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][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]user: How can I save money when it comes to materials available at my school?[NEWLINE]agent: You may have several lower-cost options to obtain your books at your school.[NEWLINE][BOUNDARY][NEWLINE]user: 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: What should I do when I create my account?[NEWLINE]agent: You should make sure all your contact information is correct.[NEWLINE][BOUNDARY][NEWLINE]user: What if I want to consolidate my loans?[NEWLINE]agent: If you consolidate your loans could take longer than 10 years to pay off.[NEWLINE][BOUNDARY][NEWLINE]user: Is it good to review my federal loan history before I graduate or leave school?[NEWLINE]agent: Yes, you should always review your federal student loan history and you can do this by logging in to "My Federal Student Aid" and you need to creat an FSA ID you have don't have one.[NEWLINE]agent: Did you know what to look for when reviewing your information?


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]user: This help that you give me is free?[NEWLINE]agent: Yes, that's right. remember, you never have to pay for help with your student loan.[NEWLINE][BOUNDARY][NEWLINE]user: But how do I know how much I'll have 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]user: What is involved in making these payments?[NEWLINE]agent: It is noteworthy that you never have to pay for aid.[NEWLINE][BOUNDARY][NEWLINE]user: 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]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?


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][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]user: What is the process to cancel the loan in full?


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][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][BOUNDARY][NEWLINE]user: How can I figure out what the best repayment plan option is for me?[NEWLINE]agent: The checklist will guide you through this. It will also provide you with information about making payments.[NEWLINE][BOUNDARY][NEWLINE]user: Who handles the billing and services for my federal student loans?[NEWLINE]agent: Your loan servicer is responsible for this. In most cases, you will have one loan servicer for al of your federal student loans, but it is possible that you could have more than one.[NEWLINE][BOUNDARY][NEWLINE]user: When do you begin paying on most loans?


user: I 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: How good and if I should have the lowest monthly payment?[NEWLINE]agent: you can select a payment plan based on income, you can have multiple obions[NEWLINE]user: If I don't select 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: With this list can I see plans that will have a refund 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: If you fail to pay the full amount due on time or if you start to miss payments, including one, will your loan be considered delinquent?[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][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]user: What would be the best way to get the most accurate estimation?[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: How would the information provided by FAFSA4caster to 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: Is the FAFSA4caster free?[NEWLINE]agent: Yes, the FAFSA4caster is free and gives you an estimate of your eligibility for federal student aid and once you are ready to apply fill out your FAFSA form.[NEWLINE][BOUNDARY][NEWLINE]user: Am I allowed to compare schools?[NEWLINE]agent: You are certainly able to compare schools by changing the cost of attendance, deleting state aid if you will be an out-of-state student, or modifying the amount of aid available from the school, among others.[NEWLINE][BOUNDARY][NEWLINE]user: Will FAFSA4caster help me understand my options?[NEWLINE]agent: Yes, it is a helpful tool for each person who is not yet ready to fill out a FAFSA form and really is intended for juniors or even younger so parents can start saving up for funding.[NEWLINE][BOUNDARY][NEWLINE]user: Is info provided by FAFSA4caster able to help apply for aid?


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]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][BOUNDARY][NEWLINE]user: Alright, this will give me an idea of what to expect as aid?[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: But I can do this estimate with that tool?[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]user: Does it cost anything to use the FAFSA4caster?[NEWLINE]agent: No it does not cost anything, the FAFSA4caster gives you a free estimate of your eligibility for federal student aid.[NEWLINE][BOUNDARY][NEWLINE]user: What if I don't know the answer to some of the questions on the 4caster? Some of the information I don't have at this time.[NEWLINE]agent: If you don't have all the information at this time you should answer all the question that are asked by the FAFSA4caster even if you have to estimate or guess.[NEWLINE]user: What types of questions does the FAFSA4caster ask?[NEWLINE]agent: You will have to answer financial and other questions that are used to estimate your federal student aid eligibility. Some of the questions you will easily be able to answer but there are some questions that you will only be able to answer if you have your federal tax information or bank statements available.[NEWLINE]agent: Are you able to provide this type of information because if not you will not receive the most accurate estimate?


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]user: What is the FAFSA4caster?[NEWLINE]agent: Do you have to understand all the FAFSA4caster options?[NEWLINE][BOUNDARY][NEWLINE]user: What types of questions can be seen on FAFSA4caster?[NEWLINE]agent: You can find financial and other questions that are used to estimate your eligibility.[NEWLINE]user: What is the most accurate estimate?[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: Let's say I use that, what should I do to get the most accurate estimate?[NEWLINE]agent: Be sure to answer all the questions on FAFSA4caster, even if you have to estimate or guess.[NEWLINE][BOUNDARY][NEWLINE]user: Can you tell me more about the information provided by FAFSA4caster, please?[NEWLINE]agent: Have you completed all the relevant questions in the FAFSA4caster?[NEWLINE]user: Yes, at least I think I did.[NEWLINE]agent: In that case the screen displays a worksheet to help you determine the net cost of attending college.[NEWLINE][BOUNDARY][NEWLINE]user: I see. Say, what other options do I have with FAFSA4caster?


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][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: What is the FAFSA4caster actually meant for?[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: What kind of questions do I need to 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][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: What kind of questions do I need to fill out when I use 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: 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: Why is PLUS credit counseling required?[NEWLINE]agent: PLUS credit counseling is required if the US Department of Education has sent you information that you have an adverse credit history.[NEWLINE][BOUNDARY][NEWLINE]user: Is Exit counseling necessary?


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: Can you tell me what is PLUS Credit Counseling?[NEWLINE]agent: This is important if you have been informed by the US Department of Education that you have an adverse credit history.[NEWLINE][BOUNDARY][NEWLINE]user: Is admission advice recommended before asking for help?[NEWLINE]agent: Exactly, it is important for your first subsidized direct loan, or unsubsidized direct loan as a college student.[NEWLINE][BOUNDARY][NEWLINE]user: When can you ask for advice?


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: Can you inform me if there is more credit advice?[NEWLINE]agent: It is essential that you seek information about the PLUS Credit Counseling that is necessary if the US Department of Education.[NEWLINE]agent: In addition, adverse credit history within 30 days influences the process.[NEWLINE]user: Can you explain in more detail what such a process consists of?[NEWLINE][BOUNDARY][NEWLINE]user: What is the Departure Counseling please?


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]user: What if I complete the counseling voluntarily and they say I have an adverse credit history after I just completed my counseling?[NEWLINE]agent: In that case your PLUS Credit Counseling requirement will be considered to be fulfilled.[NEWLINE][BOUNDARY][NEWLINE]user: Ah, that's good to know. And what can you tell me about exit counseling?


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 see. What if PLUS credit counseling is completed voluntarily?[NEWLINE]agent: If PLUS Credit Counseling is completed voluntarily and you are determined to have an adverse credit history by the U.S. Department of Education within 30 days of PLUS Credit Counseling completion, your PLUS Credit Counseling requirement will be considered to be fulfilled.[NEWLINE][BOUNDARY][NEWLINE]user: Well, what can you tell me about exit counseling?


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: Seems useful. I changed my mind. What do you have about entrance counseling?[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 can you tell me about TEACH grant counseling?[NEWLINE]agent: Well, you can complete TEACH Grant Initial and Subsequent Counseling.[NEWLINE][BOUNDARY][NEWLINE]user: Alright then. Finally, how do I begin my exit counseling session?


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][BOUNDARY][NEWLINE]user: Do you have info on plus counseling?[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.[NEWLINE]agent: Are you planning on completing PLUS Credit Counseling voluntarily?[NEWLINE]user: no I have to learn more so I'll wait[NEWLINE][BOUNDARY][NEWLINE]user: I have one more question, can you tell me what exit counseling is?


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]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][BOUNDARY][NEWLINE]user: I have other quesitons.[NEWLINE]agent: You can find out what loans qualify and you can get additional information about forbearance and other student loan flexibilities due to COVID-19.[NEWLINE][BOUNDARY][NEWLINE]user: What happens if I do not recertify on time for my income-driven repayment plan?[NEWLINE]agent: You would be removed for the income-driven repayment plan and your monthly normal amount would probably increase  if you miss the recertification time.[NEWLINE][BOUNDARY][NEWLINE]user: Can I make changes to my income-driven repayment plan?[NEWLINE]agent: Do you have an increase in family size or a decrease in income?


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 have an Income-Driven Repayment Plan but my income has decreased again what can I do?[NEWLINE]agent: If you income has dropped again you can recertify to have your new income taken into account.[NEWLINE]user: Do I have to recertify every year for my Income-Driven Repayment Plan?[NEWLINE]agent: Yes it is important that you recertify every year.[NEWLINE][BOUNDARY][NEWLINE]user: I have lost my part time job as a result of COVID-19 and am unable to make my payments on my student loan. Can I get help with this?[NEWLINE]agent: Am I correct then in assuming that you will not be able to make any sort of payment on your loan?[NEWLINE]user: Yes that is correct.


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]user: What is the IDR plan?[NEWLINE]agent: You must first request the IDR plan.[NEWLINE][BOUNDARY][NEWLINE]user: How can I change the payment plan based on income please?[NEWLINE]agent: Applies if you meet an increase in family size or a decrease in income.[NEWLINE]user: Can you explain more what you just said?[NEWLINE][BOUNDARY][NEWLINE]user: They are based on your income, in addition to your convenience.


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][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: How long does the suspension of payments due to Covid-19 last?[NEWLINE]agent: They began on March 13th, 2020 and will end on September 30th 2020.[NEWLINE][BOUNDARY][NEWLINE]user: How can I avoid defaulting on my 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: What happens if I can't make repayments because a drop of income?[NEWLINE]agent: You are able to get recertified early so you new lower income will be in affect earlier.[NEWLINE][BOUNDARY][NEWLINE]user: Am I able to change my info for my income-driven repayment plan?[NEWLINE]agent: Do you have an increase in family size or a decrease in your income?[NEWLINE]user: No, I have not had a an increase in family size or decrease in income.[NEWLINE][BOUNDARY][NEWLINE]user: What happens after I apply for an income-driven repayment plan?


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: What should I do if I get less income due to the current crisis?[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: That's reassuring. And why should I apply for an income-driven repayment plan?[NEWLINE]agent: 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 the Loan Simulator.[NEWLINE][BOUNDARY][NEWLINE]user: Can I change my income-driven repayment plan?[NEWLINE]agent: Have you had an increase in family size or a decrease in income?


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: Well, I don't want that. What can you tell me about the process of recertification?[NEWLINE][BOUNDARY][NEWLINE]agent: Do you want to recertify your income-driven repayment plan?[NEWLINE]user: Yes, please tell me more about that.[NEWLINE]agent: Enrollment in an income-driven repayment plan is good for one year. Before the year is over, you need to recertify your income and family size to stay on the plan.[NEWLINE]agent: Can you NOT afford your current income-driven payments because you've had a drop in income?[NEWLINE]user: Yes, unfortunately.[NEWLINE]agent: Then you can recertify early to have your new income taken into account right away.[NEWLINE][BOUNDARY][NEWLINE]user: I see. How do I provide relief to student loan borrowers during the COVID-19 national emergency?


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]agent: Yes. You can learn more about deferment and forbearance on our website.[NEWLINE][BOUNDARY][NEWLINE]user: Alright, then I guess I'll check there. 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][BOUNDARY][NEWLINE]user: Does your website have any information about forbearance?[NEWLINE]agent: Yes, you can learn more about deferment and forbearance on our website.[NEWLINE][BOUNDARY][NEWLINE]user: 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: Is there an easy way to 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: What are the most important steps to avoid default of student loans?[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: What can you tell me more about loans?[NEWLINE]agent: It is important to cancel in a stipulated time and request loans that you can pay.[NEWLINE]user: What is the purpose of the Loan Debt Collection Assistant?[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: Is consolidation a good choice?[NEWLINE]agent: Yes, you might want to combine your multiple federal student loans into a single Direct Consolidation Loan to make payments easier; but there could be tradeoffs so make sure you understand everything.[NEWLINE][BOUNDARY][NEWLINE]user: What steps should I take to avoid 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: You can give me more information on the subject.[NEWLINE]agent: I recommend you contact your loan servicer for information on the subject.[NEWLINE][BOUNDARY][NEWLINE]agent: It is vitally important to avoid defaulting on payments to invite additional payments.[NEWLINE]user: Perfect, and what else can you tell me?[NEWLINE]agent: You can also read carefully to fully understand their loan agreement.[NEWLINE]user: What does it mean that the federal loan is delinquent?


user: 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][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]agent: if you can help for example to obtain a deferment or leniency on your debt[NEWLINE]user: if i get many monthly notice message i can ignore it


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: can I combine loans to get better payments?[NEWLINE]agent: Yes, you can combine your multiple federal student loans into a single Direct Consolidation Loan to simplify repayment.[NEWLINE][BOUNDARY][NEWLINE]user: what can I do to avoid default?[NEWLINE]agent: You need to fully understand your loan agreement and the types of loans you are receiving. Don't borrow more than you need or more than you expect to be able to repay.[NEWLINE][BOUNDARY][NEWLINE]user: what happens after I miss a payment or two?


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: 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: 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: ok but If my federal student loan is delinquent, what should I do?[NEWLINE]agent: You should consult the Student Loan Debt Collection Assistant, which was developed by the US Department of Education in collaboration with the Office of Consumer Financial Protection. The tool provides information on how to access the full range of special payment options available to you.[NEWLINE][BOUNDARY][NEWLINE]user: ok I understand and can I simplify the refund with the consolidation?[NEWLINE]agent: Yes You may want to combine your multiple federal student loans into a single direct consolidation loan to simplify repayment. There may be trade-offs, so understand the advantages and potential disadvantages of consolidation before submitting the application[NEWLINE][BOUNDARY][NEWLINE]user: Loans, unlike most grants, scholarships or study and work funds, must be repaid under what conditions?[NEWLINE]agent: The first thing you should know is that before you owe from the Office of the Consumer Financial Protection is Read your promissory note.[NEWLINE]user: and what is your promissory note?


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: If I have SSDI or SSI could I qualify for TPD discharge?[NEWLINE]agent: Yes and you would have to send a copy of the reward letter or Benefits Planning Query showing that you your next scheduled disability review would be five to seven years or more from date of your last SSA disability determination.[NEWLINE][BOUNDARY][NEWLINE]user: What is the process after I submit a TPD discharge application?[NEWLINE]agent: Did you receive something from Nelnet stating they received it?[NEWLINE]user: No, I do not know if they received it.[NEWLINE][BOUNDARY][NEWLINE]user: Could a representative apply on my behalf and help me during the TPD discharge process?


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]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][BOUNDARY][NEWLINE]user: Do I need more detailed information about the TPD download?[NEWLINE]agent: I recommend you visit the TPD download website and look for information regarding the topic.[NEWLINE][BOUNDARY][NEWLINE]user: It sets out the various processes to be followed, such as supporting eligibility.[NEWLINE]agent: It is noteworthy that this occurs within 12 months from the date you are notified.[NEWLINE][BOUNDARY][NEWLINE]user: What does VA disability consist of?


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][BOUNDARY][NEWLINE]user: I wonder if it is mandatory to present the documents?[NEWLINE]agent: It is not necessary, you just have to complete and submit the application.[NEWLINE][BOUNDARY][NEWLINE]user: Can you explain the TPD download in more detail?[NEWLINE]agent: Mainly it consists of freeing from having to pay a Program loan.[NEWLINE][BOUNDARY][NEWLINE]user: Can you advise me how can I qualify for a TPD download?[NEWLINE]agent: Sure, to qualify for such a plan you must provide documentation from one of three sources.[NEWLINE]user: Can you explain more what you just mentioned please?[NEWLINE]agent: As a first step you should visit the Department of Veterans Affairs VA.[NEWLINE]user: Perfect, and what else should I keep in mind?[NEWLINE]agent: You must follow other processes to demonstrate that you qualify.[NEWLINE][BOUNDARY][NEWLINE]user: Can you tell me about the amounts to be canceled?


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]user: Does this type of discharge actually also apply for TEACH Grant service obligations?[NEWLINE]agent: It does indeed.[NEWLINE][BOUNDARY][NEWLINE]user: How would I be able to show that I qualify for the TPD discharge of my loan and obligations?[NEWLINE]agent: Do you have documentation from either the Department of Veterans Affairs, the SSA, or a physician?[NEWLINE]user: I do have that documentation, yes.[NEWLINE]agent: Is your documentation from the Department of Veterans Affairs?[NEWLINE]user: It is.[NEWLINE]agent: You will be able to use that documentation to show that you qualify for a TPD discharge.[NEWLINE][BOUNDARY][NEWLINE]user: Where can I find more in depth information about TPD discharges?


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][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: Would approval of my discharge have done anything about my TEACH Grant service obligation?[NEWLINE]agent: A TPD discharge relieves you from having to complete a TEACH Grant service obligation.[NEWLINE][BOUNDARY][NEWLINE]user: If I want to reapply, where can I find more information about TPD discharge?[NEWLINE]agent: Do you have internet access?[NEWLINE]user: I do.[NEWLINE]agent: You can visit the website at disabilitydischarge.com.[NEWLINE][BOUNDARY][NEWLINE]user: If I reapply with better documentation and can get my loan discharged due to TPD, would I have to pay taxes on the discharged loan amount?


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]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: What can I do when having trouble making my federal student loan payments?[NEWLINE]agent: The section Trouble Making Your Federal Student Loan Payments  will provide the information on what to do if you are having trouble making your student loan payments.[NEWLINE][BOUNDARY][NEWLINE]user: I am having trouble making payments, what can I do?


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 see... But what will happens if by chance I miss any of the payments?[NEWLINE]agent: In that case, is very important to stay in touch with your loan servicer, specially if you have any struggles to make payments on your loans.[NEWLINE]user: I see. And if I can't make payments at all?


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][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: What if the loan payments cannot be made?


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]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?


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: Do I really have a grace period of six month?[NEWLINE]agent: Yes, you have a six-month grace period before you have to start paying back your student loans and nine months if you have a Perkins Loan.[NEWLINE][BOUNDARY][NEWLINE]user: What loan servicers are used to make payments to?[NEWLINE]agent: The US Depatment of Education has many loan servicers that handle the billing and other services on loans for William D. Ford Federal Direct Loan and for loans that will made under FFEL and ED purchased.[NEWLINE]agent: Did you set up automatic monthly debit payments for your loan from your checking or savings?[NEWLINE]user: No, I have not set up automatic payments.[NEWLINE]agent: Do you send your payment by mail?


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: What are my options for making a payment of my loan?[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: How do I go about changing my repayment plan if my financial circumstances change?[NEWLINE]agent: It is best to contact your loan servicer about changing your repayment plan. However, you might want to use the Loan Simulator to get a look at which plans you may be eligible for and see estimates for how much  you would pay monthly before contacting your loan servicer.[NEWLINE][BOUNDARY][NEWLINE]user: I have not been able to make a couple of loan payments in the last months and am wondering what I should do about it?


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: 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: 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: ok i understand and what things should i avoid?[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]user: What if it's not up to me and I can't make payments?[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?


user: I'm looking for information regarding benefits planning, can you help me?[NEWLINE]agent: Are you planning for your own future?[NEWLINE]user: Yes I am[NEWLINE]agent: You need to think about what your family would do if you died now. Social Security can help your family, provided you have earned enough Social Security credits through your work[NEWLINE][BOUNDARY][NEWLINE]user: That's helpful to hear. Do you have any experience with the benefits planner? Thank you for your answer. Now, suppose I announce a death. What happens next?[NEWLINE]agent: Are you asking in behalf of your spouse or parent records?[NEWLINE]user: Not, not at all.[NEWLINE]agent: Are you asking for a retirement or disability situation on your own record?[NEWLINE]user: No, neither that.[NEWLINE]agent: Are you asking because you're not getting any benefits?


user: Can you help me with planing the benefits for my survivors?[NEWLINE]agent: Are you planning for the future of your survivors?[NEWLINE]user: Not right now.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE]user: But I want to know if my family would get any help from Social Security after my passing.[NEWLINE]agent: yes, Social Security can help your family if you have earned enough credits through your work.[NEWLINE][BOUNDARY][NEWLINE]user: Do you also know about if ever the adult child is already receiving disability benefits in his own record, can he still get benefits on my record?[NEWLINE]agent: He still should check if he can get benefits on his parent's record. Higher benefits might be payable and he could be entitled to receive Medicare.[NEWLINE][BOUNDARY][NEWLINE]user: If I am widowed, at what age can I have benefits and for what benefits?[NEWLINE]agent: She can get reduced benefits as early as age 60 or full benefits at full retirement age. If she's 50 years old she could get the benefits if she's disabled and her disability started 7 years or earlier before your death.[NEWLINE][BOUNDARY][NEWLINE]user: what if she remarries after my death?[NEWLINE]agent: if she remarries after age 60, 50 if disabled, she would still qualify for the benefits on your social security records.[NEWLINE]user: And if she receives a pension not covered by Social Security?


user: I need help planning for my survivors.[NEWLINE]agent: Are you currently planning for the future of your survivors?[NEWLINE]user: Yes, I am.[NEWLINE]agent: If you have earned enough Social Security credits, then Social Security can help your family should you die now.[NEWLINE][BOUNDARY][NEWLINE]user: Can my stepfather receive the benefits too?[NEWLINE]agent: He can if he became your stepfather before you turned 16.[NEWLINE][BOUNDARY][NEWLINE]user: Is it okay if I ask a follow-up question for other Things? Will my 62-year-old mother's benefits be affected if she remarries?[NEWLINE]agent: She will continue to qualify for benefits on the deceased spouse's Social Security record.[NEWLINE][BOUNDARY][NEWLINE]user: are the kids eligible for benefits after they turn 18?[NEWLINE]agent: Are they unmarried children under 18, or up to age 19 and attending elementary or secondary school full time and the children of a worker who died?


user: I want to know about planning Social Security benefits for the future in case I die.[NEWLINE]agent: Are you already planning for the future?[NEWLINE]user: Yes, I am[NEWLINE]agent: Since you are already thinking about what your family would need in case you die, I can tell you that Social Security can help your family if you have earned enough credits through your work.[NEWLINE][BOUNDARY][NEWLINE]user: I have doubts about applying for my Social Security benefits, as I told you I am thinking about my future, could I do these online? or should I go to an office?[NEWLINE]agent:  If you want to apply for retirement benefits, disability benefits, or just Medicare and you meet certain criteria you can complete your application online[NEWLINE]user: yes[NEWLINE]agent: Oh okay no problem[NEWLINE][BOUNDARY][NEWLINE]user: Does my spouse get benefits?[NEWLINE]agent:  Even if you never worked under Social Security,s you may still qualify for benefits if you are the[NEWLINE][BOUNDARY][NEWLINE]user: How can I get benefits


user: can you tell me about planning for social security benefits for my survivors?[NEWLINE]agent: Are you currently planning for their future?[NEWLINE]user: Not right now.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: But just to know, what if I left a surviving divorced spouse?[NEWLINE]agent: If your marriage lasted for at least 10 years, then they could receive the same benefits as your widow or widower.[NEWLINE][BOUNDARY][NEWLINE]user: Another question about disability eligibility: can you work in any other capacity?[NEWLINE]agent:  we ll decide that you don t have a qualifying disability and your claim will be denied[NEWLINE][BOUNDARY][NEWLINE]user: Okay, that seems unfair to me, that is, if I lasted with my wife for 9 years and 11 months, would social security really help my family if I died?[NEWLINE]agent: Yes, if you earn enough social security credits then Social Security would help your survivors with the benefits you earn while working.[NEWLINE][BOUNDARY][NEWLINE]user: Could my widow apply for disability benefits after my death?[NEWLINE]agent: She would need to contact Social Security at 1-800-772-1213. The process could get faster if she completes an Adult Disability Report before her appointment.[NEWLINE]user: Please, tell me about the benefits she could get and at what age?[NEWLINE]agent: your widow could get reduced benefits as early as age 60 or full benefits at full retirement age. If she suffers from a disability, she could get the benefits as soon as she turns 50 if the disability started before your death or up to 7 years after your death.[NEWLINE][BOUNDARY][NEWLINE]user: What is the maximum amount my family can get from Social Security?


user: Yes maybe you can help me with the forms for benefit planning?[NEWLINE]agent: Are you interested in planning for the future?[NEWLINE]user: Yes I would like to prepare in the eventuality that I die.[NEWLINE]agent: If you have earned enough Social Security credits through your work, Social Security can help your family financially.[NEWLINE][BOUNDARY][NEWLINE]user: Would my partner benefit from this?[NEWLINE]agent: Yes if they have not remarried in the interim and if they take care of your child who is under age 16 or disabled and receives benefits on your record.[NEWLINE][BOUNDARY][NEWLINE]user: Sure. Now I need to ask about Social Security requirements for eligibility, could I get benefits if I was a surviving spouse?[NEWLINE]agent: Yes, but you can not receive benefits as a surviving spouse while you are married.[NEWLINE][BOUNDARY][NEWLINE]user: And what if, for example, I applied for disability benefits as a survivor: is there any way to speed up the process? I'm asking for a friend.[NEWLINE]agent: Yes, there is. You can speed up the disability application process if you complete an Adult Disability Report and have it available at the time of your appointment. We use the same definition of disability for widows and widowers as we do for workers.[NEWLINE][BOUNDARY][NEWLINE]user: Thank you for explaining. Back to my initial question. What if I was a surviving widow, who is already receiving retirement benefits?


user: I need some information on benefits planning.[NEWLINE]agent: I can help you with this. Are you planning for your future?[NEWLINE]user: No, I am planing for my wife Sally.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: If Sally remarries after I die should she apply for my benefits?[NEWLINE]agent: Yes, she can.[NEWLINE][BOUNDARY][NEWLINE]user: I do have low vision though[NEWLINE]agent: Ok no problem, we can help with that.[NEWLINE][BOUNDARY][NEWLINE]user: Can you tell me if when we divorce before I die, what benefits will Sally be entitled to?[NEWLINE]agent: So she would be a surviving divorced spouse?[NEWLINE]user: Yes, just trying to figure out her future without me.[NEWLINE]agent: Ok, I see. Sally would continue to receive the benefits after your death provided your marriage lasted 10 years or more.[NEWLINE][BOUNDARY][NEWLINE]user: I want to make sure that I plan for my family. How do I know if I have earned enough Social Security credits through my work?


user: I want to know how to plan for the social security benefits for my survivors.[NEWLINE]agent: Are you currently planning for their future?[NEWLINE]user: Yes, I am[NEWLINE]agent: then you can rest assured that they will receive Social Security help if you manage to earn enough social security benefits through your work.[NEWLINE][BOUNDARY][NEWLINE]user: Ok, I would also like to find out about the benefits for my spouse or wife, how to know the benefits that I will have, and at the time of death of the family member how to notify?[NEWLINE]agent: We should be notified right away when a person dies; but you cannot report a death or apply for survivors benefits online.[NEWLINE]agent: Do you need to report a death?[NEWLINE]user: Yes, I need to report a death.[NEWLINE]agent: You can call 1-800-772-1213 TTY 1-800-325-0778 between the hours of 7.a.m and 7 p.m. Monday through Friday to talk to a Social Security Representative to report a death.  You can also, visit your local Social Security office.[NEWLINE][BOUNDARY][NEWLINE]user: How many credits are needed to provide benefits for survivors?[NEWLINE]agent: The number of credits needed to provide benefits for survivors depends on the worker's age when they die.  No one needs more than 40 credits or ten years of work to be eligible for any Social Security benefit.[NEWLINE][BOUNDARY][NEWLINE]user: What happens with minors when I die?[NEWLINE]agent: If you are the unmarried child under 18 up to 19 if attending elementary or secondary school full time of a worker who dies they can be eligible for survivors benefits.


user: Hi, I want to know how to apply for disabilty benefits for family members.[NEWLINE]agent: You'll need the Social Security numbers of each member of your family that may be eligible for benefits.[NEWLINE]agent: Is your spouse also applying for benefits?[NEWLINE]user: No, that's not the case.[NEWLINE]agent: Do you have proof of the marriage?[NEWLINE]user: Yes, I do.[NEWLINE]user: What can I do in case I don't have all the required documents?[NEWLINE]agent: If you need the benefits now, don't delay applying for it, we'll help you get all the documents and information needed.[NEWLINE][BOUNDARY][NEWLINE]user: just in case my application is denied. Can I request an appeal?[NEWLINE]agent: we have a free TTY number for people with hearing impairments to request an appeal, 1 - 800 - 325 - 0778.[NEWLINE][BOUNDARY][NEWLINE]user: I want to know more about the online tools, and what are the advantages of calculators?


user: I have recently become permanently disabled. How do I apply for Social Security?[NEWLINE]agent: To apply, you will have to provide information about yourself including your Social Security number, information about your health history including doctors names and addresses, dates of any hospital visits, and a list of medication and the dosage you take.[NEWLINE][BOUNDARY][NEWLINE]user: Do I need to provide any information about the others who live in my home?[NEWLINE]agent: Yes. If any other members of your household qualify for benefits, their social security numbers and proof of their ages will be needed.[NEWLINE]agent: Do I need a proof of marriage if my husband is applying for benefits, as well?[NEWLINE]user: Yes. A proof of marriage is required if your spouse is applying for benefits too.[NEWLINE][BOUNDARY][NEWLINE]user: I'm not clear on whether or not I am qualified for benefits. Is there a place where I could get more information about this?[NEWLINE]agent: Yes, more information about this topic can be found in your SSI booklet on page 5 under "Your income and resources".[NEWLINE][BOUNDARY][NEWLINE]user: Another thing about this, I have few points, is there any method to estimate the benefits that I will be able to obtain?[NEWLINE]agent: Then you can go and use one of our benefit calculator, so you can estimate your future retirement, disability or survivor benefits.[NEWLINE][BOUNDARY][NEWLINE]user: These things can be completed using the computer, right?[NEWLINE]agent: Are you goind to try it online?[NEWLINE]user: No, i'm only curious about it.[NEWLINE]agent: In any cse, you would be willing to do that process, even if we are not able to process your request?[NEWLINE]user: Sure, why not.


user: What can I do if my application for disability benefits is denied?[NEWLINE]agent: We can deny your application if we decide you don't meet the requirements to get the benefits after reviewing your application. But, you have the right to ask for a second review.[NEWLINE]user: So if I disagree with your decision I can ask for y application to be reviewed again?[NEWLINE]agent: Yes, and in the notice you receive after getting your application denied, you can see the instructions on how to appeal the decision.[NEWLINE][BOUNDARY][NEWLINE]user: Good to know! Another question related to application to be reviewed again. Is there a different process for advocates?[NEWLINE]agent: Are you helping someone do their application?[NEWLINE]user: Yes, I'm filing for my sister.[NEWLINE]agent: Yes, there are additional things you will need to know.[NEWLINE][BOUNDARY][NEWLINE]user: Are disability and supplemental the same thing?[NEWLINE]agent: There are 2 programs depending on your employment history and income.[NEWLINE]user: Is the information I need to have the same for both?


user: What can I do if my disability benefits application is denied?[NEWLINE]agent: if your application is denied is due to, after reviewing your case, we decide that you don't meet the requirements for disability benefits. But you can appeal our decision.[NEWLINE]agent: Do you disagree with our decision?[NEWLINE]user: Yes, what can I do now?[NEWLINE]agent: you have the right to ask for another review. In the denial notification you receive, you can see the instructions to appeal the decision.[NEWLINE]user: what would happen if I don't have enough social security credits to qualify for disability benefits?[NEWLINE]agent: In that case, you can still qualify for Supplemental Security Income (SSI) if you have limited income and resources.[NEWLINE]user: do you have any TTY number for deaf people?[NEWLINE]agent: Yes, we have the toll-free TTY number 1-800-325-0778[NEWLINE]user: Can a deaf person request an appeal through that TTY number?[NEWLINE]agent: Yes, they can.[NEWLINE]user: Where can I get more information about SSI?


user: My application has been denied what do I do?[NEWLINE]agent: Read if your application is Denied on our website[NEWLINE]agent: and read  If you disagree with our decision[NEWLINE]user: ok[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: What other publications are there I can read?[NEWLINE]agent: There is Apply Online For Disability Benefitss Disability,  Benefitss  and  Disability Starter Kit[NEWLINE][BOUNDARY][NEWLINE]user: Can you tell me more about the survivors benefits?[NEWLINE]agent: Use our Survivors Planner to learn  how your family members are protected[NEWLINE][BOUNDARY][NEWLINE]user: Can I do this online?[NEWLINE]agent: you can complete your application online[NEWLINE][BOUNDARY][NEWLINE]user: What about spouse benefits?


user: What original documentation do I need to get a Social Security Card for my child?[NEWLINE]agent: Firstly we need to establish citizenship[NEWLINE]agent: Have you already established your child's US citizenship with us?[NEWLINE]user: Yes I have[NEWLINE]agent: The original documentation needed for citizenship is a US birth certificate or US passport[NEWLINE][BOUNDARY][NEWLINE]user: What if I don't inform you of my child's name change?[NEWLINE]agent: This could delay any tax refund due to you or your child[NEWLINE][BOUNDARY][NEWLINE]user: What is needed if I have already established my child's name with your department?[NEWLINE]agent: null[NEWLINE]agent: Have you changed your child's name on their Social Security card?


user: Hello, I need to get a Corrected Card for my child. Can you help me?[NEWLINE]agent: Did you change the name of your child?[NEWLINE]user: No, I didn't change his name.[NEWLINE]agent: Does he works?[NEWLINE]user: No, he doesn't.[NEWLINE]agent: You need to tell us when your child's name changes or it could cause him some inconveniences. Your child hasn't changed his name?[NEWLINE]user: No, he hasn't changed his name.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: What could I use as proof of identity to show to Social Security?[NEWLINE]agent: You could use your U.S. driver's license or a state-issued non-driver identification card.[NEWLINE]user: Any other document I could use?[NEWLINE]agent: You can also use your U.S. passport.[NEWLINE]user: And for my child, what kind of document can I use as his proof of identity?[NEWLINE]agent: You must use a document that shows his name, identifying info, recent photography, or parents' names.[NEWLINE][BOUNDARY][NEWLINE]user: can I use copies of the documents needed?


user: Hello. I need information about corrected cards for U.S. born children.[NEWLINE]agent: ok, first, have you changed your child's name?[NEWLINE]user: I haven't[NEWLINE]agent: Is your child currently working?[NEWLINE]user: No, he isn't working.[NEWLINE]agent: Just so you know, it could cause you inconveniences if you don't tell us about your child's name change.[NEWLINE]user: But, I haven't changed my child's name.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: What I want to know right now is, what original documents do I need to apply for a corrected card?.[NEWLINE]agent: null[NEWLINE]agent: have you established with us the citizenship of your child?


user: What documents do I need to obtain a corrected card for my child?[NEWLINE]agent: The documents you need will depend on whether or not your child is a U.S. citizen.[NEWLINE]agent: Have you established your child's U.S. citizenship with us?[NEWLINE]user: No, I have not.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE]user: I don't have an identity document for my child with his prior name on it. What can I do?[NEWLINE]agent: An unexpired identity document with your child's new name can be accepted as long as we can establish his/her identity in our records.[NEWLINE]user: Do you know about Social Security regulations, what if I need to change my name on my Social Security card?[NEWLINE]agent: You have to prove your legal name change. You'll need to provide any document that proves that you legally changed your name[NEWLINE]user: What documents are accepted as proof of identity?[NEWLINE]agent: Acceptable documents have to be current and show your name, identifying information, date of birth and a recent photograph.[NEWLINE]user: Please, give me some examples of acceptable documents.


user: My child's Social Security Cardhas the wrong name on it, how do I get it changed?[NEWLINE]agent: Have you legally change your child 's name because of adoption, court order or any other reason?[NEWLINE]user: No he has the same name as at birth.[NEWLINE]agent: Is your child employed at the moment?[NEWLINE]user: Yes he has a summer job.[NEWLINE]agent: Once the error is corrected, his employer must be informed as well.[NEWLINE][BOUNDARY][NEWLINE]user: One more question for the documents that I will be needing, what do I need in order to get a new card?[NEWLINE]agent: The documents you need will depend on whether or not you are an established U.S. citizen.[NEWLINE]user: I am a U.S. citizen. What documents will I need?[NEWLINE]agent: If you don't have the documents required, you can use your employee ID card, but it must not be expired and it must include your date of birth.[NEWLINE][BOUNDARY][NEWLINE]user: Is there any way else I can obtain a card without contacting Social Security?[NEWLINE]agent: No. You must contact Social Security to receive a new Social Security card.[NEWLINE][BOUNDARY][NEWLINE]user: Are the documents that I need different depending on whether I'm a citizen or not?


user: I need to amend my daughter's Social Security Card, how do I proceed?[NEWLINE]agent: Have you legally changed your child 's name as a result of adoption, a court order or some other reason?[NEWLINE]user: Yes she was adopted and took her stepfather's name.[NEWLINE]agent: Well then you definitely need to tell Social Security so that you can get a corrected card.[NEWLINE][BOUNDARY][NEWLINE]user: What documents must I present?[NEWLINE]agent: We accept the Final adoption decree with the new name as proof.[NEWLINE]user: I was just thinking about asking about  Social Security. What if you don't have all of the necessary documents?[NEWLINE]agent: If we don't receive the documents within 10 days we can look at other documents as long as they aren't expired and show your name and identifying information such as a birthday or a photo.[NEWLINE]user: What counts as proof of identity?[NEWLINE]agent: Any document that isn't expired that has information about you such as a driver's license or passport.[NEWLINE]user: What specific cards show proof of identity?[NEWLINE]agent: You can use a U.S. driver's license, a state ID card, or a U.S. passport.[NEWLINE][BOUNDARY][NEWLINE]user: Am I able to request a replacement card online?


user: What documents will I need to get a corrected card for my son?[NEWLINE]agent: The documents you will need will depend on whether your son is a U.S. born citizen or a foreign born citizen.[NEWLINE]user: He is a U.S. citizen, but what documents do I need to verify this with Social Security?[NEWLINE]agent: ITo verify your son's citizeship, we will need to see a U.S. birth certificate or an U.S. passport.[NEWLINE]user: Will this prove his identity?[NEWLINE]agent: Yes, this will prove your son's identity.[NEWLINE][BOUNDARY][NEWLINE]user: Understood, and regarding the monthly Medicare premiums, if I am single and I file an individual tax return, what happens to my monthly premiums for 2020?[NEWLINE]agent: Then the chart on our website applies to you.[NEWLINE][BOUNDARY][NEWLINE]user: If I give you current tax information, can you update your records?[NEWLINE]agent: Yes, we'll update our records.[NEWLINE][BOUNDARY][NEWLINE]user: What happens if you determine that I'm a higher-income beneficiary?


user: Hello. Will you help me correct my child's social security card?[NEWLINE]agent: Sure. Have you legally changed your child's name?[NEWLINE]user: No. my child's name has not changed.[NEWLINE]agent: Is your child employed?[NEWLINE]user: Yes, she is working.[NEWLINE]agent: Your child will need to tell her employer that she is correcting her social security card.[NEWLINE][BOUNDARY][NEWLINE]user: Are you familiar with the replacement procedure? What do I do if I can't find one of the documents needed?[NEWLINE]agent: Do you have the Employee Identification Card?[NEWLINE]user: no[NEWLINE]agent: and the school ID card?[NEWLINE]user: no[NEWLINE]agent: and Health insurance card not a Medicare card?[NEWLINE]user: no[NEWLINE]agent: and the American Military Identification Card?[NEWLINE]user: neither


user: What documents do i need?[NEWLINE]agent: If you have not already established your child 's U.S. citizenship with us  we need to see proof of U.S. citizenship[NEWLINE]agent: If you have not already established your child 's U.S. citizenship with us  we need to see proof of U.S. citizenship.[NEWLINE]user: ok yes that applies to me[NEWLINE]agent: If you have not already established your child 's U.S. citizenship with us, [19] we need to see proof of U.S. citizenship[NEWLINE]user: What documents do I need?[NEWLINE]agent:  Citizenship[NEWLINE]user:  If the document you provide as evidence of your child 's legal name change does not give us enough information to identify your child in our records or if you changed your child 's name more than four years ago[NEWLINE]agent: you must show us an identity document in your child 's prior name as shown in our records[NEWLINE]user:  If you do not have an identity document in your child 's prior name[NEWLINE]agent:  we may accept an unexpired identity document in your child 's new name, as long as we can properly establish your child 's identity in our records[NEWLINE]user: what others do i need?


user: How can I apply for disability benefits?.[NEWLINE]agent: You can apply for these benefits as soon as you become disabled.[NEWLINE]agent: Are you ready to apply now?[NEWLINE]user: Yes, I'm ready.[NEWLINE]agent: then you can complete your application online or call our toll-free number 1-800-772-1213.[NEWLINE][BOUNDARY][NEWLINE]user: what other resources do you guys have published that I can use to get more information?.[NEWLINE]agent: Among our publications, there are, Apply Online For Disability Benefits, Disability Benefits, and Disability Starter Kit.[NEWLINE][BOUNDARY][NEWLINE]user: can you give me a way to contact you guys for applying in case of hearing impairments?[NEWLINE]agent: yes, sure. You can use our TTY number 1-800-325-0778. Or you could visit your local Social Security office.[NEWLINE][BOUNDARY][NEWLINE]user: Can I apply without having all of the required documents?[NEWLINE]agent: We actually recommend you to apply as soon as possible. We'll help you get all the information needed to complete the process.[NEWLINE][BOUNDARY][NEWLINE]user: Ok, in my case, I was self-employed. Is there anything else I need to do?


user: How do I apply for disability benefits?[NEWLINE]agent: A person should apply for benefits as soon as they become disabled.[NEWLINE]agent: Are you currently disabled and ready to apply for benefits?[NEWLINE]user: Yes, I'm ready to apply.[NEWLINE]agent: Do you happen to have a hearing disability?[NEWLINE]user: Yes, I'm deaf.[NEWLINE]agent: For those with hearing impairements, you can call 1-800-325-0778. You can also visit your local Social Security office.[NEWLINE]user: Can I apply right now?[NEWLINE]agent: Since you are disabled, you can apply right away.[NEWLINE]user: What if I'm inquiring about benefits for someone other than myself?[NEWLINE]agent: Please read about what you need for this.[NEWLINE][BOUNDARY][NEWLINE]user: What if I don't have all the documents I need to apply?[NEWLINE]agent: Don't delay applying for benefits. We can help you obtain the documents you need.[NEWLINE][BOUNDARY][NEWLINE]user: What if I don't have enough work credits to obtain Social Security disability benefits?[NEWLINE]agent: In this case, you may still qualify for SSI if you have limited income and resources.[NEWLINE][BOUNDARY][NEWLINE]user: Can I call my local Social Security office for help with applying?