user: when will I get the money to pay for books I need because you are late and I need it?[NEWLINE]agent: Has your school not provided a way for you to obtain your books and supplies by the seventh day of the term?[NEWLINE]user: no they haven't[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: also can you tell me how a directplus loan is payed out like a grant?[NEWLINE]agent: Direct PLUS Loan funds are disbursed according to the same type of schedule[NEWLINE][BOUNDARY][NEWLINE]user: Can you please tell me on where can I check the information regarding my loans if my loan is passed to a different administrator?[NEWLINE]agent: All of your loan information will be transferred from your assigned administrator to your new administrator, but you may only be able to view information online that covers the period since your new administrator took over your loans....[NEWLINE][BOUNDARY][NEWLINE]user: I'd like to ask another question regarding my finacial aid. If ever I have money left in my financial aid after it is applied to my tuition fees and other school charges, where can I use the remaining balance?[NEWLINE]agent: Any money left over will be paid out to you directly within 14 days unless you authorize the school to keep the money to pay for future institutional charges[NEWLINE][BOUNDARY][NEWLINE]user: I would personally prefer the 2nd option that the money is used for future charges. What if I have 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: One more thing, if I have finished the financial aid process, how do you cancel my work-study? Could it be through my bank account?[NEWLINE]agent: Yes, they can send your payments directly to your bank account[NEWLINE][BOUNDARY][NEWLINE]user: so the government is the one that pays us?


user: I wanted to know how you will give me the financial aid to pay for books[NEWLINE]agent: Has your school provided a way for you to obtain your books and supplies by the seventh day of the term?[NEWLINE]user: no so what now?[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: is there anyway I can pay the bookstore later and get what I need now?[NEWLINE]agent: You can look to see if your school offers a bookstore voucher or other means for students to receive their books and supplies through the school or its bookstore.[NEWLINE][BOUNDARY][NEWLINE]user: I also need more info about Entrance Counseling? why do we have to do this?[NEWLINE]agent: The Federal Government requires you to complete entrance counseling to ensure that you understand the responsibilities and obligations you are getting into.[NEWLINE][BOUNDARY][NEWLINE]user: Ok, I appreciate it, but I also need to find out about grants.  I do not understand why the grant works in such a manner that I can't buy my books yet.[NEWLINE]agent: Usually the school first applies your grant money toward your tuition, fees, and room and board. Money left over is paid to you directly for other education expenses like the books you need.[NEWLINE][BOUNDARY][NEWLINE]user: about identifying your service provider, how do I find out who my loan manager is?[NEWLINE]agent: very easy call the FSAIC Federal Student Aid Information Center at 1 - 800 - 433 - 3243.[NEWLINE][BOUNDARY][NEWLINE]user: All right, about getting the financial aid funds for the course materials, can the school help me with the online materials I need for the classes?[NEWLINE]agent: Your school may have negotiated a deal with the publisher that will allow you online access at a fraction of the cost you would pay for a physical book.[NEWLINE]user: when do they usually gives us the financial aid for books?


user: I need to know what I can do to pay for course materials if I don't have any money.[NEWLINE]agent: Of course. Would you like to know when schools that participate in federal student aid programs must provide a way for you to obtain your books and supplies by the seventh day of the term?[NEWLINE]user: Yes, please.[NEWLINE]agent: Are you eligible for disbursement i.e., the payment of your financial aid 10 days before the term begins?[NEWLINE]user: No, I'm not.[NEWLINE]agent: Then I'm afraid that schools which participate in federal student aid programs do NOT need to provide a way for you to obtain your books and supplies.[NEWLINE][BOUNDARY][NEWLINE]user: What if my school provides me financial aid?[NEWLINE]agent: Sometimes money is left over after your aid is applied to your tuition, fees, and other school charges. This remaining amount is called a credit balance.[NEWLINE][BOUNDARY][NEWLINE]user: Are you familiar with COA? How is the cost of attending school measured for me as a full-time student?[NEWLINE]agent: Your cost of attending or COA is the estimate of your tuition and fees; the cost of room and board or living expenses for students who do not contract with the school for room and board; the cost of books, supplies, transportation, loan fees, and miscellaneous expenses including a reasonable amount for the documented cost of a personal computer.[NEWLINE][BOUNDARY][NEWLINE]user: Is it possible to get an interest free loan?


user: I need help on how to pay for my course materials, I haven't received my financial aid yet.[NEWLINE]agent: Of course. Does your school participate in a federal student aid program?[NEWLINE]user: No, unfortunately not.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: What can you tell me about grants and student loans in general?[NEWLINE]agent: Typically, the school first applies your grant or loan money toward your tuition, fees, and if you live on campus room and board. Any money left over is paid to you directly for other education expenses.[NEWLINE][BOUNDARY][NEWLINE]user: Do you know anything about Aid Offers? Can you assist me in comparing aid and determining which is best for me?[NEWLINE]agent: yes, we can help you review schools' financial aid packages[NEWLINE][BOUNDARY][NEWLINE]user: Another thing I should know about Financial Aid Funds, what happens if I have a credit balance?[NEWLINE]agent: In that case your school must pay this amount to you directly within 14 days unless you authorize the school to keep the money to pay for future institutional charges.[NEWLINE][BOUNDARY][NEWLINE]user: Another thing to consider in loan transfers. What happens if my federal student loan is moved from one service to another?[NEWLINE]agent: The transfer just means that a new servicer will provide the support you need to repay your loans; but is still owned by ED.[NEWLINE]user: Unfortunately that doesn't apply to me. My school doesn't participate in federal student aid programs.[NEWLINE][BOUNDARY][NEWLINE]user: Is there anything I can do about the materials that are available for my courses?


user: Can you tell me how I'll receive my financial aid, please?[NEWLINE]agent: How you'll get your aid depends on the type of aid you accepted.[NEWLINE][BOUNDARY][NEWLINE]user: I know, but what can you tell me about grants and student loans?[NEWLINE]agent: Your school will give you your grant or loan money in at least two payments called disbursements. In most cases, your school must give you your grant or loan money at least once per term semester, trimester, or quarter.[NEWLINE][BOUNDARY][NEWLINE]user: What if I accepted a help offer from a school only to have it revoked later?[NEWLINE]agent: This could happen for a variety of reasons, such as if you indicated that you plan to live on campus when you submitted your FAFSA form but then later decided to live off campus.[NEWLINE]user: That doesn't apply to me. Are there any other reasons why this could happen?[NEWLINE]agent: Yes, it can also happen if you are selected for verification.[NEWLINE][BOUNDARY][NEWLINE]user: Ah, then it all makes sense. Say, what if I have any questions or don't understand what's in the aid offer?[NEWLINE]agent: Then you should contact the financial aid office at the school. They re there to help. It's important to understand what you're being offered e.g., which items in the offer are grants and which are loans.[NEWLINE]user: What if the school simply doesn't list the cost of attendance on the aid offer?


user: I need your advice. I haven't received any financial aid yet, but I need to pay for textbooks. How am I supposed to do that without any money?[NEWLINE]agent: Are you part of a school that participates in a federal student aid program?[NEWLINE]user: No, I'm not.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: What happens if my school offers me financial aid?[NEWLINE]agent: Well, sometimes money is left over after your aid is applied to your tuition, fees, and other school charges. This remaining amount is called a credit balance.[NEWLINE][BOUNDARY][NEWLINE]user: Regarding admission counseling, what can admission counseling do for me if I want to request a loan as a student?[NEWLINE]agent: Entrance Counseling fulfills any counseling requirements that arise for Direct Subsidized Loans and Direct Unsubsidized Loans[NEWLINE][BOUNDARY][NEWLINE]user: Another query about  financial aid funds for course materials. When it comes to the materials available at my school, how can I save money?[NEWLINE]agent: You may have several lower-cost options to obtain your books at your school.[NEWLINE][BOUNDARY][NEWLINE]user: I'd like to know if there will be any advice sessions or counseling sessions held here?[NEWLINE]agent: Yes, that's something you'll get before receiving your first loan, a complete counseling.[NEWLINE][BOUNDARY][NEWLINE]user: Good to know. Do you happen to know about Financial Aids? Yes, I'm aware of this.[NEWLINE]agent: Are you eligible for disbursement i.e., the payment of your financial aid 10 days before the term begins?[NEWLINE]user: Yes, I am.[NEWLINE]agent: Will you also have a credit balance i.e., money left over after your financial aid is applied to your tuition, fees, and other school charges as applicable?[NEWLINE]user: Yes, I will.[NEWLINE]agent: In that case schools that participate in federal student aid programs must provide a way for you to obtain your books and supplies by the seventh day of the term.[NEWLINE][BOUNDARY][NEWLINE]user: That's great! What if my course uses a hard-copy textbook though?


user: I am a federal student loan borrower and need a little help understanding about it.[NEWLINE]agent: We have checklists that can help you not feel overwhelmed with the process of student loan repayment.[NEWLINE]user: What does the checklist help me with as I work through it?[NEWLINE]agent: It will help with finding out how to make payments and figure out which repayment would be best for you and it can help with knowing what to do if you are having problems repaying.[NEWLINE][BOUNDARY][NEWLINE]user: May I know how will I protect my self from student loan scam?[NEWLINE][BOUNDARY][NEWLINE]agent: Do you think you've been the victim of a Student Loan Scam?[NEWLINE]user: Yes I might have been. I would like to know what it resembles.[NEWLINE]agent: Borrowers have reported receiving phone calls, emails, letters, and/or texts offering them relief from their federal student loans or warning them that student loan forgiveness programs would end soon.[NEWLINE][BOUNDARY][NEWLINE]user: Oh no! How can I tell if my personal student information has been stolen?[NEWLINE]agent: In that case, it is important to act quickly.  Click here for a list of offices that will help you determine what steps to take depending on your situation.[NEWLINE]user: Can you give me an example?


user: dsffsdf[NEWLINE]agent: sdfgfdcxvbcvbdf[NEWLINE]agent: Have you checked the list of options for repayments?[NEWLINE]user: Yes, I have checked some of that information[NEWLINE]agent: Good, that way you can find how to do the repayments and figure out which repayment plan is better for you.[NEWLINE][BOUNDARY][NEWLINE]user: I see. Another question on making payments. Would I receive a discount on Direct Loans for signing up for the debit withdrawal of my payments?[NEWLINE]agent: Yes, you would receive.25% interest rate deduction on Direct Loans and you should contact your loan servicer for more information.[NEWLINE][BOUNDARY][NEWLINE]user: Another concern about the repayment of student loans. Is the assistance you provide me free?[NEWLINE]agent: Yes, that's right. remember, you never have to pay for help with your student loan.[NEWLINE][BOUNDARY][NEWLINE]user: Is it possible to refinance this loan later should anything come up?[NEWLINE]agent: You can submit a new application for an incom-driven repayment plan to do this.[NEWLINE][BOUNDARY][NEWLINE]user: But how do I know how much I'll be required to pay?[NEWLINE]agent: The amount you repay will depend of how much you can afford to pay each month.[NEWLINE]user: So, this will depend basically on my budget, right?[NEWLINE]agent: That's right, that's the best way to afford to pay toward your student loan.[NEWLINE][BOUNDARY][NEWLINE]user: Great. But what happens if at some point I  can not do the payments?


user: Hello, can you tell me about the federal student loan borrower?[NEWLINE]agent: Please don't be overwhelmed by loans. Look for information on the subject.[NEWLINE]agent: It is important to review the checklist.[NEWLINE]user: What is the checklist?[NEWLINE]agent: It is important to have information regarding payments.[NEWLINE][BOUNDARY][NEWLINE]user: On a somewhat related note, Extended Repayment Plan or through loan consolidation If I don't want to use an income-driven repayment plan, is there any other options?[NEWLINE]agent: You would need to contact your loan servicer and discuss repayments options such as extending our repayment period or temporarily suspend your repayment through deferment or forbearance.[NEWLINE][BOUNDARY][NEWLINE]user: This reminds me of My Federal Student Aid. What is the procedure for making these payments?[NEWLINE]agent: It is noteworthy that you never have to pay for aid.[NEWLINE][BOUNDARY][NEWLINE]user: I'm also hoping to learn who to contact if I have any PSLF-related questions. Is there anything else I should know in case I don't find what I'm looking for?[NEWLINE]agent: You can contact FedLoan Servicing at 1-855-265-4038.[NEWLINE][BOUNDARY][NEWLINE]user: OK thanks. I'd also want to find out If your loans are not repaid in full after 20 or 25 years. How long does it take to fully reimburse the aid?[NEWLINE]agent: It is important to look for information, the balance can be forgiven.[NEWLINE]user: What forms of payments can I take?[NEWLINE]agent: You have to choose a method but not different methods.[NEWLINE][BOUNDARY][NEWLINE]user: Can I find information with the administration of the institution?


user: Hi there. I have a federal student loan but I'm kinda confused about the repayment process, I would like some help with it.[NEWLINE]agent: Sure, don't let the repayment process overwhelm you. We can help you to solve some doubts you may have.[NEWLINE]agent: Have you seen the steps on the check list?[NEWLINE]user: No, I have not. Not yet at least.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE]user: Great. But this is a free of charge process? Or I have to pay some extra for your advises?[NEWLINE]agent: It's free. Remember that you will never have to pay for help with your student loans.[NEWLINE][BOUNDARY][NEWLINE]user: Alright. I heard from some of my friends that my loan can be forgiven if I consolidate it, is that true?[NEWLINE]agent: Yes, if you consolidate your loan you can increase your chances of qualifying for an affordable repayment plan or a loan forgiveness. But you need to see if this is your best option.[NEWLINE][BOUNDARY][NEWLINE]user: And what kind of things helps me in this case?[NEWLINE]agent: Some things that can help you is, if you can afford it, start making some loan payments while you still are in school.[NEWLINE][BOUNDARY][NEWLINE]user: I see, normally the payments are done after I leave the school, right?[NEWLINE][BOUNDARY][NEWLINE]user: Should I contact my loan servicer if I am struggling to make payments?[NEWLINE]agent: Yes, it is a wise decision to contact your loan servicer if you are struggling to make your payments.[NEWLINE][BOUNDARY]


user: Hello, I have many questions regarding the payment of student loans, can you tell me about it?[NEWLINE]agent: I recommend you not to worry about the subject, and look for information on the subject.[NEWLINE]agent: What can you tell me about the checklist please?[NEWLINE]user: Can you tell me about the checklist please?[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: It is important that you are clear about the time you intend to pay and in what way.[NEWLINE]agent: It has to be clear that you cannot take several options, and the interest can be high depending on the loan.[NEWLINE]user: Can you help me to establish a payment plan please?[NEWLINE]agent: It is important that you consider various strategies so that you do not fall behind with payments.[NEWLINE]user: Can you explain to me what is the repayment of your total debt?[NEWLINE]agent: It consists in that your remaining balance will be forgiven, for this reason it is important to look for information related to the topic.[NEWLINE][BOUNDARY][NEWLINE]user: I want to inquire on how much money the students will get from the american opportunity credit?


user: I need help understanding how the student loan repayment process works.[NEWLINE]agent: The student loan repayment process can be overwhelming. I'll be happy to help you understand how to manage and repay your student loans.[NEWLINE]agent: Have you taken a look at the checklist on our site?[NEWLINE]user: No, I haven't seen it.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: Should I create an online account with my loan servicer?[NEWLINE]agent: Yes, and it's very important the make sure that your contact information is correct.[NEWLINE]user: One more thing for Credits for Higher Education Expenses. 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: I am very comfortable with the student loan payment process, could you help me?[NEWLINE]agent: Don't let the student loan repayment process overwhelm you. You can use this checklist to help you manage and pay your federal student loans. that way it would be easier for you[NEWLINE]agent: Do you want to know how to work on this checklist?[NEWLINE]user: Yes i would like to know[NEWLINE]agent: Thanks to the checklist, you will discover how to make payments and determine which payment plan is best for you and will know what to do if you have trouble making payments or think you may be eligible for loan forgiveness.[NEWLINE][BOUNDARY][NEWLINE]user: Just remember to inquire about whether your federal student loans can be forgiven in exchange for your work as a teacher. What do I do if I want to apply for loan repayment as a teacher?[NEWLINE]agent: You need to submit a completed Teacher Loan Forgiveness Application to your loan servicer. You must have completed the required five consecutive years of qualifying teaching[NEWLINE][BOUNDARY][NEWLINE]user: Perhaps a completely unrelated question now, after you've graduated or left school. How nice is it, and should I go for the cheapest monthly payment?[NEWLINE]agent: you can select a payment plan based on income, you can have multiple obions[NEWLINE][BOUNDARY][NEWLINE]user: One more thing for student loans. Is there something you are doing for the covid-19 emergency?[NEWLINE]agent: Yes, they are automatically suspending monthly payments of your student loans.[NEWLINE][BOUNDARY][NEWLINE]user: One more thing for about the COVID-19 emergency. If I don't choose a specific payment plan, what can happen?[NEWLINE]agent: In that case your loan will be included in the Standard Payment Plan. Please note that you can change to a different plan at any time by contacting your loan manager.[NEWLINE]user: Can you explain what happens better if I don't select a specific payment plan?[NEWLINE]agent: there will be no problem since a standard plan is placed and you can change it whenever you want[NEWLINE][BOUNDARY][NEWLINE]user: If I can't make the payments, what should I do?


user: I am confused about the student loan repayment process, can you help me?[NEWLINE]agent: Don't let the student loan repayment process overwhelm you. I recommend that you use a checklist to help you manage and pay your federal student loans.[NEWLINE]agent: do you want to do the checklist?[NEWLINE]user: yes I would like it[NEWLINE]agent: This list will help you make payments and determine which payment plan is best for you. And you'll know what to do if you're having trouble making payments or think you might be eligible for loan forgiveness.[NEWLINE][BOUNDARY][NEWLINE]user: Is it necessary for me to complete Exit Counseling?[NEWLINE]agent: If you have received a subsidized, unsubsidized or PLUS loan under the Direct Loan Program or the FFEL Program, you must complete exit counseling each time you drop below half-time enrollment, graduate, or leave school.[NEWLINE]user: Sure. Now I need to ask about After graduation or leaving school. With this list I can see plans that will have a payback of up to 20 or 25 years?[NEWLINE]agent: yes but if it is not fully refunded within that time the remaining balance will be forgiven.[NEWLINE][BOUNDARY][NEWLINE]user: Thank you. I'd also like to learn more about this repayment plan. And how would this assist me?[NEWLINE]agent: We can offer you a repayment plan that will help you save money over time because your monthly payments may be slightly higher than payments under other plans, this will make you pay it faster.[NEWLINE][BOUNDARY][NEWLINE]user: If the established amount is not paid at the right time or if payments begin to be delayed, is the loan considered in arrears?[NEWLINE]agent: yes and you may be charged late fees[NEWLINE][BOUNDARY][NEWLINE]user: using Loan Simulator. If I want to pay my loans quickly and I want to afford it, what can I do?[NEWLINE]agent: you must select the standard Payment Plan[NEWLINE][BOUNDARY][NEWLINE]user: When I sign up, what benefit does my payment have automatically taken from your bank account every month?


user: Is there a way to estimate my aid I could get?[NEWLINE]agent: Do you want to estimate your federal student aid, but are not ready to actually apply for the aid?[NEWLINE]user: No, that is not the case.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: Can you give me an info about the questions I would need to answer on FAFSA4caster?[NEWLINE]agent: You answer such things as financial and other questions that will help estimate your federal student aid eligibility and most questions are easy.[NEWLINE][BOUNDARY][NEWLINE]user: Assuming there was a strong enough situation could it affect you in such a way that you might be eligible for help?[NEWLINE]agent: Military family members can enter situations that could affect your eligibility for help[NEWLINE][BOUNDARY][NEWLINE]user: Could tell me more about f questions Asked in FAFSA4caster?[NEWLINE]agent: It would be best to answer all the questions on FAFSA4caster, even if it is just an estimate to get the most accurate estimation.[NEWLINE][BOUNDARY][NEWLINE]user: Good to know. Do you happen to know about  FAFSA form? What if I don't provide my information on the FAFSA?[NEWLINE]agent: the application will be considered rejected, and you may not be able to receive any federal student aid. The most you could get depending on what your college financial aid office decides would be a loan called an unsubsidized loan.[NEWLINE][BOUNDARY][NEWLINE]user: Sure. Now I need to inquire about FAFSA. How will the data provided by FAFSA4caster be displayed?[NEWLINE]agent: Did you complete all the relevant questions in the FAFSA4caster?[NEWLINE]user: Yes, I have completed all the questions.


user: What is available for me to estimate my student aid?[NEWLINE]agent: Are you not ready to apply for federal student aid, but want an estimate for future reference?[NEWLINE]user: Yes, I am not ready and just would like an estimate.[NEWLINE]agent: Then you are fortunate enough to get an estimate with FAFSA4caster.[NEWLINE]user: I'm wondering if my state government offers financial aid for students?[NEWLINE]agent: Yes, aid could be available through the state government.[NEWLINE][BOUNDARY][NEWLINE]user: What can you tell me about grants?[NEWLINE]agent: The share link will explain that a grant is a form of financial aid that will never have to be paid back unless you withdraw from school and owe a refund.[NEWLINE][BOUNDARY][NEWLINE]user: What types of loans are there?[NEWLINE]agent: The share link will be able to help you with loans that are considered student loans and will tell you that they have to be paid back.[NEWLINE]agent: Did you know that you have to pay back a student loan along with interest?


user: Hi there. I would like to know about estimate the aid that I could receive.[NEWLINE]agent: Sure no problem. But first, let me ask you, are you ready to apply for the aid?[NEWLINE]user: No, not yet. but I would like to know how would it be, if I apply for it.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE]user: Great. SO, can you tell me about how the questions on the forms are?[NEWLINE]agent: Sure, no problem. The questions you mean are those on fafasa4caster.[NEWLINE]user: Also, I need to find out the parent information on the FAFSA form. How can I tell the difference between a dependent student and an independent student again?[NEWLINE]agent: Read the definitions, find out who has to provide parent information on the FAFSA form, and learn what to do if you aren't in contact with your parents.[NEWLINE][BOUNDARY][NEWLINE]user: I'd also like to find out how to determine the net cost of attending college?[NEWLINE]agent: Yes, once you complete it, the screen displays a worksheet to help you determine the net cost of attending college.[NEWLINE][BOUNDARY][NEWLINE]user: very well. I understand and I am going to see the net amount that the worksheet will give me. I know that this question sounds a bit silly but. What is a loan?[NEWLINE]agent: A loan is money you would borrow to pay for college and you must repay the loan and interest that accrues.[NEWLINE][BOUNDARY][NEWLINE]user: On a very similar note. But what if I use the method to make this estimate?[NEWLINE]agent: Yes, you can try the fafasa4caster.[NEWLINE][BOUNDARY][NEWLINE]user: This is only for high school students or also can be done by anyone?


user: Hi I have heard about FAFSA4caster. Could you please tell me what it is?[NEWLINE]agent: Are you thinking of applying for federal student aid?[NEWLINE]user: Yes I am thinking of starting a college degree and would be some financial help and am thinking of applying for federal help.[NEWLINE]agent: Then you should try the FAFSA4caster. This will help if you would like to estimate your federal student aid.[NEWLINE][BOUNDARY][NEWLINE]user: What additional steps do I need to take in order to collect my loan? What do I do if I'm getting a Direct Loan for the first time?[NEWLINE]agent: do you want to know what to do?[NEWLINE][BOUNDARY][NEWLINE]user: yes and also yes Is there a time limit on how long I can receive loans?[NEWLINE]agent: Are you a first-time borrower as of July 1, 2013?[NEWLINE]user: no in this case no[NEWLINE]agent: Has a limit been applied to you?[NEWLINE]user: yes


user: Hi, can you tell me how to estimate federal aid?[NEWLINE]agent: So far, it is not available to request the debt estimate.[NEWLINE]user: For when would it be available to request the estimate?[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE]user: What is the FAFSA4caster?[NEWLINE]agent: Do you have to understand all the FAFSA4caster options?[NEWLINE]user: I'd like to ask about Understanding Financial Aid.[NEWLINE]agent: As you prepare for college or career school, explore how financial aid works, learn about the types of aid, and find out if you re eligible. You can also estimate what aid you may be eligible for when you check out FAFSA4caster. And where can I find out if I am eligible for the assistance?[NEWLINE][BOUNDARY][NEWLINE]user: I'd also want to ask regarding  FAFSA4caster. What kinds of questions can you expect to see on FAFSA4caster?[NEWLINE]agent: You can find financial and other questions that are used to estimate your eligibility.[NEWLINE][BOUNDARY][NEWLINE]user: I was wondering on how does my school calculate my need-based aid?[NEWLINE]agent: As for non-need based aid, they use various factors to calculate that.[NEWLINE][BOUNDARY][NEWLINE]user: I'm curious about FAFSA4caster as well. Which estimate is the most precise?[NEWLINE]agent: It is vitally important to answer all FAFSA4caster questions.[NEWLINE][BOUNDARY][NEWLINE]user: What does FAFSA4caster consist of?


user: Good day. I'd like to know how I can estimate my aid, please.[NEWLINE]agent: Of course. Would you like to estimate your federal student aid, but you aren't yet ready to apply for aid?[NEWLINE]user: Yes.[NEWLINE]agent: Then you should try FAFSA4caster.[NEWLINE][BOUNDARY][NEWLINE]user: Good to Know. Another thing would have to carry out another procedure or request to obtain the benefit. What about the 2019-20 academic year?[NEWLINE]agent: The online free application for FAFSA forms are required to be submitted by 11:59 pm CT June 30, 2020; and any updates or corrections by 11:59 CT Semptember 12, 2020.[NEWLINE][BOUNDARY][NEWLINE]user: Are there specific deadlines for the college?[NEWLINE]agent: Each college has its own deadline and ask your college the definition of an application deadline they go by.[NEWLINE]agent: Do you know if it is the date your FAFSA form is processed or the date the college receives the processed FAFSA data?[NEWLINE]user: No, I am not sure?[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: What about state deadlines?


user: By telling me how to estimate my student aid you'd help me a lot.[NEWLINE]agent: Of course. Would you like to estimate your federal student aid, but aren't yet ready to apply for aid?[NEWLINE]user: No, I'm ready to apply.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: What should I do after I have completed all the relevant questions in the FAFSA4caster?[NEWLINE]agent: After that the screen displays a worksheet to help you determine the net cost of attending college.[NEWLINE][BOUNDARY][NEWLINE]user: Thank you, So I need to fill out the Free Application for Federal Student Aid (FAFSA) form. Is it hard to fill out the FAFSA?[NEWLINE]agent: It is an easy and straightforward process to fill out the FAFSA and you just need to select the Fill Out the FAFSA button on the home page and just follow the directions on the page.[NEWLINE][BOUNDARY][NEWLINE]user: I was curious on what FAFSA4caster actually meant for? I want to know so I can get an idea of how much and what type of federal aid I may receive.[NEWLINE]agent: Adult students also can use FAFSA4caster to get an idea of how much and what types of federal aid they might receive.[NEWLINE][BOUNDARY][NEWLINE]user: To understand financial aid, can you give me complete details about the specific aspects of Federal Student Aid here?[NEWLINE]agent: With our service here you can explore how financial aid works, learn about the types of aid, and find out if you're eligible or not.[NEWLINE][BOUNDARY][NEWLINE]user: By the way, have you heard of FAFSA4caster? What types of questions must I answer in FAFSA4caster?[NEWLINE]agent: In FAFSA4caster, you answer financial and other questions that are used to estimate your federal student aid eligibility. You may be able to answer most of the questions easily, but some of the questions may ask you to reference your personal records for instance, your federal tax information or your bank statements.[NEWLINE]agent: Do you want to know how to get the most accurate estimate?


user: Hey, I need a hand with estimating my aid online.[NEWLINE]agent: Of course. Would you like to estimate your federal student aid, but aren't yet ready to apply for aid?[NEWLINE]user: Not quite. I'm ready to apply.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: Can I simply fill in the college grants that I hope to receive or do I need an accurate number?[NEWLINE]agent: Yes, you can fill in the amounts of state and college grants, and any scholarships, that you expect or hope to get.[NEWLINE][BOUNDARY][NEWLINE]user: II is currently serving in the US military and will run through June 30, 2021. Do I mark yes or no, for veteran status? I hope to continue serving my country as I have been doing[NEWLINE]agent: In your case, you should mark no.[NEWLINE]user: Can you brief me or give me information on possible questions that I will encounter in FAFSA4caster?[NEWLINE]agent: You answer financial and other questions that are used to estimate your federal student aid eligibility. You may be able to answer most of the questions easily, but some of the questions may ask you to reference your personal records for instance, your federal tax information or your bank statements.[NEWLINE][BOUNDARY][NEWLINE]user: Now I'd like to ask a completely unrelated question. What is the definition of need-based aid? So you won't tell me anything about that need-based aid calculation formula?[NEWLINE]agent: As for non-need based aid, they use various factors to calculate that.[NEWLINE][BOUNDARY][NEWLINE]user: Alright. I'd also like to know more about the estimate federal student aid. Do you have any information regarding FAFSA4caster?[NEWLINE]agent: Yes, we do have information provided by FAFSA4caster.[NEWLINE][BOUNDARY][NEWLINE]user: What happens when I select "calculate"?


user: What kind of counseling is required before I receive my Federal Student Aid?[NEWLINE]agent: Have you heard of entrance counseling?[NEWLINE]user: Yes, but am not sure what it is.[NEWLINE]agent: Entrance counseling is required before you can get your first Direct Subsidized or Unsubsidized Loan as an undergraduate, or your first Direct PLUS Loan as a graduate.[NEWLINE][BOUNDARY][NEWLINE]user: What about TEACH grant counseling?[NEWLINE]agent: You would have to complete TEACH grant initial and subsequent counseling.[NEWLINE][BOUNDARY][NEWLINE]user: What about financial awareness counseling?[NEWLINE]agent: Financial awareness counseling provides tools and information that would help you understand your particular financial aid and help with managing your finances.[NEWLINE][BOUNDARY][NEWLINE]user: I understand how I can get this advice and if it has any additional cost? I can recalculate my monthly payment[NEWLINE]agent: yes, LOG IN TO START[NEWLINE][BOUNDARY][NEWLINE]user:  Preview a read - only version of the complete form


user: Hi there. I would like to have some information related to counseling.[NEWLINE]agent: Do you want to enter into the counseling?[NEWLINE]user: Not, really, but I'm looking information anyway about it.[NEWLINE][BOUNDARY][NEWLINE]agent: I see, well there is always the chance of help others. Are you interested into be in the financial awareness counseling area?[NEWLINE]user: Sounds interesting. But, not really.[NEWLINE][BOUNDARY][NEWLINE]agent: And what about the plus credit counseling?[NEWLINE]user: Thanks, but that doesn't call my attention.[NEWLINE][BOUNDARY][NEWLINE]agent: And as a exit counseling?[NEWLINE]user: mmmmh, that sounds nice. You can give me some more information.[NEWLINE]agent: The exit counselor works with those students who graduate, leave school or get drop out. They help them to provide information about the repayment of the loan.[NEWLINE][BOUNDARY][NEWLINE]user: Oh great. That sounds good. What I need to do?


user: Hello, what types of advice do you give?[NEWLINE]agent: Among several options we have the entrance Counseling.[NEWLINE]user: Can you inform what the entrance counseling consists of?[NEWLINE][BOUNDARY][NEWLINE]agent: It consists mainly of financial awareness counseling.[NEWLINE]user: What does this procedure consist of?[NEWLINE]agent: Sure, it's meant to provide tools and information to help you understand your financial aid.[NEWLINE][BOUNDARY][NEWLINE]user: Also, I need to find out provide tools and information to help you understand. Who should complete the co-signer form?[NEWLINE]agent: If you are the spouse of the applicant, then you should complete the Income-Drive Repayment Plan Request.[NEWLINE][BOUNDARY][NEWLINE]user: Where do I go to click for co-sign code?[NEWLINE]agent: You should click on "Direct Consolidation Loan Applications" under "My Loan Documents" to locate the code.[NEWLINE][BOUNDARY][NEWLINE]user: What do I need to do?


user: Hello, can you tell me what types of financial help can I take?[NEWLINE]agent: Among all the available ones, can you take the entrance counseling?[NEWLINE]user: Can you give me information about the entrance counseling?[NEWLINE][BOUNDARY][NEWLINE]agent: Also, what is financial awareness?[NEWLINE]user: Can you inform me of financial awareness?[NEWLINE]agent: This plan is primarily intended to provide tools and information to help you understand your financial aid.[NEWLINE][BOUNDARY][NEWLINE]user: I have another TEACH Grant Agreement To Serve (ATS) question. What kind of student fills out the TEACH Grant Agreement To Serve (ATS) form?[NEWLINE]agent: Students that complete this form are those who are in receipt of a TEACH Grant and who have also completed TEACH Initial and Subsequent Counseling for the same Award Year[NEWLINE][BOUNDARY][NEWLINE]user: What do I need to apply for a TEACH Grant Agreement To Serve (ATS)?[NEWLINE]agent: Firstly, you will your verified FSA ID[NEWLINE][BOUNDARY][NEWLINE]user: What is the first step in completing the TEACH Grant Initial and Subsequent Counseling form?


user: I wanted to know what counseling types there are. Can you tell me, please?[NEWLINE]agent: Of course. Would you like to hear more about entrance counseling?[NEWLINE]user: No, I already know that one.[NEWLINE][BOUNDARY][NEWLINE]agent: Would you like to hear more about financial awareness counseling?[NEWLINE]user: No, I've read about that one, too.[NEWLINE][BOUNDARY][NEWLINE]agent: Would you like to hear more about PLUS credit counseling?[NEWLINE]user: Yes, go ahead.[NEWLINE]agent: PLUS Credit Counseling is required if the U.S. Department of Education has informed you that you have an adverse credit history and you have obtained an endorser or documented to the satisfaction of the U.S. Department of Education that there are extenuating circumstances related to your adverse credit history. PLUS Credit Counseling can be completed voluntarily at any time.[NEWLINE][BOUNDARY][NEWLINE]user: Can you tell me more about Charged Off account and how do you examine a charged off account?[NEWLINE]agent:  Any account open or closed that has been written off during the two years preceding the date of the credit report with a balance greater than zero.[NEWLINE][BOUNDARY][NEWLINE]user: what proof do we need to have for wage garnishment?


user: I would like to know what types of counseling are there.[NEWLINE]agent: Of course. Do you want to learn more about entrance counseling?[NEWLINE]user: Yes, that'd be nice.[NEWLINE]agent: Entrance Counseling is required before you can receive your first Direct Subsidized Loan, or Direct Unsubsidized Loan as an undergraduate, or your first Direct PLUS Loan as a graduate/professional student.[NEWLINE][BOUNDARY][NEWLINE]user: What if I'm looking for TEACH grant counseling instead?[NEWLINE]agent: Then you can complete TEACH Grant Initial and Subsequent Counseling.[NEWLINE][BOUNDARY][NEWLINE]user: And what about financial awareness counseling?[NEWLINE]agent: Financial Awareness Counseling provides tools and information to help you understand your financial aid and help you manage your finances.[NEWLINE][BOUNDARY][NEWLINE]user: I just remember asking about federal student aid. Are there any extenuating circumstances related to bad credit?[NEWLINE]agent: Yes, there are extenuating circumstances relating to the adverse credit history. Remember: Endorsers aren't eligible for this option.[NEWLINE][BOUNDARY][NEWLINE]user: What if I have reviewed the information above and no longer wish to document extenuating circumstances?


user: Good day. Can you tell me about the different types of counseling, please?[NEWLINE]agent: Of course. Do you want to know more about entrance counseling?[NEWLINE]user: No, I already know that type.[NEWLINE][BOUNDARY][NEWLINE]agent: Do you want to know more about financial awareness counseling?[NEWLINE]user: Yes, please.[NEWLINE]agent: Financial Awareness Counseling provides tools and information to help you understand your financial aid and help you manage your finances.[NEWLINE][BOUNDARY][NEWLINE]user: If my income or family size has changed, can I do a new calculation and reduce my payment?[NEWLINE]agent: you can request that your income-based payment be recalculated to reduce your current monthly payment[NEWLINE][BOUNDARY][NEWLINE]user: Who should complete this?[NEWLINE]agent: Borrowers who are not currently on an IDR plan looking for a lower monthly payment on their federal student loans[NEWLINE][BOUNDARY][NEWLINE]user: Is there a repayment plan?


user: You can help me with counseling for financial aid[NEWLINE]agent: Did you want to learn more about Entrance Counseling?[NEWLINE]user: yes[NEWLINE]agent: Entrance Counseling is required before you can receive your first Direct Subsidized Loan, or Direct Unsubsidized Loan as an undergraduate, or your first Direct PLUS Loan as a graduate/professional student.[NEWLINE]user: can you help me start?[NEWLINE]agent: Yes, we can help you Log In to Start[NEWLINE]user: What happens if I do a short sale?[NEWLINE]agent: In this case, your short sale will need to be approved and completed.[NEWLINE][BOUNDARY][NEWLINE]user: Where can I find more information on this?[NEWLINE]agent: You can find more information about this on our website, including information on Deed in Lieu.[NEWLINE]user: What does a collection account mean?


user: Hello there. I have some doubts related to the types of counseling.[NEWLINE]agent: Sure, no problem. But which kind of counseling? Maybe the entrance counseling?[NEWLINE]user: No, not that one. That's not the one I'm looking for, I think.[NEWLINE][BOUNDARY][NEWLINE]agent: OK. And what about the financial awareness counseling then?[NEWLINE]user: No, That's not the one either.[NEWLINE][BOUNDARY][NEWLINE]agent: Maybe the plus credit counseling perhaps?[NEWLINE]user: Yes, About that one.[NEWLINE]agent: Alright. The plus credit counseling is required if the u.s. department of education has informed you that you have an adverse credit history and have obtained and endorser or documented to the satisfaction of the u.s. department of education that there are extenuating circumstances related to your adverse credit history.[NEWLINE]agent: Also if you are a plus credit counseling you can complete voluntarily at any time, did you knew that?[NEWLINE]user: No, I wasn't aware of  that. But that's great to know.[NEWLINE][BOUNDARY][NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: And there is any other type of counseling?


user: I am in need of lowering or suspending my student loan payments.[NEWLINE]agent: We can help you stay on track to be sucessful at repaying of your federal student loan.[NEWLINE][BOUNDARY][NEWLINE]user: What happens after I apply for an income-driven repayment plan?[NEWLINE]agent: You federal loan servicer would notify you letting you know if you are eligible and if you qualify for a lower payment amount.[NEWLINE][BOUNDARY][NEWLINE]user: Are there solutions for me because I cannot afford my payment amounts?[NEWLINE]agent: Yes, there are solutions for situations when you cannot afford your repayment of your loans.[NEWLINE]user: However, the issues I'm having right now are due to the coronavirus outbreak. I'm still dealing with several other economic issues that are becoming more difficult to manage. Is there a viable alternative?[NEWLINE]agent: Those who have a federal student loan are automatically being placed in an administrative forbearance, which allow them stop making their monthly loan payments.[NEWLINE]user: Oh, that's great to hear. But I can also do smaller payments if I have the chance right?[NEWLINE]agent: That's right. They won't be mandatory, but you are free to do them if you can.[NEWLINE]user: Where else I can go if I have more question about this?


user: Hi, I have come on hard times and am battling to pay my student loan. Is there a way I could lower my payments for a time?[NEWLINE]agent: Yes there is a way  you can make lower payment, we will help you successfully repay your loan.[NEWLINE][BOUNDARY][NEWLINE]user: If I qualify and apply for an Income-Driven Repayment Plan and am successful with my application, what happens after I apply?[NEWLINE]agent: Once you have applied your federal loan servicer will let you know regarding your eligibility and, if you qualify, what you loan payment amount will be.[NEWLINE][BOUNDARY][NEWLINE]user: I'd like to ask you another question about student loans. What are the requirements for a deferment?[NEWLINE]agent: Do you think that you may qualify for a Hardship Deferment?[NEWLINE]user: How do I find out if I qualify for that Hardship Deferment?[NEWLINE]agent: Are you receiving any sort of welfare?[NEWLINE]user: I am not receiving any sort of welfare at all.[NEWLINE]agent: Are you working full-time with earnings that would fall below 150% of the poverty guideline for your family size and state of residence?[NEWLINE]user: I am not working full-time as I am a student.[NEWLINE]agent: Are you serving in the Peace Corps?[NEWLINE]user: I am not.  I am simply a full-time student.


user: Hello, how can I lower or suspend my aid payments?[NEWLINE]agent: We will give you all the advice to carry out your procedures successfully.[NEWLINE][BOUNDARY][NEWLINE]user: Can you give me the advice?[NEWLINE]agent: The person in charge of processing your data is the federal loan administrator.[NEWLINE][BOUNDARY][NEWLINE]user: I have a question regarding Mandatory Forbearance. What kinds of loans qualify for mandatory forbearance?[NEWLINE]agent: eligility would only apply to Direct Loans and FFEL Program loans.[NEWLINE][BOUNDARY][NEWLINE]user: Is there any relief of student loans payment because of COVID-19?[NEWLINE]agent: Yes, federal student loan borrowers are automatically being placed in an administrative forbearance to temporarily stop making loan payments from March 13, 2020 to Sept. 30 2020.[NEWLINE][BOUNDARY][NEWLINE]user: Am I able to get a mandatory forbearance if I am in Medical or Dental Internship or Residency?[NEWLINE]agent: Yes, if you are serving in a medical or dental internship or residency program and meet other requirements.[NEWLINE][BOUNDARY][NEWLINE]user: What is the time frame of a mandatory forbearance?


user: I'm having difficulty keeping up with my student loan payments and need to find a way to lower them.[NEWLINE]agent: I'll do my best to help you stay on the path of sucessful repayment of your student loans.[NEWLINE][BOUNDARY][NEWLINE]user: Thank you. Should I apply for an Income-Driven Repayment Plan?[NEWLINE]agent: An IDR plan can help make your payments more affordable, because they are based on your income.[NEWLINE]agent: Will you be applying for an IDR plan?[NEWLINE]user: I don't know yet. I need more information about IDR plans first.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: Does it matter that I just started repaying my loan 6 months ago?[NEWLINE]agent: There are solutions for everyone, regardless of how long they have been repaying their loans.[NEWLINE][BOUNDARY][NEWLINE]user: One more thing for information on the questions you would have to answer on FAFSA4caster. Could situations affect your eligibility for help?[NEWLINE]agent: All of the billing elements of your student loan are handled by your loan servicer. You are advised to contact them to find out more and get any help you may need[NEWLINE][BOUNDARY][NEWLINE]user: Is there a section on the website dedicated to servicing my Great Lakes or Nelnet Loan?


user: Is it possible to lower or suspend my student loan payments?[NEWLINE]agent: We can help you with that so you can stay successful at repayment of your federal student loans.[NEWLINE][BOUNDARY][NEWLINE]user: What about during the COVID-19 pandemic?[NEWLINE]agent: All federal student loan borrowers are being placed into an administrative forbearance so no loan payments are due until after September 30, 2020.[NEWLINE][BOUNDARY][NEWLINE]user: I'd also want to find out Having Student Loan Forgiven? Can you give me some more information about the types of repayment plans available?[NEWLINE]agent: Actually, besides for paying off your loan, there is also a possibility of having your student loan forgiven as well.[NEWLINE][BOUNDARY][NEWLINE]user: Is there a grace period after graduation?[NEWLINE]agent: After you leave school or drop below half-time enrollment, you have a six-month grace period sometimes nine months for Perkins Loans before you must begin making payments.[NEWLINE][BOUNDARY][NEWLINE]user: Would that be when I would have to begin making payments?[NEWLINE]agent: Once you graduate, drop below half-time enrollment, or leave school, your federal student loan goes into repayment.[NEWLINE]agent: Is your loan a Direct Subsidized, Direct Unsubsidized, or Federal Family Education Loan?[NEWLINE]user: Yes, it is.


user: I want to suspend my student loan payments, due to the current crisis. Can you help me with that?[NEWLINE]agent: Of course. We'll help you stay on the path to successful repayment of your federal student loan.[NEWLINE]user: Even if I just started to repay my loan?[NEWLINE]agent: Yes. Whether you are just beginning to repay your student loan s or have been in repayment for a while, sometimes you might have trouble affording your payment amount. Fortunately, there are solutions.[NEWLINE][BOUNDARY][NEWLINE]user: I see. What if I don't recertify on time?[NEWLINE]agent: In that case you'll be removed from the income-driven repayment plan and your monthly amount due will very likely increase.[NEWLINE][BOUNDARY][NEWLINE]user: Do you also know about this Temporary Relief for loans, would I be able to suspend my monthly payments as I am without work, as a result of COVID-19?[NEWLINE]agent: To provide relief to students during this time federal student loan borrowers are automatically being placed in an administrative forbearance which allows you to temporarily stop making your monthly loan payments. This suspension of payments will be from March 13, 2020 through September 30, 2020.[NEWLINE][BOUNDARY][NEWLINE]user: Is it possible that I could lower my payments on an income-driven repayment plan?[NEWLINE]agent: Yes this is possible and it might be better to consider a income-driven repayment plan than deferring payments altogether. Income-driven plans base your monthly student loan payments on your income and family size.[NEWLINE]user: Are there any tax implications of going for an income-driven repayment plan?


user: Hello, I need to know if I can somehow lower my student loan payments. Times are tough.[NEWLINE]agent: Of course. We'll help you stay on the path to successful repayment of your federal student loan.[NEWLINE][BOUNDARY][NEWLINE]user: That's reassuring. But what if I don't recertify on time?[NEWLINE]agent: In that case you'll be removed from the income-driven repayment plan and your monthly amount due will very likely increase.[NEWLINE][BOUNDARY][NEWLINE]user: I have another question regarding payments to other loan servicers, what is the procedure?[NEWLINE]agent: First, find you loan servicer's contact information.[NEWLINE]user: what happens when I use automatic debit?[NEWLINE]agent: You could get some kind of incentive if you use automatic debit.[NEWLINE]user: Is there a bonus available for automatic debit?


user: I'd like to suspend my student loan payments, but I don't know if or how I can.[NEWLINE]agent: Of course. We'll help you stay on the path to successful repayment of your federal student loan.[NEWLINE][BOUNDARY][NEWLINE]user: Great. Can you tell me more about deferment and forbearance, for starters?[NEWLINE][BOUNDARY][NEWLINE]user: Would I be able to suspend my monthly payments as I am without work as a result of COVID-19?[NEWLINE]agent: To provide relief to students during this time federal student loan borrowers are automatically being placed in an administrative forbearance which allows you to temporarily stop making your monthly loan payments. This suspension of payments will be from March 13, 2020 through September 30, 2020.[NEWLINE][BOUNDARY][NEWLINE]agent: Yes. You can learn more about deferment and forbearance on our website.[NEWLINE][BOUNDARY][NEWLINE]user: Okay. Now, about these administrative forbearance and suspension of payments, what options do I have if I had a decrease in income?[NEWLINE]agent: You can apply to have your current IDR plan recalculated. You don't have to wait until your annual recertification is due.[NEWLINE][BOUNDARY][NEWLINE]user: I see. Is there a way to get temporary relief?[NEWLINE]agent: A deferment or forbearance allows you to temporarily stop making your federal student loan payments or temporarily reduce your monthly payment amount. This may help you avoid default.[NEWLINE][BOUNDARY][NEWLINE]user: Can you also tell me why I should apply for an income-driven plan?[NEWLINE]agent: Yes. An income-driven repayment (IDR) plan can make your payments more affordable because they are based on your income. Under an IDR plan, payments may be as low as $0 per month. You can estimate your monthly payments using Loan Simulator.[NEWLINE]agent: Do you want to know what to do after you apply?


user: You can help me by telling me how to suspend my student loan payments. I can't pay them at the moment.[NEWLINE]agent: Of course. We'll help you stay on the path to successful repayment of your federal student loan.[NEWLINE][BOUNDARY][NEWLINE]user: Can I change my income-driven repayment plan somehow?[NEWLINE]agent: Did you have an increase in family size or a decrease in income?[NEWLINE]user: No, nothing of that has changed. Just my expenses.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: Does your website have any information about forbearance?[NEWLINE][BOUNDARY][NEWLINE]user: I need to know if it owns it if not to look for that information elsewhere. Why will that interest be compounded?[NEWLINE]agent: that's because interest accrues on your principal balance, capitalization will cause more interest to accrue over time than if you had paid the interest. It will also increase your monthly payment on most payment plans[NEWLINE][BOUNDARY][NEWLINE]agent: Yes, you can learn more about deferment and forbearance on our website.[NEWLINE][BOUNDARY][NEWLINE]user: another question for you regarding  IDR plan. What if I recently had a decrease in income?[NEWLINE]agent: In that case you can apply to have your current IDR plan recalculated. You don't have to wait until your annual recertification is due.[NEWLINE][BOUNDARY][NEWLINE]user: Well, that's good to know. Can I get some temporary relief, too?


user: Could you help me understand how to repay my federal student loan without going into default?[NEWLINE]agent: First you should understand your loan agreement, make sure you know all loan info, and make sure to get ahold of your loan servicer when you might have trouble making your payment.[NEWLINE]agent: Have you missed a payment or made a payment late?[NEWLINE]user: Yes, I have missed a payment.[NEWLINE]agent: Then you would be considered delinquent and late fees probably will be added to what is due; but there is a chance that you could avoid default by contacting your loan servicer.[NEWLINE][BOUNDARY][NEWLINE]user: What should I do when I receive the welcome letter from my new administrator?[NEWLINE]agent: You must do the following, do you want to know?[NEWLINE][BOUNDARY][NEWLINE]user: I would like to know something about the successful payment of the federal student loan and avoid falling into default, is there an effective way to follow or track my loans online?[NEWLINE]agent: Yes, you can find out about all your federal student loans from the US Department of Education by signing in to "My Federal Student Aid".[NEWLINE][BOUNDARY][NEWLINE]user: Do you also know about Get Relief. I can do this even by applying for deferral and forbearance.[NEWLINE]agent: Yes, you can, but you need to keep in mind some considerations.[NEWLINE][BOUNDARY][NEWLINE]user: ok, another question, what steps should I take to choose the best loan? know of someone who has defaulted on their student loan? What would be the recommendations for not defaulting on my loan?[NEWLINE]agent: Always try to avoid default first of all and take the time to comprehend your loan agreements and what are the exact loan types you are getting; and never borrow more money than you need or more than you expect to pay back.[NEWLINE]user: What should I do if my federal student loan is delinquent?[NEWLINE]agent: You should look into the Student Loan Debt Collection Assistant, which the US Department of Education developed along with Consumer Financial Protection Bureau because it has tools that will give you access to special repayment options.[NEWLINE][BOUNDARY][NEWLINE]user: What is my promissory note?


user: Hello, can you advise me to pay your student loan?[NEWLINE]agent: It has to be pending in relation to the payment systems, so it is recommended that you contact your pre administrator.[NEWLINE]agent: Since it can bring complications by not making a payment in the stipulated time.[NEWLINE]user: What if I don't make a payment on time?[NEWLINE]agent: As penalties, charges may be generated for late payment charges, among other things.[NEWLINE][BOUNDARY][NEWLINE]user: There is something else about my loan payment, what are the changes, if I get an alternative repayment plan?[NEWLINE]agent: Under this alternative repayment plan, your required monthly payment is not based on your income.[NEWLINE][BOUNDARY][NEWLINE]user: Also, to avoid the default, what can you tell me about the loans and their default?[NEWLINE]agent: It is important to cancel in a stipulated time and request loans that you can pay.[NEWLINE]user: Okay. May I know how does a loan servicer assist me?[NEWLINE]agent: A loan servicer is a company that we assign to handle the billing and other services on your federal student loan on our behalf, at no cost to you.[NEWLINE]user: What can you tell me about Avoiding Default Steps? What is the Loan Debt Collection Assistant's role?[NEWLINE]agent: It is a tool that aims to give information on how to access the full range of special payment options available to you.[NEWLINE][BOUNDARY][NEWLINE]user: I wonder what would happen if I can't make a monthly payment?[NEWLINE]agent: It is important that you seek information from your loan servicer.[NEWLINE]user: Can you tell me about this topic?


user: What if I lost my job and cannot make my monthly student loan payment?[NEWLINE]agent: Are you not able to make your payment at this time?[NEWLINE]user: Yes, I am not able to make my student loan payment.[NEWLINE]agent: You should contact your loan servicer as quick as possible and they could help you with options at this time.[NEWLINE]user: Could I just let the delinquency or default notices alone until I can pay it?[NEWLINE]agent: It is smart to never ignore your delinquency or default notices from your loan servicer.[NEWLINE][BOUNDARY][NEWLINE]user: What about my promissory note?[NEWLINE]agent: You should always read your promissory note because it is a legal document and once signed it means you are legally responsible to repay your loan according to the terms.[NEWLINE][BOUNDARY][NEWLINE]user: I see. Let me ask another question. How much is the extension if I cannot pay with that 15% of my salary?. Ok, but do you have any advice on how to avoid the garnishment of 15% of my disposable salary?[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: Hello, can you advise me on the mechanisms to pay your federal student loan without falling into default?[NEWLINE]agent: There are several mechanisms, such as extending your loan contract. In addition to contacting your administrator.[NEWLINE]user: What if you don't make a payment on time?[NEWLINE]agent: Primarily, you may be charged late fees.[NEWLINE][BOUNDARY][NEWLINE]user: Is it worth highlighting the importance of avoiding payment default?[NEWLINE]agent: It is important to note that it is important that you do not borrow more than you need or more than you expect to be able to pay.[NEWLINE][BOUNDARY][NEWLINE]user: Well I'm having some financial problems but nothing that can't be resolved. What if I want to consolidate a more defaulted loan that I got for my child's education?[NEWLINE]agent: The only income-driven plan you can choose is the Income-Contingent Repayment Plan (ICR).[NEWLINE]user: Ah, I see. So what do I need to do to reconsolidate a defaulted direct consolidation loan then?[NEWLINE]agent: You must also include at least one other eligible loan in the consolidation in addition to meeting one of two requirements.[NEWLINE][BOUNDARY][NEWLINE]user: Makes sense, but how can I rehabilitate a defaulted Federal Perkins Loan?


user: I would like to know what happens if I cannot make my monthly payment?[NEWLINE]agent: Do you have any kind of problem making your monthly payments?[NEWLINE]user: it is not my case I just need to inform about it[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: What are the steps to pay my federal student loan?[NEWLINE]agent: Before going through the steps you should make sure to contact your loan servicer if you are having trouble making payments can help you avoid default.[NEWLINE]user: ok but if i don't make a payment on time what can i expect?[NEWLINE]agent: Please note that if your loan is delinquent and late fees may apply. Even if you are behind on your loan, you can still avoid default, so it is important that you contact your loan servicer immediately.[NEWLINE][BOUNDARY][NEWLINE]user: Can my loan servicer help me if I can't pay? What could be an option?[NEWLINE][BOUNDARY][NEWLINE]user: I'd like to know if I apply for an Income-driven repayment plan, is this also connected to the amount of taxes I'll be required to pay on my loan forgiveness?[NEWLINE]agent: Yes, you will need to pay taxed based on the amount forgiven.[NEWLINE][BOUNDARY][NEWLINE]agent: if you can help for example to obtain a deferment or leniency on your debt[NEWLINE]user: What will happen if I disregard the large number of default notices from my loan servicer?


user: I'm having trouble making the payments on a loan[NEWLINE]agent: So you are having trouble making your monthly payments?[NEWLINE]user: yes[NEWLINE]agent: You can contact your loan servicer and they can help you understand your options[NEWLINE][BOUNDARY][NEWLINE]user: any advice I could have used before getting the loan?[NEWLINE]agent: You should fully understand your loan agreement and the type of loan you are receiving[NEWLINE][BOUNDARY][NEWLINE]user: What happens if I want to pay off the defaulted loan in three installments before you consolidate it?[NEWLINE]agent: choose to make three payments on the defaulted loan before you consolidate it.[NEWLINE][BOUNDARY][NEWLINE]user: What is the rehabilitation of the loan?[NEWLINE]agent: There are different programs for this. William D. Ford Federal Direct Loan (Direct Loan) Program and Federal Family Education Loan (FFEL) Program[NEWLINE][BOUNDARY][NEWLINE]user: How much can I pay to consolidate my loan?


user: What steps can I take to successfully repay my federal student loan and avoid default?[NEWLINE]agent: It is important to stay on top of your loan information, and making sure to contact your loan servicer if you are having trouble making payments can help you avoid default.[NEWLINE]agent: Do you want to know what happens if you don't make a payment on time or if you don't?[NEWLINE]user: yes[NEWLINE]agent: ok note that if this happens your loan is delinquent and late fees may be charged. Even if you are behind on your loan, you can still avoid default, so it is important that you contact your loan manager immediately.[NEWLINE][BOUNDARY][NEWLINE]user: Loan Consolidation is also something I'd like to learn about. What if I need to refinance a defaulted plus loan for my son's education?[NEWLINE]agent: The only income-driven plan you can choose is the Income-Contingent Repayment Plan (ICR).[NEWLINE][BOUNDARY][NEWLINE]user: I also want to ask about the loan agreement, what can I do to avoid non-compliance?[NEWLINE]agent: Take the time to fully understand your loan agreement and the types of loans you are receiving. It is also important that you do not borrow more than you need or more than you expect to be able to pay[NEWLINE][BOUNDARY][NEWLINE]user: Now I have a completely unrelated concern about the annual deadline. Are there any consequences if I don't re-certify my annual income and family size by the deadline?[NEWLINE]agent: In this instance, any unpaid interest will be capitalized added to the principal balance of your loans. This will increase the total cost of your loans over time, because you will then pay interest on the increased loan principal balance[NEWLINE][BOUNDARY][NEWLINE]user: I was looking on the internet. how can I track my loans online?[NEWLINE]agent: Find information on all your federal student loans from the US Department of Education by logging in to "My Federal Student Aid".[NEWLINE][BOUNDARY][NEWLINE]user: What is a point for which loans, scholarships or study and work funds must be repaid?[NEWLINE]agent: Please note that it is a legal document. Signing a promissory note means that you agree to repay the loan in accordance with the terms of the promissory note.[NEWLINE][BOUNDARY][NEWLINE]user: what advice can you give me to avoid non-compliance


user: I would like to know what happens if I cannot make my monthly payment?[NEWLINE]agent: Do you have trouble making your monthly payments?[NEWLINE]user: yes[NEWLINE]agent: You should contact your loan manager immediately. Your loan manager can help you understand your options.[NEWLINE][BOUNDARY][NEWLINE]user: One more thing to be more clear. Can a father consolidate a more defaulted loan for the education of his children?[NEWLINE]agent: The only income-driven plan they can choose is the Income-Contingent Repayment Plan[NEWLINE]user: can we do the loan consolidation with only one loan?[NEWLINE]agent: Yes, loan consolidation allows you to pay off a federal student loan with a new consolidation loan[NEWLINE]agent: Have you decided to make three payments on a defaulted loan before you consolidate it?[NEWLINE]user: no, I'm not there yet[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE]user: what comes next after I choose something like an income-driven plan for repayment?


user: How would I go about applying for a Total and Permanent Disability Discharge (TPD)?[NEWLINE]agent: You would need to complete a TPD discharge application and send it in along with any required documents to Nelnet, the TPD discharge servicer.[NEWLINE]user: How can I learn more about applying for this TPD discharge and obtain an application?[NEWLINE]agent: You should take the time to visit our TPD Discharge website at disabilitydischarge.com and select "Application Process".[NEWLINE][BOUNDARY][NEWLINE]user: Also, I need to really find out how TPD works. Is there a minimum or maximum amount to be repaid if I am approved for a loan forgiveness?[NEWLINE]agent: Upon approval of a loan discharge, whatever balance is outstanding along with whatever repayments you made to the loan are refunded[NEWLINE][BOUNDARY][NEWLINE]user: Is it possible that a parent PLUS loan could be discharged?[NEWLINE]agent: Have you evidence that the school falsely certified the student's ability to benefit from its training?[NEWLINE]user: No, I have no evidence as yet[NEWLINE]agent: Do you know if the student in question had a disqualifying status at the time that the school in question certified the eligibility to receive a parent PLUS loan?[NEWLINE]user: I don't know the answer to this but will be making enquiries to find out[NEWLINE]agent: Is there any evidence available that the school signed your name on the promissory note or other loan documents without having your authorization?[NEWLINE]user: No evidence to my knowledge, but again, I will be looking in to this


user: Hi, if I have a disability can I qualify for a federal loan discharge?[NEWLINE]agent: Sure, in the event of a TPD discharge for total and permanent disability it frees you from having to pay a loan from the Federal Direct Loan Direct Loan Program.[NEWLINE]agent: But qualifying for a TPD download is primary.[NEWLINE]user: Can you inform me of the requirements to qualify for a TPD download please?[NEWLINE]agent: Above all, it is important to complete and send a TPD download request, in addition to justifying the disability.[NEWLINE]user: Can you explain more what was mentioned above?[NEWLINE]agent: This plan frees you from having to pay a loan from the William D. Ford Federal Direct Loan Direct Loan Program, a loan from the FFEL Federal Loan Program.[NEWLINE][BOUNDARY][NEWLINE]agent: Pero es importante que primero califiques para la descarga de TPD.[NEWLINE]user: Please can you tell me how I qualify for that plan?[NEWLINE][BOUNDARY][NEWLINE]agent: First of all you have to make a TPD download request.[NEWLINE]user: How do I carry out such a process?[NEWLINE][BOUNDARY][NEWLINE]agent: In addition, a representative can submit a request on my behalf to facilitate the process.[NEWLINE]user: I wonder if any family member can complete the whole process?[NEWLINE][BOUNDARY][NEWLINE]agent: Sure, you can do the whole process.[NEWLINE]user: Can you tell me what steps are followed after submitting a registration application for TPD?[NEWLINE]agent: Of course, after receiving the request you will be given the respective instructions.


user: Do I qualify for a discharge of my federal student loan?[NEWLINE]agent: You can qualify if you are totally or permanently disabled.[NEWLINE]agent: Are you totally and permanently disabled?[NEWLINE]user: Yes I am.[NEWLINE]agent: To qualify you must complete and submit a TPD discharge application, along with various documentation.[NEWLINE][BOUNDARY][NEWLINE]user: What if I submit VA documentation?[NEWLINE]agent: We will notify you that your obligation has been discharged based on VA documentation.[NEWLINE][BOUNDARY][NEWLINE]user: Through the document, who does the term "we", "our", and "us" refer to?[NEWLINE]agent: The US Department of Education.[NEWLINE]user: What other documents will I need?[NEWLINE]agent: You will need documents that show that you meet our requirements for being considered totally and permanently disabled.[NEWLINE][BOUNDARY][NEWLINE]user: Can I qualify for a TPD discharge by having a doctor certify that I am disabled on an application?[NEWLINE]agent: Is your disability expected to result in death?[NEWLINE]user: Sadly, yes.[NEWLINE]agent: I am terribly sorry to hear that. You can have your doctor certify on the TPD discharge application that you are unable to engage in any substantial gainful activity due to a physical or mental impairment.[NEWLINE][BOUNDARY][NEWLINE]user: Does a TPD discharge mean that I won't have to repay my loan back?


user: what comes next after I'm given a permanent disability discharge on a loan?[NEWLINE]agent: That will depend on the type of documentation you submitted to show us that you qualified for a TPD discharge[NEWLINE][BOUNDARY][NEWLINE]user: well what if I submitted VA documentation?[NEWLINE]agent: Has it been determined that you are totally and permanently disabled based on documentation from the VA?[NEWLINE]user: no I want to gather info so I'm prepared[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE]user: so how would I qualify by submitting VA documentation?[NEWLINE]agent: You can qualify for a TPD discharge by providing documentation from the VA that shows you have received a VA disability determination because you 1 have a service-connected disability that is 100 percent disabling; or 2 are totally disabled based on an individual unemployability rating.[NEWLINE]user: for vets right?[NEWLINE]agent: Correct, If you are a veteran[NEWLINE][BOUNDARY][NEWLINE]user: what is going on after we do the permanent disability discharge application?


user: Hello, can you tell me what would happen if I was approved to register for TPD?[NEWLINE]agent: It is related to the TPD download but you should check if it qualifies for such a process.[NEWLINE][BOUNDARY][NEWLINE]user: What is the documentation to present?[NEWLINE]agent: It consists of verifying that you are totally and permanently disabled to qualify.[NEWLINE]user: Can you explain more about the VA documentation?[NEWLINE]agent: It is important that you look for information regarding Nelnet.[NEWLINE]user: Does the loan forgiveness program qualify to apply by contractors?[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: What would happen if my obligation to repay my loans or satisfy my TEACH grant obligation is reinstated?[NEWLINE]agent: You would again be responsible to repay your loans with the terms of your promissory note that you signed.[NEWLINE]agent: Did you apply for a discharge of loans?[NEWLINE]user: Yes, I applied for a discharge.[NEWLINE]agent: Your status of your loans would go back to the status they were before you applied for the discharge.[NEWLINE][BOUNDARY][NEWLINE]user: What if I am a veteran that proved I am totally and permanently disabled?[NEWLINE]agent: You would be considered to have received the discharge for a federal tax purposes on the date the discharge was approved.[NEWLINE][BOUNDARY][NEWLINE]user: Do I need to resume repayment on my previously discharged loans?[NEWLINE]agent: Yes, you must resume repayment of your previously discharged loans or acknowledge that you are once again responsible to meet the terms and conditions of your TEACH grant service obligation.[NEWLINE]user: I received a TPD discharge but would like to go back to school, could I get more student loans or TEACH Grants?[NEWLINE]agent: Actually you would be able to but some conditions would need to be met.[NEWLINE]user: What if I received a TPD discharge based on VA documentation?


user: Hello, can you clarify for me what is the discharge of your federal loans?[NEWLINE]agent: It mainly consists of a TPD discharge for total and permanent disability frees you from having to pay a loan, but you must qualify for such a plan.[NEWLINE]agent: It is vitally important to qualify for a TPD download.[NEWLINE]user: Please can you tell me what requirements are required to qualify?[NEWLINE]agent: Sure, it's important to complete and submit a TPD download request. also provide a series of documents that show that.[NEWLINE][BOUNDARY][NEWLINE]user: Can you advise me how I qualify for a TPD download?[NEWLINE]agent: To this end, you must meet various requirements to achieve this end.[NEWLINE]user: What documentation should you submit?[NEWLINE]agent: It is important that you find the information in the Department of Veterans Affairs.[NEWLINE]user: Can you expand that information more?[NEWLINE]agent: In addition, it is vitally important that you visit the SSA Social Security Administration.[NEWLINE]user: What is the purpose of SSA Social Security?[NEWLINE]agent: Of note, you can qualify for the plan by providing documentation from one of three sources.[NEWLINE][BOUNDARY][NEWLINE]user: Perfect, what else should I know?


user: Hello, can you tell me if you have total disability can you qualify for a discharge of your federal loans?[NEWLINE]agent: Of course, it is important that you download the TPD for total and permanent disability.[NEWLINE]user: What requirements are needed to qualify for a TPD download?[NEWLINE]agent: It is noteworthy that you must complete and submit a TPD download request. In addition to sending some documents related to the topic.[NEWLINE]user: Another point to consider is whether you are eligible for a discharge of your federal student loan. Is it possible to use them to pay off student loans as well?[NEWLINE]agent: Can they also be used to pay off student loans?[NEWLINE][BOUNDARY][NEWLINE]user: How can I be eligible for a 100 percent loan download please?[NEWLINE]agent: How can I be eligible for a 100 percent loan download please?[NEWLINE]user: Why do you need to know that information?[NEWLINE]agent: You can be exempt from your loan if you were unable to complete your program because your school closed.[NEWLINE]user: What should happen to not be eligible to register your loans?


user: Could you please give me some information about finding out how to get a discharge of my federal student loans if I have recently become disabled?[NEWLINE]agent: A total and permanent disability discharge relieves you from having to repay a William D. Ford Federal District Loan Direct Loan Program loan, a Federal Family Education Loan FFEL Program loan, and/or a Federal Perkins Loan or to complete a TEACH Grant service obligation.[NEWLINE]agent: Are you attempting to qualify for the total and permanent disability discharge?[NEWLINE]user: I am not at this time.  I am just needing to seek information about the possibility.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE]user: Does this type of discharge actually also apply for TEACH Grant service obligations?[NEWLINE]agent: It does indeed.[NEWLINE][BOUNDARY][NEWLINE]user: I received several loans and was unable to complete any of it, or transfer credits before the school closed, is it possible for these loans to be discharged?[NEWLINE]agent: The only loans eligible for discharge are the ones for the program you didn't get to complete because of the school closure; not the ones you decided not to complete on your own and moved to another program.[NEWLINE]agent: Did you start a program and decide not to continue and move on to another field of study?[NEWLINE]user: No, that is not what happened.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: Are there certain criteria I need to meet to be eligible for a discharge of my federal student loan?


user: What would happen if my TPD discharge request would be denied?[NEWLINE]agent: If it is determined that you don't qualify for a TPD discharge, Nelnet will notify you of the reason for the denial of your application.[NEWLINE]user: I have not been denied, but would like to know what would happen if I could not qualify for a TPD discharge.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: If my loan would be discharged due to TPD, would I have to pay taxes on the discharged loan amount?[NEWLINE]agent: If you have showed that you are totally and permanently disabled based on documentation from the SSA or a doctor's certification meaning that you are subject to a three-year postdischarge monitoring period, you are considered to have received the discharge for federal tax purposes a the end of the postdischarge period and that is the federal tax period that you would have to use.[NEWLINE][BOUNDARY][NEWLINE]user: How should I let Nelnet know that I want to apply and request a TPD discharge?[NEWLINE]agent: You do that by phone or by e-mail.[NEWLINE][BOUNDARY][NEWLINE]user: What does Nelnet notify me of after I am declared disabled?[NEWLINE]agent: Nelnet will notify you that you will be subject to a three-year posdischarge monitoring period that begins on the date the discharge is approved, and that your obligation to repay your loans or complete your TEACH Grant service obligation will be reinstated if you don't meet certain requirements at any time during this monitoring period.[NEWLINE][BOUNDARY][NEWLINE]user: What does qualifying for a discharge relieve me of?


user: What would happen if my TPD discharge request would be denied?[NEWLINE]agent: Has your request been denied?[NEWLINE]user: It has.[NEWLINE]agent: Then you already know that Nelnet has notified you of the reason for the denial of your discharge application and has explained that you may ask for reevaluation of your discharge application if you provide new information that supports your eligibility for discharge within 12 months of the date you were notified that your discharge application had been denied.[NEWLINE][BOUNDARY][NEWLINE]user: Sure. But if my application has been denied, can I choose to be approved again?. Is it easy to apply for a loan discharge approval?[NEWLINE]agent: Do you have a Direct Loan or FFEL Program loan and wish to apply for a loan discharge due to false certification?[NEWLINE]user: Yes, that is exactly what I am looking to do[NEWLINE]agent: When applying for a discharge, you will need to complete the loan discharge application that is relevant to your own personal circumstance[NEWLINE][BOUNDARY][NEWLINE]user: If I get approval for a loan discharge, how much of my loan will be discharged?[NEWLINE]agent: Have you met the eligibility requirements for a discharge on your loan?


user: What about making payments?[NEWLINE]agent: The US Department of Education has several loan servicers that handle billing and other services on loans for William D. Ford Federal Direct Loans and for loans through FFEL and loans the ED later purchased.[NEWLINE]agent: Do you have automatic monthly debit of your loan payments?[NEWLINE]user: No, I have not set up automatic monthly debit payments from my checking or savings account.[NEWLINE]agent: Do you need to make a payment by postal mail?[NEWLINE]user: No, I do not mail my payment in.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE]user: Would I receive a discount for signing up for debit withdrawal of my payments?[NEWLINE]agent: Yes, you would receive.25% interest rate deduction on Direct Loans and you should contact your loan servicer for more information.[NEWLINE][BOUNDARY][NEWLINE]user: I have a concern about my student loan service. What if I have FFEL Program loans that is not owned by ED and I need to contact them?[NEWLINE]agent: Do you need to contact your FFEL Program loans not owned by ED servicer?[NEWLINE]user: Yes, I do need to contact them about details.


user: Hi there. I would like to get some information related to the repayment of loans.[NEWLINE]agent: Sure, we can help you to make a plan to successfully repay your loan.[NEWLINE][BOUNDARY][NEWLINE]user: Great. And when do I have to start paying this loan?[NEWLINE]agent: You start paying once you graduate., drop below half-time enrollment or if you leave school.[NEWLINE]agent: Is your student loan a direct subsidized or unsubsidized one or a federal family education loan?[NEWLINE]user: Not really... Well, I am not sure.[NEWLINE]agent: Is your loan a plus one?[NEWLINE]user: Yes, the one I got is that one.[NEWLINE]agent: Great. If that's the case you'll start to repay your loan just before it's payout.[NEWLINE][BOUNDARY][NEWLINE]user: I have a question in relation to my loan, is there any other option that I could have in regards to repayments, other than deferment or forbearance?[NEWLINE]agent: It could be worth looking at another plan such as an income-driven repayment plan before you choose forebearance or deferment.[NEWLINE][BOUNDARY][NEWLINE]user: Something more about the types of loans eligible for deferment, what if I am no longer eligible for the requirements for this loan?


user: Hello, I need information related to student payments please?[NEWLINE]agent: It is vitally important that you develop a plan that allows you to pay off your loan on time.[NEWLINE][BOUNDARY][NEWLINE]user: Can you tell me what the grace period consists of?[NEWLINE]agent: Of course, it is a plan that applies to most types of federal loans.[NEWLINE]user: Can you give me more information on that topic?[NEWLINE]agent: This plan applies after graduation.[NEWLINE]user: What does that plan consist of?[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: What electronic media does the information reach?[NEWLINE]agent: Keep an eye on his email, usually the information arrives by this means.[NEWLINE][BOUNDARY][NEWLINE]user: Concerning Temporary Relief? What happens during the period of deferment or forbearance?[NEWLINE]agent: Interest will accrue during your period of deferment or forbearance except in cases like one offered as a result of COVID-19 national emergency.[NEWLINE][BOUNDARY][NEWLINE]user: Are my federal student loans able to be transferred from my current administrator to another administrator?


user: who are we really dealing with when we get a direct loan?[NEWLINE]agent: The U.S. Department of Education uses several loan servicers to handle the billing and other services on loans for the William D. Ford Federal Direct Loan Program[NEWLINE]agent: Did you have any questions on automatic debits?[NEWLINE]user: nope I will pay another way[NEWLINE]agent: Would you like to know how to make a payment by postal mail?[NEWLINE]user: no I want to know more about loans[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE]user: what other loans do other places handle for you?[NEWLINE]agent: The U.S. Department of Education also uses several loan servicers to handle the billing and other services on loans for that were made under the Federal Family Education Loan Program and that ED later purchased.[NEWLINE]agent: Would you like information on repayment plan options?[NEWLINE]user: no you answered what I needed thank you[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: Can you give me more info about the General Forbearance? What is the significance of calling a general forbearance by a different name?[NEWLINE]agent: It is called a discretionary forbearance because the loan servicer can decide to grant the request.[NEWLINE][BOUNDARY][NEWLINE]user: Okay. Now in terms of loan eligibility and deferment, what loans are liable for non-payment during the post-deferment grace period?


user: What is something I should do before student loan repayment begins?[NEWLINE]agent: You should have a plan that would keep you on track to pay back your loan on time and in full before repayment begins.[NEWLINE][BOUNDARY][NEWLINE]user: Should I contact my loan servicer if I am struggling to make payments?[NEWLINE]agent: Yes, it is a wise decision to contact your loan servicer if you are struggling to make your payments.[NEWLINE][BOUNDARY][NEWLINE]user: What is the grace period for federal student loans?[NEWLINE]agent: For federal student loans the grace period is after you graduate, leave school, or drop below half-time, you would have a six month grace period and sometimes 9 months for Perkins Loans.[NEWLINE][BOUNDARY][NEWLINE]user: Is it possible to make a payment to another loan servicer if I don't want to use Great Lakes or Nelnet?[NEWLINE]agent: Yes you can. You can also get a 0.25% interest rate deduction when you  participate in automatic debit.[NEWLINE][BOUNDARY][NEWLINE]user: Where can I find out more about payments to Great Lakes or Nelnet?[NEWLINE]agent: If you have an account with Great Lakes or Nelnet visit your account dashboard for more information.[NEWLINE][BOUNDARY][NEWLINE]user: Is there a way that I can make sure that I never miss a payment of my loan?


user: Hi, I need to make regular payments on my student loan. What sort of options are available to make this easier for me?[NEWLINE]agent: You can set up a Standard Repayment Plan with  your loan servicer. If this does not work for you you can tell your loan servicer that you would like a different repayment plan. It is best to contact your loan servicer about repayment of  your loan.[NEWLINE]agent: Would you like to schedule an automatic monthly electronic debit for the repayment of your loan?[NEWLINE]user: No I don't think I would like that.[NEWLINE]agent: Would you prefer to made a payment on your loan by sending a check by mail?[NEWLINE]user: Yes I would like to pay by check.[NEWLINE]agent: That can be done. You will have to contact your loan servicer and ask for their mailing address and you can then mail them a check.[NEWLINE][BOUNDARY][NEWLINE]user: I'd like to inquire about what would happen to my loan if I stop making payments while my deferment application is pending?[NEWLINE]agent: You loan will be considered delinquent and you might go into default.[NEWLINE][BOUNDARY][NEWLINE]user: On a somewhat related note, with my current loans. What are my options to make my loan payment?[NEWLINE]agent: You can contact your loan servicer who will advise you as to how to make payments on your loan.[NEWLINE][BOUNDARY][NEWLINE]user: Okay, thanks for the heads up, I'll remember that. Another thing I'd like to learn more about is loan transfers, could you assist me?


user: Could you possibly give me some tips and pointers on developing a plan that would put me on track for student loan repayment in full and on time?[NEWLINE]agent: Before your repayment begins, develop a plan that puts you on track.[NEWLINE][BOUNDARY][NEWLINE]user: Is there any way to get an interest rate deduction on a Direct Loan?[NEWLINE]agent: If you schedule an automatic monthly electronic debit of your loan payment from your bank account, you may receive a 0.25% interest rate deduction on your Direct Loan.[NEWLINE][BOUNDARY][NEWLINE]user: Who Should I Contact About Loan Information?[NEWLINE]agent: If you re no longer in school, contact your loan servicer when you change your name, address, or phone number ; need help making your loan payment.[NEWLINE][BOUNDARY][NEWLINE]user: Is there a way to identify my servicer, too?[NEWLINE]agent: Yes. We have a list of loan servicers for loans that the U.S Department of Education ED owns.[NEWLINE]agent: Do you want to find out who your loan servicer is?[NEWLINE]user: Yes, exactly.[NEWLINE]agent: In that case you can call the Federal Student Aid Information Center FSAIC at 1 - 800 - 433 - 3243.[NEWLINE][BOUNDARY][NEWLINE]user: What if I have loans from the HEAL program, in default?


user: how student loan payments are handled[NEWLINE]agent: Well the US Department of Education uses multiple loan managers to handle billing and other loan services for the William D. Ford Federal Direct Loan Direct Loan Program and for loans made under the FFEL Program of Federal Family Education Loans and that ED later purchased[NEWLINE]agent: do you want to make a payment?[NEWLINE]user: If I want to know more about this topic and make payments[NEWLINE]agent: You will receive a 0.25% interest rate deduction on direct loans. Contact your loan servicer for more information.[NEWLINE][BOUNDARY][NEWLINE]user: By the way, who can I contact to give me information on whether these loans are for this year or the next?[NEWLINE]agent: Your school's financial aid office must have that information[NEWLINE][BOUNDARY][NEWLINE]user: What if I've fallen behind on one or more loan payments? What should I try to stay away from?[NEWLINE]agent: One thing you definitely want to avoid is going default! This occurs when you are at least nine months behind on your student loan. The consequences of default include damage to your credit rating and future indebtedness.[NEWLINE][BOUNDARY][NEWLINE]user: I have another question regarding the Military Service and Post-Active Duty Student Deferment. What will happen if I am in the military and want a deferment?[NEWLINE]agent: You will have to complete the Military Service and Post-Active Duty Student Deferment Request.[NEWLINE][BOUNDARY][NEWLINE]user: something else I want to ask about FAFSA. What is causing the totals reported last year to be different?[NEWLINE]agent: contact your loan servicer to find out your options.[NEWLINE][BOUNDARY][NEWLINE]user: How can I make a payment by post?[NEWLINE]agent: you must contact your loan servicer for the mailing address[NEWLINE][BOUNDARY][NEWLINE]user: Can you forgive the student loan?