLINE]user: how do I find a Great Lakes loans contact info?[NEWLINE]agent: I can link you to a page to help you Find Your Loan Servicer's Contact Info[NEWLINE][BOUNDARY][NEWLINE]user: if you don't take my payment does that mean they won't take it either?[NEWLINE]agent: If we aren’t able to accept your payment due to your account status you can pay on your servicer’s website[NEWLINE][BOUNDARY][NEWLINE]user: is there an automatic payments option?


user: I am looking to make a Student Loan Payment, is this an easy process and what is involved?[NEWLINE]agent: This is indeed an easy process, you make a payment to your Student Loan at any time, you need to contact your federal loan servicer to get this process started[NEWLINE][BOUNDARY][NEWLINE]agent: Do you know where to send payments to regarding your student loan?[NEWLINE]user: I think I do, but is there anything else I should know?[NEWLINE]agent: Your Student Loan is handled by your student loan servicer. They will help you if you wish to make a payment to the loan[NEWLINE][BOUNDARY][NEWLINE]user: Is there any advantage to having a Direct Loan in relation to making payments?[NEWLINE]agent: If you have a Direct Loan, you can avail of a 0.25% interest rate deduction if you make payments by way of an automated direct debit[NEWLINE]user: Is that a bonus that is unique to Direct Loans?[NEWLINE]agent: Yes, as mentioned, this bonus is there for those who make payments to their Direct Loan by way of automated direct debits[NEWLINE][BOUNDARY][NEWLINE]user: Is the process for making payments different if I have a Great Lakes or Nelnet loan?[NEWLINE]agent: The process is basically the same as any loan, payments are now being accepted for Great Lakes and Nelnet loans. You can find more information on this on your account dashboard[NEWLINE]user: Is there any other way for me to make a payment to my Great Lakes or Nelnet loan?


user: I am looking to make a student loan payment, can you tell me how this works?[NEWLINE]agent: It is very easy to make payments at any time, you should contact your federal loan servicer to get this process underway[NEWLINE][BOUNDARY][NEWLINE]agent: When making a payment to your student loan, do you know where to send the payment?[NEWLINE]user: No, I'm not aware of this, can you help me?[NEWLINE][BOUNDARY][NEWLINE]user: Is there any incentive for me to make a payment to other loan servicers?[NEWLINE]agent: Yes, there is a bonus available if you agree to regular payments[NEWLINE]user: What is this bonus?[NEWLINE]agent: When you participate in automatic debit payments, you will get a 0.25% interest rate deduction[NEWLINE][BOUNDARY][NEWLINE]user: Can payments be made to Great Lakes or Nelnet loans at any stage and how do I go about this?[NEWLINE]agent: We are currently accepting payments for these loans, more information is available on your account dashboard[NEWLINE][BOUNDARY][NEWLINE]user: Who do I need to contact in relation to making a payment to my student loan?


user: What does it mean to make a student loan payment?[NEWLINE]agent: It's easy to pay off your student loan at any time. Start by working with your federal loan servicer.[NEWLINE][BOUNDARY][NEWLINE]agent: Do you know where to send payments?[NEWLINE]user: thanks but the question doesn't apply to me[NEWLINE][BOUNDARY][NEWLINE]user: What is important to keep in mind when I find my loan manager's contact information?[NEWLINE]agent: Never miss a payment. Sign up for automatic debit through your federal loan manager so that your payments are automatically taken from your bank account[NEWLINE][BOUNDARY][NEWLINE]user: By what method can I make the payment?[NEWLINE]agent: Make a payment to Great Lakes or Nelnet[NEWLINE][BOUNDARY][NEWLINE]user: and Where to send the payments?[NEWLINE]agent: Your student loan manager handles all the bills related to your student loan. Your administrator can work with you if you need help making a payment[NEWLINE][BOUNDARY][NEWLINE]user: How do I make a payment to other lenders?


user: Hi, I need to start making payments on my student loan but am unsure how to do this, could you please help.[NEWLINE]agent: That's great that you want to start repaying your loan. It is easy to make payments on your loan at any time. To get started contact your federal loan servicer and they will help you.[NEWLINE][BOUNDARY][NEWLINE]agent: Do you know where to send your payments to?[NEWLINE]user: No, I don't know.[NEWLINE][BOUNDARY][NEWLINE]user: Can I make a payment through Great Lakes or Nelnet?[NEWLINE]agent: Yes it is now possible for you to make payments to Great Lakes or Nelnet.[NEWLINE][BOUNDARY][NEWLINE]user: If I don't want to use Great Lakes or Nelnet is it possible to make a payment with another loan servicer?[NEWLINE]agent: Yes you can. You can also get a 0.25% interest rate deduction when you  participate in automatic debit.[NEWLINE][BOUNDARY][NEWLINE]user: Where can I find out more about payments to Great Lakes or Nelnet?[NEWLINE]agent: If you have an account with Great Lakes or Nelnet visit your account dashboard for more information.[NEWLINE][BOUNDARY][NEWLINE]user: Is there a way that I can make sure that I never miss a payment of my loan?


user: Hey there. I'm looking some help about how to fill in a correct way the application for federal student aid.[NEWLINE]agent: sure, we can help you to go through it.[NEWLINE]agent: Are you ready to start filling your fafsa form right now?[NEWLINE]user: No yet, I'm just consulting to know what to do when the time comes to fill the form.[NEWLINE][BOUNDARY][NEWLINE]user: Alright, thanks. Do I need any particular condition or use any particular thing when I fill the form?[NEWLINE]agent: Not really. But if you use to have pop-up blocker in your browser, make sure it allow you to see the pop-ups from fafsa.ed.gov[NEWLINE][BOUNDARY][NEWLINE]user: Do you bring any special tool or something?[NEWLINE]agent: Yes, you can use some free tools like those we offer you.[NEWLINE][BOUNDARY][NEWLINE]user: OK, what data do I need to get access to the application?[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: Have the fsa id, will help anyhow?


user: Can you help me review what I need to do with my FAFSA form?[NEWLINE]agent: Sure, we can review what you have to do.[NEWLINE]user: I am ready to fill out my FAFSA form now.[NEWLINE]agent: Then you should get started![NEWLINE]user: Is it hard to fill out the FAFSA?[NEWLINE]agent: It is an easy and straightforward process to fill out the FAFSA and you just need to select the Fill Out the FAFSA button on the home page and just follow the directions on the page.[NEWLINE][BOUNDARY][NEWLINE]user: What if I am a dependent student?[NEWLINE]agent: You would need your parents' social security number.[NEWLINE][BOUNDARY][NEWLINE]user: What do financial information do I need to fill out the 20219-20 FAFSA form?[NEWLINE]agent: You would need you 2017 tax information.[NEWLINE][BOUNDARY][NEWLINE]user: Do I need to report my parents' info?[NEWLINE]agent: Are you a dependent student?


user: I am not sure what to expect when I fill out my FAFSA form.[NEWLINE]agent: Then we shall review what to expect when filling out the FAFSA form.[NEWLINE]agent: Are you ready to fill out your FAFSA form now?[NEWLINE]user: Yes, I am ready to fill it out now.[NEWLINE]agent: Let's move ahead and go for it![NEWLINE][BOUNDARY][NEWLINE]user: What if I have a dramatic change in my family's financial situation since filed taxes?[NEWLINE]agent: Complete the FAFSA questions as required and submit the form and then get in contact with the school and talk to the financial aid about your situation.[NEWLINE][BOUNDARY][NEWLINE]user: Do I need to report mine and my parents information if I am a dependent student?[NEWLINE]agent: Yes you would need to report yours and your parents information on the application.[NEWLINE][BOUNDARY][NEWLINE]user: If I am a dependent student do I report my parents info on the FAFSA form also?[NEWLINE]agent: Yes, you will need to report your parent info and you can visit our page on reporting parent information to find out who counts as your parent and what to do if you don't live with your parents, and what to do if you do not have access to their financial info.[NEWLINE][BOUNDARY][NEWLINE]user: How many schools can I list on my FAFSA and will each school receive my info?


user: I need to know more about the FAFSA form.[NEWLINE]agent: Sure, we can help you know what to expect.[NEWLINE]user: I think I'm ready to do it now, how can I access the form?[NEWLINE]agent: Just go to the website and click the Fill Out the FAFSA button on the home page.[NEWLINE][BOUNDARY][NEWLINE]user: I have a brother that also needs to fill his FAFSA form, is there a way to reuse some of our common info 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: So we can also use an app?[NEWLINE]agent: Yes, you can find the 2020-21 and 2019-20 FAFSA forms on the myStudentAid app, available for android and IOS on their respective app stores.[NEWLINE][BOUNDARY][NEWLINE]user: Great, thanks. Are there any more resources avalable  on how to fill the FAFSA form?[NEWLINE]agent: D you want to know about our free tools to help you fill out the FAFSA form?[NEWLINE]user: Yes, please.


user: I need help with the fafsa application[NEWLINE]agent: I can help you go over the FAFSA form[NEWLINE]user: do I just fill it out and then what?[NEWLINE]agent: Yes, fill it out and then I can help you if you have any questions.[NEWLINE][BOUNDARY][NEWLINE]user: what will I be asked about when I fill it out?[NEWLINE]agent: The FAFSA questions ask for your name, date of birth, address, and about your financial situation.[NEWLINE]agent: Would you like to know what other information it may ask?[NEWLINE]user: yes[NEWLINE]agent: It may also ask you whether you’re a U.S. citizen or what tax form you used[NEWLINE][BOUNDARY][NEWLINE]user: what will I enter if I get a FSA id and do the fafsa online?[NEWLINE]agent: You will be given the option to enter your FSA ID or to enter your “identifiers” like your name, date of birth, and SSN.[NEWLINE]user: I do the 'I am the student' part only?


user: Hi, I wonder if you could help, I am currently completing the FAFSA form but I'm not fiully sure what I have to do, could you help me?[NEWLINE]agent: I will go through everything with you to let you know what information is expected on this form[NEWLINE]agent: Are you able to fill information on your FAFSA form now?[NEWLINE]user: Yes, I have the form here in front of me[NEWLINE]agent: Ok, let's proceed![NEWLINE][BOUNDARY][NEWLINE]user: What happens if the student or parent on the FAFSA form filed 2018 taxes as married but this marriage is no longer in force?[NEWLINE]agent: In a case like this, the spousal income information needs to be subtracted[NEWLINE][BOUNDARY][NEWLINE]user: What happens when I log into my FAFSA form using my FSA ID?[NEWLINE]agent: When using your FSA ID for this purpose, information such as your name, Social Security number and date of birth will be automatically loaded into your application. This prevents any errors occurring when your verified FSA ID doesn't match the information on your FAFSA form[NEWLINE][BOUNDARY][NEWLINE]user: Is there a specific section for help on the website for completing the FAFSA form?[NEWLINE]agent: Do you need some help filling out the FAFSA form?


user: If I am unsure of what to do when completing the FAFSA form, is there somewhere I can get help with it?[NEWLINE]agent: I will go through with you now the information that is needed on the form[NEWLINE]agent: Are you in a position to complete the FAFSA form now?[NEWLINE]user: Yes, I have it to hand as we speak[NEWLINE]agent: Ok, let's get started[NEWLINE][BOUNDARY][NEWLINE]user: Is there somewhere I can go on the website to get help when filling out the form?[NEWLINE]agent: There are free tools available on the website to help you with completion[NEWLINE][BOUNDARY][NEWLINE]user: Is there important information needed when I'm creating my FSA ID?[NEWLINE]agent: You need to take care when entering your name and Social Security number exactly as they appear on your Social Security Card[NEWLINE][BOUNDARY][NEWLINE]user: What type of financial information is sought when completing the FAFSA form?[NEWLINE]agent: The form will look for information on cash at hand, any savings and checking accounts that you may have. Information will also be sought on stocks and bonds. You will be asked about real estate, but excepting the home in which you live. Any business and farm assets will be sought from you and your parents if you are a dependent student[NEWLINE][BOUNDARY][NEWLINE]user: Is there any advantage to me for setting up an FSA ID before I begin?


user: I'm unsure about completing a FAFSA form, is there any information that you could give me?[NEWLINE]agent: I can review all aspects of what is needed with you if you have a few moments?[NEWLINE]agent: Have you got the FAFSA form with you currently and are you able to complete it as we speak?[NEWLINE]user: Ye, I have the form here beside me[NEWLINE]agent: Ok, let's proceed![NEWLINE]user: Just to be clear, where was the best place to find the most recent FAFSA form?[NEWLINE]agent: When you go online, you select the Fill Out the FAFSA button on the home page and then follow the instructions on the screen[NEWLINE][BOUNDARY][NEWLINE]user: What is the first step in completing the FAFSA form, after locating the FAFSA form online?[NEWLINE]agent: After going to fafsa.gov, you will be given the option of entering your FSA ID or either to enter your name, date of birth and SSN[NEWLINE][BOUNDARY][NEWLINE]user: When automatically transferring my Tax information on the FAFSA form, 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 there anything different that I need to do if I am a dependent student?


user: Can you assist me with filling out my FAFSA form?[NEWLINE]agent: Of course. Let's review what to expect.[NEWLINE]agent: Are you ready to fill out your FAFSA form now?[NEWLINE]user: No, I need to know a few things first.[NEWLINE][BOUNDARY][NEWLINE]user: What if I'm a dependent student?[NEWLINE]agent: Then you'll need to report parent information on your FAFSA form. Visit our page on reporting parent information to find out who counts as your parent, what to do if you don't live with your parents, and what to do if you don't have access to your parents financial information.[NEWLINE][BOUNDARY][NEWLINE]user: Got that. And what can I expect when filling out the FAFSA form?[NEWLINE]agent: Filling out the FAFSA form can be a straightforward and easy process. Select the Fill Out the FAFSA button on the home page, and just follow the directions on the screen. We do have some tips to help you along the way, though.[NEWLINE]user: What if I prefer a mobile app?[NEWLINE]agent: The 2020/21 and 2019/20 FAFSA forms are on the myStudentAid app, available on the App Store iOS or on Google Play Android.[NEWLINE]user: Should I fill out the FAFSA?


user: Hi there, I'm looking information of how many scholarships can I apply for.[NEWLINE]agent: Sure, no problem. You can apply for as many as you want, but you need to have very present the how they work and have very present the deadlines.[NEWLINE][BOUNDARY][NEWLINE]user: Ok, and how the money from the loans is send to me?[NEWLINE]agent: That will depend of the scholarship you have, it can go to your school or directly to you. That's information you need to have clear.[NEWLINE][BOUNDARY][NEWLINE]user: Oh, I see... That's cool. But how do I apply for scholarships?[NEWLINE]agent: Each scholarship is different and has their own requirement. So you will have to go to the website of every scholarship to know which are the terms they ask.[NEWLINE][BOUNDARY][NEWLINE]user: Alright, I get it. But if I have more questions during the process?[NEWLINE]agent: You can always go to your financial aid office, to get a personal attention.[NEWLINE][BOUNDARY][NEWLINE]user: I see. And can you tell me what kind of scholarships are available?[NEWLINE]agent: They will depend, there some merit-based scholarships, which will depend on you earning or exceeding certain standards set by the scholarship[NEWLINE]agent: Did you know there are also some scholarships for girls?


user: Should I consider applying for as many scholarships as I want because it is free money for college?[NEWLINE]agent: Yes, start researching early and meet the deadlines and you could have scholarship success.[NEWLINE][BOUNDARY][NEWLINE]user: If I have any more questions you can't answer who do I talk to?[NEWLINE]agent: You should ask your financial aid office those questions.[NEWLINE][BOUNDARY][NEWLINE]user: Are there different ways to find scholarships?[NEWLINE]agent: Yes there are different ways to find scholarships such as contacting the financial aid office at the school you want to attend and also checking info at the library or online.[NEWLINE][BOUNDARY][NEWLINE]user: Will my scholarships affect my other student aid?[NEWLINE]agent: Yes, a scholarship would affect your other student aid because you student aid added together with scholarships should not be more than the cost of attendance.[NEWLINE][BOUNDARY][NEWLINE]user: How would my scholarship money get to me?[NEWLINE]agent: It actually relies on the scholarship and sometimes the money goes directly to your college and distributed to tuition and fees and then leftover funds given to you or it could be sent to you in a check.[NEWLINE]agent: Has your scholarship provider not tell you what to expect?


user: Is it reasonable to think I should apply for as many scholarships as I can because it is free money for college?[NEWLINE]agent: Yes, and I would start researching early and meet deadlines for success in getting scholarships.[NEWLINE][BOUNDARY][NEWLINE]user: Are there different kinds of scholarships available?[NEWLINE]agent: Some scholarships you have to earn them by meeting or exceeding certain standard set by the giver and merit scholarships might be awarded based on academic achievement or on talents and academics.[NEWLINE]agent: Did you know some scholarships are just for women or graduate students?[NEWLINE]user: No, I actually did not know that information.[NEWLINE][BOUNDARY][NEWLINE]user: How do I apply for a scholarship?[NEWLINE]agent: Each scholarship really has its own requirements and the scholarships website should give you an idea of who qualifies and how to apply.[NEWLINE][BOUNDARY][NEWLINE]user: Will a scholarship affect my other student aid?[NEWLINE]agent: Yes a scholarship will affect how much your other student aid is because everything added together should not be more than the cost of attendance.[NEWLINE]agent: Do you have more questions?[NEWLINE]user: Yes, I have more questions that need to be answered.


user: Would I be wise to apply for as many scholarships as I can because it is free money?[NEWLINE]agent: Yes, it is wise and start researching early and meet deadlines and you should have a successful scholarship search.[NEWLINE][BOUNDARY][NEWLINE]user: What types of scholarships are available?[NEWLINE]agent: Some are available to you because of where your parents work or because you come from a certain  background such as military families.[NEWLINE][BOUNDARY][NEWLINE]user: How would I receive my scholarship money?[NEWLINE]agent: It depends totally on the scholarship and the money might go directly to the college or it might be sent directly to you in a check.[NEWLINE]agent: Have you not been told by your scholarship provider about what to expect?[NEWLINE]user: No, I have been told.[NEWLINE][BOUNDARY][NEWLINE]user: Does the US Department of Labor have a free scholarship search tool?[NEWLINE]agent: Yes, the U S Department of Labor has a free scholarship search tool available to you.[NEWLINE][BOUNDARY][NEWLINE]user: What if I have more questions?


user: Should I research early to get as many scholarships as I can?[NEWLINE]agent: Yes, start researching early and always meet the deadlines and you should be successful in looking for scholarships.[NEWLINE][BOUNDARY][NEWLINE]user: Can I use financial aid office at the college I want to attend to find scholarships?[NEWLINE]agent: Most definitely you should contact the financial aid office for find scholarships avaialable.[NEWLINE][BOUNDARY][NEWLINE]user: Should my scholarship provider tell me what to expect when it awards my scholarship?[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][BOUNDARY][NEWLINE]user: Can I look in my library's reference section as a source for scholarships?


user: Is it worth my while to apply for as many scholarships as possible, or will this go against me?[NEWLINE]agent: The best advice is for you to start early research into what scholarships are available[NEWLINE][BOUNDARY][NEWLINE]user: Does a scholarship affect my student aid and if it does, to what extent?[NEWLINE]agent: If you are awarded a scholarship, you need to inform your school of this. They will then subtract the amount of the scholarship from the financial aid that you have been offered. Any amount of funding that is left over can be covered by other financial aid, which you will still be eligible for[NEWLINE]user: Where does the funding from a scholarship go to?[NEWLINE]agent: The scholarship funds are used to pay for the cost of attendance and also take over what other financial aid would cover, for example, loans that you may have been offered[NEWLINE]user: Am I eligible to apply for a scholarship along with student aid, or is it possible to get both?[NEWLINE]agent: A scholarship does affect your student aid as you cannot earn more in financial aid than the cost of your attendance at college or career chool[NEWLINE]agent: Do you have any questions in relation to scholarships and how they affect other funding?[NEWLINE]user: Yes, I do, can you help me?[NEWLINE]agent: The best advice is for you to contact your financial aid office in your school, they will have all the necessary information[NEWLINE][BOUNDARY][NEWLINE]user: Are there different types of scholarships that are available or are they all just basically the same?


user: Should I apply for a scholarship? Do you have any advice about it?[NEWLINE]agent: Yes, it's a good idea to apply for as many scholarships as you can since is free money for college or career school. You should start researching as soon as possible and meet deadlines so you can have higher chances of scholarship success.[NEWLINE][BOUNDARY][NEWLINE]user: Would a scholarship affect my other student aid?[NEWLINE]agent: Yes, it would because all of your student aid added together can't be more than your cost of attendance at your college or career school.[NEWLINE]agent: Do you have any more questions about this?[NEWLINE]user: I think that's enough for now, thanks.[NEWLINE][BOUNDARY][NEWLINE]user: Now, can you tell me how to get my scholarship money?[NEWLINE]agent: It depends on the scholarship. The money may be sent directly to your college, where it will be applied to any tuition, fees, or other amounts you owe and then any leftover funds are given to you. Or it might be sent directly to you in a check.[NEWLINE]agent: Have the scholarship provider informed you what to expect when they awarded you the scholarship?


user: Hi I need help on how to find and apply for scholarships, can you only have one scholarship or many?[NEWLINE]agent: You can get more than one scholarship. You should start researching early and make sure you meet deadlines that are part of applying for scholarships.[NEWLINE][BOUNDARY][NEWLINE]user: If I receive a scholarship how do I get my scholarship money?[NEWLINE]agent: How you get your money depends on the scholarship. Some scholarships are paid directly to your college where it will be applied to any tuition, fees, or other amounts you owe. If there is any money leftover it will be given to you. The scholarship may also be paid directly to you in the form of a check.[NEWLINE]agent: Has the scholarship provider not told you how the money will be paid?[NEWLINE]user: No they did not.[NEWLINE][BOUNDARY][NEWLINE]user: Can you tell me how I go about finding and getting scholarships?[NEWLINE]agent: You can contact the financial aid office at the school you plan to attend, you can check information in a public library or search online. However you should be careful, make sure scholarship information and offers you receive are legitimate. Remember you don't have to pay to find scholarships or other financial aid. Check out our information on how to avoid scams.[NEWLINE][BOUNDARY][NEWLINE]user: Does a scholarship affect any other student aid that I may be receiving?[NEWLINE]agent: A scholarship will affect your other student aid because all your student aid added together can't be more than your cost of attendance at your college or career school.[NEWLINE][BOUNDARY][NEWLINE]user: What is the best way to find scholarships?


user: help me with scholarships[NEWLINE]agent: You should start researching early, and meet the deadlines[NEWLINE][BOUNDARY][NEWLINE]user: what are the deadlines?[NEWLINE]agent: That depends on the scholarship. Some deadlines are as early as a year before college starts, so you should be researching and applying for scholarships during the summer between your junior and senior years.[NEWLINE][BOUNDARY][NEWLINE]user: do scholarships mess with my financial aid?[NEWLINE]agent: A scholarship will affect your other student aid because all your student aid added together can’t be more than the cost of attendance at your school.[NEWLINE]agent: Do you have more questions about this matter?[NEWLINE]user: no I got it[NEWLINE][BOUNDARY][NEWLINE]user: so start applying now to avoid deadlines is what I got from all of this, right?[NEWLINE]agent: Yes, you should be researching and applying for scholarships now to be prepared.[NEWLINE][BOUNDARY][NEWLINE]user: is my financial aid office a good place to ask questions?


user: my high school is not an option on the fafsa list[NEWLINE]agent: Did you want to know why your high school isn't listed in the data files?[NEWLINE]user: no[NEWLINE][BOUNDARY][NEWLINE]agent: Were you unable to find your high school on the FAFSA search results?[NEWLINE]user: no didn't look there[NEWLINE][BOUNDARY][NEWLINE]agent: are you wondering why there are duplicates of some schools?[NEWLINE]user: no, why would you ask that[NEWLINE][BOUNDARY][NEWLINE]user: why are some numbers different year to year?[NEWLINE]agent: In past years, we used proxies to determine whether an applicant was a first-time filer; we now use true first-time filer status and we may get different numbers.[NEWLINE][BOUNDARY][NEWLINE]user: do you have all schools in your data?


user: I am finding numbers that are different this year, so is that because of updated data?[NEWLINE]agent: Did you want to know why the totals reported last year are different from the numbers reported now about last year?[NEWLINE]user: yes[NEWLINE]agent: There could be several causes for this, including the possibility that your institution is listed more than once in the data using alternate variations of the school's name or city.[NEWLINE]agent: Did you want more information?[NEWLINE]user: yes[NEWLINE]agent: The different numbers only cover a relatively small number of applicants[NEWLINE][BOUNDARY][NEWLINE]user: why does it show so few fafsa applicants for my school?[NEWLINE]agent: One reason your rates may be lower than expected is because your school could be listed more than once and actual applicants could be spread among the name variations.[NEWLINE][BOUNDARY][NEWLINE]user: how should I search for my school?[NEWLINE]agent: You should consider alternate names that may be used[NEWLINE][BOUNDARY][NEWLINE]user: does anything affect the total data for applicants from a state?


user: I was looking at your data and the numbers on the FAFSA completions seem too low for some schools[NEWLINE]agent: Did you want to know why the number of FAFSA submissions or completions is lower than you think it should be?[NEWLINE]user: yes sir or ma'am[NEWLINE]agent: Did you know that many high schools inadvertently overestimate their FAFSA completion rates?[NEWLINE]user: no, so I guess that could explain it[NEWLINE]agent: Did you want another reason it might be lower than you think it should be?[NEWLINE]user: yes I would[NEWLINE]agent: A high school could be listed in more than one place if students gave different names for the same school.[NEWLINE][BOUNDARY][NEWLINE]user: can I contact you if I feel that I found errors because you listed some schools a few times?[NEWLINE]agent: You can Email us at HSFAFSA@ed.gov if you believe a school has been listed more than once.[NEWLINE][BOUNDARY][NEWLINE]user: do you have a FAQ section?


user: What are some of the most common FAFSA completion data questions and answers?[NEWLINE]agent: You can check on our website some of the questions we've heard about the FAFSA completion by High School and Public School district data.[NEWLINE][BOUNDARY][NEWLINE]user: Can you give me some examples?[NEWLINE][BOUNDARY][NEWLINE]user: with its respective answer, please.[NEWLINE]agent: one of the questions is: What is the difference between a submitted and a completed FAFSA form?. And the answer is that submitted applications reflect all FAFSA forms submitted by students at a particular high school, while completed forms are all the FAFSA forms that weren't rejected due to some missing key information after being revised by the Central Processing System.[NEWLINE]agent: Do you want to know what happens with the FAFSA forms that are submitted but not completed?[NEWLINE]user: No, thanks.[NEWLINE][BOUNDARY][NEWLINE]user: Can you tell me what years of FAFSA submission and completion data are available to check?[NEWLINE]agent: Currently, the Federal Student Aid releases data for the 2018-19 cycle and provides a side-by-side comparison of the previous 2017-18 cycle. There's also an archive that contains data files from the 2017-18 cycle comparing it to the past 2016-17 cycle.[NEWLINE]user: What kind of information are available through these files?


user: What about the tecnical and analytical aspects?[NEWLINE]agent: The totals reported last year are different from the numbers reported now about last year, do you understand what is causing this?[NEWLINE]user: Yes, I understand.[NEWLINE]agent: Then you know there could be many different causes for this including the possibility that your school is listed more than once in the data.[NEWLINE]user: What if my total decreased compared to what we reported last year?[NEWLINE]agent: Then that may mean there were applicants that had applied in previous years.[NEWLINE][BOUNDARY][NEWLINE]user: What if I cannot find my institution or school on the database?[NEWLINE]agent: You can still continue forward by clicking next and the info you type will be captured and recorded; our database usually has every high school in the nation unless it opened, merged or changed its name within last two years.[NEWLINE][BOUNDARY][NEWLINE]user: When will districts be listed as missing or insufficient data?[NEWLINE]agent: Is the regulatory adjusted graduation rate missing?[NEWLINE]user: Yes, that is missing.[NEWLINE]agent: Then the district would be missing.[NEWLINE][BOUNDARY][NEWLINE]user: What if I made a spelling mistake?


user: I have a query, the school that I want to list on my FAFSA form is not an option as it does not appear as listed, is there anything I can do?[NEWLINE]agent: Has the school that you listed in your initial application not appeared on your FAFSA report?[NEWLINE]user: Yes, that is exactly what has happened[NEWLINE]agent: There are two reasons for this, which I can go through with you now if you would like[NEWLINE][BOUNDARY][NEWLINE]user: When I submit data on my FAFSA form, how often is this data updated?[NEWLINE]agent: This is done on a weekly basis[NEWLINE][BOUNDARY][NEWLINE]user: Can you explain to me the difference between a completed FAFSA form and a submitted application?[NEWLINE]agent: It turns out that a completed application is made up of a series of all submitted applications[NEWLINE]user: What is the definition of a submitted application when relating to FAFSA forms?[NEWLINE]agent: Submitted applications are a reflection of all the FAFSA forms that have been completed by students at a particular high school. It can happen that these submitted applications can be rejected if there are any parts of key pieces of information that are missing[NEWLINE][BOUNDARY][NEWLINE]user: I believe that the number of FAFSA forms that I completed is higher, why would this be?


user: Hello, I want to know more about low completion totals.[NEWLINE]agent: Ok. Are you wondering why your FAFSA submissions or completions are lower than you think they should be?[NEWLINE]user: No, not really.[NEWLINE][BOUNDARY][NEWLINE]agent: Are you a high school counselor or college access professional and looking for resources to help increase FAFSA completion totals?[NEWLINE]user: No, that does not apply to me.[NEWLINE][BOUNDARY][NEWLINE]agent: Are you a counselor at a high school with lots of students aged 20 or older and are curious why your numbers are so low?[NEWLINE]user: No, that does not describe me.[NEWLINE][BOUNDARY][NEWLINE]user: Should most high schools be contained in the database on the FAFSA form?[NEWLINE]agent: Yes, that is correct.[NEWLINE][BOUNDARY][NEWLINE]user: What is causing the totals reported last year to be different?


user: why do I get lower numbers on the fafsa submissions?[NEWLINE]agent: Did you want to know why the number of FAFSA submissions is lower than you think it should be?[NEWLINE]user: no, I found the answer[NEWLINE][BOUNDARY][NEWLINE]agent: Do you need resources to help you increase FAFSA participation?[NEWLINE]user: no we have plenty[NEWLINE][BOUNDARY][NEWLINE]agent: Are you a counselor at a high school with a lot of students age 20 or older and wondering why the FAFSA numbers are so low?[NEWLINE]user: yes I am[NEWLINE]agent: There is no question on the FAFSA form that asks if an applicant is a high school senior, we must use several criteria to identify those applicants that are likely high school seniors. Most of the students would likely not satisfy the age criteria requiring applicants to be less than 20 years of age so they might not be counted.[NEWLINE][BOUNDARY][NEWLINE]user: what does it mean when a school has less than 5 completed applications? can it be no applicants at all?[NEWLINE]agent: No, it does not mean there were zero applications.[NEWLINE][BOUNDARY][NEWLINE]user: why are some places white on the map?[NEWLINE]agent: Do you want to know why some districts are listed as missing or as having  insufficient data?


user: I have made FAFSA submissions already, but it shows that I have lower completion totals that I thought, why would this be?[NEWLINE]agent: Have you kept a close eye on the level of FAFSA submissions that you have made?[NEWLINE]user: Yes I have, and I believe that my submission levels should be higher[NEWLINE]agent: Do you think that your high school may have inadvertently overestimated their FAFSA completion rate?[NEWLINE]user: No, I don't think so but I haven't checked this out fully[NEWLINE]agent: Did you list the name of your high school in the correct way on your FAFSA form?[NEWLINE]user: I'll have to check, maybe I didn't list the name correctly[NEWLINE][BOUNDARY][NEWLINE]user: Is there a reason why a district will appear in white on a map regarding FAFSA completion data?[NEWLINE]agent: Are you sure that your district has supplied all the relevant and correct information?


user: I am looking at completion totals for FAFSA submissions, why would my number be low?[NEWLINE]agent: Is the number that is displayed lower than you thought it should be?[NEWLINE]user: Yes, it is quite lower than I expected it to be[NEWLINE]agent: Have you checked to see if your high school has overestimated their FAFSA completion rates?[NEWLINE]user: Yes, I have checked and it seems as if they have indeed made an overestimation[NEWLINE]agent: One of the reasons that your submission rate seems low is that your school could be listed more than once, this can happen when a student enters your school name in a different way on the FAFSA form. If your high school name is listed under different names, then it could be listed in more than one place[NEWLINE][BOUNDARY][NEWLINE]user: What if I submit a FAFSA form but it is not completed correctly?[NEWLINE]agent: You will then receive an email from the Department of Education asking you to correct the FAFSA form. You have to have completed the FAFSA form correctly in order to be eligible for financial aid or federal student aid[NEWLINE][BOUNDARY][NEWLINE]user: What happens if some students list a high school under a slightly different name?[NEWLINE]agent: What happens is that your high school is listed in more than one place[NEWLINE][BOUNDARY][NEWLINE]user: I am currently employed as a high school counselor, are there resources available to me to help increase the amount of FAFSA completion totals?


user: What about technical and analytical aspects?[NEWLINE]agent: The totals reported last year would be different from numbers reported now about last year, do you know what is causing this?[NEWLINE]user: No, I do not understand what the cause it.[NEWLINE][BOUNDARY][NEWLINE]agent: Do you know what would happen if I added up all the submitted applications from a single city or state?[NEWLINE]user: No, I have no idea if that is allowed.[NEWLINE][BOUNDARY][NEWLINE]agent: Do you know what it means when some districts appear in white on the maps?[NEWLINE]user: Yes, I am aware why they appear in white.[NEWLINE]agent: Do you know what it means when they are listed as missing data?[NEWLINE]user: NO, I am not sure.[NEWLINE]user: No, i am not sure.[NEWLINE]agent: Do you know about the regulatory adjusted graduation rate is missing?[NEWLINE]user: Yes, I do understand this part.[NEWLINE]agent: Then they have insufficient data or missing data.[NEWLINE][BOUNDARY][NEWLINE]user: Who does the source of data come from?


user: is there a deadline for the fafsa application?[NEWLINE]agent: Yes, there are FAFSA deadlines. I can give them to you if you want.[NEWLINE][BOUNDARY][NEWLINE]user: what are the 2019-2020 federal deadlines?[NEWLINE]agent: Online Free Application for Federal Student Aid forms must be submitted by 11:59 p.m. Central time, June 30, 2020. Any corrections or updates must be submitted by 11:59 p.m. CT, September 12, 2020.[NEWLINE]user: what are the 20-21 federal deadlines?[NEWLINE]agent: Online FAFSA forms must be submitted by 11:59 p.m. Central time on June 30, 2021. Any corrections or updates must be submitted by 11:59 p.m. CT on Sept. 11, 2021.[NEWLINE][BOUNDARY][NEWLINE]user: what is the deadline for state aid?[NEWLINE]agent: Each state has its own deadline.[NEWLINE][BOUNDARY][NEWLINE]user: does UTEP have their own deadline?[NEWLINE]agent: Each college may have its own deadline. You would have to check with UTEP. You may also want to ask your college about its definition of an application deadline.[NEWLINE]agent: Ask them if the deadline is the date your FAFSA form is processed or the date the college receives your processed FAFSA data?[NEWLINE]user: okay, I will[NEWLINE][BOUNDARY][NEWLINE]user: do you have the Texas state deadlines?


user: Are there FAFSA deadlines I need to meet for federal student aid?[NEWLINE]agent: Yes there are FAFSA deadlines and I can give them to you.[NEWLINE][BOUNDARY][NEWLINE]user: What are the Federal deadlines?[NEWLINE]agent: Federal deadlines for the 2020-21 academic year must be submitted by 11:59 pm CT June 30, 2021.[NEWLINE]user: what about 2019-20 Academic Year?[NEWLINE]agent: The online free application for FAFSA forms are required to be submitted by 11:59 pm CT June 30, 2020; and any updates or corrections by 11:59 CT Semptember 12, 2020.[NEWLINE][BOUNDARY][NEWLINE]user: Are there specific deadlines for the college?[NEWLINE]agent: Each college has its own deadline and ask your college the definition of an application deadline they go by.[NEWLINE]agent: Do you know if it is the date your FAFSA form is processed or the date the college receives the processed FAFSA data?[NEWLINE]user: No, I am not sure?[NEWLINE][BOUNDARY][NEWLINE]user: What about state deadlines?


user: How you doing there? Good afternoon. You know,  I'm looking to complete the application for federal aid, but i wanted to know if there's some kind of deadline or if I just simply can submit it whenever i want.[NEWLINE]agent: Well, believe it or not, there are deadlines. And better to stick out on them because of the limited aid.[NEWLINE][BOUNDARY][NEWLINE]user: Oh, wow. That's some pressure there. Well, for example, what can you tell me about deadlines for federal things?[NEWLINE]agent: Well, you have those for the 2020-21 Academic Year. In that regard, your FAFSA form must be submitted by 11:59 p.m Central time, June 30, 2021 and any corrections before 11:59 p.m Central, September 11, 2021.[NEWLINE][BOUNDARY][NEWLINE]user: Ohh, wow, very specific. And for those State ones?[NEWLINE]agent: For those, you have to find out with each state, as each of them has its own deadline. Plus, you have to look depending on Academic Year.[NEWLINE][BOUNDARY][NEWLINE]user: Right, right. I guess is some kind the same with those from college, right?[NEWLINE]agent: Pretty much. As possibly you already guessed, each college has its own deadline. You'll have to check that out with you favorite college. Something else you should do is to ask your college about its definition of an application deadline.[NEWLINE]agent: Do you know what date has any college of your interest for your FAFSA form.[NEWLINE]user: No, i really don't have any idea.[NEWLINE][BOUNDARY][NEWLINE]user: You said before that state deadlines should be checked by academic year, isn't? Are there deadlines for year 2020-2021 already?


user: are there deadlines for when I have to do the fafsa[NEWLINE]agent: Yes, there are deadlines so send the application in and don't miss out on financial aid opportunities.[NEWLINE][BOUNDARY][NEWLINE]user: is there a deadline for state aid?[NEWLINE]agent: Each state has its own deadline[NEWLINE][BOUNDARY][NEWLINE]user: so what is the deadline for the non state?[NEWLINE]agent: Online FAFSA forms must be submitted by 11:59 p.m. Central time, June 30, 2021.[NEWLINE][BOUNDARY][NEWLINE]user: do school have deadlines for doing all of this?[NEWLINE]agent: Each college may have its own deadline. You can check with the school you’re interested in attending.[NEWLINE]agent: Did you want to know about the school's definition of a deadline?[NEWLINE]user: yes,but I'll just ask the school[NEWLINE][BOUNDARY][NEWLINE]user: how is the fafsa used?


user: Are there deadlines associated with FAFSA completions and can you give me more information regarding these deadlines[NEWLINE]agent: Yes, deadlines are in operation and they are all listed on this website. The information will help you to submit applications on time and not miss out on financial aid opportunities[NEWLINE][BOUNDARY][NEWLINE]user: Are there separate FAFSA deadlines for each state or are they all the same?[NEWLINE]agent: Each state has its own deadline, all the states are listed on the website and give the deadline information for each state there[NEWLINE][BOUNDARY][NEWLINE]user: Do colleges have deadlines in relation to FAFSA completion dates?[NEWLINE]agent: Colleges may differ in relation to deadlines. You should contact your college to find out what this deadline is and what they define as a FAFSA application deadline[NEWLINE]agent: Do you know what your college of choice defines its deadline as?[NEWLINE]user: No, I'm not up to date with this information[NEWLINE][BOUNDARY][NEWLINE]user: While I'm on the subject, are there deadlines involved with Federal agencies?[NEWLINE]agent: Information regarding this for the 2020/21 Academic Year is available now on the website[NEWLINE][BOUNDARY][NEWLINE]user: Are the state deadlines for the 2020/21 Academic Year available yet?


user: Hello, can you tell me which FAFSA Deadlines?[NEWLINE]agent: At this time there is a deadline to apply for financial aid.[NEWLINE][BOUNDARY][NEWLINE]user: Please can you tell me about the state deadlines?[NEWLINE]agent: It is important to note that each state has its own deadline.[NEWLINE][BOUNDARY][NEWLINE]user: And in relation to the university terms?[NEWLINE]agent: Each university manages its own dates, you can visit each institution and find out.[NEWLINE]agent: On that date the FAFSA form will be delivered.[NEWLINE]user: What do you need to know to fill out the FAFSA form?[NEWLINE][BOUNDARY][NEWLINE]user: There are several deadline dates for the delivery of the form[NEWLINE]agent: Of course so far 2019 20 State deadlines.[NEWLINE][BOUNDARY][NEWLINE]user: What can you tell me about the federal deadline?


user: Does the FAFSA have Deadlines?[NEWLINE]agent: Yes, there are FAFSA deadlines, and we have them right here. Don't miss out on financial aid opportunities.[NEWLINE][BOUNDARY][NEWLINE]user: How are state deadlines?[NEWLINE]agent: Each state has its own term you need to see the list[NEWLINE]user: what year would the list be[NEWLINE]agent: 2020/21 State academic year deadlines[NEWLINE]user: Is it the only date you have?[NEWLINE]agent: There is also the 2019/20 academic year deadlines[NEWLINE][BOUNDARY][NEWLINE]user: How is the university terms?[NEWLINE]agent: Each university can have its own deadline. Check with the university you are interested in attending. You can also ask your university about defining an application deadline.[NEWLINE]agent: When is your FAFSA form processed?


user: Hi, I would like to know if the FAFSA has deadlines for financial aid applications?[NEWLINE]agent: Yes there are deadlines for applications for financial aid.[NEWLINE][BOUNDARY][NEWLINE]user: Could you please advise what the deadlines for the academic year are?[NEWLINE]agent: The deadlines for the 2019/20 Academic Year are as follows: Online Free Application for Federal Student Aid FAFSA forms must be submitted by 11:59 p.m. Central time (CT), June 30, 2020 and any corrections or updates must be submitted by 11:59 p.m.  CT, September 12, 2020.[NEWLINE][BOUNDARY][NEWLINE]user: Do you know what the College deadlines are?[NEWLINE]agent: Unfortunately I don't have college deadlines as each college has its own deadlines. Check with the collect you are interested in attending. You may also want to ask the college about its definition of an application deadline.[NEWLINE]agent: Do you mean the date your FAFSA form is processed or the date the college receives your processed FAFSA data?[NEWLINE]user: The date the college receives my processed FAFSA data.[NEWLINE][BOUNDARY][NEWLINE]user: Why do I have to meet the FAFSA deadlines?[NEWLINE]agent: By completing the Free Application for Federal Student Aid (FAFSA) form allows you to be considered for federal student aid and in addition states and colleges use FAFSA information to award their own grants, scholarships and loans. Aid is usually limited so you have to meet the deadlines.[NEWLINE][BOUNDARY][NEWLINE]user: Do States also have deadlines?


user: fwdsaffwersda[NEWLINE]agent: sadfzxcvzcxWDFSD[NEWLINE]user: Not really, what do you recommend me?[NEWLINE][BOUNDARY][NEWLINE]user: Great, thanks. And what can I do as a undergraduate student?[NEWLINE]agent: For undergraduate, is necessary to take either the sat or the act test.[NEWLINE][BOUNDARY][NEWLINE]user: And what is the aid you bring?[NEWLINE]agent: Many students worry that tuition and the other costs to continuing their education, to don't make them stop, most students receive some kind of financial aid.[NEWLINE][BOUNDARY][NEWLINE]user: And what happens if they offer me a job or something?[NEWLINE]agent: If that's the case ask for a wrote prove of that promise.[NEWLINE][BOUNDARY][NEWLINE]user: And what can you tell me about the accreditations?


user: Can you give me any advice on how to choose a school?[NEWLINE]agent: Are you currently researching colleges and career schools?[NEWLINE]user: Not at the moment.[NEWLINE][BOUNDARY][NEWLINE]user: What is the refund policy if I stop attending classes before completing my course work?[NEWLINE]agent: If you begin attending classes but leave before completing your course work, you might be able to get some of your money back.[NEWLINE][BOUNDARY][NEWLINE]user:  Is there a way to research a school without going there in person?[NEWLINE]agent: Yes, sure. Lots of schools offer virtual tours on their websites. You can see their campus and know more about the school without visiting in person.[NEWLINE][BOUNDARY][NEWLINE]user: And for the undergraduate programs, is there any test I need to take during the admission process?[NEWLINE]agent: You most probably will be required to take either the SAT or the ACT test.[NEWLINE][BOUNDARY][NEWLINE]user: Ok. And how could I research the school's reputation?


user: Are there things that I should consider when comparing schools that I may attend?[NEWLINE]agent: Have you done some research on colleges and career schools?[NEWLINE]user: Not yet, it is on my to-do list[NEWLINE][BOUNDARY][NEWLINE]user: Is there a situation whereby I will have to give a refund of the financial aid that I receive?[NEWLINE]agent: If you withdraw from school, some of the monies may have to be returned to the source of the funds, either by you or the school[NEWLINE][BOUNDARY][NEWLINE]user: Should I pay much attention to Enrollment Contracts as published by schools?[NEWLINE]agent: You should read these carefully before you sign them. The contract explains to you what you will get from the school for your money, so it is an important document[NEWLINE][BOUNDARY][NEWLINE]user: I would like to see if there are any useful statistics available for my research, where could I find this information?[NEWLINE]agent: There are statistics available, and these are designed to help you in your choice of school[NEWLINE][BOUNDARY][NEWLINE]user: Will I have to refund any financial aid if I leave before the course work is completed?


user: What am I looking for when trying to compare chools?[NEWLINE]agent: Have you started research on schools and colleges at this point?[NEWLINE]user: No, not yet, I am very new to this[NEWLINE][BOUNDARY][NEWLINE]user: Are there a defined set of admission requirements that cover off all schools?[NEWLINE]agent: Each school has their own set of admission requirements. You can visit the relevant school's website to find out what exactly these are[NEWLINE][BOUNDARY][NEWLINE]user: Is there any way that I can get a refund if I do not complete course work?[NEWLINE]agent: It is possible that you might be able to get some of your money back, this will depend on the circumstances and on the school[NEWLINE][BOUNDARY][NEWLINE]user: Are there any lists that I can refer to that highlight any complaints that have been made against a school?[NEWLINE]agent: You could check with your local Better Business Bureau. You could also check with your state higher education agency or the consumer protection division of your state attorney general's office. You could also check with the agency that accredits the school, to see if the school meets the required standards[NEWLINE][BOUNDARY][NEWLINE]user: Is there such a thing as useful statistics for a school?


user: Are there things that I should consider when comparing schools and deciding which school I wish to attend?[NEWLINE]agent: Have you done much research into the colleges and career schools that may be on your list?[NEWLINE]user: No, not yet, I have only started this process[NEWLINE][BOUNDARY][NEWLINE]user: Is there anywhere I can go to find out of there have been any previous complaints made about a school?[NEWLINE]agent: You have a few options: you can contact your local Better Business Bureau, your state higher education agency or you could also check with the consumer protection division of your state attorney general's office. Another way to check is to make an enquiry with the agency that licences or accredits the school to see if it meets the required standards that are expected[NEWLINE][BOUNDARY][NEWLINE]user: Is there any way for me to research schools by actually attending them in person?[NEWLINE]agent: Most schools organize college fairs, which gives you the opportunity to talk to representatives from lots of different colleges. One example of a college fair is organized by the National Association for College Administration for College Admission Counseling[NEWLINE][BOUNDARY][NEWLINE]user: When doing research on colleges, I would like to see if there have been any complaints made about the school. Is it easy to access this information?[NEWLINE]agent: You have a few options: you can contact your local Better Business Bureau, your state higher education agency or you could also check with the consumer protection division of your state attorney general's office. Another way to check is to make an enquiry with the agency that licences or accredits the school to see if it meets the required standards that are expected[NEWLINE][BOUNDARY][NEWLINE]user: Is there any homework that I should do to help me choose a school?


user: I need guidance on what school to attend[NEWLINE]agent: I can help you learn about steps you can take to research possible colleges or career schools[NEWLINE]agent: Are you looking for the education and training to help you get a better-paying job?[NEWLINE]user: I would love that[NEWLINE]agent: Going to college is a big investment in money and time, so be sure to take your time and research your options.[NEWLINE][BOUNDARY][NEWLINE]user: What can I do to research my options while in high school?[NEWLINE]agent: You can ask your school counselor about the schools you are interested in.[NEWLINE]user: what are other things I should do to prepare?[NEWLINE]agent: You can use our checklists to help you prepare[NEWLINE][BOUNDARY][NEWLINE]user: what do I need to know about financial aid?[NEWLINE]agent: You should know that financial assistance programs and requirements can vary from school to school, and not all colleges participate in the federal student aid programs.[NEWLINE][BOUNDARY][NEWLINE]user: should I also talk to the schools I have an interest in and maybe others that are not on my short list?


user: I'm ready to pick a school so can you tell me what I should consider when deciding[NEWLINE]agent: Are you researching schools?[NEWLINE]user: yes I am[NEWLINE]agent: You can consider such things as cost, location and accreditation when you are trying to decide where to go.[NEWLINE][BOUNDARY][NEWLINE]user: what is accreditation about?[NEWLINE]agent: An accredited school meets certain standards set by an independent agency. It helps ensure the training or education you get meets employer standards in a specific field.[NEWLINE][BOUNDARY][NEWLINE]user: how can I learn more about schools?[NEWLINE]agent: You can attend college fairs.  It will give you the chance to look at different schools by talking to representatives.[NEWLINE][BOUNDARY][NEWLINE]user: are the SATs a must?[NEWLINE]agent: For most undergraduate programs you will have to take either the SAT or the ACT test.[NEWLINE][BOUNDARY][NEWLINE]user: anything else I should do to help choose a school?


user: I need help choosing the right school for me.[NEWLINE]agent: I can help you with that. Have you researched any colleges or career schools yet?[NEWLINE]user: Yes. I've found a few schools that I'm interested in.[NEWLINE]agent: Great. It sounds like you already have a list of schools, so your next step will be to compare them. Some factors you should be thinking about are tuition costs, the location of the school, and accreditation.[NEWLINE][BOUNDARY][NEWLINE]user: Are statistics useful in comparing schools?[NEWLINE]agent: Yes. Statistics can help you evaluate schools.[NEWLINE][BOUNDARY][NEWLINE]user: What can a college fair offer me?[NEWLINE]agent: College fairs are a fantastic way to learn more about colleges. They allow you to interact with representatives from several colleges and career schools.[NEWLINE][BOUNDARY][NEWLINE]user: What if I receive federal student aid and end up having to withdrawal from college? How do refund policies work?[NEWLINE]agent: A college's return of aid policy differs from school to school, but it's possible that some of that money might have to be given back to the source by the school or yourself.[NEWLINE][BOUNDARY][NEWLINE]user: Why should I consider applying to multiple schools?


user: I need your help with comparing schools and finding the right one for me.[NEWLINE]agent: Of course. Are you currently researching colleges and career schools?[NEWLINE]user: No, I didn't start yet.[NEWLINE][BOUNDARY][NEWLINE]user: Can you perhaps tell me how accreditation works?[NEWLINE]agent: An accredited school meets certain standards set by an independent agency. It helps ensure the training or education you get meets employer standards in a specific field.[NEWLINE][BOUNDARY][NEWLINE]user: Interesting. How do I find out whether there have been any complaints about the school?[NEWLINE]agent: Simply contact your local Better Business Bureau, state higher education agency, or the consumer protection division of your state attorney general's office. Check with the agency that licenses or accredits the school to see whether it meets required standards.[NEWLINE][BOUNDARY][NEWLINE]user: Can I find the cost of a college somewhere?[NEWLINE]agent: Yes, you can look up the cost and assess the value of colleges using the College Scorecard.[NEWLINE][BOUNDARY][NEWLINE]user: Is there any method to get a feel for a school you can recommend?


user: I am trying to fill out my FAFSA form and I was wondering if my parents need to fill out any of it but I am not sure. Can you help me?[NEWLINE]agent: I can definitely assist you with this. Your parents do have a section that they need to fill out on the form.[NEWLINE]user: Ok, thanks. What will they need to fill out on it?[NEWLINE][BOUNDARY][NEWLINE]user: Also, I need to know if I have to have both parents fill it out. My parents are divorced and I live with my dad and won't see my mom in person until the summer.[NEWLINE]agent: They can be listed as divorced on the form. You should have your father fill out information on the form since you live with him the majority of the time.[NEWLINE][BOUNDARY][NEWLINE]user: Oh, that could be a problem. I don't think my dad wants to put any of his information on the form. I tried to tell him it was for college but he worries about having his private information in the hands of a stranger and he won't fill out my form. What do I do?[NEWLINE]agent: You can go to the myStudentAid app and there will be an option under a list of special circumstances to check if your parents refuses to provide the information needed.[NEWLINE][BOUNDARY][NEWLINE]user: My friend is also filling out a form and wants to know what to do if their parents were never married, if that makes any difference.[NEWLINE]agent: They would still be your friend's parents regardless of marital status, so your friend should still try to fill out the form with their help.[NEWLINE][BOUNDARY][NEWLINE]user: You said there were special circumstances to not filling out the parent part. What are they?[NEWLINE]agent: If your parents are incarcerated, you have left the house due to abuse, you don't know where your parents are and you cannot contact them even though you are not adopted, or if you are between 21 and 24 and not living with family but homeless or at risk of homelessness, those are the special circumstances.


user: Does my stepparent count as my parent in relation to my FAFSA form?[NEWLINE]agent: Was your stepparent married to your parent but now widowed?[NEWLINE]user: No, this is not pertinent in my case[NEWLINE][BOUNDARY][NEWLINE]user: What can I do if my parents will not supply their information on my FAFSA form?[NEWLINE]agent: I will give you the process for filling out the FAFSA form online or on myStudentAid app[NEWLINE][BOUNDARY][NEWLINE]user: What if I don't have parental information on my FAFSA form?[NEWLINE]agent: Your form will be submitted but will not be fully processed. You will not receive an EFC and you must contact the financial aid office immediately upon starting at the school or college that you plan to attend[NEWLINE][BOUNDARY][NEWLINE]user: Can I submit my FAFSA form without parental information if I agree to the conditions that are attached to non-disclosure of this information?[NEWLINE]agent: Yes, you can submit your FAFSA form[NEWLINE]user: What do I do on the myStudentAid app when it looks for parental information?


user: What information needs to be reported on the FAFSA form about dependent students?[NEWLINE]agent: I can help you with that question. Dependent students must report their parents as well as their own information. They must find out who counts as their parent when they file the form.[NEWLINE]user: What do I need to do if I am a dependent student?[NEWLINE]agent: You will need to provide information about your legal parent on the application.[NEWLINE][BOUNDARY][NEWLINE]user: What if I have a step mom?[NEWLINE]agent: Is your step mom married to the legal parent whose information you are reporting?[NEWLINE]user: No, they are not married.[NEWLINE][BOUNDARY][NEWLINE]user: What do I do if my parents are unwilling to provide their information on the FAFSA form?[NEWLINE]agent: We can provide you with an explanation of what we consider special circumstances.[NEWLINE]user: What if I agree to my parents not supporting me?