user: Hi, i have some loans and were offered to sign something called Master Promissory Note, What's that?[NEWLINE]agent: The Master Note is just a document you sign in order to promise that you'll repay your loans and any accrued interest. It also explain terms and conditions of the loan.[NEWLINE][BOUNDARY][NEWLINE]user: I see, and to get one you have to go through certain procedures and give some information, right?[NEWLINE]agent: Yes. Information like your school name, mailing address or contact information are between the requested data.[NEWLINE][BOUNDARY][NEWLINE]user: And that MPN is just for graduate students, or anyone else can us it?[NEWLINE]agent: Graduate students and Professional students, are totally eligible.[NEWLINE][BOUNDARY][NEWLINE]user: And that goes for the different types of loans, like Subsidized and Unsubsidized?[NEWLINE]agent: That's right. It applies for both types of loans.[NEWLINE][BOUNDARY][NEWLINE]user: And of course, i guess it applies for those Direct Plus Loans you mentioned earlier.[NEWLINE]agent: Totally right. It is also valid in that type of loan.[NEWLINE][BOUNDARY][NEWLINE]agent: Do you want to know who has to go through the procedures to get a MPN?[NEWLINE]user: No, it's not necessary. I guess it is for Graduate and Professional students, right?[NEWLINE][BOUNDARY][NEWLINE]agent: That's right. Would you like to know how much time you would invest in a MPN session?[NEWLINE]user: No, i don't think i need to know that right now.[NEWLINE][BOUNDARY][NEWLINE]agent: Would you like to know what do you need to obtain that MPN, then?


user: What is a Master Promissory Note (MPN) for graduate students?[NEWLINE]agent: The MPN is a legal document that you promise to pay back your loan and any accrued interest plus fees to the US Department of Education and it explains the terms of your loan.[NEWLINE]user: Are there different MPNs for different types of loans such as Direct Unsubsidized and Direct PLUS Loans?[NEWLINE]agent: Yes, each type of loan has a different MPN that you have to sign.[NEWLINE][BOUNDARY][NEWLINE]user: When would I use an MPN for Direct PLUS Loans?[NEWLINE]agent: Use the MPN for Direct PLUS Loans which are available to those who are eligible.[NEWLINE][BOUNDARY][NEWLINE]user: Who should complete this DEMO?[NEWLINE][BOUNDARY][NEWLINE]agent: Do you know it will take 30 minutes?[NEWLINE]user: No, did not know that.[NEWLINE][BOUNDARY][NEWLINE]user: What do I need for access?


user: Why are Master Promissory Notes necessary?[NEWLINE]agent: An MPN is necessary because it is a legal document in which you promise to repay your loan plus accrued interest and fees to the U.S. Department of Education and it explains the terms and conditions of your loan.[NEWLINE][BOUNDARY][NEWLINE]user: Do I need a MPN for a Direct PLUS Loan?[NEWLINE]agent: Yes, you would use a MPN for a Direct PLUS Loans available to eligible graduate students.[NEWLINE][BOUNDARY][NEWLINE]agent: Do you need to complete an MPN?[NEWLINE]user: Yes, I do need to complete an MPN.[NEWLINE][BOUNDARY][NEWLINE]agent: Do you know how long it takes?[NEWLINE]user: Yes, I do.[NEWLINE][BOUNDARY][NEWLINE]user: Can I receive more than one loan under an MPN?[NEWLINE]agent: Yes, you might receive more than one loan under an MPN over a period of 10 years to pay for your educational costs; but you must be at a school that is authorized.[NEWLINE][BOUNDARY][NEWLINE]user: What types of loans use MPN?


user: Hey, I have some questions about the MPN for graduates.[NEWLINE]agent: Of course. The MPN is a legal document in which you promise to repay your loan and any accrued interest and fees to the U.S. Department of Education. It also explains the terms and conditions of your loan. Graduate/professional students may be eligible for both Direct Unsubsidized Loans and Direct PLUS Loans, which have different MPNs.[NEWLINE][BOUNDARY][NEWLINE]user: Can I preview the MPN for direct plus loans somehow?[NEWLINE]agent: Yes, you can preview a read only version.[NEWLINE]user: Can I also view a demo for it?[NEWLINE]agent: Yes, you can view a demo for it.[NEWLINE][BOUNDARY][NEWLINE]user: What else do I need for my request?[NEWLINE]agent: You'll need a verified username and password FSA ID, for example.[NEWLINE][BOUNDARY][NEWLINE]user: What else can you tell me about MPN for direct plus loans?[NEWLINE]agent: You can use this MPN for Direct PLUS Loans available to eligible graduate/professional students. You may also need to complete an MPN for Direct Unsubsidized Loans.[NEWLINE][BOUNDARY][NEWLINE]agent: Do you want to know who should fill this out?[NEWLINE]user: Yes, please tell me.[NEWLINE][BOUNDARY][NEWLINE]agent: 30 minutes?


user: I need help with how you stay eligible for financial aiid[NEWLINE]agent: Okay, you will have to continue to meet the basic eligibility criteria, make satisfactory academic progress, and fill out the FAFSA form every year to continue receiving federal student aid.[NEWLINE][BOUNDARY][NEWLINE]user: I need the fafsa form each year or just once?[NEWLINE]agent: Have you already filled out a FAFSA form?[NEWLINE]user: no, I'm doing it soon[NEWLINE][BOUNDARY][NEWLINE]user: how do you make satisfactory academic progress to keep getting financial aid?[NEWLINE]agent: You have to make good grades and complete enough classes to keep moving toward successfully completing your degree.[NEWLINE]agent: Are you aware of the satisfactory academic progress policy for financial aid purposes for the school you will be attending?[NEWLINE]user: I don't know what it is[NEWLINE][BOUNDARY][NEWLINE]user: I have to keep doing this and not just the first year when I apply?


user: Hello, I would like to continue receiving federal student aid[NEWLINE]agent: To maintain them, you must continue to meet the basic eligibility criteria, make satisfactory academic progress, and complete the FAFSA every year.[NEWLINE][BOUNDARY][NEWLINE]user: Do I have to complete the FAFSA form every year?[NEWLINE]agent: have you filled out the FAFSA?[NEWLINE]user: yes[NEWLINE]agent: ok note that you are applying for help for a specific year. To get help next year, you'll need to submit next year's FAFSA form.[NEWLINE][BOUNDARY][NEWLINE]user: how should I make satisfactory academic progress[NEWLINE]agent: In other words, you have to get good grades and complete enough classes (credits, hours, etc.)[NEWLINE]user: where can i see my school data?[NEWLINE]agent: To see your school details, you can check your school's website or ask someone at the financial aid office and your school's policy will tell you what you need.[NEWLINE][BOUNDARY][NEWLINE]user: what are the eligibility criteria


user: Hello, I would like to know what I must do to continue receiving federal student aid[NEWLINE]agent: Of course You must continue to meet the basic eligibility criteria, make satisfactory academic progress, and complete the FAFSA every year.[NEWLINE][BOUNDARY][NEWLINE]user: Should I continue to meet the basic eligibility criteria?[NEWLINE]agent: yes Remember the basic eligibility criteria that allow you to get federal student aid continue to apply the entire time you receive aid, not just when you first fill out the FAFSA and receive aid.[NEWLINE][BOUNDARY][NEWLINE]user: and Must I have satisfactory academic progress to continue receiving federal student aid?[NEWLINE]agent: You must make satisfactory academic progress to continue receiving federal student aid. In other words, you have to get good grades and complete enough classes (credits, hours, etc.)[NEWLINE]user: and is it indispensable?[NEWLINE]agent: yes You must make satisfactory academic progress to continue receiving federal student aid.[NEWLINE]agent: Do you want to see your school's data?[NEWLINE]user: no[NEWLINE][BOUNDARY][NEWLINE]user: and for how long is the form you fill out valid?


user: Hi. I want to continue receiving your federal student aid, what must I do to remain eligible?[NEWLINE]agent: You must continue to meet the basic eligibility criteria, make satisfactory academic progress, and complete the FAFSA every year.[NEWLINE][BOUNDARY][NEWLINE]user: And who defines the financial aid policies?[NEWLINE]agent: Each school has a satisfactory academic progress policy for financial aid purposes; To view your school's details, you can check your school's website or ask someone at the financial aid office. Your school policy will tell you[NEWLINE]user: And what reasons would they take if an academic process is not satisfactory?[NEWLINE]agent: Reasons for appeal generally include the death of a family member, illness or injury, or other special circumstances;[NEWLINE][BOUNDARY][NEWLINE]user: And how often should I complete the form?[NEWLINE]agent: I already filled out the FAFSA form?[NEWLINE]user: no[NEWLINE][BOUNDARY][NEWLINE]user: And once I meet the requirements, should I always meet them?


user: how do I stay good with the financial aid people?[NEWLINE]agent: You will need to continue to meet the basic eligibility criteria, make satisfactory academic progress, and fill out the FAFSA form every year.[NEWLINE][BOUNDARY][NEWLINE]user: do I only have to do this when I send in my forms?[NEWLINE]agent: The basic eligibility criteria that allow you to get federal student aid continue to apply throughout the time you are receiving aid, not just when you first fill out the FAFSA form.[NEWLINE][BOUNDARY][NEWLINE]user: so I need to fill a form each year?[NEWLINE]agent: Are you asking about the FAFSA form?[NEWLINE]user: yes[NEWLINE]agent: Each FAFSA form you fill out is for aid for a specific year. In order to receive aid for that year, you will need to submit that year’s FAFSA form.[NEWLINE][BOUNDARY][NEWLINE]user: what is considered satisfactory academic progress?[NEWLINE]agent: You need to make good enough grades, and complete enough credit hours, to keep progressing toward successfully completing your degree or certificate.[NEWLINE]agent: Do you know about your school's satisfactory academic progress policy for financial aid purposes?


user: hi[NEWLINE]agent: hi[NEWLINE][BOUNDARY][NEWLINE]user: hi[NEWLINE]agent: hi[NEWLINE]user: hi[NEWLINE]agent: hi[NEWLINE]user: hi[NEWLINE]agent: hi[NEWLINE][BOUNDARY][NEWLINE]user: O.k i'll make sure to check that out. This is a silly question but, Do i have to keep the grades up all the time to keep the aid?[NEWLINE]agent: Of course. That eligibility criteria that was applied when you requested that aid, needs to be kept through all the time you receive the funds.[NEWLINE][BOUNDARY][NEWLINE]user: Oh, O.k Sorry, i just wanted to be sure. In any case, i don't need to renew anything after i got the aid, don't i?[NEWLINE]agent: Did you fill a FAFSA form when you requested your aid?


user: I need eligibility help[NEWLINE]agent: Okay, you will need to continue to meet the basic eligibility criteria, make satisfactory academic progress, and fill out the FAFSA form every year.[NEWLINE][BOUNDARY][NEWLINE]user: but what does it mean when they say I need to make academic progress?[NEWLINE]agent: It means you have to make good enough grades, and complete enough classes to keep moving toward successfully completing your degree[NEWLINE]agent: Do you know the academic progress policy for financial aid purposes your school has?[NEWLINE]user: nope, that is why I asked[NEWLINE][BOUNDARY][NEWLINE]user: and I need to do the FAFSA each year?[NEWLINE]agent: Have you filled out the FAFSA form?[NEWLINE]user: not yet[NEWLINE][BOUNDARY][NEWLINE]user: do I just have to stay eligible once and I'm good for my school duration?


user: If I want to continue receiving federal student aid, what should I be sure of?[NEWLINE]agent: You must continue to meet the basic eligibility criteria, make satisfactory academic progress, and complete the FAFSA every year.[NEWLINE][BOUNDARY][NEWLINE]user: What are the basic eligibility criteria?[NEWLINE]agent: The basic eligibility criteria that allow you to get federal student aid continue to apply the entire time you receive aid, not just when you first fill out the FAFSA and receive aid.[NEWLINE][BOUNDARY][NEWLINE]user: Do I have to complete the FAFSA form every year?[NEWLINE]agent: did you fill out the FAFSA?[NEWLINE]user: I have not done it yet[NEWLINE][BOUNDARY][NEWLINE]user: What are the satisfactory academic progress policies for financial aid purposes?[NEWLINE]agent: To see your school's details, you can check your school's website or ask someone at the financial aid office. Your school policy will tell you what is necessary[NEWLINE][BOUNDARY][NEWLINE]user: Why should I fill it out every year?


user: Can you give me details of the forgiveness of public service loans?[NEWLINE]agent: Do you work for a US federal, state, local, or tribal government or a nonprofit organization?[NEWLINE]user: no[NEWLINE][BOUNDARY][NEWLINE]user: if you switch to an IDR plan and don't want to pay a higher amount[NEWLINE]agent: if that's the case the PSLF Program may not benefit you[NEWLINE][BOUNDARY][NEWLINE]user: What is considered full-time employment for the PSLF?[NEWLINE]agent: You are generally considered to be working full-time if you meet your employer's definition of full-time or work at least 30 hours per week, whichever is greater.[NEWLINE][BOUNDARY][NEWLINE]user: what are the PSLF help tools[NEWLINE]agent: these toolsThey will help you understand more about the PSLF Program and what you must do to participate and possibly forgive your loans.[NEWLINE]agent: Did you complete the PSLF help tool process?[NEWLINE]user: yes


user: I wanted to know more about public service loan forgiveness[NEWLINE]agent: Are you employed by a U.S. federal, state, local, or tribal government or not-for-profit organization?[NEWLINE]user: I work for a not for profit[NEWLINE]agent: You could be eligible for the Public Service Loan Forgiveness Program[NEWLINE][BOUNDARY][NEWLINE]user: can I use time spent at church to be considered a full time employee?[NEWLINE]agent: Time spent on religious instruction or worship services may not be counted toward meeting the full-time employment requirement.[NEWLINE][BOUNDARY][NEWLINE]user: On the repayment plans to qualify do the payments stay the same or can they increase?[NEWLINE]agent: Your payment may increase depending on your income and the amount that you owe. If you do not want the possibility of higher payments then the PSLF Program may not be for you[NEWLINE][BOUNDARY][NEWLINE]user: How soon can I get into public service loan forgiveness?[NEWLINE]agent: You have to make 120 qualifying monthly payments so it will take at least 10 years before you can qualify.[NEWLINE]agent: Are you working toward PSLF?[NEWLINE]user: yes


user: I need PSLF information?[NEWLINE]agent: Do you have PSLF questions?[NEWLINE]user: yes a few[NEWLINE]agent: You can have a look at the PSLF FAQ page[NEWLINE]user: anything else in case I can't find what I need?[NEWLINE]agent: You can contact FedLoan Servicing at 1-855-265-4038.[NEWLINE][BOUNDARY][NEWLINE]user: do contractors qualify for the loan forgiveness?[NEWLINE]agent: You have to be directly employed by a qualifying employer for your employment to count toward PSLF[NEWLINE][BOUNDARY][NEWLINE]user: what can I do if I missed sending in some employment certification forms?[NEWLINE]agent: When you apply for forgiveness, you will be asked to submit an Employment Certification Form for each employer you worked for while making the required 120 qualifying monthly payments.[NEWLINE]user: do we need to be employed at a federal job when we apply?


user: Hello, I would like to know how to send PSLF forms[NEWLINE]agent: Submit the completed form, with your employer's certification, to FedLoan Servicing, the federal loan servicer for the United States Department of Education for the PSLF Program.[NEWLINE]agent: FedLoan Servicing Already Your Administrator?[NEWLINE]user: no[NEWLINE][BOUNDARY][NEWLINE]user: What can I do if my questions are not all covered on that page?[NEWLINE]agent: In that case contact FedLoan Servicing at 1 - 855 - 265 - 4038.[NEWLINE]user: What if I have more questions?[NEWLINE]agent: check the PSLF FAQ page.[NEWLINE][BOUNDARY][NEWLINE]user: What if I am in AmeriCorps or the Peace Corps, or the United States Department of Defense is paying off my loans?[NEWLINE]agent: There are special rules that allow borrowers who are AmeriCorps or Peace Corps volunteers to use their Segal Education Award or Peace Corps transition payment to make a one-time payment that can count up to 12 qualified PSLF payments.[NEWLINE][BOUNDARY][NEWLINE]user: What if I am employed in more than one qualified part-time job at the same time?


user: hello i would like to get information about Eligible Repayment Plans[NEWLINE]agent: Eligible payment plans include all income-driven IDR payment plans that base your monthly payment on your income.[NEWLINE]user: and what are the qualified payments?[NEWLINE]agent: Although the payments made under the Standard 10-Year Payment Plan are qualified payments, you would have to switch to an IDR plan to benefit from the PSLF.[NEWLINE][BOUNDARY][NEWLINE]user: and How should I send the PSLF forms?[NEWLINE]agent: Submit the completed form, with your employer's certification, to FedLoan Servicing, the federal loan servicer for the United States Department of Education for the PSLF Program. You can mail the form to this address:[NEWLINE]agent: FedLoan Servicing Already Your Administrator?[NEWLINE]user: yes[NEWLINE]agent: You can upload your PSLF application or Employment Certification Form on your website.[NEWLINE][BOUNDARY][NEWLINE]user: and who will certify my employment?[NEWLINE]agent: Often it will be someone from the human resources department, although in some cases your direct supervisor or someone else may be authorized to certify your employment. Check with your organization to see who can certify your Employment Certification Form.[NEWLINE][BOUNDARY][NEWLINE]user: What if you don't regularly submit the Employment Certification Form?


user: Who receives public service loan forgiveness?[NEWLINE]agent: Are you an employee of the US federal, state, local, or tribla government or not-for-profit organizaton..[NEWLINE]user: No, I am not employed by the US federal, state, local or tribal government.[NEWLINE][BOUNDARY][NEWLINE]user: What loans are eligible?[NEWLINE]agent: Any loan received under the William D. Ford Federal Direct Loan Direct Loan Program would qualify for PSLF.[NEWLINE][BOUNDARY][NEWLINE]user: What would be the qualifying repayment plans available?[NEWLINE]agent: Such qualifying repayment plans include all the income-driven repayment plans that use your income to figure out your payment.[NEWLINE]user: If my payments under the 10-year Standard Repayment Plan are qualifying payments is there anything else I could do to benefit?[NEWLINE]agent: You would need to change to an income driven repayment plan to benefit from PSLF because your loans will be paid in full once you have made 120 qualifying PSLF payments and there will be no balance to forgive.[NEWLINE][BOUNDARY][NEWLINE]user: Who would I contact for more questions?[NEWLINE]agent: do you have more questions?


user: I need to know who I can contact to answer my PSLF questions.[NEWLINE]agent: I can assist you with that, but would you like to hear about additional sources of information available to you?[NEWLINE]user: Yes, that would be very helpful.[NEWLINE]agent: Excellent. The first place you should go to for information is the PSLF FAQ page.[NEWLINE][BOUNDARY][NEWLINE]user: What types of employment qualify me for the PSLF Program?[NEWLINE]agent: Those who work for a government organization at any level(state, federal, local, tribal) qualify for the PSLF Program.[NEWLINE][BOUNDARY][NEWLINE]user: I went to the FAQ page, but I still have questions. Who can I contact to help me?[NEWLINE]agent: Since you were unable to find the information that you need on the FAQ page, your next step will be to contact FedLoan Servicing at 1-855-265-4038.[NEWLINE][BOUNDARY][NEWLINE]user: Which repayment plans qualify for this program?[NEWLINE]agent: All income-driven repayment IDR plans and plans that base your monthly payment on your income qualify for the program.[NEWLINE][BOUNDARY][NEWLINE]user: I have a FFEL Program loan. Am I eligible for the program?


user: What if I have questions about Public Service Loan Forgiveness?[NEWLINE]agent: Do you have more questions?[NEWLINE]user: No, I want to know in case I have questions.[NEWLINE]user: What if my questions are not covered on the FAQ page?[NEWLINE]agent: You can call the FedLoan Servicing at 1-855-265-4038.[NEWLINE][BOUNDARY][NEWLINE]user: What is one organization that is not qualifying employment?[NEWLINE]agent: If you work for a Partisan political organization.[NEWLINE][BOUNDARY][NEWLINE]user: Are there any alerts I should be aware of that are important?[NEWLINE]agent: Yes, if you don't periodically submit the Employment Certification Form at the time you apply for forgiveness you will be required to submit a form for each empolyer worked.[NEWLINE][BOUNDARY][NEWLINE]user: Is there anything I need to know about Income-Driven Repayment plans before I decide to change to one?


user: Hello, I need information related to PSLF?[NEWLINE]agent: It is a form and must be completed and mailed to a specific address.[NEWLINE]agent: You can find information with your administrator.[NEWLINE]user: Can you tell me in more detail what this process consists of?[NEWLINE][BOUNDARY][NEWLINE]user: What do you plan to do with the information you put on the form?[NEWLINE]agent: This information allows us to tell you if you are making qualified PSLF payments.[NEWLINE][BOUNDARY][NEWLINE]user: Can you give me more information?[NEWLINE]agent: If you have any questions, you can contact FedLoan Servicing to answer questions about it.[NEWLINE]user: I still have more questions for you, can you help me?[NEWLINE]agent: Check the page on asking frequently asked PSLF.[NEWLINE][BOUNDARY][NEWLINE]user: What are federal programs? and what conditions must be met to be approved?


user: Hello, can you tell me what is PSLF?[NEWLINE]agent: Sure, it's a priority for those who work with the U.S. federal, state, local, or tribal government.[NEWLINE]user: Perfect, can you extend that information more?[NEWLINE]user: Can you tell me what are the requirements to qualify for the Public Service Loan Forgiveness Program?[NEWLINE]agent: You can search for information regarding the topic.[NEWLINE][BOUNDARY][NEWLINE]user: I am interested to know which payment plans do not qualify for PSLF please?[NEWLINE]agent: There are several plans that do not qualify for this purpose.[NEWLINE][BOUNDARY][NEWLINE]user: What must be met to qualify for such a plan?[NEWLINE]agent: The main thing is to be employed by a federal, state, local or tribal government of the United States.[NEWLINE]user: Perfect and what else should I know?


user: hi[NEWLINE]agent: hi[NEWLINE]user: hi[NEWLINE][BOUNDARY][NEWLINE]agent: hi[NEWLINE]user: hi[NEWLINE]agent: hi[NEWLINE]user: hi[NEWLINE][BOUNDARY][NEWLINE]user: hi[NEWLINE]agent: hi[NEWLINE][BOUNDARY][NEWLINE]user: Right, O.k. Look, in a related question.  How do I know if a school where I'm teaching at is a low-income one?


user: can you show me how much of a Perkins loan we can get canceled if we fit a criteria[NEWLINE]agent: Did you want to look at a Perkins loan cancellation chart?[NEWLINE]user: Yes I will look at it later but I have more questions?[NEWLINE]agent: Did you have any other questions on the chart before we move on?[NEWLINE]user: will it tell us the cancellation rates?[NEWLINE]agent: Yes, it will show rates and note when they are different[NEWLINE][BOUNDARY][NEWLINE]user: who do we contact to look into a loan deferment?[NEWLINE]agent: Contact your college or your college’s Perkins Loan servicer for information on applying for deferment.[NEWLINE][BOUNDARY][NEWLINE]user: can I apply for a cancellation anywhere they do business?[NEWLINE]agent: The application for the cancellation of a Perkins Loan must be made to the school that made the loan or to the school’s Perkins Loan servicer.[NEWLINE]user: so they will know what to do?


user: Hey there. I was looking information related of if there is anyway to get the federal loan canceled or something like that.[NEWLINE]agent: Sure, no problem. There are some ways or methods that will get your federal perkins loan fully canceled or even discharged.[NEWLINE][BOUNDARY][NEWLINE]agent: Do you want to give it a try?[NEWLINE]user: Yes, I would like to see if this is possible, to try it.[NEWLINE][BOUNDARY][NEWLINE]agent: Great. Do you want to know which are the requirements for this?[NEWLINE]user: Yes, please. Tell me what needs to be done to reach this goal.[NEWLINE]agent: No problem, to qualify for a 100 percent of a federal perkins loan fully cancellation you'll need to have done some things like served full-time in a public or nonprofit elementary or secondary school. Have you done or doing this?[NEWLINE]user: Yes, I am currently working in a elementary school.[NEWLINE]agent: That's is just great. Is this a school for low income families?[NEWLINE]user: No, not really, but I'm not pretty sure.[NEWLINE]agent: OK, but here do you serve as a special education teacher?[NEWLINE]user: No, not at all.[NEWLINE]agent: And what about science, mathematics, languages or fields that the states needs?[NEWLINE]user: No, not exactly, as far as I know.


user: Please, tell me about Perkins Loan Discharge[NEWLINE]agent: You must to know that your Perkins Loan may be discharged under certain conditions[NEWLINE]user: What are the conditions  that may lead to discharge?[NEWLINE]agent: Are you bankrupt??[NEWLINE]user: No, I don't[NEWLINE]agent: The discharge is for death?[NEWLINE]user: Yes, an uncle passed away[NEWLINE]agent: In that case, your Perkins Loan may be discharged[NEWLINE][BOUNDARY][NEWLINE]user: What if I teach at an educational service agency?[NEWLINE]agent: Your teaching service may qualify for cancellation if the period of qualifying service includes Aug. 14, 2008  or begins on or after that date.[NEWLINE][BOUNDARY][NEWLINE]user: What about the discharge chart?[NEWLINE]agent: Was your loan discharged?[NEWLINE]user: Yes, indeed


user: Hi I have heard that I might be able to have all or portion of my Federal Perkins Loan canceled, if this correct?[NEWLINE]agent: Yes under certain conditions you may be discharged from your loan or you may have a portion of your loan canceled based on your employment or volunteer service.[NEWLINE][BOUNDARY][NEWLINE]user: What are the eligibility requirements for the cancellation of a Perkins loan?[NEWLINE][BOUNDARY][NEWLINE]agent: Do you have a Perkins Loan?[NEWLINE]user: Yes I do.[NEWLINE]agent: Have you served full-time in a public or non-profit elementary or secondary school as a teacher?[NEWLINE]user: Yes I have as a teacher in a school serving students from low income families.[NEWLINE]agent: You mentioned a school serving student from low income families. Please confirm that you were a teacher in such a school.[NEWLINE]user: No I did not.[NEWLINE]agent: Have you been a special education teacher?[NEWLINE]user: No I have not been a special education teacher.[NEWLINE]agent: Have you been a teacher in the fields of mathematics, science, foreign languages, or bilingual education, or in any other field of expertise determined by a state education agency to have a shortage of qualified teachers in that state?[NEWLINE]user: No I have not.


user: hi[NEWLINE]agent: hi[NEWLINE]user: hi[NEWLINE]agent: hi[NEWLINE]user: hi[NEWLINE]agent: hi[NEWLINE][BOUNDARY][NEWLINE]user: That's great, pretty convenient. You know, I've been a teacher for some time now, but i don't really know how you define teachers, Could you say that to me?[NEWLINE]agent: Certainly. To us, a teacher is someone including for example, a school librarian or guidance counselor who provides elementary or secondary school students with direct services directly related to classrooms teaching.[NEWLINE][BOUNDARY][NEWLINE]user: Wow, pretty nice and technical. Glad for asking and very thoughtful of you for answering. Look, in some moment these loans could need to be cancelled, how do I apply for that?[NEWLINE]agent: It's not at all complicated. Just go tho the school that made you the loan or visit your Perkins Loan servicer. They should give you the proper forms and instructions for your specific type of cancellation or even a discharge.[NEWLINE][BOUNDARY][NEWLINE]user: Oh, i see. I'll have to stop by then. Sorry, but what's that last thing you mentioned, discharge?


user: Could I be eligible to have all or part of my Federal Perkins Loan canceled?[NEWLINE]agent: Yes, it is possible and you would have to apply to see if you are eligible.[NEWLINE][BOUNDARY][NEWLINE]user: Is there Perkins Loan Teacher cancellation?[NEWLINE][BOUNDARY][NEWLINE]agent: Do you know if you are eligible for Perkins Loan cancellation?[NEWLINE]user: Yes, I think I am eligible.[NEWLINE]agent: Then you know that you qualify for up to 100% cancellation of Federal Perkins Loan if you have served full-time in a public or nonprofit elementary or secondary school system?[NEWLINE]user: Yes, I know this information.[NEWLINE]agent: Do you work in a school serving students from low-income families?[NEWLINE]user: No, I do not.[NEWLINE]agent: Are you a special education teacher?[NEWLINE]user: No, I am not a special education teacher.[NEWLINE]agent: Are you in any of the fields of mathematics, science, foreign languages, or bilingual education that the state education agency has a shortage of qualifed teachers?[NEWLINE]user: No, that is not the case.


user: I need to know if I'm eligible to have all or a portion of my Federal Perkins Loan canceled[NEWLINE]agent: Please, learn more to see whether you are eligible and how to apply[NEWLINE][BOUNDARY][NEWLINE]user: Can you tell me about Perkins Loan Teacher Cancellation?[NEWLINE][BOUNDARY][NEWLINE]agent: Do you know what are the eligibility requirements?[NEWLINE]user: I don't know what those requirements are.[NEWLINE][BOUNDARY][NEWLINE]agent: Do you know who is considered a teacher?[NEWLINE]user: Yes, I know that[NEWLINE]agent: Ok, let me remind you a little bit. A teacher is someone who includes, for example, a school librarian or counselor who provides primary or secondary school students with direct services directly related to classroom teaching.[NEWLINE]user: What if I am a supervisor?[NEWLINE]agent: In that case, you are not considered a teacher unless you primarily provide direct and personal educational services to students.[NEWLINE][BOUNDARY][NEWLINE]user: What is the eligibility for teacher cancellation based on?


user: iyiugygoiuoi[NEWLINE]agent: Sure, you just need to see if you are eligible for something like that.[NEWLINE][BOUNDARY][NEWLINE]user: Great. This also applies for the perkins loan teacher cancellation?[NEWLINE][BOUNDARY][NEWLINE]agent: Yes, but you need some requirements, do you know which are?[NEWLINE]user: I'm not so sure about them.[NEWLINE][BOUNDARY][NEWLINE]agent: OK, no problem. You know if you are considered as a teacher?[NEWLINE]user: Yes, I think I do.[NEWLINE]agent: That's something you need to have clear, you can be considered as a teacher if you are a school librarian or guidance counselor for elementary or secondary school students.[NEWLINE]user: This also includes supervisors, administrators, researchers or specialist?[NEWLINE]agent: In that case, at least you provide direct and personal educational services to students, you won't be considered as a teacher.[NEWLINE][BOUNDARY][NEWLINE]user: So, is mandatory a field of expertice?


user: Could I be eligible to have all or a portion of my Federal Perkins Loans discharged?[NEWLINE]agent: Yes, you can see whether you are eligible and how to apply.[NEWLINE][BOUNDARY][NEWLINE]agent: do you know about Perkins Loan Teacher Cancellation?[NEWLINE]user: Yes, I need to know about Perkins Loan Teacher Cancellation.[NEWLINE][BOUNDARY][NEWLINE]agent: Do you know the eligibility requirements for this cancellation?[NEWLINE]user: Yes, I know the requirements.[NEWLINE]agent: Have you served full-time in a public or nonprofit elementary or secondary school system?[NEWLINE]user: Yes, that is accurate.[NEWLINE]agent: Do you work as a teacher in a school serving students from low-income families?[NEWLINE]user: No, I do not teach in a school serving students from a low-income family.[NEWLINE]agent: Are you a special education teacher?[NEWLINE]user: No, that is not the case.[NEWLINE]agent: Are you a teacher in the fields of math, science, foreign language, or bilingual education that has a shortage of qualified teachers in that state?[NEWLINE]user: No I am not a teacher in that field that has a shortage.


user: Hello, I have some questions about the direct plus loan application for parents. I came across it on your website.[NEWLINE]agent: Of course. Do you want to know what a Direct PLUS Loan Application for Parents is?[NEWLINE]user: Yes, please.[NEWLINE]agent: This is a request for supplemental information in connection with your application for a Federal Direct PLUS Loan Direct PLUS Loan through the William D. Ford Federal Direct Loan Direct Loan Program.[NEWLINE]agent: Are you a parent borrower?[NEWLINE]user: Yes, I am. Why?[NEWLINE]agent: Then the Direct PLUS Loan Application also allows you to do several other things.[NEWLINE]user: That's all very interesting and all, but I have a whole other question. What if I have placed a security freeze on my credit file?[NEWLINE]agent: In that case you must lift or remove the freeze at each credit bureau before you continue. Your application will not be processed if you have a security freeze.[NEWLINE]user: By the way, can the direct plus loan applications vary, depending on the school? I saw two and they looked different.[NEWLINE]agent: Yes. Some schools may have a different process for obtaining the additional information needed to process your Direct PLUS Loan application.[NEWLINE][BOUNDARY][NEWLINE]user: Alright. How do I apply for a plus loan now?


user: I am looking at applying for a Direct PLUS Loan for Parents through the FSA, can you give me some help with the process?[NEWLINE]agent: Do you know all the features and benefits of the Direct PLUS Loan for parents?[NEWLINE]user: No, I'm not fully aware of all the features, is this something that you could help me with?[NEWLINE][BOUNDARY][NEWLINE]agent: Are you aware of the process that is involved with applying for a Direct PLUS Loan?[NEWLINE]user: I think I am, but could you go through it with me to ensure that I am fully up to speed with the process?[NEWLINE]agent: To start, you need to log in to the website with your own login credentials[NEWLINE][BOUNDARY][NEWLINE]user: Through the Direct PLUS Loan for parents, do I get the funding paid directly to me or does it go to the student?[NEWLINE]agent: You can designate where the funds go to, either to yourself or to the student, it depends on yourself[NEWLINE]user: What can I do with the proceeds of the Direct PLUS Loan once it is approved?[NEWLINE]agent: This loan allows you to authorize your school to use the funds of the loan to pay for any other charges that arise and are related to your child's education. This is after tuition, fees and room and board have been paid[NEWLINE]user: And do I have to authorize my school to do this?


user: you can give us info on the parent plus loan[NEWLINE]agent: Would you like to know about the Direct PLUS Loan Application for Parents?[NEWLINE]user: no, how complicated can it be...[NEWLINE][BOUNDARY][NEWLINE]agent: Are you ready to apply for a PLUS Loan?[NEWLINE]user: I think so[NEWLINE]agent: I can link you to a page where you can Log In and start[NEWLINE][BOUNDARY][NEWLINE]user: who is this loan from?[NEWLINE]agent: It is through the William D. Ford Federal Direct Loan Program.[NEWLINE]user: what happens after we do the application?[NEWLINE]agent: The information that you provide will be sent to the school that you select. The school you select will use the information collected to determine your eligibility for a Direct PLUS Loan and process your application.[NEWLINE]user: they will use my loan to pay school related things?


user: Hello, I would like to have information about the Direct Parent PLUS Loan Application: William D. Ford[NEWLINE]agent: want to know What is a direct PLUS parent loan application?[NEWLINE]user: no thanks[NEWLINE][BOUNDARY][NEWLINE]agent: Do you want to apply for a PLUS loan?[NEWLINE]user: no[NEWLINE][BOUNDARY][NEWLINE]user: And what other things does this loan allow?[NEWLINE]agent: Request a deferment while the student is at school[NEWLINE]user: What is a Parent Direct PLUS Loan Application?[NEWLINE]agent: This is a supplemental information request regarding your application for a Federal Direct PLUS Loan Direct PLUS Loan through the Federal Direct Loan Program Direct William D. Ford Loan. Some schools may have a different process to obtain the additional information necessary to process your Direct PLUS Loan application.[NEWLINE]user: And what other things does the Direct PLUS Loan Application allow?


user: Hello I would like to get information about the Direct Parent PLUS Loan Application William D. Ford[NEWLINE]agent: want to know What is a direct PLUS parent loan application?[NEWLINE]user: no[NEWLINE][BOUNDARY][NEWLINE]agent: Would you like to apply for a PLUS loan?[NEWLINE]user: yes[NEWLINE]agent: the first thing to do is LOG IN TO GET STARTED[NEWLINE][BOUNDARY][NEWLINE]user: What do I have to do to receive the Direct PLUS Loan?[NEWLINE]agent: Before you can receive a Direct PLUS Loan, you must complete a Direct PLUS promissory note Master Promissory Direct PLUS Loan MPN, which explains all the terms and conditions of Direct PLUS loans and constitutes your legally binding agreement to pay all Direct PLUS loans that receive under the Direct PLUS MPN loan.[NEWLINE]user: and when can I complete the Direct PLUS Loan MPN?[NEWLINE]agent: You will have the opportunity to complete the Direct PLUS Loan MPN after completing the Direct PLUS Loan Application.[NEWLINE]user: and can the funds be used for other things?


user: Hello, I would like to have information about the Direct Parent PLUS Loan Application: William D. Ford[NEWLINE]agent: want to know What is a direct PLUS parent loan application?[NEWLINE]user: yes[NEWLINE]agent: This is a supplemental information request regarding your application for a Federal Direct PLUS Loan Direct PLUS Loan through the Federal Direct Loan Program Direct William D. Ford Loan. Some schools may have a different process to obtain the additional information necessary to process your Direct PLUS Loan application.[NEWLINE]user: and what does this loan allow me as a parent borrower?[NEWLINE]agent: As a parent borrower, the Direct PLUS Loan Application also allows you[NEWLINE]user: and can I pay other charges with this loan?[NEWLINE]agent: The Direct PLUS Loan Application allows you to authorize the school to use your loan funds to satisfy other charges related to education after tuition and fees have been paid, and room and board.[NEWLINE]user: and what should I do to receive a Direct PLUS Loan?[NEWLINE]agent: Before you can receive a Direct PLUS Loan, you must complete a Direct Promissory Note Direct PLUS Master Promissory Direct PLUS Loan MPN, which explains all the terms and conditions of Direct PLUS loans and constitutes your legally binding agreement to pay all Direct PLUS loans you receive. under the Direct PLUS MPN loan.[NEWLINE][BOUNDARY][NEWLINE]user: And what is the first to apply for a PLUS loan?


user: Hi, I am looking for information on the Direct PLUS Loan Application for Parents[NEWLINE]agent: Are you aware of the application process for parents for a Direct PLUS Loan?[NEWLINE]user: Yes, but I may need some help with it[NEWLINE]agent: Just to let you know, the Direct PLUS Loan Application for parents is a request for supplemental information in connection with your Direct Plus Loan application through the William D. Ford Federal Direct Loan Program. Schools differ on the processes that applicants must go through with these applications[NEWLINE]agent: May I ask, are you a parent borrower?[NEWLINE]user: No, I'm not[NEWLINE][BOUNDARY][NEWLINE]user: How do I apply for a PLUS Loan through the FSA?[NEWLINE]agent: To start with, you need to log in to the website with your own personal login credentials[NEWLINE][BOUNDARY][NEWLINE]user: Will it cause any problems for me if I have placed a security freeze on my credit file when applying for a Direct PLUS Loan for Parents?[NEWLINE]agent: In order to proceed, you will need to have this freeze removed at whatever credit bureau before proceeding. If you possess a security freeze, your application cannot proceed[NEWLINE]user: Do I have any options in relation to where the proceeds of the Direct PLUS Loan are sent?


user: Hi, can you give me information about the Direct Parent PLUS Loan Application? William D. Ford[NEWLINE]agent: want to know What is a direct PLUS parent loan application?[NEWLINE]user: no[NEWLINE][BOUNDARY][NEWLINE]agent: Do you want to apply for a PLUS loan?[NEWLINE]user: no[NEWLINE][BOUNDARY][NEWLINE]user: What is a Parent Direct PLUS Loan Application?[NEWLINE]agent: The information you provide will be sent to the school you select. The school you select will use the information collected to determine your eligibility for a Direct PLUS Loan and to process your application.[NEWLINE]user: and do all schools have the same application process?[NEWLINE]agent: Some schools may have a different process to obtain the additional information necessary to process your Direct PLUS Loan application.[NEWLINE][BOUNDARY][NEWLINE]user: Should I SIGN IN TO BEGIN to apply for the loan?


user: Hello, I'm here to figure out the steps needed to get my money.[NEWLINE]agent: Does your college or career school and not the U.S. Department of Education distribute your financial aid?[NEWLINE]user: No, not that I know of.[NEWLINE][BOUNDARY][NEWLINE]user: What if I've already completed the financial aid process?[NEWLINE]agent: Then you've accomplished the most important task submitting the Free Application for Federal Student Aid (FAFSA) form. Find out what you need to do next.[NEWLINE][BOUNDARY][NEWLINE]user: That's good to hear. So what do I need to do when I sign a loan agreement?[NEWLINE]agent: You'll need to complete a Master Promissory Note (MPN).[NEWLINE][BOUNDARY][NEWLINE]user: I see. And after I've replied to an aid offer?[NEWLINE]agent: Then you may accept aid from your chosen school.[NEWLINE][BOUNDARY][NEWLINE]user: Is there a way to tell when I receive my aid?


user: Hello, I would like to know how I get my money with financial aid?[NEWLINE]agent: Will your university or vocational school distribute your financial aid?[NEWLINE]user: no[NEWLINE]user: and who will pay my help?[NEWLINE]agent: Find out when your school will pay your aid and the period each payment covers.[NEWLINE][BOUNDARY][NEWLINE]user: What do I do to sign a loan agreement?[NEWLINE]agent: Complete a Master Promissory Note MPN.[NEWLINE][BOUNDARY][NEWLINE]user: And what should I do Before my first loan or TEACH Grant?[NEWLINE]agent: complete the advice[NEWLINE][BOUNDARY][NEWLINE]user: and which school will provide the aid?


user: hello can you advise me how I get my money with financial aid?[NEWLINE]agent: Will your university or vocational school distribute your financial aid?[NEWLINE]user: no[NEWLINE][BOUNDARY][NEWLINE]user: and what should I do Before my first loan or TEACH Grant?[NEWLINE]agent: complete the advice.[NEWLINE][BOUNDARY][NEWLINE]user: and after submitting the form what do I do?[NEWLINE]agent: In that case, you have performed the most important task in submitting the FAFSA Free Application for Federal Student Aid form. We will help you discover what you should do next.[NEWLINE][BOUNDARY][NEWLINE]user: And how do I know when the aid will be paid?[NEWLINE]agent: Find out when your school will pay your aid and the period each payment covers.[NEWLINE][BOUNDARY][NEWLINE]user: And what else should I find out at school?


user: who will give me the money for school?[NEWLINE]agent: Did you want to know who distributes your financial aid?[NEWLINE]user: yes[NEWLINE]agent: The school will pay out your aid[NEWLINE]user: how will I get it?[NEWLINE]agent: It depends on the type of aid you receive[NEWLINE][BOUNDARY][NEWLINE]user: can you also help me with signing a loan agreement?[NEWLINE]agent: Yes, we can help you Complete a Master Promissory Note[NEWLINE][BOUNDARY][NEWLINE]user: can you help me compare aid and see what is best for me?[NEWLINE]agent: yes, we can help you review schools' financial aid packages[NEWLINE][BOUNDARY][NEWLINE]user: can you help me get it all done?


user: Hi, so glad i can chat with you. You know, I recently submitted a Student Aid form, but I'm curious about what should I do next to that.[NEWLINE]agent: Well, firs of all, you need to be informed. Have you looked into any information about Student Aid?[NEWLINE]user: No, i haven't did that.[NEWLINE][BOUNDARY][NEWLINE]agent: I see, you mean then you have not compared any Aid Offers?[NEWLINE]user: Oh yeah, I did that, because i wanted to know which aid could be more friendly to me.[NEWLINE]agent: Excellent, I assume you reviewed school's financial aid packages then. That was a good call.[NEWLINE][BOUNDARY][NEWLINE]user: Thanks, I thought it was the right thing to do. Say, I heard about some Loan Agreement, is that something I also have to do?[NEWLINE]agent: Yes, is one of the next steps after your submission. Before that, you must complete a Master Promissory Note or MPN.[NEWLINE][BOUNDARY][NEWLINE]user: MPN, huh? Got it. Em, Any advice session or counseling is coming here?[NEWLINE]agent: Yes, that's something you'll get before receiving your first loan, a complete counseling.[NEWLINE]user: Oh, do you mean like, complete, complete?


user: Hello there, All great with you?. Look, I sent an Aid request some time ago, but hasn't been any answer, so when do i get my money?[NEWLINE]agent: If you completed the proper procedure, It should be sent to you soon. Be aware that benefit will be paid by your School and not by the U.S Department of Education so, Have you checked on your school's payment schedule?[NEWLINE]user: Yeah, I checked that out already, that's why i'm here asking about.[NEWLINE]agent: Well, that's pretty much what you can do for now. If you found out that information, then you must even know the period your aid will cover.[NEWLINE][BOUNDARY][NEWLINE]user: O.k, O.k, you got me there. Yeah, i even looked about that period thing. Anyway, To be sure, all what i needed to do was to send the application, right? what else comes next?[NEWLINE]agent: You're right. That's all what you were required to do. And if you are asking about your aid, then you probably took some of the next steps to that submission.[NEWLINE][BOUNDARY][NEWLINE]user: Yeah, yeah, I went and did some thing, some paperwork. Look, what can I do if i don't have those resources for when i star my classes, huh?[NEWLINE]agent: In that case, you should find out how to pay for your course materials, so you can start your classes and then help yourself with the aid.[NEWLINE][BOUNDARY][NEWLINE]user: And just like that, huh? Oh, well. I hope won't need to do that. Sorry, but a Master Promissory Note was one of those steps you mentioned earlier, wasn't?[NEWLINE]agent: That's correct. A MPN is a requisite for getting the aid.[NEWLINE][BOUNDARY][NEWLINE]user: And of course accepting the aid from school, too?


user: What are the next steps after I finished my FAFSA form?[NEWLINE]agent: Do you know how financial aid is calculated?[NEWLINE]user: Yes, I have been told how it is calculated.[NEWLINE]agent: That is great and since you know how it is calculated you can move onto the next step.[NEWLINE][BOUNDARY][NEWLINE]user: What does reply to Aid offer mean?[NEWLINE]agent: It means that you need to accept the aid you want from your chosen school.[NEWLINE][BOUNDARY][NEWLINE]user: When should I complete Entrance Counseling?[NEWLINE]agent: You should complete your Entrance Counseling before you first loan or TEACH grant.[NEWLINE][BOUNDARY][NEWLINE]user: What about the Money?[NEWLINE][BOUNDARY][NEWLINE]agent: Did you school send you a notice about the distribution of your financial aid?


user: How I get my money in the Financial Aid Process?[NEWLINE]agent: Are you studying at the college?[NEWLINE]user: Yes, I am.[NEWLINE]agent: Fine. Find out when your school will pay out your aid and the period each payment covers.[NEWLINE]user: how can I pay for course materials?[NEWLINE]agent: Learn how to pay for course materials if you don t get your financial aid as soon as classes start.[NEWLINE][BOUNDARY][NEWLINE]user: What do I have to do to receive my loan?[NEWLINE]agent: You must complete Entrance Counseling.[NEWLINE][BOUNDARY][NEWLINE]user: I need to Get Informed[NEWLINE]agent: Find out how aid is calculated[NEWLINE][BOUNDARY][NEWLINE]user: Now, What Should I do?


user: What do I need to do to complete the financial aid process?[NEWLINE]agent: do you want to know?[NEWLINE]user: yes[NEWLINE]agent: The first thing is to find out how aid is calculated.[NEWLINE][BOUNDARY][NEWLINE]user: How can I compare help offers?[NEWLINE]agent: Review schools' financial aid packages.[NEWLINE][BOUNDARY][NEWLINE]user: if my university, not the United States Department of Education, will distribute your financial aid[NEWLINE]agent: Find out when your school will pay your aid and the period covered by each payment[NEWLINE]user: I want to learn how to get help[NEWLINE]agent: Learn how you will get your help, it all depends on the type of help you receive.[NEWLINE][BOUNDARY][NEWLINE]user: are all the steps?


user: I have been wondering about asking for a federal student loan, but I don't know if I should. Can you please tell me a bit more about this topic?[NEWLINE]agent: Of course. You must repay your loan, so be sure you understand your options and responsibilities.[NEWLINE]agent: Did you apply for financial aid?[NEWLINE]user: Yes, I have applied for it.[NEWLINE]agent: Then you may be offered loans as part of your school s financial aid offer. A loan is money you borrow and must pay back with interest.[NEWLINE]user: I see. So what if I decide to take out a loan?[NEWLINE]agent: Make sure you understand who is making the loan and the terms and conditions of the loan.[NEWLINE]user: Are there other loans beside the federal student loans?[NEWLINE]agent: Yes. Student loans can come from the federal government, from private sources such as a bank or financial institution, or from other organizations.[NEWLINE][BOUNDARY][NEWLINE]user: What if I'm in financial need? What can the government do for me?[NEWLINE]agent: If you demonstrate financial need, the government pays the interest on some loan types while you are in school and during some periods after school.[NEWLINE][BOUNDARY][NEWLINE]user: That's great! So, what exactly are those direct plus loans?


user: curious about loans for school[NEWLINE]agent: Federal student loans for college are an investment in your future. You must repay your loan, so be sure you understand your options and responsibilities.[NEWLINE]agent: Have you applied for financial aid?[NEWLINE]user: yes[NEWLINE]agent: You might be offered loans as part of your school’s financial aid offer. A loan is money you borrow and must pay back with interest.[NEWLINE]user: is there anything more I should know about the loans?[NEWLINE]agent: Make sure you understand who is making the loan and know the terms and conditions of the loan.[NEWLINE][BOUNDARY][NEWLINE]user: do loans have high interest?[NEWLINE]agent: The interest rate on federal student loans is fixed and usually lower than that on private loans.[NEWLINE][BOUNDARY][NEWLINE]user: how much can I borrow?[NEWLINE]agent: It depends on whether you are an undergraduate student, a graduate or professional student, or a parent.[NEWLINE][BOUNDARY][NEWLINE]user: is the school the one making the loan to us?


user: hello could you give me information about federal student loans[NEWLINE]agent: Of course, paying off your loan is a must, so make sure you understand your options and responsibilities.[NEWLINE]agent: Do you want to apply for financial aid?[NEWLINE]user: no[NEWLINE]user: And what difference is there between government loans and those from private sources?[NEWLINE]agent: Loans made by the federal government, called federal student loans, generally have more benefits than loans from banks or other private sources. Learn more about the differences between federal and private student loans.[NEWLINE][BOUNDARY][NEWLINE]user: And how much can I ask for credit?[NEWLINE]agent: You can borrow up to $ 20,500 each year in unsubsidized direct loans. Direct PLUS loans can also be used for the rest of college costs, as determined by your school, not covered by other financial aid[NEWLINE][BOUNDARY][NEWLINE]user: What should I consider when applying for federal student loans?[NEWLINE]agent: Before applying for a loan, it is important to understand that a loan is a legal obligation that makes you responsible for paying the loan amount with interest.[NEWLINE][BOUNDARY][NEWLINE]user: How do I get a federal student loan?


user: what should I know about federal student loans?[NEWLINE]agent: You should know that you must repay your loan, so be sure you understand your options and responsibilities.[NEWLINE]agent: Have you applied for financial aid?[NEWLINE]user: not yet but almost ready[NEWLINE][BOUNDARY][NEWLINE]user: how does a loan help me?[NEWLINE]agent: It is an investment in your future.[NEWLINE]user: won't the interest kill me though?[NEWLINE]agent: If you show financial need, the government pays the interest on some loans while you are in school and during some periods after school.[NEWLINE]user: so I should go for it?[NEWLINE]agent: Don't be afraid to take out federal student loans, but you should be smart about it.[NEWLINE][BOUNDARY][NEWLINE]user: How do I do this then?[NEWLINE]agent: Do you want to apply for a federal student loan?


user: Can you explain what is involved with a federal student loan for college?[NEWLINE]agent: The most important thing that you should be aware of is that you must repay any loan you receive, in this regard, you are advised to be au fait with your options and responsibilities[NEWLINE]agent: Are you looking to apply for federal student aid in the near future?[NEWLINE]user: Not currently, but it may be something that I will need to consider in the future[NEWLINE][BOUNDARY][NEWLINE]user: What types of federal student loans can be applied for and are there restrictions or features of these loans that I should be aware of?[NEWLINE]agent: With a Direct Unsubsidized Loan, you are able to borrow up to $20,500 each year. Direct PLUS Loans are designed to be used for college costs that are determined by your school for expenses that are not covered by any other financial aids[NEWLINE][BOUNDARY][NEWLINE]user: What are the things I should know if I decide to take out loan through the FSA program?[NEWLINE]agent: When taking out a loan, you must fully understand who the loan is being taken by and the terms and conditions of the borrowing. There are a number of sources of student loans, these being the federal government, private sources such as banks or financial institutions and other organizations[NEWLINE][BOUNDARY][NEWLINE]user: Is there a limit to how much I can borrow if I am a graduate or professional student?[NEWLINE]agent: As a graduate or professional student, you can borrow up to $20,500 each year with a Direct Unsubsidized Loan. You may also use a Direct PLUS Loan on the remainder of your college expenses, which is not covered by other financial aids in the market[NEWLINE]user: How do I know which loan is right for me as a graduate or professional student?


user: Greetings and good morning. I recently hear about student loans and was wondering if it could be an option for me, Could you lend me a hand on that?[NEWLINE]agent: hi[NEWLINE]agent: hi[NEWLINE]user: hi[NEWLINE][BOUNDARY][NEWLINE]user: hi[NEWLINE]agent: hi[NEWLINE][BOUNDARY][NEWLINE]user: hi[NEWLINE]agent: hi[NEWLINE][BOUNDARY][NEWLINE]user: hi[NEWLINE]agent: hi[NEWLINE]user: hi


user: what do I need to know about loans to pay for school?[NEWLINE]agent: Make sure you understand your options and responsibilities when it comes to federal student loans.[NEWLINE]agent: Have you applied for financial aid?[NEWLINE]user: yes[NEWLINE]agent: You might be offered loans as part of your school's financial aid offer[NEWLINE]user: who gives us the loan?[NEWLINE]agent: They can come from the federal government, from private sources such as a bank or financial institution, or from other organizations.[NEWLINE][BOUNDARY][NEWLINE]user: do you have something I can look at to see the loan types?[NEWLINE]agent: You can look at Federal Student Loan Programs, it lists federal student loan programs with loan details.[NEWLINE][BOUNDARY][NEWLINE]user: what is something I should do when looking at loans?[NEWLINE]agent: You need to understand the terms of your loan.[NEWLINE][BOUNDARY][NEWLINE]user: Do you still have Federal Perkins loans?


user: Hello, I would like to know if Federal student loans are a good investment?[NEWLINE]agent: it is important that you pay off your loan, so make sure you understand your options and responsibilities.[NEWLINE]agent: Do you want to apply for financial aid?[NEWLINE]user: no[NEWLINE][BOUNDARY][NEWLINE]user: What if I have loans from the HEAL Program and I am in default with those loans?[NEWLINE]agent: In that case, contact the Debt Collection Center for help with account-related questions.[NEWLINE][BOUNDARY][NEWLINE]user: How much money can I borrow on federal student loans?[NEWLINE]agent: The maximum amount you can borrow each year in Subsidized Direct Loans and Unsubsidized Direct Loans varies from $ 5,500 to $ 12,500 per year, depending on what year you are in school and your state dependency.[NEWLINE][BOUNDARY][NEWLINE]user: If I have more general questions about the HEAL Program?[NEWLINE]agent: contact the ED HEAL Program Team at 1 - 844 - 509 - 8957 or HEAL@ed.gov.[NEWLINE][BOUNDARY][NEWLINE]user: and what happens when i sign my promissory note?


user: how do I know I'm cleared to get financial aid?[NEWLINE]agent: I can go over the basic eligibility criteria with you.[NEWLINE][BOUNDARY][NEWLINE]user: so what is the criteria?[NEWLINE]agent: Do you have a high school diploma or a GED?[NEWLINE]user: I have a diploma[NEWLINE]agent: It shows you are qualified to obtain a college or career school education[NEWLINE]user: do I need my social security number to ask for aid?[NEWLINE]agent: Yes, you must have a valid Social Security number[NEWLINE]user: do I need to register with selective service?[NEWLINE]agent: Yes, you need to be registered with Selective Service[NEWLINE]user: can we get away with not having a social security number?


user: what does my situation have to be like to get financial aid for college?[NEWLINE]agent: I can go over the basic eligibility criteria with you[NEWLINE][BOUNDARY][NEWLINE]user: Can ability to benefit alternatives help someone who has been in school before?[NEWLINE]agent: It can help you if you were enrolled in college or career school prior to July 1, 2012[NEWLINE][BOUNDARY][NEWLINE]user: what do I need to start? do I need to show my GED or do I need a diploma?[NEWLINE]agent: Do you have a high school diploma or a recognized equivalent such as a General Educational Development certificate?[NEWLINE]user: I have a GED[NEWLINE]agent: That GED shows you are qualified to obtain a college or career school education[NEWLINE]user: I also need to be registered for the draft, right?[NEWLINE]agent: Yes, you have to be registered with Selective Service[NEWLINE][BOUNDARY][NEWLINE]user: how do I register if I forgot about it?


user: What requirements do I need to qualify for federal student aid?[NEWLINE]agent: There are several basic eligibility criteria to meet.[NEWLINE][BOUNDARY][NEWLINE]user: Can you please tell me the basic criteria for eligibility?[NEWLINE]agent: One of the requirements is to be enrolled at least half-time to be eligible for a Direct Loan Program funds.[NEWLINE][BOUNDARY][NEWLINE]user: What if I am a citizen of the Federated States of Micronesia, the Republic of the Marshall Islands, or the Republic of Palau??[NEWLINE]agent: Then you would be exempt from registering for selective service.[NEWLINE][BOUNDARY][NEWLINE]user: What do I need to show to obtain a college education?[NEWLINE]agent: Do you have your high school diploma or a GED certificate.[NEWLINE]user: Yes, I have my high school diploma to provide.[NEWLINE]agent: Then you are qualified to get a college education.[NEWLINE][BOUNDARY][NEWLINE]user: do I need to register with Selective Service?


user: Hi, I'd like to know what requirements I must meet to qualify for federal student aid.[NEWLINE]agent: we must first review the basic eligibility criteria[NEWLINE][BOUNDARY][NEWLINE]user: and among the requirements is to maintain academic progress?[NEWLINE]agent: yes, is it important to maintain satisfactory academic progress in college or vocational school to remain eligible[NEWLINE][BOUNDARY][NEWLINE]user: and where can i have more information?[NEWLINE]agent: For more information on these criteria, speak to your school's financial aid office.[NEWLINE]user: And how do I show if I am qualified to get a higher education?[NEWLINE]agent: do you have a diploma or GED?[NEWLINE]user: no[NEWLINE]agent: Have you completed six credit hours or course work?[NEWLINE]user: yes[NEWLINE]agent: If you were enrolled in a university or vocational school before July 1, 2012, or if you are currently enrolled in an eligible career program, you can demonstrate that you are qualified for a higher education[NEWLINE][BOUNDARY][NEWLINE]user: and should i register?


user: Good morning, how you doing?. I've thinking about getting a student aid, but need some info about what could i need for it.[NEWLINE]agent: Hey there, welcome. Indeed, need to meet some basic criteria to access federal aid, so we could go with those and see if you meet them.[NEWLINE][BOUNDARY][NEWLINE]user: Alright. I guess one of the obvious ones is to be an american citizen to apply, right?[NEWLINE]agent: That's correct. However, is not limited no U.S nationals only. Even noncitizen can apply, if they are eligible.[NEWLINE][BOUNDARY][NEWLINE]user: Oh, that's nice. Speak much about inclusion. Say, I just remember this, what are the ways to show I'm qualified to access higher education?[NEWLINE]agent: Do you mean something like an ability test? Because you have the ability to benefit test. Is that what you're looking for?[NEWLINE]user: Yeah, correct, I think that should be the thing i need to know about.[NEWLINE]agent: Good. To be able for an ability to benefit test, which can be administered by a college, you had to be enrolled in college or career school prior July 1, 2012 or being currently enrolled in a eligible career pathway program.[NEWLINE]user: Did you say before July 1st, aren't you?[NEWLINE]agent: That's right. The deadline was July 1, 2012.[NEWLINE][BOUNDARY][NEWLINE]user: O.k, got that written down. Hey, talking again about criteria, could you tell me more examples?


user: Hi, I'd like to know what requirements I must meet to qualify for federal student aid.[NEWLINE]agent: We need to review the basic eligibility criteria.[NEWLINE][BOUNDARY][NEWLINE]user: What requirements must I meet to remain eligible?[NEWLINE]agent: among the requirements is to maintain satisfactory academic progress in the university or vocational school[NEWLINE]user: What things should I avoid when I sign the certification statement?[NEWLINE]agent: you don't owe money on a federal student scholarship,[NEWLINE]user: How can I show that I am qualified?[NEWLINE]agent: Do you have a high school diploma or a recognized equivalent such as a General Educational Development GED certificate?[NEWLINE]user: no[NEWLINE]agent: have you completed a secondary education?[NEWLINE]user: yes[NEWLINE]agent: then you may qualify for a college or career education[NEWLINE][BOUNDARY][NEWLINE]user: and should I register for the selective service?


user: Hello, what are the requirements for federal aid?[NEWLINE]agent: To qualify for aid, basic eligibility criteria must be met[NEWLINE][BOUNDARY][NEWLINE]user: It is noteworthy that financial aid the school offers an eligible career program.[NEWLINE]agent: La capacidad con la que cuenta la institución es importante[NEWLINE][BOUNDARY][NEWLINE]user: If it is male, the ages must be between 18 and 25.[NEWLINE]agent: In addition you must be enrolled or accepted to enroll as a regular student.[NEWLINE][BOUNDARY][NEWLINE]user: It is important to demonstrate that you must be qualified to obtain a higher education[NEWLINE]agent: The university can administer a test to determine if it can benefit from academic aid.[NEWLINE]user: The true need for academic help must be demonstrated.[NEWLINE]agent: Complete six credit hours or equivalent course work to earn a degree or certificate to qualify for academic aid.[NEWLINE]user: Most likely, you may not get help while you earn six credit hours.


user: hi[NEWLINE]agent: hi[NEWLINE][BOUNDARY][NEWLINE]user: hi[NEWLINE]agent: hi[NEWLINE]user: Oh, i see. But, that is mandatory for everyone who request federal student aid? Because I'm a noncitizen, from Marshall Islands, to be specific.[NEWLINE]agent: IF that's your case, and your documentation effectively proves that, then you are exempt from that registration.[NEWLINE][BOUNDARY][NEWLINE]user: Wow, that's a relief. Sorry, i don't mean anything wrong with that, just that i was already overthinking all the thing. Well, another question now, the other day I read something about a test to show my value on he hopes for higher education. Do you know about that?[NEWLINE]agent: You're talking about the ability to benefit test. Don't you have a diploma or GED?[NEWLINE]user: No, i don't have one.[NEWLINE]agent: O.k. Now, have you completed credit hours or equivalent course work toward a degree or certificate, six hours to be precise?[NEWLINE]user: No, nothing like that, sorry.


user: Is there certain requirements I need to qualify for federal student aid?[NEWLINE]agent: Yes we can go over the basic eligibility criteria.[NEWLINE][BOUNDARY][NEWLINE]user: Is it necessary for me to register for Selective Service if I am a male to receive federal student aid?[NEWLINE]agent: Yes since you are a male you must register with Selective Service to receive federal student aid.[NEWLINE][BOUNDARY][NEWLINE]user: How many credits must I take to be eligible for Direct Loan Program funds?[NEWLINE]agent: You must be enrolled at the college for at least half-time to be eligible for Direct Loan Program funds.[NEWLINE]user: What is another criteria beside being registered with Selective Service?[NEWLINE]agent: Another criteria is to be enrolled or accepted for enrollment as a regular student in an eligible degree or certificate program.[NEWLINE][BOUNDARY][NEWLINE]user: Why must I register for Selective Service if I want federal student aid?[NEWLINE]agent: You must register with Selective Service if you are a male and want to receive federal student aid.[NEWLINE]agent: Are you a citizen of one of the Federated States of Micronesia, the Republic of the Marshall Islands, or the Republic of Palau?[NEWLINE]user: Yes, I am a citizen of one of those.


user: Hello, can you tell me what is required to qualify for federal student aid?[NEWLINE]agent: It is vital to review the eligibility processes.[NEWLINE][BOUNDARY][NEWLINE]user: What is the profit capacity?[NEWLINE]agent: This benefit is primarily if you were enrolled in a university or vocational school.[NEWLINE][BOUNDARY][NEWLINE]user: Can you expand that information further?[NEWLINE]agent: It consists of being enrolled at least half time to be eligible.[NEWLINE]user: Need to show that you are qualified for such help?[NEWLINE]agent: Exactly, it is vital to have a high school diploma.[NEWLINE]user: What else is needed please?[NEWLINE]agent: It is essential that you complete a secondary education.[NEWLINE]user: Perfect, what else do I need to know?[NEWLINE]agent: You must also enroll in an eligible professional career program and complete one of the alternatives.[NEWLINE]user: Perfect and what else?


user: are charges added if my loan is being collected by a debt collector?[NEWLINE]agent: Have you defaulted on your federal school loan?[NEWLINE]user: yes and a collection agency is involved[NEWLINE]agent: You are liable for the costs of collecting your defaulted federal student loans. The largest of these costs are usually the costs of placing your loan with a private collection agency. They amount to 17.92% of your outstanding balance, which includes principal, interest, and fees.[NEWLINE][BOUNDARY][NEWLINE]user: how do I know what collection agency to get in touch with?[NEWLINE]agent: Do you have a federal student loan?[NEWLINE]user: no, isn't it with someone else...it could be a federal student loan[NEWLINE]agent: Have you heard from a collection agency regarding your loan?[NEWLINE]user: yes[NEWLINE]agent: You can contact ED’s Default Resolution Group to find which collection agency you are dealing with.[NEWLINE][BOUNDARY][NEWLINE]user: are the people trying to charge me to get my loan taken care of legit?


user: Are there additional costs that I would have to pay if my student loan was handed to a collection agency?[NEWLINE]agent: Are you currently in default with your student loan?[NEWLINE]user: Yes, I have fallen into arrears on my loan and am fearful that it will be handed over to a collection agency[NEWLINE]agent: If a collection agency is involved, you will liable for any of the costs involved in handing over the loan. The costs involved are equal to 17.92% of your outstanding balance, this amount includes principal, interest and fees[NEWLINE][BOUNDARY][NEWLINE]user: I have heard that some people have been told that their loans can be taken out of default for a fee. Is this true?[NEWLINE]agent: The best advice in this instance is to ignore this. Your loan can be taken out of default for free through the Default Resolution Group[NEWLINE][BOUNDARY][NEWLINE]user: Am I notified when a Treasury Offset is about to happen with my Student loan?[NEWLINE]agent: A notice of intent to offset your loan will be sent to your last known address. This notice will inform you that the offset will begin in 65 days. Normally, this correspondence will only be sent once[NEWLINE][BOUNDARY][NEWLINE]user: Is there any way that I can contact the Collection Agency involved with my Student Loan?[NEWLINE]agent: The Department of Education currently deals with the collection agencies as they are contracted to do so. A list is available on the website[NEWLINE][BOUNDARY][NEWLINE]user: What is the outcome if I don't agree to a repayment agreement on my defaulted student loan?


user: are they going to add fees to my loan if a debt collector gets involved?[NEWLINE]agent: Have you defaulted on a federal student loan?[NEWLINE]user: not yet but you know[NEWLINE][BOUNDARY][NEWLINE]user: who do I talk to about wage garnishment or avoiding it?[NEWLINE]agent: You can contact your loan holder.[NEWLINE][BOUNDARY][NEWLINE]user: what happens when the debt collector gets involved?[NEWLINE]agent: If your loan is placed with a collection agency, you will be responsible for costs incurred by your loan holder to get payment. These costs amount to 17.92% of your loan amount if your loan is held by ED. Other loan holders may charge a different amount.[NEWLINE][BOUNDARY][NEWLINE]user: will they let me know before they pass my loan on to someone else to collect?[NEWLINE]agent: Yes, they will let you know. Before a defaulted loan is placed with a private collection agency, you will get an explanation on what you can do to avoid both the assignment to a private collection agency and the reporting of default status to credit agencies.[NEWLINE][BOUNDARY][NEWLINE]user: are these people that offer to help me with the loan for a fee any good?


user: I'm getting calls from someone who wants to charge me fees to get my federal loan out of default.[NEWLINE]agent: This is a scam. The first thing you should do is contact the Default Resolution Group for help.[NEWLINE]agent: Are they asking you to pay for enrollment or maintenance fees?[NEWLINE]user: Yes, they are asking for maintenance fees.[NEWLINE]agent: Okay. The best thing to do is ignore them when they try to contact you. If you are in need of real help with your defaulted loan, the Default Resolution Group can help you for free.[NEWLINE]user: Where can I go to learn more about protecting myself from these types of scams?[NEWLINE]agent: You should take a look at our blog post titled, "Don't Be Fooled: You Never Have to Pay for Student Loan Help".[NEWLINE][BOUNDARY][NEWLINE]user: Thank you. I'm afraid that my defaulted student loan will cause my wages to be garnished. How can I avoid this.[NEWLINE]agent: One way you can avoid garnishment is to make a request for a hearing.[NEWLINE]user: I lost my job last year and have just stared a new job 2 months ago. Will my wages still be garnished?[NEWLINE]agent: This is definitely something that you should bring up at the hearing. Since you have been employed for less than 12 months after having previously been involuntarily separated from your employment, it may be ruled that your wages cannot be garnished at this time.[NEWLINE]user: What rights do I have with garnishment?


user: I just got contacted by someone offering me to get my federal student loan out of default and his asking for some fees.[NEWLINE]agent:  If it's not the Default Resolution Group then you should walk away.[NEWLINE]agent: Was it a company that contacted you asking for fees?[NEWLINE]user: It wasn't.[NEWLINE]agent: Do you need to know more about this?[NEWLINE]user: Not right now.[NEWLINE][BOUNDARY][NEWLINE]user: But I want to know about wage garnishing.[NEWLINE]agent: For that matter, you should contact your loan holder.[NEWLINE]user: Ok, but do you have any tips on how to avoid the garnishment of 15% of my disposable pay?[NEWLINE]agent: You can negotiate repayment terms acceptable to ED or the private collection agent and ensure that ED receives the first payment no later than 30 days from the day the garnishment notice was sent.[NEWLINE][BOUNDARY][NEWLINE]user: cool. Can you tell me more about what should I do if I'm contacted by anyone that's not the Default Resolution Group about fees for getting my student loan out of default?


user: what will happen if I default on a student loan?[NEWLINE]agent: Have you defaulted on your federal student loan?[NEWLINE]user: no, just wondering[NEWLINE]agent: Have you looked into repayment arrangements?[NEWLINE]user: no I just started looking for info to be prepared if it happens[NEWLINE][BOUNDARY][NEWLINE]user: who can I call if I think someone is trying to scam me because of my loan?[NEWLINE]agent: Stay away from anyone you feel is trying to take advantage of the situation and contact the Default Resolution Group.  The Default Resolution Group can help you get your loan out of default for free[NEWLINE][BOUNDARY][NEWLINE]user: what are some of the things that they can do to me if I default on a Federal Family loan?[NEWLINE]agent: Your state tax refunds may also be withheld and applied toward repayment of your loan, and you may also lose your driver's license or other state-issued licenses.[NEWLINE]user: can I fight this?


user: I have been contacted by someone who has told me that they can get my federal student loan out of default for a fee. What should I do?[NEWLINE]agent: You first port of call in this instance should always be the Default Resolution Group[NEWLINE]agent: Has any company sought "enrollment", "subscription" or "maintenance" fees from you to help get you out of default?[NEWLINE]user: Yes, I have been contacted in this manner[NEWLINE]agent: Your first action here should be to walk away. Your loan can be moved out of default for free with the Default Resolution Group[NEWLINE][BOUNDARY][NEWLINE]user: Is there any way that I can avoid having 15% of my wages garnished when dealing with loan collections?[NEWLINE]agent: One way to avoid this is to come to an agreement with the ED and negotiate better repayment terms for you which are acceptable by the ED or the private collection agency. You must ensure that the ED receives the first payment that is due no later than 30 days from the date of garnishment[NEWLINE][BOUNDARY][NEWLINE]user: Is there anywhere that I can learn more about companies seeking fees to get my loan out of default?[NEWLINE]agent: You should read our blog post called "Don't Be Fooled; You Never Have to Pay for Student Loan Help"[NEWLINE][BOUNDARY][NEWLINE]user: Are there other collection costs applicable apart from the cost of placing my loan with a collections agency?[NEWLINE]agent: You may have other costs, such as Treasury offset processing fees. There may also be costs associated with potential civil litigation from the Department of Justice[NEWLINE][BOUNDARY][NEWLINE]user: How do collection agencies work when they take over a loan that is in default?


user: Hi there. I would like some information related to the fact that my loan is placed with a collection agency.[NEWLINE]agent: Sure. But, we need to ask, is your loan on default?[NEWLINE]user: No, not at all.[NEWLINE][BOUNDARY][NEWLINE]user: Thanks. My main problem is that I got a email saying that I was getting extra fees to get my student loan out of default, and I want to know, what can I do about it?[NEWLINE]agent: In that case, you need to contact the default resolution group to be sure of this information.[NEWLINE]user: Even if this says that is to get my loan out of default?[NEWLINE]agent: Yes, yes, the best thing you can do is contact the default resolution group directly.[NEWLINE]user: SOme of the parts of the email said stuff like I had to pay something about some subscription, is this normal?[NEWLINE]agent: No, that's not normal or legal. If any company ask you something like that you should walk away.[NEWLINE][BOUNDARY][NEWLINE]user: I see... But I have heard about some collection agencies, but I don't know how to get in contact with them, what can I do?


user: Hi there. I have some questions related to fees charged to me to get my loan out of default.[NEWLINE]agent: I see... In this kind of cases the best thing to do is get in contact with the default resolution group.[NEWLINE]agent: Anyone have tried to ask you for payments to help you to get out of default on your loan?[NEWLINE]user: Yes, someone want to charge me fees and want me to pay for help.[NEWLINE]agent: In this case, you should walk away. The resolution group can help you with this for free.[NEWLINE][BOUNDARY][NEWLINE]user: But who I can contact to be able to talk with?[NEWLINE]agent: For this, is better you get in contact with your loan holder, which is prepared to help you.[NEWLINE][BOUNDARY][NEWLINE]user: Normally, how much are the interest and fees that are apply on the loans?[NEWLINE]agent: Normally is 17.92% over the original amount of the loan.[NEWLINE][BOUNDARY][NEWLINE]user: This also applies for private collection companies?[NEWLINE]agent: The private collection agencies earn a commission for any payments you make.[NEWLINE][BOUNDARY][NEWLINE]user: I see... But if I want to look for more information, where I can found more information?


user: who do I complain to about a financial aid issue at my school?[NEWLINE]agent: Do you feel that your school is not administering federal student aid funds properly?[NEWLINE]user: no I have another problem with them[NEWLINE]user: I think they made a mistake with my eligibility so who do I talk to?[NEWLINE]agent: Do you think your school paid out your aid in the wrong amount, at the wrong time, or not at all?[NEWLINE]user: no, just feel they classified me wrong[NEWLINE]agent: Do you feel that your school has policies for federal student aid programs but isn’t following them?[NEWLINE]user: no because I got my application done but just feel there was a small mistake on how they did it[NEWLINE]agent: Do you believe your school has made false or misleading statements about the school’s educational programs or financial charges?[NEWLINE]user: NO. this is weird are you a chat bot? are you listening to me?


user: How can I make a complaint about how my college is handing out financial aid?[NEWLINE]agent: Do you feel your school is not adiministering federal student aid funds the way it is supposed to?[NEWLINE]user: Yes, I think they are not administering federal student aid properly.[NEWLINE]agent: I can give you some info that could help you determine how to solve your problem or submit a complaint.[NEWLINE][BOUNDARY][NEWLINE]user: What is the process of joining the military service?[NEWLINE]agent: First you need to get in touch with a recruiter to learn more about the service with each branch.[NEWLINE][BOUNDARY][NEWLINE]user: I think my school did not calculate my eligibility for federal student grants, loans, or work-study correctly, what should I do?[NEWLINE]agent: Did your school pay out your aid or credit balance incorrectly in the wrong amount, at the wrong time, or not at all?[NEWLINE]user: Yes, they did not pay out what they stated.[NEWLINE]agent: You would need to call the Federal Student Aid Feedback center.[NEWLINE][BOUNDARY][NEWLINE]user: What should I expect if I receive a Federal Pell Grant?


user: My school didn't give me the right amount of financial aid. Who do I talk to to get it fixed?[NEWLINE]agent: So you believe that your financial aid has not been administered properly?[NEWLINE]user: I mean, I don't know exactly but it doesn't seem right.[NEWLINE]user: I think the amount I was supposed to get more. And there is another student with the same name as me so I think maybe it was mixed up. What do I do?[NEWLINE]agent: Ok, then this could be a simple mixup or a case of identity theft. Does that sound right to you?[NEWLINE]user: I just didn't get the right amount and I think someone did something wrong somewhere. I don't know if any rules were broken but it's just not right.[NEWLINE]agent: It could also be a case of something calculated incorrectly in the financial aid amount.[NEWLINE]user: Yes, it could be that too. I just need to know who to contact to get it fixed.[NEWLINE]agent: The first step would be to contact your school's financial aid department to try and get it straightened out.[NEWLINE][BOUNDARY][NEWLINE]user: Is there any way I could get a deferment on my student loan payments?


user: Hello. I have some doubts about how to make a complain, about the management of my aid.[NEWLINE]agent: Do you think your school is not doing a good work in the administration of your federal student aid?[NEWLINE]user: No, not exactly that.[NEWLINE]user: Is common to found that the schools calculate the loans or aids in a wrong way?[NEWLINE]agent: There has been any kind of problems with the amount or timing of the aids with you?[NEWLINE]user: Yes. I There are been some delays on the payments.[NEWLINE]agent: In this case, we need to check this.[NEWLINE]user: Alright, well, the biggest problem I use to have is the fact that my payment is not made in time.[NEWLINE]agent: Alright, no problem. You can contact with your school, to talk about that.[NEWLINE]user: But what happens if I believe there was a violation of the policies of the federal student aid program?


user: I am having a problem with the financial aid that I am receiving and specifically with the way my school is administering the funds from this aid. Is there anywhere that I can make a complaint?[NEWLINE]agent: Have you good reason to believe that your school is not performing as it should in the administration of your financial aid?[NEWLINE]user: Yes, I believe they are doing a very bad job of handling my financial aid[NEWLINE]agent: In that case, I will direct you to the relevant section on the website that deals with all things financial connected with schools, where you will find the relevant information necessary to help you[NEWLINE]user: What happens if I believe that I have evidence that my school is in violation of its own policies or federal regulations with regards to the handling of my funding, where do I go with this?[NEWLINE]agent: Something like this could arise when your school incorrectly calculated your eligibility for federal student grants, loans or work-study[NEWLINE][BOUNDARY][NEWLINE]user: Is there a difference between the Iraq and Afghanistan Service Grant and the Pell Grant?[NEWLINE]agent: The maximum amount awarded by the Iraq and Afghanistan Service Grant is the same as that awarded by the Pell Grant. With both of these grants, your EFC is not affected which means that your eligibility for any need-based federal student aid will also not be affected[NEWLINE][BOUNDARY][NEWLINE]user: How do I further my complaint with my school over my belief that they have mishandled the administration of funding of my financial aid?[NEWLINE]agent: The next steps you take depends on the particular situation. If you have tried to solve the problem between the school and yourself but to no avail, then you may contact the Federal Student Aid Feedback Center or call 1-844-651-0077. If you suspect that your school has given your funding to someone else, then you should familiarise yourself with identity theft and how to report it to our Office of Inspector General Hotline[NEWLINE][BOUNDARY][NEWLINE]user: Is there anywhere I can go to learn more about military service?


user: Is it possible to submit a complaint about how my college is administering my financial aid?[NEWLINE]agent: Do you actually think your school is not administering federal student aid funds right?[NEWLINE]user: Yes, I believe they are not handling federal student aid correctly.[NEWLINE]agent: I have some info that could help you determine how to solve the problem or submit a complaint.[NEWLINE]user: What if I believe they have violated its own policy or federal regulations in its administration of the federal aid program.[NEWLINE]agent: You would have to contact your school first.[NEWLINE]user: I believe my school calculated my eligibility for federal student grants, loans, aid incorrectly, what should I do?[NEWLINE]agent: Do you think your school paid out your aid incorrectly or not at all or the wrong amount?[NEWLINE]user: No they did something else.[NEWLINE]agent: Does your school not have a financial aid administrator yet, doesn't have policies for administering federal student aid, or is not following the policies?[NEWLINE]user: No, they have an administrator and have policies.[NEWLINE]agent: Has your school made false statements about the educational programs, financial charges, or employability of graduates?[NEWLINE]user: No, that is not the case.


user: I have some suspicions on how my college is using my student aid. What can I do about it?[NEWLINE]agent: Do you think your school is not administering federal student aid funds properly?[NEWLINE]user: That's what I think, yes.[NEWLINE]agent: I can give you some information to help you solve your problem or file a complaint. First, you should contact your schooll and try to solve your doubts with them and if you still think that the funds are not being used correctly then contact the Federal Student Aid Feedback Center or call 1-844-651-0077[NEWLINE][BOUNDARY][NEWLINE]user: Ok, thanks. Now, what if I'm called to serve actively in the military, can I get a deferment of my federal loan?[NEWLINE]agent: Yes, you'll qualify for deferment of repayment on any of your federal loans if that happens.[NEWLINE][BOUNDARY][NEWLINE]user: cool. Going back to my previous question. If I think I'm not getting the correct amount from the federal aid, should I contact my college or the Federal Student Aid Feedback Center?[NEWLINE]agent: You should try to resolve the problem with your college first.[NEWLINE][BOUNDARY][NEWLINE]user: Who can access the military aid for college school?[NEWLINE]agent: This aid is intended for veterans, future military personnel, active-duty personnel, or anybody related to veterans or active-duty personnel.[NEWLINE][BOUNDARY][NEWLINE]user: Now, about the grant funds. What if I'm not eligible for the Federal Pell Grants?


user: how do I file a complaint on my school's financial aid office?[NEWLINE]agent: Do you believe your school is not administering federal student aid funds properly?[NEWLINE]user: no, not overall maybe they are but I think they messed my aid up[NEWLINE]user: what if I think they may have given some of my aid to someone else?[NEWLINE]agent: I can link you to a page where you can Learn about identity theft and how to report it to our Office of Inspector General Hotline[NEWLINE]user: can I just file a complaint because they didn't follow policy and they messed up what I should be getting?[NEWLINE]agent: Yes, you can submit a complaint if you feel that your school calculated your eligibility for federal student grants, loans, or work-study incorrectly[NEWLINE]user: am I right to assume I am dealing with the school when they give out aid or is it run by the federal government?[NEWLINE]agent: Your college or career school not the U.S. Department of Education will distribute your financial aid.[NEWLINE][BOUNDARY][NEWLINE]user: Do you also have info on how to apply for army ROTC scholarships?


user: My Dad was in the military. I need to know if this qualifies me for any kind of financial aid for college.[NEWLINE]agent: For military families, scholarships and loan repayment assistance are available to you from several sources.[NEWLINE][BOUNDARY][NEWLINE]user: Where can I submit a complaint about ow my college is using my financial aid?[NEWLINE]agent: I can provide you with some information that may help you solve your problem or submit a complaint.[NEWLINE][BOUNDARY][NEWLINE]user: Thank you. Does Paralyzed Veterans of America offer any scholarships to military families?[NEWLINE]agent: Yes, they do.[NEWLINE][BOUNDARY][NEWLINE]user: What other kind of financial aid does the government provide for military families?[NEWLINE]agent: I can give you information on a few sources of financial aid that you can consider, but I also suggest that you check out todaysmilitary.com. You will find a list of education benefits.[NEWLINE][BOUNDARY][NEWLINE]agent: What are Reserve Officers Training Corps Scholarships?[NEWLINE]user: Yes, I would like to know more about these scholarships.[NEWLINE]agent: Great. Unlike some other military scholarships, the ROTC Scholarships are based on merit instead of financial need.[NEWLINE][BOUNDARY][NEWLINE]user: Now, about my complaint. Should I file it?


user: tell me about tax benefits for school purposes[NEWLINE]agent: Tax benefits can be used to get back some of the money you spend on tuition or loan interest or to maximize your college savings.[NEWLINE][BOUNDARY][NEWLINE]user: how much can I claim on the lifetime learning credit?[NEWLINE]agent: It allows you to claim up to $2,000 per student per year for tuition and fees, as well as for books, supplies, and equipment that were required for the course and had to be purchased from the school.[NEWLINE]user: is that for the lifetime learning credit?[NEWLINE]agent: Yes[NEWLINE][BOUNDARY][NEWLINE]user: what can you tell me about savings through the Coverdell savings?[NEWLINE]agent: The Coverdell Education Savings Account  allows up to $2,000 a year to be put aside for a student’s education expenses.[NEWLINE][BOUNDARY][NEWLINE]user: what other tax credits do you have?[NEWLINE]agent: Two tax credits help offset the costs of college by reducing the amount of your income tax; The American Opportunity Credit  and The Lifetime Learning Credit.[NEWLINE]agent: Do you file a tax return?[NEWLINE]user: I don't file


user: I could use some tax benefits help[NEWLINE]agent: Okay, tax benefits can be used to get back some of the money you spend on tuition or loan interest or to maximize your college savings.[NEWLINE][BOUNDARY][NEWLINE]user: how do they help me?[NEWLINE]agent: They help offset the costs of college by reducing the amount of your income tax.[NEWLINE]agent: Did you miss filing a tax return this year?[NEWLINE]user: no I filed[NEWLINE]user: can you give me an example of one of these credits?[NEWLINE]agent: Okay, The Lifetime Learning Credit allows you to claim up to $2,000 per student per year for any college or career school tuition and fees, as well as for books, supplies, and equipment that were required for the course and had to be purchased from the school.[NEWLINE]user: are there others?[NEWLINE]agent: There is the American Opportunity Credit which allows you to claim up to $2,500 per student per year for the first four years of school as the student works toward a degree or similar credential.[NEWLINE][BOUNDARY][NEWLINE]user: what does the coverdell savings account do for me?


user: how can tax benefits help me?[NEWLINE]agent: They help you by getting you back some of the money you spend on tuition or loan interest or they can maximize your college savings.[NEWLINE][BOUNDARY][NEWLINE]user: what is the most I can claim as a credit?[NEWLINE]agent: The American Opportunity Credit allows you to claim up to $2,500 per student per year for the first four years of school.[NEWLINE]user: how many of these types of credits are there?[NEWLINE]agent: There are two tax credits that help offset the costs of college by reducing the amount of your income tax.[NEWLINE]agent: Do you normally file a tax return?[NEWLINE]user: yes, but not every year[NEWLINE]agent: Even if you normally wouldn’t file a tax return because of your income level, you should still do it, so you don't miss out on tax credits.[NEWLINE]user: what is the other tax credit besides the one you already told me about?[NEWLINE]agent: There is also the Lifetime Learning Credit which allows you to claim up to $2,000 per student per year.[NEWLINE][BOUNDARY][NEWLINE]user: are there any of those prepay programs that gives us tax benefits?


user: Hi there. I'm looking information related to economic aid for college students.[NEWLINE]agent: Great. Well, yes, it is possible to get aids for your college studies, for tuition and maximize your college savings.[NEWLINE][BOUNDARY][NEWLINE]user: This tuition programs, do you bring help about it?[NEWLINE]agent: Yes, you can always ask to the financial aid office or admissions staff about this topic.[NEWLINE][BOUNDARY][NEWLINE]user: There are any kind of tax help for college students?[NEWLINE]agent: Yes,  there are tax credits, which can help you to get access to tuitions, books, supplies and equipment for college or career school, this also will help you to reduce the amount of your income taxes.[NEWLINE]agent: Have you ever filled a tax return form? This may help you.[NEWLINE]user: No, I haven't, but I'll have it present in the future.[NEWLINE]user: Alright, thanks. But how much money this help brings for students?[NEWLINE]agent: The lifetime learning credit allows you to claim up to $2,000 per student per year for any kind of education and the equipment you may need.[NEWLINE]user: This is the only amount of money that students receive?


user: Are there any tax benefits that I can avail of when paying for education?[NEWLINE]agent: Yes there are, you can earn tax benefits to get back some of the money you have spent on education, which will maximize your college savings[NEWLINE][BOUNDARY][NEWLINE]user: Where can I find more information on Qualified Tuition Programs?[NEWLINE]agent: The best advice is to contact the financial aid or admissions staff at your school, they can help you with all of this[NEWLINE][BOUNDARY][NEWLINE]user: I am interested in the Student Loan Interest Deduction scheme, can you give me further information about this please?[NEWLINE]agent: If you took out a student loan for yourself, your spouse or your dependent, you can avail of a tax deduction for any interest that was paid on these loans. This tax benefit applied to all loans that were taken out for education, not just federal student loans. The maximum deduction that you can avail of is $2,500 per year[NEWLINE][BOUNDARY][NEWLINE]user: Can you give me some more information on tax credits that are available for higher education expenses?[NEWLINE]agent: There are currently two types of tax credits available. Thes credits offset the costs of tuition, fees, books, supplies or equipment which ultimately reduces the amount of income tax that you pay[NEWLINE]agent: Do you normally file an annual personal tax return?[NEWLINE]user: No, I have never done so up until now[NEWLINE][BOUNDARY][NEWLINE]user: Is it possible to withdraw from an IRA to help with college costs?


user: Is it true the IRS provides tax benefits for education?[NEWLINE]agent: Yes and the tax benefits could be used to get back some money you spent on tuition or loan interest.[NEWLINE][BOUNDARY][NEWLINE]user: What are Qualified Tuition Programs?[NEWLINE]agent: A QTP or 529 Plan is established by a state or school so you are able to prepay or save up to pay for your education related expenses and once withdrawn for school it will not be taxed.[NEWLINE]user: How will I know if my college I plan on going to takes part in the QTP?[NEWLINE]agent: Just ask your financial aid office or admission staff.[NEWLINE][BOUNDARY][NEWLINE]user: What exactly is a Coverdell Education Savings Account?[NEWLINE]agent: A Coverdell Education Savings Account lets you save up to $2,000 a year for student education expenses for elementary, secondary, or college.[NEWLINE][BOUNDARY][NEWLINE]user: Are there any tax credits for higher education expenses?[NEWLINE]agent: Yes, two tax credits are available to help with the costs of tuition, fees, books, supplies, or equipment of college.[NEWLINE]agent: Do you not file a tax return?


user: I want to know about tax benefits and school costs[NEWLINE]agent: Tax benefits can be used to get back some of the money you spend on tuition[NEWLINE][BOUNDARY][NEWLINE]user: do you have anything about a savings plan for school?[NEWLINE]agent: Yes, I can help you learn more about state 529 plans[NEWLINE]user: do all schools participate in this?[NEWLINE]agent: To find out if the school you plan to attend participates in a 529 plan you can ask the financial aid or admissions staff.[NEWLINE][BOUNDARY][NEWLINE]user: are there any tax credits?[NEWLINE]agent: There are two tax credits that help with the costs of college by reducing the amount of your income tax[NEWLINE]agent: Did you miss filing a tax return?[NEWLINE]user: no I did file[NEWLINE]user: what's the most I can get as a tax credit?


user: tell me about college tax benefits[NEWLINE]agent: Tax benefits can be used to get back some of the money you spend on college.[NEWLINE][BOUNDARY][NEWLINE]user: tax credits?[NEWLINE]agent: Tax credits is one way to offset the costs of college or career school by lowering the amount of your income tax.[NEWLINE]agent: null[NEWLINE]user: no[NEWLINE]user: what's one way to use a tax credit?[NEWLINE]agent: You can use the American Opportunity Credit it allows you to claim up to $2,500 per student per year for the first four years of school as you work toward a degree.[NEWLINE][BOUNDARY][NEWLINE]user: is there a savings program?[NEWLINE]agent: You will need to ask the financial aid office whether the college you plan to attend participates in one of these programs.[NEWLINE][BOUNDARY][NEWLINE]user: any tax deductions to help?