user: I need registration information for an out of state car[NEWLINE]agent: Do you want to know if you have to register your vehicle in New York State?[NEWLINE]user: yea[NEWLINE]agent: You might need to register the car under certain situations[NEWLINE][BOUNDARY][NEWLINE]user: what if I do have to register but the title is not in my name? I have a 2008 Honda Accord that was bought used[NEWLINE]agent: For a used vehicle purchased from an out-of-state dealer, you will need to provide an out-of-state title certificate or transferrable registration transferred to the dealer, OR the dealer’s bill of sale that transfers ownership to you[NEWLINE][BOUNDARY][NEWLINE]user: so will I need to register if I move to NY full time?[NEWLINE]agent: Yes,  you must register your vehicle here within 30 days of becoming a resident[NEWLINE][BOUNDARY][NEWLINE]user: If my car had been purchased new from a New Jersey dealership what would I need as proof of ownership?[NEWLINE]agent: You would need the Manufacturer’s Certificate of Origin, and the dealer's bill of sale[NEWLINE][BOUNDARY][NEWLINE]user: ok, and what will I need to have with me to register the car?[NEWLINE]agent: Before you visit a DMV office to register your vehicle, you should complete the Document Guide to make sure you bring the correct documents with you. The requirements to register an out-of-state vehicle are generally the same as to register and title vehicle in New York.[NEWLINE]user: can you give me a link to the document guide?[NEWLINE]agent: Yes, I can link you to the Document Guide[NEWLINE][BOUNDARY][NEWLINE]user: last question I want to ask is if there is a way around the California emission standards?


user: I need info about register an out-of-state vehicle[NEWLINE]agent: Do you need to register your vehicle in New York State?[NEWLINE]user: Not for now, but maybe in a couple of months[NEWLINE][BOUNDARY][NEWLINE]agent: Do you know what you need to bring to the DMV?[NEWLINE]user: No, I don't know[NEWLINE][BOUNDARY][NEWLINE]agent: Are you out of New York to register?[NEWLINE]user: No, I'm in New York right now[NEWLINE][BOUNDARY][NEWLINE]agent: Can you provide proof of ownership?[NEWLINE]user: Sadly I can't, I have problems with that[NEWLINE][BOUNDARY][NEWLINE]agent: Is there a lien on your out-of state title certificate?[NEWLINE]user: Yes, that's correct


user: Hi there. I'm looking for information related to the transaction of a car.[NEWLINE]agent: You mean like changing the name of the owner?[NEWLINE]user: Not exactly like that.[NEWLINE][BOUNDARY][NEWLINE]agent: Is the vehicle under any kind of damage from a natural disaster or something?[NEWLINE]user: No, no, not at all.[NEWLINE][BOUNDARY][NEWLINE]agent: then, would you like some tips related to buy or sell a vehicle?[NEWLINE]user: yes, sure, any helpful tip will be appreciated.[NEWLINE]agent: No problem. You can always consult the dmv brochures, along with Led the buyer be aware and the Q&A about your tittle certificate section. There you should find some useful information.[NEWLINE][BOUNDARY][NEWLINE]user: There will be need anything like a proof of ownership fr the car?[NEWLINE]agent: Yes, you will need it. The the proof of ownership is needed to register and tittle a vehicle in the new york state, so you need to get it at the purchase.[NEWLINE]user: This is the same for all kind of vehicles? I'm getting a car, but just to know.


user: What will I need for ownership transfer at the time of purchase of my new vehicle?[NEWLINE]agent: Are you wanting to register the new vehicle in the state of New York?[NEWLINE]user: Yes I am.[NEWLINE]agent: You can use DMV's document guide to make sure you get all documents you need from a seller so that you can register your vehicle in New York.[NEWLINE][BOUNDARY][NEWLINE]user: What must the seller do when transferring ownership to me?[NEWLINE]agent: The seller must either complete and sign the transfer ownership section of the title certificate and sign a bill of sale or provide other acceptable proofs of ownership and transfer of ownership.[NEWLINE][BOUNDARY][NEWLINE]user: Does the bill of sale need to be signed even if a vehicle is a gift?[NEWLINE]agent: Yes, the bill of sale must be signed when transferring ownership even if a vehicle is a gift.[NEWLINE][BOUNDARY][NEWLINE]user: Are proofs of ownership needed to register and title different types of vehicles different?[NEWLINE]agent: Yes, the proofs of ownership needed to register and title a vehicle in New York are different for different types of vehicles for example cars, trailers, boats, snowmobiles, manufactured homes.[NEWLINE][BOUNDARY][NEWLINE]user: How do I register a vehicle that I received as a gift?[NEWLINE]agent: You cannot do that over the phone, online, or by mail.  Vehicles received as gifts must be registered at a DMV office.[NEWLINE]user: Does a snowmobile received as a gift need to be registered?


user: Is there additional information I need to know about transfer of ownership?[NEWLINE]agent: Do you need to know about changing names?[NEWLINE]user: No, not at this time.[NEWLINE][BOUNDARY][NEWLINE]agent: Do you know about checking if vehicle has been in a flood?[NEWLINE]user: No, I do not know about checking if vehicle has been in a flood.[NEWLINE][BOUNDARY][NEWLINE]agent: Would you like some tips on buying a vehicle?[NEWLINE]user: No, I have bought a vehicle before.[NEWLINE][BOUNDARY][NEWLINE]user: Where can I register my vehicle?[NEWLINE]agent: It is necessary to register your vehicle at the DMV office and not online, over the phone, or by mail.[NEWLINE][BOUNDARY][NEWLINE]user: Do I need to sign a bill of sale?


user: I need additional information about buying or selling a vehicle[NEWLINE]agent: acerca de cambiar nombres?[NEWLINE]user: yes[NEWLINE]agent: You can not change the name on the vehicle registration or the title certificate to the name of another person. You must transfer the ownership of the vehicle[NEWLINE][BOUNDARY][NEWLINE]user: Necesito Consejos para comprar un vehículo.[NEWLINE]agent:  Read the DMV brochures, Let the Buyer Be Aware, and Q&A About Your Title Certificate[NEWLINE][BOUNDARY][NEWLINE]user: if is Flood damage[NEWLINE]agent: You can check the National Insurance Crime Bureau database to see if a vehicle is flood damaged. You will need the Vehicle Identification Number VIN[NEWLINE][BOUNDARY][NEWLINE]user: How to register[NEWLINE]agent:  See information for how to register a vehicle you bought or received as a gift.Register and title a vehicle or trailerRegister a snowmobile, boat or ATV[NEWLINE][BOUNDARY][NEWLINE]user:  In general, when transferring ownership


user: Hello, I would like to know additional information about the purchase or sale of a vehicle[NEWLINE]agent: you want to know about Name change?[NEWLINE]user: Yes[NEWLINE]agent: You cannot change the name on the vehicle registration or title certificate to someone else's name. You must transfer ownership of the vehicle.[NEWLINE][BOUNDARY][NEWLINE]user: and what if they suffer flood damage[NEWLINE]agent: You can check the National Insurance Crime Bureau's database to see if a vehicle is damaged by flooding. You will need the VIN vehicle identification number.[NEWLINE][BOUNDARY][NEWLINE]user: and what should the buyer of a vehicle do?[NEWLINE]agent: The buyer should   sign the bill of sale, even if it is a gift    pay sales tax or have proof of an exemption[NEWLINE][BOUNDARY][NEWLINE]user: and what advice can you give me to buy a vehicle?[NEWLINE]agent: Read DMV brochures, Inform Buyer and Questions and Answers about your certificate of title[NEWLINE][BOUNDARY][NEWLINE]user: and are Proof of Ownership necessary?


user: Hey, good morning. I'm into a vehicle operation right now and need some information.[NEWLINE]agent: Do you need information about any possible name change?[NEWLINE]user: No, i don't need that.[NEWLINE][BOUNDARY][NEWLINE]agent: Then perhaps are you looking for information related to vehicle damage, like flood?[NEWLINE]user: That's it. I'm interested in possible damages, thanks.[NEWLINE]agent: If you're looking to check about any possible damage in your vehicle-to-be, please make use of the National Insurance Crime Bureau database. IN that way, you can verify if the vehicle has some damage due flood. You'll need to have the vehicle's VIN.[NEWLINE][BOUNDARY][NEWLINE]user: I see, thanks. Em, Any possibility you can refer me to more information about how to purchase a vehicle?[NEWLINE]agent: No problem. If you have any more doubts, you can read the following DMV documents: Let the Buyer Be Aware and Q&A about your Title Certificate.[NEWLINE][BOUNDARY][NEWLINE]user: I'll get into those later, but thanks for telling me about them. Hey, do you only have information to register just vehicles?[NEWLINE]agent: No. We can give you information about registering a vehicle that has been given to you as a gift, for example, including trailers, snowmobiles, boats or ATVs.[NEWLINE][BOUNDARY][NEWLINE]user: Whoa, that's a lot of vehicles, huh? Say, in other question, What must do a seller when transfer a vehicle?


user: Good evening, can i have some info about transferring ownership of a vehicle?[NEWLINE]agent: No problem. Do you know what you need to do before buy a vehicle?[NEWLINE]user: Yes, i've read something about it.[NEWLINE]agent: Great. However, let me remind you in a friendly way, that you can use the DMV's Document Guide to make sure you get all documents you need from a seller so you can register your vehicle in NY.[NEWLINE]user: Oh, glad you mention that. I 've read but  i wanted to ask anyway. How do i find proofs for my transaction?[NEWLINE]agent: For that, the seller must complete and sign the transfer ownership secion of the title certificate and sign a bill of sale.[NEWLINE][BOUNDARY][NEWLINE]user: With that, can i proceed to register the vehicle?[NEWLINE]agent: That's right. You can register your vehicle in that way. You can even register other vehicles, boats or ATVs following the same procedure.[NEWLINE][BOUNDARY][NEWLINE]user: O.k, Now, can i change a name in a registration?[NEWLINE]agent: Sorry, but you can not do that. You can, however, tranfer the ownership of that vehicle, of course.[NEWLINE][BOUNDARY][NEWLINE]user: The proofs for registering, Are they equal to all vehicles?[NEWLINE]agent: Sorry, but they are different for every vehicle. You can present acceptable proofs of ownership or get a proof when you purchase.[NEWLINE][BOUNDARY][NEWLINE]user: You said before the sellere must sign a transfer ownership right?


user: Hey, i was reading about the procedures to buy and sell a vehicle and wanted to know something extra about it.[NEWLINE]agent: Is your doubt aimed to name changing?[NEWLINE]user: Oh, yeah, that one exactly.[NEWLINE]agent: IS your doubt is if you can change the name on the vehicle registration, the answer is no. That applies for the title certificate too. In any case, to get a different name on the registration, you mus transfer the ownership of the vehicle.[NEWLINE][BOUNDARY][NEWLINE]user: Umm, i see you're pretty specific on that one, huh?..If anyone want to have more information on buying a vehicle, what can be used?[NEWLINE]agent: You can refer to the following DMV documents: Let the Buyer Be Aware, and Q&A About your title certificate.[NEWLINE][BOUNDARY][NEWLINE]user: What can you tell me about possible damages to the vehicle?[NEWLINE]agent: IF you're buying, you can go online and check the National Crime Bureau database and see if a vehicle has flood damage. You must be aware that you need the Vehicle Identification Number to do that.[NEWLINE][BOUNDARY][NEWLINE]user: Umm, o.k that's useful information. Heh, say, do you happen to give information to register, i don't know, a snowmobile?[NEWLINE]agent: In fact, yes. You can look for information about that vehicle and how to register it.[NEWLINE]user: Really?, That's nice!..What else can I register with you?[NEWLINE]agent: You can register a boat or an ATV or a trailer.[NEWLINE][BOUNDARY][NEWLINE]user: And for that, where i can get proofs?


user: Hey, I have some questions regarding my application for student aid.[NEWLINE]agent: Of course. Here you can get in-depth information about the FAFSA form and what to expect after you submit your application.[NEWLINE][BOUNDARY][NEWLINE]agent: Would you like to know the trending topics?[NEWLINE]user: Sure, go ahead.[NEWLINE]agent: Are you wondering which school year you should I select if you are applying for a summer session?[NEWLINE]user: Yes, I actually do.[NEWLINE][BOUNDARY][NEWLINE]user: How do I get started with that?[NEWLINE]agent: Getting Started![NEWLINE][BOUNDARY][NEWLINE]user: So which steps should I take after filling out the application form?[NEWLINE]agent: We can help you with what happens after you submit your FAFSA form.[NEWLINE]user: And how do I check the status of my FAFSA form?


user: I have a question about the FAFSA program.[NEWLINE]agent: I can provide you with information about the FAFSA form and what to expect after you submit your application.[NEWLINE][BOUNDARY][NEWLINE]agent: Have you familiarized yourself with the information provided on the website?[NEWLINE]user: Not really.[NEWLINE][BOUNDARY][NEWLINE]agent: Did you have a specific question that you didn't find the answer for?[NEWLINE]user: I'm not sure what I need.[NEWLINE][BOUNDARY][NEWLINE]user: I've read the information but I need to know... what happens after I fill in the form?[NEWLINE]agent: Section [15] will provide that information for you.[NEWLINE]user: And where do I find information on how to start the process?[NEWLINE]agent: Section [12] should cover that.[NEWLINE]user: Is there a section specifically for parents?


user: I need further information in relation to the Free Application for Federal Student Aid (FAFSA). What can I do?[NEWLINE]agent: When you submit your Federal Student Aid application, you will receive more in-depth information about the FAFSA form and what to expect[NEWLINE][BOUNDARY][NEWLINE]user: Are there any trending topics available in regard to FAFSA?[NEWLINE]agent: Are you applying for a summer session through FAFSA?[NEWLINE]user: No, I'm not in that category[NEWLINE]agent: Do you remember your FSA ID username and password or have you forgotten these?[NEWLINE]user: I don't remember either my username or my password, can you help me with this?[NEWLINE][BOUNDARY][NEWLINE]user: Is there anywhere that I can find answers to common questions that FAFSA filers have?[NEWLINE]agent: On our website, you will find further information regarding filing for FAFSA, where you will find answers to the majority of your queries[NEWLINE][BOUNDARY][NEWLINE]user: What is exactly contained within the Trending topics section of the FAFSA website?[NEWLINE]agent: null[NEWLINE][BOUNDARY][NEWLINE]user: Is there a help section applicable to parents who will be working on FAFSA forms?


user: I came here because I have some questions about the FAFSA process.[NEWLINE]agent: Then you're in the right place. Here you can get in-depth information about the FAFSA form and what to expect after you submit your application.[NEWLINE][BOUNDARY][NEWLINE]agent: Do you want to know more about the trending topics?[NEWLINE]user: No, thank you.[NEWLINE][BOUNDARY][NEWLINE]agent: Haven't you found what you were looking for on our website?[NEWLINE]user: Yes, I couldn't find what I was looking for. That's why I'm here.[NEWLINE][BOUNDARY][NEWLINE]user: When can I expect to hear from my colleges about my financial aid package?[NEWLINE]agent: When can I expect to hear from my colleges about my financial aid package?[NEWLINE][BOUNDARY][NEWLINE]user: What is a common issue with the FSA ID?[NEWLINE]agent: For example if you have received an error that your name, date of birth, and Social Security number listed on my FAFSA form do not match my FSA ID.[NEWLINE][BOUNDARY][NEWLINE]user: Do you have a section for parents on your website?


user: Where do I go if I have unanswered questions about the FAFSA process?[NEWLINE]agent: After you submit your application to FAFSA, you will get in-depth information about the form and what you should expect in the future[NEWLINE][BOUNDARY][NEWLINE]user: Are there any trending topics that I should consult within the FAFSA help section of the website?[NEWLINE]agent: Are you applying for a summer session through FAFSA or is this applicable to you?[NEWLINE]user: Yes, I am currently applying for a summer session in my school of choice[NEWLINE][BOUNDARY][NEWLINE]user: Is there a section on the FAFSA website that gives help to parents through the FAFSA process?[NEWLINE]agent: Yes, there is a specfic section dedicated to parents and any help they may need through the process[NEWLINE]user: I have a sibling already in college, is there any help that can be given to my parents for this particular circumstance?[NEWLINE][BOUNDARY][NEWLINE]user: After I have completed the FAFSA application form, what happens next?[NEWLINE]agent: null[NEWLINE][BOUNDARY][NEWLINE]user: How do I get started with the FAFSA application form?


user: I have some questions about the FAFSA process.[NEWLINE]agent: You can get in-depth information about the FAFSA form and what to expect after you turn in your application.[NEWLINE][BOUNDARY][NEWLINE]user: What are some trending topics?[NEWLINE]agent: One such topic is which school year should I select if I am applying for a summer session, is this helpful to you?[NEWLINE]user: Yes, this is the topic I need help with.[NEWLINE][BOUNDARY][NEWLINE]user: Are there common questions I can get answered as a FAFSA filer?[NEWLINE]agent: yes, we can answer a lot of questions you have about FAFSA.[NEWLINE][BOUNDARY][NEWLINE]user: Can I get help with the FAFSA process before I begin?[NEWLINE]agent: Yes, we can help you with the FAFSA process before you begin.[NEWLINE][BOUNDARY][NEWLINE]user: Can you tell me the next steps after the FAFSA form?[NEWLINE]agent: Yes, we can give help with what happens after you submit your FAFSA form.[NEWLINE][BOUNDARY][NEWLINE]user: How can I get help using the FSA ID?


user: I need to know more about the FAFSA process.[NEWLINE]agent:  You can get in-depth information about the FAFSA form and what to expect after you submit the form.[NEWLINE][BOUNDARY][NEWLINE]agent: Do you want to know what are some of the trending topics about the FAFSA process?[NEWLINE]user: Not at this moment.[NEWLINE][BOUNDARY][NEWLINE]agent:  Were you able to find what you are looking for on our website?[NEWLINE]user: Not really, I still have some doubts.[NEWLINE][BOUNDARY][NEWLINE]user: What useful info can I get from the website?[NEWLINE]agent: You could, for example, get information about what steps to follow after the FAFSA form.[NEWLINE][BOUNDARY][NEWLINE]user: What kind of info would that be?[NEWLINE]agent: You can know what to expect after submitting your FAFSA form.[NEWLINE][BOUNDARY][NEWLINE]user: ok, anything else?


user: I'm having some issues understanding the federal student aid application process. Maybe you can help me.[NEWLINE]agent: Of course. Here you can get in-depth information about the FAFSA form and what to expect after you submit your application.[NEWLINE][BOUNDARY][NEWLINE]user: Great. So what are the frequently asked questions here?[NEWLINE]agent: Do you wish to know which school year should you select if you are applying for a summer session?[NEWLINE]user: Nah, I know that already.[NEWLINE]agent: Do you want to know what to do if you forgot your FSA ID username and password?[NEWLINE]user: No, thank you.[NEWLINE]agent: Do you want to know what are the deadlines for filling out the FAFSA form?[NEWLINE]user: Oh damn. There is a deadline? Yes, please tell me more about that.[NEWLINE][BOUNDARY][NEWLINE]user: Parents?[NEWLINE]agent: Yes, parents.[NEWLINE][BOUNDARY][NEWLINE]user: Can you explain how I can do all these things I need to do?


user: I need to know how to prepare for college.[NEWLINE]agent: You should first define your goals and interest and be sure to know the costs and how to plan financially and academically for college.[NEWLINE]user: Is there something I can use as a guide to get ready for it?[NEWLINE]agent: you can use our checklist to get ready financially and academically.[NEWLINE]user:  Any other tip?[NEWLINE]agent: Be sure to check out the reasons to attend a College or Career schools.[NEWLINE]user: Ok, that sounds good. Can you give me more tips?[NEWLINE]agent: Another thing to take into consideration is to explore your career options.[NEWLINE][BOUNDARY][NEWLINE]user: Tell me more about career options.[NEWLINE]agent: Just know that it's never too la early or too late to explore your career options and that we can guide you through some key steps in preparing for college.[NEWLINE][BOUNDARY][NEWLINE]user: and what about some resources for parents of students?[NEWLINE]agent: Are you a parent planning your child's higher education?[NEWLINE]user: Actually, yes.


user: why should I go to school?[NEWLINE]agent: A college education = more money, more job options, and more freedom.[NEWLINE]agent: Would you like to look at a chart that shows how you make more money as you get more education?[NEWLINE]user: yeah[NEWLINE]agent: I will give you the link to the chart[NEWLINE][BOUNDARY][NEWLINE]user: Is there anything my parents can look at to plan ahead?[NEWLINE]agent: They can look at our resources for parents to learn more about saving early, finding tax breaks, and understanding parent loans to help support a child's college journey.[NEWLINE][BOUNDARY][NEWLINE]user: any more resources for the parents?[NEWLINE]agent: Yes we can give you more resources for the parents[NEWLINE][BOUNDARY][NEWLINE]user: what else do I need to do to prepare for school?[NEWLINE]agent: Our checklists will walk you through the steps you can take to find and get into the college that’s right for you and help you learn how to prepare financially.[NEWLINE]user: how early should I start preparing?


user: I need help preparing for college.[NEWLINE]agent: You can start preparing for college by defining your goals and interests. You need to understand college costs and how to plan financially and academically.[NEWLINE][BOUNDARY][NEWLINE]user:  Are there any resources for parents of students?[NEWLINE]agent: Yes. Are you a parent planning your child's higher education?[NEWLINE]user: No, not really.[NEWLINE][BOUNDARY][NEWLINE]user: What about any resources for students?[NEWLINE]agent: well, there's our College Preparation Checklist always available to use.[NEWLINE][BOUNDARY][NEWLINE]user: what are the terms I can choose from when deciding for a college school?[NEWLINE]agent: You can choose between a two-year community and junior colleges or a four-year college and university.[NEWLINE][BOUNDARY][NEWLINE]user:  Any advice on how to improve my chances to get funding and get into a good school?


user: I was wondering why I should attend a college. Can you tell me why it would be a good idea?[NEWLINE]agent: Of course. You can also follow this link to learn more.[NEWLINE]agent: Did you take a look at the chart below?[NEWLINE]user: No, and I'm not here to read charts.[NEWLINE][BOUNDARY][NEWLINE]user: Can you tell me how I can explore my career options?[NEWLINE]agent: Yes, simply follow this link to learn more about it.[NEWLINE]user: I really love animals. Do my preferences and hobbies matter when picking a career?[NEWLINE]agent: Absolutely. We can help you find possible careers to match your interests.[NEWLINE][BOUNDARY][NEWLINE]user: My dad just asked if you perhaps have some information for him about all this.[NEWLINE]agent: Yes, we also have resources for parents of students.[NEWLINE][BOUNDARY][NEWLINE]user: Awesome. So can you please help me find a career? Please?


user: Hello, I need some help exploring my career options.[NEWLINE]agent: Of course. You can check out the following link for more information.[NEWLINE]agent: Do you love working with animals?[NEWLINE]user: No, I'm afraid of bigger animals.[NEWLINE]agent: How about computers?[NEWLINE]user: No, I'm not good with technology.[NEWLINE][BOUNDARY][NEWLINE]user: Do you know where I can learn about budgeting?[NEWLINE]agent: Yes, you can use this link here to learn more about budgeting.[NEWLINE][BOUNDARY][NEWLINE]user: Ah, I see. And what kind of college options do I have to pick from?[NEWLINE]agent: You have a variety of college options, from two-year community and junior colleges, to four-year colleges and universities, to technical, vocational, and trade schools.[NEWLINE][BOUNDARY][NEWLINE]user: Great. I've also seen some checklists on the website. What are they good for?


user: Can you give me advice on how to prepare for college?[NEWLINE]agent: You can start by defining your goals and interest and you need to understand college costs and how to plan financially and academically for it.[NEWLINE]user: thanks, anything else?[NEWLINE]agent: You can check out the reasons to attend a College or Career School.[NEWLINE][BOUNDARY][NEWLINE]user: What resources are available for parents of students?[NEWLINE]agent: Are you planning your child's higher education?[NEWLINE]user: No, I was just curious.[NEWLINE][BOUNDARY][NEWLINE]user: Is there any resource available to help me get ready financially and academically?[NEWLINE]agent: You can use our checklists.[NEWLINE][BOUNDARY][NEWLINE]user: Why should I decide attend a career or a college school?


user: Is there any career information that you can give me, I'm currently exploring all the different options that are available to me[NEWLINE]agent: I am going to share a link with you that will bring you to a lot of information in this regard[NEWLINE]user: Is there a particular career that I could pursue if I love working with animals?[NEWLINE]agent: You will be able to find all possible careers on the link that I will share with you[NEWLINE][BOUNDARY][NEWLINE]user: Where can I learn about budgeting for college and what I should do?[NEWLINE]agent: I can share a link with you that will give you a lot of information about this particular subject[NEWLINE][BOUNDARY][NEWLINE]user: I want to find out if it will be worth my while going to college or not, or if I should take a job straight from school, is this something you could help me with?[NEWLINE]agent: College education is a long term investment and when planned carefully, can lead to success by choosing the correct school and funding options that suit you best[NEWLINE][BOUNDARY][NEWLINE]user: Is there any information you could give me regarding resources that there are for the parents of students?[NEWLINE]agent: Are you a parent of a child that will be attending college shortly or in the near future?[NEWLINE]user: Yes, I am in that category


user: I  came here to know why I should attend a college.[NEWLINE]agent: First you should look at this link here.[NEWLINE]agent: Have you taken a look at the chart below?[NEWLINE]user: Yes, I already saw it.[NEWLINE]agent: As you can see on it, more education equals more money.[NEWLINE]user: So if I study at a college, I earn more money later on?[NEWLINE]agent: Correct. A college education is a long-term investment. You can find the school and funding options that work best for your situation and put you on the path to success.[NEWLINE][BOUNDARY][NEWLINE]user: I see. You convinced me. So what should I do to prepare for college?[NEWLINE]agent: There's so much to consider when it comes to getting ready for college: where to go, what to study, how to apply, how to pay for it all, and more.[NEWLINE][BOUNDARY][NEWLINE]user: Do you have any information I could show to my parents?[NEWLINE]agent: Sure. You can review our resources for parents to learn more about saving early, finding tax breaks, and understanding parent loans to help support your child's college journey.[NEWLINE][BOUNDARY][NEWLINE]user: But I'm already 28 years old, isn't that too late for college?


user: what can you tell me about Returning IDR Applicants[NEWLINE]agent: Do I file an annual recertification of your income?[NEWLINE]user: yes[NEWLINE]agent: To re - certify for your existing income - driven repayment plan you must provide updated information about your income and family size annually[NEWLINE]user: it's not my case[NEWLINE][BOUNDARY][NEWLINE]user: If I income or family size has changed[NEWLINE]agent: you can request that your income - driven payment be re - calculated to reduce your current monthly payment[NEWLINE][BOUNDARY][NEWLINE]user: What is Income-Driven Repayment?[NEWLINE]agent: Income - driven repayment IDR plans are designed to make your student loan debt more manageable by reducing your monthly payment amount[NEWLINE][BOUNDARY][NEWLINE]user: Switch my current plan to a new plan


user: can you tell me what is income based payment?[NEWLINE]agent: Income-driven IDR payment plans are designed to make your student loan debt more manageable by reducing the amount of your monthly payment.[NEWLINE]agent: Do you need to make lower monthly payments?[NEWLINE]user: yes[NEWLINE]agent: one of the following income-based plans may be right for you[NEWLINE][BOUNDARY][NEWLINE]user: Who should complete this?[NEWLINE]agent: Borrowers who are not currently on an IDR plan looking for a lower monthly payment on their federal student loans[NEWLINE][BOUNDARY][NEWLINE]user: which plan is more suitable for me?[NEWLINE]agent: Pay what you earn PAYE payment plan[NEWLINE][BOUNDARY][NEWLINE]user: What do I do if my income has changed?[NEWLINE]agent: you can request that your income-based payment be recalculated to reduce your current monthly payment[NEWLINE][BOUNDARY][NEWLINE]user: is there another plan that could help me


user: hello i would like to get information about new applicants[NEWLINE]agent: Not currently on an income-based plan and want to apply for one?[NEWLINE]user: yes[NEWLINE]agent: You can request an income-based payment plan that limits your payments to a percentage of your income.[NEWLINE]user: and how do I start this process?[NEWLINE]agent: you just need to SIGN IN TO GET STARTED[NEWLINE][BOUNDARY][NEWLINE]user: How do I calculate my payment if my income has changed?[NEWLINE]agent: you can request that your income-based payment be recalculated to reduce your current monthly payment[NEWLINE][BOUNDARY][NEWLINE]user: Who should complete this?[NEWLINE]agent: Borrowers currently on an IDR Plan who need to recertify or make changes to their repayment plan.[NEWLINE][BOUNDARY][NEWLINE]user: What plan could be suitable for me?


user: hello i would like to get information about new applicants[NEWLINE]agent: not currently on an income-based plan and want to apply for one?[NEWLINE]user: yes[NEWLINE]agent: You can request an income-based payment plan that limits your payments to a percentage of your income[NEWLINE][BOUNDARY][NEWLINE]user:   What plan could be suitable for me?[NEWLINE]agent: East: Income - Contingent Repayment Plan ICR Plan[NEWLINE][BOUNDARY][NEWLINE]user: How do I calculate my payment if my income has changed?[NEWLINE]agent: you can request that your income-based payment be recalculated to reduce your current monthly payment[NEWLINE][BOUNDARY][NEWLINE]user: Who should complete this?[NEWLINE]agent: Borrowers who are not currently on an IDR plan looking for a lower monthly payment on their federal student loans[NEWLINE][BOUNDARY][NEWLINE]user: Is there a repayment plan?


user: what can you tell me about Returning IDR Applicants[NEWLINE]agent: I file an annual recertification of your income[NEWLINE]user: not[NEWLINE][BOUNDARY][NEWLINE]agent: you want to Recalculate your monthly payment[NEWLINE]user: yes[NEWLINE]agent: your income or family size has changed[NEWLINE]user: yes[NEWLINE]agent: you can request that your income - driven payment be re - calculated to reduce your current monthly payment[NEWLINE]user: can I recalculate my monthly payment[NEWLINE]agent: yes, LOG IN TO START[NEWLINE][BOUNDARY][NEWLINE]user:  Preview a read - only version of the complete form


user: what can you tell me about Returning IDR Applicants[NEWLINE]agent: I file an annual recertification of your income[NEWLINE]user: not[NEWLINE][BOUNDARY][NEWLINE]agent: you want to recalculate your monthly payment[NEWLINE]user: yes[NEWLINE]agent: your income or family size has changed[NEWLINE]user: not[NEWLINE][BOUNDARY][NEWLINE]user: Who should complete this?[NEWLINE]agent:  Borrowers not currently on an IDR Plan who are seeking a lower monthly payment on their federal student loans and[NEWLINE][BOUNDARY][NEWLINE]user: Switch my current plan to a new plan


user: how to apply for income-based student loan repayment[NEWLINE]agent: Are you currently on an income-based plan and want to apply?[NEWLINE]user: yes[NEWLINE]agent: You can apply for an income - driven repayment plan that limits your payments to a percentage of your income[NEWLINE][BOUNDARY][NEWLINE]user: what can you tell me about Returning IDR Applicants[NEWLINE][BOUNDARY][NEWLINE]agent: Presento una recertificación anual de sus ingresos[NEWLINE]user: not[NEWLINE][BOUNDARY][NEWLINE]agent: you want to Recalculate your monthly payment[NEWLINE]user: not[NEWLINE][BOUNDARY][NEWLINE]agent: want to change your current plan to a new one


user: what can you tell me about new applicants for income-based student loan repayment[NEWLINE]agent: Don't currently have an income-based plan and want to apply?[NEWLINE]user: not[NEWLINE][BOUNDARY][NEWLINE]user: Who should complete this?[NEWLINE]agent: Borrowers currently on an IDR Plan who need to re - certify or make changes to their repayment plan[NEWLINE][BOUNDARY][NEWLINE]user: may I Submit annual re-certification of my income[NEWLINE]agent:  yes, LOG IN TO START[NEWLINE][BOUNDARY][NEWLINE]user: What is Income-Driven Repayment?[NEWLINE]agent: Pay As You Earn Repayment Plan PAYE[NEWLINE][BOUNDARY][NEWLINE]user: If I income or family size has changed


user: What is a student loan deferment for?[NEWLINE]agent: You won't have to make a payment on deferment but you probably won't be making any progress toward forgiveness or paying back your loan.[NEWLINE]user: Are there any alternatives to a deferment?[NEWLINE]agent: Yes, you might want to think about an income-driven repayment plan.[NEWLINE][BOUNDARY][NEWLINE]user: What will happen if I stop making payments and my deferment has not been approved yet?[NEWLINE]agent: Actually, your loan will become what we call delinquent and you may be considered into default.[NEWLINE][BOUNDARY][NEWLINE]user: What if I am in the military service or post-active duty, can I get a student deferment?[NEWLINE]agent: Would you like to know Are you eligible for deferment because you are in the military?[NEWLINE]user: Yes, I am in the military.[NEWLINE]agent: Are you on active duty right now?[NEWLINE]user: Yes, I am active duty military.[NEWLINE]agent: Then you may be eligible for the deferment for military service.[NEWLINE][BOUNDARY][NEWLINE]user: Why would I have to complete DirectPlus Loan request for deferment?


user: What student loan types are eligible for deferment?[NEWLINE]agent: Direct Loan, FFEL Program loan, and Perkins Loan borrowers are allowed deferments.[NEWLINE]agent: Have you received a Perkins Loan?[NEWLINE]user: No I have not used a Perkins Loan.[NEWLINE]user: What happens if I stop paying and my deferment is not approved?[NEWLINE]agent: Your loan will be considered delinquent and then go into default.[NEWLINE][BOUNDARY][NEWLINE]user: What is important to know about in school deferment?[NEWLINE]agent: It is important for you to understand what happens when you are attending school and the deferment process during that time.[NEWLINE]user: Should I contact the school I am enrolled at to start the deferment process?[NEWLINE]agent: Yes, you should contact the school you are enrolled in because they will report the info about your enrollment status so you will be placed into deferment.[NEWLINE][BOUNDARY][NEWLINE]user: What are income-driven repayment plans?


user: What loan types are eligible for Deferment?[NEWLINE]agent: Deferments are available for Direct Loan, FFEL Program Loan, and Perkins Loans.[NEWLINE]agent: Do you have a Perkins Loan?[NEWLINE]user: No I have not received a Perkins Loan.[NEWLINE]user: What will happen if I stop paying and my deferment is not approved?[NEWLINE]agent: Your loan will be delinquent and you could go into default.[NEWLINE][BOUNDARY][NEWLINE]user: What if I am in the military and want a deferment?[NEWLINE]agent: You will have to complete the Military Service and Post-Active Duty Student Deferment Request.[NEWLINE][BOUNDARY][NEWLINE]user: What if I have an economic hardship?[NEWLINE]agent: You will need to complete the Economic Hardship Deferment Request.[NEWLINE][BOUNDARY][NEWLINE]user: Could income-driven plans provide loan forgiveness?


user: What loan types can get deferments?[NEWLINE]agent: If you have a Direct Loan, FFEL Program loan, or a Perkins Loan you can apply for a deferment.[NEWLINE]agent: Did you receive a Perkins Loan?[NEWLINE]user: Yes, I have a Perkins Loan.[NEWLINE]agent: Then you are also eligible for a deferment while you are working toward cancellation on your Perkins Loans.[NEWLINE]user: What will happen if I stop paying while my deferment is not approved?[NEWLINE]agent: You loan will be considered delinquent and you might go into default.[NEWLINE][BOUNDARY][NEWLINE]user: Will I be responsible for paying the interest while on deferment?[NEWLINE]agent: Yes, you might still be responsible for paying the interest that accrues during the deferment and you can look at the tables below to show when you are responsible for the interest based on loan type.[NEWLINE][BOUNDARY][NEWLINE]user: Do I need to complete the Parent PLUS Borrower Deferment Request?[NEWLINE]agent: Yes, you would need to since you are the parent requesting the deferment.[NEWLINE][BOUNDARY][NEWLINE]user: Could I be qualified for a Rehabilitation Training Deferment?


user: What are the loan types eligible for deferment?[NEWLINE]agent: Those are Direct Loan, FFEL Program loan, and Perkins Loan borrowers.[NEWLINE]agent: Have you received a Perkins loan?[NEWLINE]user: Yes, I have.[NEWLINE]agent: Then you can also be eligible for a deferment while you are working to fully pay your Perkins Loan.[NEWLINE][BOUNDARY][NEWLINE]user:  And about Parent PLUS borrower deferment?[NEWLINE]agent: parents who received a Direct PLUS Loan to help pay their child's education and whose child is enrolled at least half-time at an eligible college or career school, may qualify for this deferment.[NEWLINE][BOUNDARY][NEWLINE]user:  What could happen to my requested deferment if I stop paying my student loan?[NEWLINE]agent: if you stop paying your loan before you've been notified that your request for deferment has been granted then your deferment will not be approved and your loan will become delinquent and you may go into default.[NEWLINE][BOUNDARY][NEWLINE]user: and what if I'm eligible for the deferment and rolled for at least half-time?[NEWLINE]agent: In most cases, your loan will automatically be placed into a deferment based on enrollment information reported by your school.[NEWLINE]user: How will I know if my deferment is granted?


user: Is a student loan deferment something that would help me if I need additional time to make my payments?[NEWLINE]agent: If you choose to use a deferment you will not have to make a payment, but you also probably won't be making any progress toward forgiveness or paying back  your loan.[NEWLINE]user: Is there an alternative solution to a student loan deferment?[NEWLINE]agent: You might want to consider income-driven repayment.[NEWLINE][BOUNDARY][NEWLINE]user: What is the eligibility criteria for a deferment?[NEWLINE]agent: Do you think that you may qualify for a Hardship Deferment?[NEWLINE]user: How do I find out if I qualify for that Hardship Deferment?[NEWLINE]agent: Are you receiving any sort of welfare?[NEWLINE]user: I am not receiving any sort of welfare at all.[NEWLINE]agent: Are you working full-time with earnings that would fall below 150% of the poverty guideline for your family size and state of residence?[NEWLINE]user: I am not working full-time as I am a student.[NEWLINE]agent: Are you serving in the Peace Corps?[NEWLINE]user: I am not.  I am simply a full-time student.


user: What loan types are available for deferment?[NEWLINE]agent: The loans available for deferment are Direct Loan, FFEL Program Loan, and Perkins Loan Borrowers.[NEWLINE]agent: Did you receive a Perkins Loan?[NEWLINE]user: Yes, I currently have a Perkins Loan.[NEWLINE]agent: Then you may be eligible for a deferment while you are working toward a cancellation on your Perkins Loan.[NEWLINE]user: What if I no longer meet the deferment eligibility requirements?[NEWLINE]agent: You actually can receive a six month post deferment grace period.[NEWLINE]user: What will happen if my deferment is not approved and I stop paying?[NEWLINE]agent: Your loan will be considered delinquent and will probably go into default.[NEWLINE][BOUNDARY][NEWLINE]user: What should I do if I can't make a payment for my student loan?[NEWLINE]agent: It is in your best interest to call your student loan service immediately when you are having trouble making your payment.[NEWLINE][BOUNDARY][NEWLINE]user: What happens with an In-School deferment?


user: What is a student loan deferment?[NEWLINE]agent: With a student loan deferment you won't have to make a payment but it does not help you pay back your loan, so you should see if it is the best option for you.[NEWLINE]user: Are there any alternatives to a deferment?[NEWLINE]agent: Yes, you could always consider an income-driven repayment.[NEWLINE]user: Does it help make progress to loan forgiveness if I do a deferment?[NEWLINE]agent: In majority of the cases it does not help make any progress to loan forgiveness.[NEWLINE][BOUNDARY][NEWLINE]agent: Would you like some relief with lower payments through Income-Driven Repayment Plan?[NEWLINE]user: I have not decided yet.[NEWLINE][BOUNDARY][NEWLINE]agent: Do you realize interest accrues during deferment?[NEWLINE]user: Yes, I am aware interest will accrue during the deferment period.[NEWLINE]agent: Do you know what happens if you are granted the deferment?


user: Hi, Could you please give me information about the student loan deferment program.[NEWLINE]agent: Yes I can give you further information about the program. If you qualify for the deferment you won't have to make a payment on your loan but if you use this option you probably won't be making any progress toward paying back your loan.[NEWLINE]agent: Have you considered any of the other alternatives that are available to you?[NEWLINE]user: No I have not.[NEWLINE][BOUNDARY][NEWLINE]user: :How do I go about getting a Parent PLUS Borrower Deferment?[NEWLINE]agent: To apply for the Parent PLUS Borrower Deferment you will have to complete the Parent PLUS Borrower Deferment request.[NEWLINE][BOUNDARY][NEWLINE]user: What loans qualify for non payment during the post-deferment grace period?[NEWLINE]agent: There are several loan types that are eligible for deferment. One of them is the FFEL Program loan.[NEWLINE][BOUNDARY][NEWLINE]user: Is there any help for persons in the military service?[NEWLINE]agent: Are you on active military service at the moment?[NEWLINE]user: No I am not.[NEWLINE]agent: Have you completed any military service at all?[NEWLINE]user: No I have never done any military service.


user: Hey there, i'm in some situation and have to do something about my student loan. I heard i could deferment it, but i need guidance. Can you help me there, please?[NEWLINE]agent: You did right. It could be some considerations to be done before you choose a to do a deferment. With a deferment, you won't have to make any payment for your loan, but equally, any progress to pay back your loan will be halted, so it could be a risky choice.[NEWLINE]user: Umm, yeah, and that could be bad. Can you give me an alternative to that, then?[NEWLINE]agent: Of course, no problem with that. You can always consider to use an income-driven repayment as a more healthy alternative, so you don't have to delay your payments.[NEWLINE][BOUNDARY][NEWLINE]user: Well, that certainly looks like an alternative. I'm not saying anything, but, if i really need a deferment, you know, because my economy, can i get one?[NEWLINE]agent: Well, if you qualify under certain circumstances, indeed you can get a deferment. I have to ask then, Are you receiving welfare benefits right now?[NEWLINE]user: No, i'm not on any of those plans right now.[NEWLINE]agent: Good. Next, then. Are you working full time, but happens that your earnings are below 150% of the poverty guideline, based on your family size and state of residence?[NEWLINE]user: Thank God, no. I'm not employed right now, but my family are well for now.[NEWLINE]agent: That's good. Lastly, Are you by any chance, serving on the peace corps?[NEWLINE]user: No, sorry, but no. I've never been on service for any group like that.


user: I need help with student loan deferment[NEWLINE]agent: I can help you find out if a deferment is the best option for your situation[NEWLINE]agent: Would you like to know about an alternative if that is not for you?[NEWLINE]user: not right now[NEWLINE][BOUNDARY][NEWLINE]user: can you tell me if I can get deferment for economic reasons?[NEWLINE]agent: Would you like to see if you qualify for an Economic Hardship Deferment?[NEWLINE]user: yes[NEWLINE]agent: Are you receiving a means-tested benefit like welfare?[NEWLINE]user: no I'm not[NEWLINE]agent: Do you work full-time but have earnings that are below 150% of the poverty guideline for your family size and state of residence?[NEWLINE]user: no don't think so[NEWLINE]agent: Are you serving in the Peace Corps?[NEWLINE]user: no, not serving in anything


user: Can you tell me anything about direct PLUS loans?[NEWLINE]agent: Sure, Direct PLUS Loans are federal loans that parents can use to help pay the college of their dependant undergraduate children. These loans can help pay expenses not covered by other financial aid.[NEWLINE]agent: Are you interested in applying for a loan?[NEWLINE]user: Not right now.[NEWLINE][BOUNDARY][NEWLINE]user: But I want to know about the repayment plans.[NEWLINE]agent: One of the repayment plans for Parent PLUS borrowers is the Extended Repayment Plan.[NEWLINE][BOUNDARY][NEWLINE]user: What if I have an adverse credit history, can I still apply for a parent PLUS loan?[NEWLINE]agent: During the application process, a credit check is performed and if you have an adverse credit history you still can apply for a parent PLUS loan through a couple of options.[NEWLINE]agent: Do you currently have an adverse credit history?[NEWLINE]user: Yes, I do.


user: Good day. I have some questions regarding the direct plus loan. It'd be kind of you if you answered them for me.[NEWLINE]agent: Of course. PLUS loans can help pay for education expenses not covered by other financial aid.[NEWLINE]agent: Are you looking to apply?[NEWLINE]user: Yes, that was my plan.[NEWLINE]agent: You can use the online application to apply for a parent PLUS loan.[NEWLINE][BOUNDARY][NEWLINE]user: Are you seeking Public Service Loan Forgiveness?[NEWLINE]agent: a[NEWLINE][BOUNDARY][NEWLINE]user: a[NEWLINE]agent: a[NEWLINE][BOUNDARY][NEWLINE]user: a[NEWLINE]agent: a[NEWLINE][BOUNDARY][NEWLINE]user: a[NEWLINE]agent: a


user: I need information about the direct PLUS loans.[NEWLINE]agent: The direct PLUS Loans are federal loans that can help you pay for education expenses not covered by other financial aid.[NEWLINE]agent: Do you want to apply?[NEWLINE]user: Not at the moment.[NEWLINE][BOUNDARY][NEWLINE]user: How can I get a public service loan forgiveness?[NEWLINE]agent: To get one you need to repay your loans under an income-driven repayment plan.[NEWLINE][BOUNDARY][NEWLINE]user: What is the interest rate for Direct PLUS Loans?[NEWLINE]agent: for loans disbursed on or after July 1, 2019, the interest rate is 7.08% which is a fixed interest rate for the life of the loan.[NEWLINE][BOUNDARY][NEWLINE]user: Can you tell me where can I get info about the parent PLUS loans I've received?[NEWLINE]agent: You can visit My Aid to get information about all the federal student loans and other financial aid you've received.[NEWLINE][BOUNDARY][NEWLINE]user: What should I be aware of after receiving a parent PLUS loan?


user: What are Direct Plus Loans?[NEWLINE]agent: Direct Plus Loans are federal loans that parents of dependent undergraduate students can use to help pay for college or career school which help pay for education expenses not covered by financial aid.[NEWLINE]agent: Are you looking to apply?[NEWLINE]user: No not at this time.[NEWLINE][BOUNDARY][NEWLINE]user: When can I can my loan after it is disbursed?[NEWLINE]agent: You may cancel all or part of the loan within certain time frames and the information you receive along with your promissory note will explain the procedures and the time frames for cancelling your loans.[NEWLINE][BOUNDARY][NEWLINE]user: Is there a possibility that my loan can be forgiven or discharged?[NEWLINE]agent: Only under certain conditions can you have all or some of the loan discharged or forgiven.[NEWLINE]agent: Are you seeking Public Service Loan Forgiveness?[NEWLINE]user: Yes, I am seeking Public Service Loan Forgiveness.


user: I'm here to learn more about direct plus loans. What can you tell me?[NEWLINE]agent: PLUS loans can help pay for education expenses not covered by other financial aid.[NEWLINE]user: a[NEWLINE]agent: a[NEWLINE][BOUNDARY][NEWLINE]user: a[NEWLINE]agent: a[NEWLINE]user: a[NEWLINE]agent: a[NEWLINE]user: a[NEWLINE]agent: a[NEWLINE]user: a[NEWLINE]agent: a[NEWLINE][BOUNDARY][NEWLINE]user: a


user: You can help me with Direct PLUS loans[NEWLINE]agent:  Okay, PLUS loans can help pay for education expenses not covered by other financial aid[NEWLINE]agent: Do you want to apply for a loan?[NEWLINE]user: not yet, I want to learn more before I decide[NEWLINE][BOUNDARY][NEWLINE]user: If we go with a PLUS loan will the application be the same for all schools for a parent loan?[NEWLINE]agent: When you use our site to apply for a loan it will tell you about the application process for the school you have selected.  You can also check with the school’s financial aid office to find out how to request a parent PLUS loan.[NEWLINE]user: and if it is different I can just do it with the school?[NEWLINE]agent: The school's financial aid office can help you request a parent PLUS loan[NEWLINE][BOUNDARY][NEWLINE]user: what can help me get a loan if I have bad credit?[NEWLINE]agent: One thing you can do is get an endorser who does not have an adverse credit history. An endorser is someone who agrees to repay the parent PLUS loan if you do not repay it.[NEWLINE][BOUNDARY][NEWLINE]user: do we do the application online or go to the school?


user: I wanted to apply for a direct plus loan, but need some information.[NEWLINE]agent: a[NEWLINE]agent: a[NEWLINE]user: a[NEWLINE]agent: a[NEWLINE][BOUNDARY][NEWLINE]user: a[NEWLINE]agent: a[NEWLINE][BOUNDARY][NEWLINE]user: a[NEWLINE]agent: a[NEWLINE]user: a[NEWLINE]agent: a[NEWLINE]user: a[NEWLINE]agent: a[NEWLINE]user: a


user: I want to know about Direct PLUS loans.[NEWLINE]agent: Direct PLUS loans are federal loans that you can use to help pay for education expenses not covered by other financial aid.[NEWLINE]agent:  Are you looking to apply for a Direct PLUS Loan?[NEWLINE]user: Not right now.[NEWLINE][BOUNDARY][NEWLINE]user:  What I want to know is where to find information about the parent PLUS loans I've received.[NEWLINE]agent: You can visit My Aid to get information about all of the federal student loans and other financial aid you've received and also get contact information for your loan servicer.[NEWLINE][BOUNDARY][NEWLINE]user: Can I cancel a loan?[NEWLINE]agent: Yes, you can cancel all or part of the loan before the money is disbursed. You just need to notify the school.[NEWLINE]agent: You can also do it after the money is disbursed. Does this interest you?


user: I would like some information about the PLUS Loans program for education.[NEWLINE]agent: PLUS loans are in place to help parents pay for education expenses not covered by other financial aid[NEWLINE]user: And how do I apply for one of these loans?[NEWLINE]agent: There is an online application for you to apply for a parent PLUS loan.[NEWLINE][BOUNDARY][NEWLINE]user: If I do get a PLUS loan and I'm having trouble repaying it, what will happen?[NEWLINE]agent: If you will have trouble making a payment, contact your loan servicer right away. They can help you understand your options for keeping your loan in good standing.[NEWLINE][BOUNDARY][NEWLINE]user: What criteria must I meet to be eligible for this loan?[NEWLINE]agent: Are you either the biological, adoptive parent or stepparent of a dependent undergraduate student enrolled at least half-time at an eligible school?[NEWLINE]user: Yes the biological parent.[NEWLINE]agent: Is your credit rating good?[NEWLINE]user: Yes I have a decent credit rating.[NEWLINE]agent: Do you meet the eligibility requirements for federal student aid?[NEWLINE]user: Yes, I think I do.[NEWLINE]agent: Then you should be a candidate to receive a parent PLUS loan.[NEWLINE][BOUNDARY][NEWLINE]user: You mentioned earlier that my loan agent could help me if I'm having trouble paying. What exactly could he do?


user: Hi, could you please tell me what a Direct PLUS Loan is for?[NEWLINE]agent: This is a loan that parents of dependent undergraduate students can use to help pay for education expenses that are not covered by other financial aid.[NEWLINE]user: I am looking to apply for a loan, how do I go about applying for one.[NEWLINE]agent: It is best if you apply online for a parent PLUS loan.[NEWLINE]user: What do I need to have before I can apply online for a PLUS loan?[NEWLINE]agent: Before you apply it is best if you make sure your child has already filled out the Free Application for Federal Student Aid (FAFSA) form.[NEWLINE][BOUNDARY][NEWLINE]user: What do I have to do to be eligible for a parent PLUS loan?[NEWLINE]agent: To be eligible to receive a parent PLUS loan you must be the biological or adoptive parent of a dependent undergraduate student who is enrolled at an eligible school.[NEWLINE][BOUNDARY][NEWLINE]user: Is there a limit to the amount that I can borrow?[NEWLINE]agent: The maximum loan amount is the cost of attendance at the school your child will attend minus any other financial assistance he or she receives. Remember that the cost of attendance is determined by the school.[NEWLINE][BOUNDARY][NEWLINE]user: What is the interest rate that is charged on the loan?[NEWLINE]agent: For loans that are first disbursed on or after July 1, 2019 and before July 1, 2020 the interest rate is 7.08%.[NEWLINE]user: Thank you


user: Is there any way to learn about college costs and tips to lower cost when going to school?[NEWLINE]agent: Yes, you can learn about college costs and get tips on how to lower costs when you go to school.[NEWLINE][BOUNDARY][NEWLINE]user: Are there any suggestions to lower the cost of college?[NEWLINE]agent: Yes, we have some suggestions on how you might be able to lower the cost of college.[NEWLINE]agent: Do you know that for many suggestions you will want to follow up with the college?[NEWLINE]user: Yes, I understand that will many of these suggestions I will have to follow through with the colleges.[NEWLINE]agent: Glad to know that you understand this process with following through with the college.[NEWLINE]user: What should I do with a budget?[NEWLINE]agent: You should set a budget and stick to it because having a budget will help you compare anticipated college expenses against your potential income and financial aid.[NEWLINE]user: What if I live off campus?[NEWLINE]agent: You could save money by sharing a house or apartment with multiple housemates to cut down the cost of rent, and carpool to save on gas and parking.[NEWLINE]user: What is the process of charging for credits taken?


user: I'm looking for information, specifically in regard to college and career school costs, do they differ or vary much from college to college?[NEWLINE]agent: We have a specific section on our website where you can find answers to any queries you may have in relation to college costs. You can also find tips in this section on how to lower your costs when you do eventually go to school[NEWLINE][BOUNDARY][NEWLINE]user: Are there any colleges or career schools that offer discounts on tuition and if so, what are the criteria?[NEWLINE]agent: Are you the child of a parent that attended the school that you are applying for?[NEWLINE]user: Yes, my parents attended the same school that I am applying for[NEWLINE]agent: null[NEWLINE]user: Is there any health care benefit applicable to me if I am in a new insurance plan?[NEWLINE]agent: In this case, the insurance company can not charge you for recommended or preventative services such as flu shots or other immunizations[NEWLINE]user: Is there any financial benefit to attending a college or career school that is close to my home?[NEWLINE]agent: In this instance, you should consider living at home to reduce accommodation costs[NEWLINE]user: Is there anything that can be done in relation to health benefits if I have been uninsured because of a pre-existing condition?


user: Can you tell me about college and career school costs?[NEWLINE]agent: Yes, we can help you with learning about college costs and give you tips to lower costs when you go to school.[NEWLINE][BOUNDARY][NEWLINE]user: What tools are I use?[NEWLINE]agent: You can use our college search tool and College Navigator to help you.[NEWLINE]user: When will colleges and career schools offer discounts on tuition?[NEWLINE]agent: Did one your parents go to a college you are applying to?.[NEWLINE]user: Yes, one of my parents are an alumnus or alumna of the college I am applying at.[NEWLINE]agent: Then there is a possibility that you will get a discount at that college.[NEWLINE][BOUNDARY][NEWLINE]user: Is there a way to compare the costs of colleges?[NEWLINE]agent: You can find info about whether the cost of a college is low, medium, or high by using the College Scorecard.[NEWLINE][BOUNDARY][NEWLINE]user: What are the costs of college?


user: What are the cost of college schools?[NEWLINE]agent: It can vary significantly from school to school but we can give you tips on how to lower the costs when you go to school.[NEWLINE][BOUNDARY][NEWLINE]user: Can you give me a good part-time job recommendation that is compatible with my studies?[NEWLINE]agent: One good option is the Federal Work-Study Program that provides the opportunity to earn money while going to school. You can ask schools if they participate in the program.[NEWLINE]user: And how about tuition cost?[NEWLINE]agent: You may get discounts for tuition on college or career schools under certain circumstances like, Did your parents go to the same school as you are planing to go?[NEWLINE]user: Yes, they actually did.[NEWLINE]agent: Then you may be eligible for a discount on tuition.[NEWLINE]user: What would be a good recommendation to manage my school credits?[NEWLINE]agent: It's always a good idea to take the maximum number of credits allowed so you can reduce the time needed to graduate.[NEWLINE]user: Would be wise to get a credit card to build a credit history?


user: Hello, can you tell me how much it would cost my college career?[NEWLINE]agent: It varies depending on your school but you can get tips on how to lower the cost.[NEWLINE][BOUNDARY][NEWLINE]user: Ok, can you give me some tips about housing cost off-campus?[NEWLINE]agent:  Sure. One good tip would be to share a house or apartment with multiple housemates so you can divide the cost of the rent. You can also share a car to save on gas and parking.[NEWLINE][BOUNDARY][NEWLINE]user:  And, regarding the cost, what should I take into consideration when deciding for a school?[NEWLINE]agent:  You should make sure your chosen career school gives you a clear statement of their tuition and fees.[NEWLINE][BOUNDARY][NEWLINE]user:  And what about discounts, is it possible to get one from my career school?[NEWLINE]agent:  You can get one depending on some factors, like, are you a child of an alumnus or alumna? that is, did any of your parents went to that school?[NEWLINE]user:  that would be a no.[NEWLINE]agent:  Do you have any other family members currently enrolled in that school?[NEWLINE]user:  Yes, I do.[NEWLINE]agent:  Then that would be enough to get a discount at your school.[NEWLINE]user:  Awesome. Now, regarding health care benefits. What if I'm eligible but I'm on a new insurance plan


user: Hey, I need to know some things about college costs. Can you please give me an idea about what to expect?[NEWLINE]agent: Of course. Here you can learn about college costs and get tips on how to lower costs when you go to school.[NEWLINE][BOUNDARY][NEWLINE]user: Is there any way to lower my tuition fees?[NEWLINE]agent: Most colleges and universities sponsor resident advisor programs that offer reduced tuition or reduced room and board costs if you work in a residence hall.[NEWLINE]user: But in which cases do they offer a discount then?[NEWLINE]agent: Are you a child of an alumnus or alumna i.e., if your parent went to the school?[NEWLINE]user: No, none of my parents did.[NEWLINE]agent: Is more than one family member enrolled at the school?[NEWLINE]user: Yes, my cousin is.[NEWLINE]agent: In that case, colleges and career schools may offer discounts on tuition.[NEWLINE]user: That's great to hear! I've also read about combined degrees, what about those?


user: Hello, I'm here to inform myself about the college costs ahead of me.[NEWLINE]agent: Then you're in the right place. Here you can learn about college costs and get tips on how to lower costs when you go to school.[NEWLINE][BOUNDARY][NEWLINE]user: So what should I watch out for when it comes to college costs?[NEWLINE]agent: College or career school costs can vary significantly and there are many schools with affordable tuition and generous financial assistance. ake sure to research all schools that may meet your academic and financial needs.[NEWLINE]user: Alright. Then how do I find colleges or career schools near me?[NEWLINE]agent: For that you can simply use our college search tool, College Navigator.[NEWLINE]user: What if I don't take a class at all?[NEWLINE]agent: Then you may not have to pay for the credits.[NEWLINE]user: When do colleges usually offer discounts on tuition?[NEWLINE]agent: Are you a child of an alumnus or alumna i.e., if your parent went to the school?[NEWLINE]user: Yes, my dad went to a college.[NEWLINE]agent: In that case colleges and career schools may offer discounts on tuition.[NEWLINE]user: Are there any other way to reduce my expenses?


user: Good day. I came here to find out how I can cut some costs when going to college. Can you tell me how?[NEWLINE]agent: Of course. Here you can learn about college costs and get tips on how to lower costs when you go to school.[NEWLINE][BOUNDARY][NEWLINE]user: Then how can I lower the cost of college?[NEWLINE]agent: We have some suggestions on how you might be able to lower the cost of college.[NEWLINE]agent: Do you want to hear these suggestions?[NEWLINE]user: No, thank you.[NEWLINE]user: What if I go to a college near my home? Can I save costs?[NEWLINE]agent: Yes, you should consider living with your parents or other family.[NEWLINE]user: What if I have been uninsured before, because of a condition I had?[NEWLINE]agent: Then you may be eligible to join the Pre-Existing Condition Insurance Plan.[NEWLINE]user: I'll have to look into that. What about combined degrees? I read about that too.


user: I wanted to know about the cost of going to school[NEWLINE]agent: Okay, we can help you learn about college costs and give you tips on how to lower costs when you go to school.[NEWLINE][BOUNDARY][NEWLINE]user: Do you have tips for someone living off campus?[NEWLINE]agent: You can share a house or apartment with multiple housemates to cut down the cost of rent.[NEWLINE]user: what's some good advice on credit cards?[NEWLINE]agent: It is important that you understand the terms.[NEWLINE]user: What are some ways to save money on tuition?[NEWLINE]agent: Are you the child of an alumnus or alumna?[NEWLINE]user: no[NEWLINE]agent: Will you have more than one family member enrolled at the school?[NEWLINE]user: yes, my sister goes to the school[NEWLINE]agent: You can check with the school to see if they offer a discount on tuition.[NEWLINE]user: anything else to help lower the cost?


user: Good evening, I'm looking for advice about college costs, Is there anything you can do to help me out with it?[NEWLINE]agent: No problem. We can guide you in certain aspects of college cost,and how to get lower costs when you happen to go to school.[NEWLINE][BOUNDARY][NEWLINE]user: That's a relief. I've been looking for reliable information for ages. Look, something i want to get help is about to know various colleges costs, Is there a way i can get a comparative view on that?[NEWLINE]agent: Do not worry. In fact, there is a way. Through the College Scorecard you can know for sure if a college cost is low, or medium or high. You should take note if the college has financial aid available for you, when you valuate your choices.[NEWLINE][BOUNDARY][NEWLINE]user: Oh, that's a good advice, indeed. I keep forgetting about the financial aid. About that, in which way could i obtain a tuition discount?[NEWLINE]agent: Well, depending on the college, conditions can be very specific, but for the most, a tuition discount could be obtained if you are, for example, child of an ex-alumni. Is that your case?[NEWLINE]user: You know, in fact it is. I forgot that my father went to my school of choice, so yes, i guess it is my case.[NEWLINE]agent: That's excellent. Then you are most qualified to get a discount.[NEWLINE]user: Yeah, right? That would be most useful, indeed. But, lets say i want to do more, could i do even more if i take a job, part-time, that is?[NEWLINE]agent: Of course you can do more in that way. A part-time job could help you in a great way to lower your college's costs, but you have to make sure that it doesn't get in the way of your studies and school schedules. You have to choose well.[NEWLINE]user: Yeah, i know it can be troublesome if that happens. Look a last thing. What can you tell me about housing costs? Is there a practical way to low that?


user: fghhgfdg[NEWLINE]agent: Sure, no problem. Do you want to know things as the cost of college through time?[NEWLINE]user: Yes, like that kind of things.[NEWLINE]agent: The financial aid is very important aspect when is related to go to school.[NEWLINE]user: Great, but the fafsa form, is something I going to fill for the first time, this will be a problem or have any advantage?[NEWLINE]agent: It may help you if you are if you are in a high school into the current cycle of 2020-2021.[NEWLINE]user: I see, there exist any kind of site with FAQs?[NEWLINE]agent: Sure, we have  a recently updated FAQ and data details pages which you can visit at any time, with details about fafsa and it reach.[NEWLINE]user: And how do you track my progress?[NEWLINE]agent: The fsa regularly updates estimates for the first 15 months of the application cycle.[NEWLINE]user: Is there any age limit?


user: I would like some information about FAFSA statistics.[NEWLINE]agent: Is this in relation to having enough money to attend college?[NEWLINE]user: It has nothing to do with that, no.[NEWLINE]agent: Are you worried about eventually being able to pay back a college loan?[NEWLINE]user: Yes I would like to know how many people are able to do so.[NEWLINE]agent: In the past, high schools relied on self-reported surveys to estimate their FAFSA completion rate and that data can be inaccurate. We now use a better system.[NEWLINE]user: Could I get help increasing my FAFSA completion numbers at my high school?[NEWLINE]agent: Federal Student Aid recently launched the Financial Aid Toolkit to help student counsellors understand the basics of federal student aid, provide tips on hosting events along with sample PowerPoint presentations, provide suggested messages for social media and email outreach, and help find other training opportunities for students.[NEWLINE]user: And how can high schools track their progress?[NEWLINE]agent: Usually, FSA regularly updates estimates for the first 15 months of the application cycle.[NEWLINE]user: Is this information for all schools?


user: I'd like to know how many people at my school have applied for Federal Student Aid.[NEWLINE]agent: Are you planning on going to college?[NEWLINE]user: I'm not sure yet but I probably won't be able to afford it.[NEWLINE]agent: Are there other factors involved in the decision to attend college besides financial concerns?[NEWLINE]user: Yes I'm weighing other factors like not having time to take 3 years off of my life to do this.[NEWLINE]agent: We have found that there exists a strong correlation between FAFSA completion and college enrolment.[NEWLINE]user: Is this information accurate?[NEWLINE]agent: Previously, high schools relied on self-reported surveys to estimate their FAFSA completion rate, but such information is not always accurate. So Federal Student Aid is now providing high schools with current data about their FAFSA submissions and completions[NEWLINE]user: Are there really that many more people applying for and receiving Federal Student Aid?[NEWLINE]agent: Certainly, as the cost of college continues to increase, financial aid becomes ever more important.[NEWLINE]user: And this information concerns high school students?


user: Hello, I came here to learn more about completing the FAFSA for my school.[NEWLINE]agent: Of course. Are you aware that the cost of college continues to increase?[NEWLINE]user: No, I haven't been following the developments over the recent years. I'm new to all this.[NEWLINE]agent: That's fine. Do you know that many factors are involved in the decision to attend college?[NEWLINE]user: Yes, it was quite complicated to decide on what to do.[NEWLINE]agent: Then you should know that a strong correlation exists between FAFSA completion and college enrollment. Previously, high schools relied on self-reported surveys to estimate their FAFSA completion rate, and that data can be inaccurate.[NEWLINE]user: How are applications reported for each high school?[NEWLINE]agent: The number of submitted and completed applications is reported for the current application cycle 2020-2021 and the same time period last year for the previous application cycle 2019-2020.[NEWLINE]user: Alright. And how do high schools to track their progress?[NEWLINE]agent: FSA regularly updates estimates for the first 15 months of the application cycle.[NEWLINE]user: I've read that they used to do surveys for this, but that the data wasn't reliable. What does the FSA do to prevent this?


user: Hello there. I could use some help with my FAFSA completion.[NEWLINE]agent: Of course. Are you aware that the cost of college continues to increase?[NEWLINE]user: Yes, I am. Unfortunately.[NEWLINE]agent: Then you should also know that financial aid becomes ever more important.[NEWLINE]user: You can say so, yes. How do you handle files when it comes to age?[NEWLINE]agent: Files ending in 18 year olds use the previous age assumption that applicants be no older than 18. All other files use the current assumption that applicants be no older than 19.[NEWLINE]user: That's interesting. I've read that schools used to run surveys to figure out the rate of FAFSA completion, but they don't do that anymore. How is it done nowadays?[NEWLINE]agent: In this time and age Federal Student Aid is providing high schools with current data about their FAFSA submissions and completions so that high schools can track their progress and help to ensure that their students complete a FAFSA.[NEWLINE]user: Ah, that makes sense. And at what point of the year is this data released?[NEWLINE]agent: Data releases occur every other Friday.[NEWLINE]user: That frequent? That's good to hear, this should make the data more accurate. How is the number of applications for each school reported then?


user: Good evening. Could you perhaps share some advice about completing an FAFSA with me?[NEWLINE]agent: Of course. Are you aware that the cost of college continues to increase?[NEWLINE]user: No, I'm new to this whole college thing.[NEWLINE]agent: Are you aware that many factors are involved in the decision to attend college then?[NEWLINE]user: Yes, the whole process is very intimidating to me.[NEWLINE]agent: Then you should know that a strong correlation exists between FAFSA completion and college enrollment. Previously, high schools relied on self - reported surveys to estimate their FAFSA completion rate, and that data can be inaccurate.[NEWLINE]user: Is it true that the number of seniors increases every year?[NEWLINE]agent: Yes. A new methodology counts more older seniors year over year.[NEWLINE]user: Wow, I didn't know that! So you were saying that it is critical for me to find a way to cover my costs?[NEWLINE]agent: That's correct. Financial aid becomes ever more important.[NEWLINE]user: And do the schools have an idea how many applications are sent to them?


user: You can help me by telling me all you know about FAFSA completion.[NEWLINE]agent: Of course. Are you aware that the cost of college continues to increase?[NEWLINE]user: No, but I haven't really kept myself up to date with that.[NEWLINE]agent: Are you aware that many factors are involved in the decision to attend college?[NEWLINE]user: Yes, it's quite intimidating sometimes.[NEWLINE]agent: Then you should also know that a strong correlation exists between FAFSA completion and college enrollment.[NEWLINE]user: Yes, I've read that there were surveys about that.[NEWLINE]agent: That's correct. Previously, high schools relied on self-reported surveys to estimate their FAFSA completion rate, and that data can be inaccurate.[NEWLINE]user: What if I have some concerns regarding my high school because of the data?[NEWLINE]agent: We've recently updated our FAQ and Data Details pages reflecting recent changes and trending questions, including why we recently changed the definition of a senior, why some schools are not listed on the FAFSA, and common errors or misconceptions when analyzing the data.[NEWLINE]user: And what is done against inaccurate data?


user: can you explain to me what is the FAFSA Completion by the high school and the public school district[NEWLINE]agent: Do you think the cost of college continues to rise?[NEWLINE]user: it's not what interests me[NEWLINE]agent: Do you think there are factors involved in the decision to attend college?[NEWLINE]user: yes[NEWLINE]agent: Yes, there is a strong correlation between completion of the FAFSA and enrollment in college. Previously, high schools relied on self-reported surveys to estimate their FAFSA completion rate, and that data may be inaccurate.[NEWLINE]user: How often do publications occur?[NEWLINE]agent: data releases occur every other Friday.[NEWLINE]user: Where can I answer my high school related concerns in the data or on the FAFSA?[NEWLINE]agent: We have recently updated our FAQs and Data Details pages reflecting recent changes and trending questions, including why we recently changed the definition of a senior, why some schools are not listed on the FAFSA, and common mistakes or misconceptions when analyzing the data[NEWLINE]user: considering that the data may be exact, what are you planning to do?


user: what information can you give me regarding the FAFSA Termination by the high school and the public school district[NEWLINE]agent: Do you think the cost of college continues to rise?[NEWLINE]user: I haven't thought about it[NEWLINE]agent: Do you think there are many factors involved in the decision to attend college?[NEWLINE]user: I have not considered that point[NEWLINE]user: I would like to know more about high school in the data or on the FAFSA?[NEWLINE]agent: We recently updated our Frequently Asked Questions and Data Details pages reflecting recent changes and trending questions, including why we recently changed the definition of a senior, why some schools are not listed on the FAFSA, and common mistakes or misconceptions when analyzing the data.[NEWLINE]user: What does FSA do for high schools to track their progress?[NEWLINE]agent: FSA regularly updates estimates for the first 15 months of the application cycle[NEWLINE]user: I need help increasing my FAFSA completion numbers in my area


user: I came here with some questions about your IT Standards Library. Can you please answer them?[NEWLINE]agent: Of course. First of all, welcome to the Federal Student Aid Chief Information Officer 's Information Technology IT Standards Library. Federal Student Aid and its contractors must comply with IT standards and guidelines applicable to all federal agencies.[NEWLINE][BOUNDARY][NEWLINE]user: Alright. So what specific resources do you offer?[NEWLINE]agent: This section of the IT Standards Library includes documents pertinent to the U.S. Department of Education as a whole.[NEWLINE][BOUNDARY][NEWLINE]agent: Do you want to hear details about these resources?[NEWLINE]user: No, thank you. I get the idea.[NEWLINE][BOUNDARY][NEWLINE]user: So, what references do you have for me?[NEWLINE]agent: We have the Lifecycle Management Methodology.[NEWLINE][BOUNDARY][NEWLINE]user: That sounds interesting. How about testing services? Are there any?[NEWLINE]agent: Yes, we have the Enterprise Test Management Standards.[NEWLINE][BOUNDARY][NEWLINE]user: You've mentioned earlier that contractors must comply with your guidelines, is that all they need to comply with?


user: Hey there. I have some questions about the IT Standards Library, hope you can answer them.[NEWLINE]agent: Of course. First of all, welcome to the Federal Student Aid Chief Information Officer's Information Technology IT Standards Library. Federal Student Aid and its contractors must comply with IT standards and guidelines applicable to all federal agencies.[NEWLINE][BOUNDARY][NEWLINE]user: What about federal guidelines?[NEWLINE]agent: This section of the IT Standards Library highlights federal organizations involved in establishing and coordinating the implementation of federal laws, regulations, standards and guidelines applicable to information and information technology management. The standards and guidelines they promulgate apply to all federal agencies and departments.[NEWLINE][BOUNDARY][NEWLINE]agent: Do you want to know what resources we offer?[NEWLINE]user: No, thanks.[NEWLINE][BOUNDARY][NEWLINE]user: What testing services are there?[NEWLINE]agent: We have the Enterprise Test Management Standards.[NEWLINE][BOUNDARY][NEWLINE]user: I see. Do you also offer references?[NEWLINE]agent: Yes. The IT Standards Library offers pertinent references for those who do or would like to do business with Federal Student Aid. Documents selected for the library may not encompass all of the documentation or references necessary to perform work for Federal Student Aid.[NEWLINE][BOUNDARY][NEWLINE]user: Yeah, I already thought so. Do you cover data management as well?


user: Hello, can you give me some information about federal student aid resources?[NEWLINE]agent: Of course. A section of the IT Standards Library includes documents that are specific to the Federal Student Aid IT lifecycle for all projects and lists other pertinent references that an IT project may be required to comply with dependent on the contract.[NEWLINE][BOUNDARY][NEWLINE]agent: Would you like me to tell you about some general references?[NEWLINE]user: Yes, please.[NEWLINE]agent: We have the Lifecycle Management Methodology, for example.[NEWLINE][BOUNDARY][NEWLINE]user: Sounds great. What about IT security?[NEWLINE]agent: We also offer some IT Security documents used by FSA.[NEWLINE][BOUNDARY][NEWLINE]user: Are there any other useful resources?[NEWLINE]agent: Well, there is the Office of Management and Budget Resources.[NEWLINE][BOUNDARY][NEWLINE]user: And that lifecycle management methodology you mentioned before? What is does that entail?[NEWLINE]agent: The Lifecycle Management Methodology comprises a comprehensive process for managing information technology projects from vision to retirement. The methodology is composed of eight distinct stages, each of which guides project managers through the LMM process by identifying a core/minimum set of deliverables to be created in order to ensure a project 's viability.[NEWLINE][BOUNDARY][NEWLINE]user: That's very interesting. And what can you tell me about program QA?


user: What is the General and Federal Guidelines and what do they do?[NEWLINE]agent: The General and Federal Guidelines of the IT Standards Library highlights federal organizations involved in establishing and coordinating the implementation of federal laws, regulations, standards and guidelines for information and information technology management for all federal agencies and departments.[NEWLINE][BOUNDARY][NEWLINE]agent: Would you need some resources to use?[NEWLINE]user: Yes, I would like some resources.[NEWLINE]agent: One of them is the Office of Management and Budget Resources.[NEWLINE][BOUNDARY][NEWLINE]user: What is the Enterprise Rational Solution used for?[NEWLINE]agent: The Federal Student Aid Enterprise Rational Solution is for sytems development efforts and it is an integrated solution for such things as requirements, tests, and configuration management.[NEWLINE][BOUNDARY][NEWLINE]user: What pertinent info does the IT Standards Library offer?[NEWLINE]agent: The IT STandards Library offers references for those who do or would like to do business with Federal Student Aid.[NEWLINE]user: Would the documents selected for thel IT Standards Library cover all the documentation?[NEWLINE]agent: It does encompass most of the documentation or references necessary to perform work for Federal Student Aid but may not encompass all.[NEWLINE][BOUNDARY][NEWLINE]user: What does the IT Dashboard display?


user: I need some guidance about the IT Standards Library guidelines please.[NEWLINE]agent: Our IT Standards Library standards and guidelines apply to all federal agencies and departments and they must be followed for all wishing to apply for Federal Student Aid.[NEWLINE][BOUNDARY][NEWLINE]agent: Would you like to know about the resources that can be provided?[NEWLINE]user: No thank you.[NEWLINE][BOUNDARY][NEWLINE]user: I'm more interested in testing services. What can you tell me them?[NEWLINE]agent: We have information about Enterprise Test Management Standards.[NEWLINE][BOUNDARY][NEWLINE]user: And is there information about Technology Standards and Products?[NEWLINE]agent: Yes we have a Technology Standards and Products Guide that might be useful to you.[NEWLINE][BOUNDARY][NEWLINE]user: Is there a standard for quality assurance?[NEWLINE]agent: Certainly. The Production Readiness Review PRR serves as the final, formal, and documented decision point before a new application or a significant release of an existing application enters Federal Student Aid 's production environment and is exposed to end-users.[NEWLINE][BOUNDARY][NEWLINE]user: Do you have any information specifically about the Federal Student Aid program?


user: Do you know of any Federal Student Aid specific resources?[NEWLINE]agent: Yes, this section of the IT Standards Library includes documents that are specific to the Federal Student Aid It lifecycle for all projects and lists other important references that an IT project may be required to comply with dependent on the contract.[NEWLINE][BOUNDARY][NEWLINE]agent: Would you like some General References?[NEWLINE]user: No, I do not need them at this time.[NEWLINE][BOUNDARY][NEWLINE]agent: Would you like to know about IT Security?[NEWLINE]user: No, no need for IT Security at this time.[NEWLINE][BOUNDARY][NEWLINE]agent: Do you need to know about Data Management?[NEWLINE]user: Yes, please explain Data Management to me.[NEWLINE]agent: We have Data Management Resources that we use.[NEWLINE][BOUNDARY][NEWLINE]user: What resources are available not mentioned yet?[NEWLINE]agent: We have Office of Management and Budget Resources.[NEWLINE][BOUNDARY][NEWLINE]user: What testing services are available?


user: I want to know about the IT Standards Library, especially about the General and Federal Guidelines section.[NEWLINE]agent: this is the section that highlights federal organizations involved in establishing and coordinating the implementation of federal laws, regulations, standards, and guidelines applicable to information and information technology management.[NEWLINE][BOUNDARY][NEWLINE]agent: Do you want to know about the resources available to you?[NEWLINE]user: Not right now.[NEWLINE][BOUNDARY][NEWLINE]user: Please tell me some of the resources available about the Lifecycle Management Methodology.[NEWLINE]agent: Apart from the Lifecycle Management Methodology in itself, you can also get information about the LMM Tailoring Plan Template.[NEWLINE][BOUNDARY][NEWLINE]user: and about the General and Federal Guidelines section, to what agencies it applies?[NEWLINE]agent: The standards and guidelines from this section apply to all federal agencies and departments.[NEWLINE][BOUNDARY][NEWLINE]user: What is the purpose of the Lifecycle Management Methodology?[NEWLINE]agent: the LMM is a comprehensive process for managing information projects from vision to retirement.[NEWLINE][BOUNDARY][NEWLINE]user: Tell me a bit about the Federal Student Aid Specific REsources section.


user: I'm looking for IT standards on student aid documents[NEWLINE]agent:  the IT Standards Library includes documents that are specific to the Federal Student Aid IT lifecycle for all projects and lists other pertinent references that an IT project may be required to comply with dependent on the contract.[NEWLINE][BOUNDARY][NEWLINE]agent: Would you like general references that could help you?[NEWLINE]user: No, I just need a few things[NEWLINE][BOUNDARY][NEWLINE]agent: Do you need IT security information?[NEWLINE]user: I could use that[NEWLINE]agent: We have a section that contains IT security documents used by FSA.[NEWLINE][BOUNDARY][NEWLINE]user: I will also need info on program quality assurance[NEWLINE]agent: Okay, we can help you with the production readiness review process.[NEWLINE][BOUNDARY][NEWLINE]user: Do you have resources on the Office of Management and Budget?[NEWLINE]agent: Yes, I can help you with that[NEWLINE][BOUNDARY][NEWLINE]user: what do the federal guidelines cover?


user: hi[NEWLINE]agent: hi[NEWLINE]user: hi[NEWLINE]agent: hi[NEWLINE]user: hi[NEWLINE]agent: hi[NEWLINE][BOUNDARY][NEWLINE]user: hi[NEWLINE]agent: It is. For some circumstances, like Timing issues regarding foreclosure, borrower has a discharged chapter 7, 11 or 12 bankruptcy in the past 5 years preceding the date of the credit report.[NEWLINE][BOUNDARY][NEWLINE]user: O.k, thanks. By the way, how do i get an adverse credit? It is because any debt?[NEWLINE]agent: Not for nay debt. If your total balance for those debts go above $2,085, then it is considered adverse credit.[NEWLINE][BOUNDARY][NEWLINE]user: Oh, that's interesting. Say, can you tell me about some extenuating circumstances?


user: I need some help.[NEWLINE]agent: Allow me to assist you. Do you have an endorser?[NEWLINE]user: No, I don't.[NEWLINE]agent: Are you aware of how to obtain an endorser?[NEWLINE]user: No, I need help with that.[NEWLINE]agent: Okay. Until you obtain an endorser, it's not possible for you to be eligible for a Direct PLUS loan.[NEWLINE][BOUNDARY][NEWLINE]user: What if I do a short sale?[NEWLINE]agent: In this case, your short sale will need to be approved and completed.[NEWLINE][BOUNDARY][NEWLINE]user: Where can I find more information on this?[NEWLINE]agent: You can find more information about this on our website, including information on Deed in Lieu.[NEWLINE]user: What does a collection account mean?


user: I came here to learn more about a direct plus loan. Can you tell me a few things about it?[NEWLINE]agent: Of course. Do you want a non-exhaustive list of examples of extenuating circumstances?[NEWLINE]user: No, thank you. I already saw it on your website.[NEWLINE]agent: Do you believe that your situation fits within these examples, or presents a situation that otherwise qualifies for extenuating circumstances?[NEWLINE]user: No, I don't.[NEWLINE]agent: Are you aware that a review does not guarantee approval then?[NEWLINE]user: No, I didn't know that. Anyways, it doesn't matter now.[NEWLINE]agent: Are you aware that previous approval based on extenuating circumstances does not guarantee further approvals?[NEWLINE]user: No, I wasn't aware of that.[NEWLINE]agent: Are you aware that additional documentation may be required beyond the basic requirements?[NEWLINE]user: Yes, that is something I read about.[NEWLINE]agent: You'll also need to provide a statement that contains an explanation of your extenuation circumstances and the documentation applicable/appropriate to support your claim.[NEWLINE][BOUNDARY][NEWLINE]user: I see. But what about the description?


user: can you tell me more about extenuating circumstances on a tax lien[NEWLINE]agent: You will need to have established satisfactory repayment arrangements and six months of voluntary, consecutive, on-time, full monthly payments should have been made.[NEWLINE]agent: Have you reviewed the information and no longer wish to document extenuating circumstances?[NEWLINE]user: no, I will still do it to get my credit going in the right direction[NEWLINE][BOUNDARY][NEWLINE]user: what do you consider a collection account?[NEWLINE]agent: That is any account open or closed that has been placed in collection during the two years preceding the date of the credit report with a balance greater than zero[NEWLINE][BOUNDARY][NEWLINE]user: how can I make sure I get your e-mails?[NEWLINE]agent: Add StudentLoanSupport@ed.gov to your e-mail trusted senders list[NEWLINE][BOUNDARY][NEWLINE]user: and what do you guys consider a charged off account?[NEWLINE]agent:  Any account open or closed that has been written off during the two years preceding the date of the credit report with a balance greater than zero.[NEWLINE][BOUNDARY][NEWLINE]user: what proof do we need to have for wage garnishment?


user: Hello, I would like to obtain information about the Mitigating Circumstances Test[NEWLINE]agent: You should know that a satisfactory repayment agreement has been established and six months of voluntary monthly payments have been made, consecutive and punctual.[NEWLINE]agent: Have you reviewed the above information and no longer want to document mitigating circumstances?[NEWLINE]user: yes[NEWLINE]agent: in that case you have the various options[NEWLINE]user: How can I ensure that when you send the mail it does not reach the spam mailbox?[NEWLINE]agent: To prevent our emails from reaching your spam or junk email, please add StudentLoanSupport@ed.gov to your list of trusted senders.[NEWLINE]user: and what documentation is required?[NEWLINE]agent: A copy of the actual version is essential.[NEWLINE][BOUNDARY][NEWLINE]user: and can it be a collection account?[NEWLINE]agent: Any open or closed account that has been placed in collection during the two years prior to the date of the credit report with a balance greater than zero.[NEWLINE]user: and a charged account works too?


user: I was denied because of bad credit so who can help me get a loan?[NEWLINE]user: what can I do to get a Direct plus loan?[NEWLINE]agent: Do you have an endorser that can help you get a loan?[NEWLINE]user: not at the moment[NEWLINE]agent: Were you thinking of using the student on whose behalf you are requesting the Direct PLUS Loan as an endorser?[NEWLINE]user: no I know I can't use them[NEWLINE]agent: You can't get a Direct PLUS loan without an endorser because of your credit[NEWLINE][BOUNDARY][NEWLINE]user: how can you help me if we had a repo?[NEWLINE]agent: If it was a repossession or an involuntary repossession within the past 5 years preceding the date of the credit report we might be able to help if you have proof of extenuating circumstances.[NEWLINE][BOUNDARY][NEWLINE]user: I also have had some debt problems because of a divorce so what would I need as proof to help me out?


user: Hi. I'm looking information about how to appeal a credit decision.[NEWLINE]agent: Sure thing, no problem. This appeal can be made can be made based on certain circumstances?[NEWLINE]user: Well, not really.[NEWLINE]agent: Do you believe this is situation was because of a extenuating circumstances?[NEWLINE]user: I been thinking about it, and I not sure that be.[NEWLINE]agent: Is you loan under any kind of review?[NEWLINE]user: Yes, that was the last thing they told me.[NEWLINE]agent: If that's the case. You will need to provide a statement that contains an explanation of your circumstances and the documentation to provide your claim.[NEWLINE]user: Even if the information that I got was the possible cause of the adverse credit?[NEWLINE]agent: Yes, you need to provide, the information you have.[NEWLINE][BOUNDARY][NEWLINE]user: This proof how needs to be made?


user: I came here seeking information on appealing a credit decision. Perhaps you can help me?[NEWLINE]agent: Did you read our non-exhaustive list of examples of extenuating circumstances?[NEWLINE]user: No, unfortunately not.[NEWLINE]agent: Do you believe that your situation fits within these examples, or presents a situation that otherwise qualifies for extenuating circumstances?[NEWLINE]user: No. Well, I don't know about the list, I haven't read it.[NEWLINE]agent: Are you aware that review does not guarantee approval?[NEWLINE]user: Yes, but that is just logical.[NEWLINE]agent: *DEFAULT ERROR*[NEWLINE]user: Are there any extenuating circumstances relating to an adverse credit history?[NEWLINE]agent: Yes, there are extenuating circumstances relating to the adverse credit history. Remember: Endorsers aren't eligible for this option.[NEWLINE][BOUNDARY][NEWLINE]user: What if I have reviewed the information above and no longer wish to document extenuating circumstances?


user: Hi there. I would like to have some information related about how to appeal a credit decision.[NEWLINE]user: Great, thanks. I want to know what can I do now.[NEWLINE]agent: Sure, no problem. Do you have contact with a endorser?[NEWLINE]user: I'm not very sure.[NEWLINE]agent: You know the endorser can not be the student by self?[NEWLINE]user: Yes, I have that very clear.[NEWLINE]agent: Alright. So, you need to know that you may still be eligible to receive a direct plus loan.[NEWLINE][BOUNDARY][NEWLINE]user: Alright, I have to bring proof of some kind of extenuating circunstances?[NEWLINE]agent: Sure, you can bring proof, for example, is your mortgage was fully paid.[NEWLINE]user: Great. Which other proof are accepted?


user: Hello, good to talk with you. I'm looking to know some things about the loan program, can you help me out?[NEWLINE]agent: No problem, that's why we are here. Before anything else, Do you know what is a Direct plus Loan?[NEWLINE]user: Yeah, i know the basics about it, but that's why i'm looking for guidance here, to be sure about some other things.[NEWLINE]agent: That's great. Just for a reminder, This proceeding you are doing right now is to obtain additional information about your loan process. Depending on your selected school, such process could vary.[NEWLINE]agent: By the way, Have you put a freeze on your credit file?[NEWLINE]user: No, i didn't do that.[NEWLINE][BOUNDARY][NEWLINE]user: O.k, Thanks. In any case, if i want to apply for a loan, should i go online to do that?[NEWLINE]agent: That's affirmative. You should start to going online and login in to start all the loan process.[NEWLINE][BOUNDARY][NEWLINE]user: Well, is kind of obvious, really. And, say, is there anything i should do or fill before i can receive my loan?[NEWLINE]agent: Yeah, in fact, you must complete a Direct Plus Loan Master Promissory Note. In which all terms are explain.[NEWLINE]user: Got it. Just to be sure, every school interested on information to process my loan application, can do that by their own rules, aren't they?


user: Need help with the Direct Plus Loan Application for graduate students.[NEWLINE]agent: Would you like to learn what a Direct Plus Loan Application for graduate students is?[NEWLINE]user: No, I know what the Direct Plus Loan application is.[NEWLINE][BOUNDARY][NEWLINE]agent: Do you want to apply for a PLUS Loan?[NEWLINE]user: No, I do not need to apply for a PLUS Loan at this time.[NEWLINE][BOUNDARY][NEWLINE]user: When do I complete the Direct PLUS Loan MPN?[NEWLINE]agent: You have the chance to complete the Direct PLUS Loan MPN after you have completed the Direct PLUS Loan Request.[NEWLINE]user: What happens if I have placed a security freeze on my credit file?[NEWLINE]agent: You definitely have to lift or remove the freeze at each credit bureau before you will be able to continue because your application will not be processed otherwise.[NEWLINE][BOUNDARY][NEWLINE]user: Can I use my computer to apply for a PLUS Loan?


user: I have some questions about the direct plus loan.[NEWLINE]agent: a[NEWLINE]user: Sure, go ahead.[NEWLINE]agent: It is a request for supplemental information in connection with your application for a Federal Direct PLUS Loan Direct PLUS Loan through the William D. Ford Federal Direct Loan Direct Loan Program. Some schools may have a different process for obtaining the additional information needed to process your Direct PLUS Loan application.[NEWLINE]user: What if I place a security freeze in place on my credit?[NEWLINE]agent: Then you must lift or remove the freeze at each credit bureau before you continue. Your application will not be processed if you have a security freeze.[NEWLINE][BOUNDARY][NEWLINE]user: Makes sense. So how do I apply for a plus loan?[NEWLINE]agent: All you need to do is log in to start the application.[NEWLINE][BOUNDARY][NEWLINE]user: And what happens to the information I provide? Is it kept safe?[NEWLINE]agent: The information that you provide will be sent to the school that you select. The school you select will use the information collected to determine your eligibility for a Direct PLUS Loan and process your application.[NEWLINE]user: Do I need to give the school my permission to use my funds to cover the costs?


user: I'm looking to apply for the Direct PLUS Loan and would like some information please.[NEWLINE]agent: Are you a Graduate or Professional Student?[NEWLINE]user: No, not yet but I'm planning ahead a bit.[NEWLINE][BOUNDARY][NEWLINE]agent: Are you seeking supplemental information about the aid on offer?[NEWLINE]user: No.[NEWLINE][BOUNDARY][NEWLINE]user: My application process has been stalled, why is this?[NEWLINE]agent: It might be because of the following: If you have placed a security freeze on your credit file, you must lift or remove the freeze at each credit bureau before you continue. Your application will not be processed if you have a security freeze..[NEWLINE]user: I find myself needing more information, is that possible?[NEWLINE]agent: We can provide you with supplemental information in connection with your application for a Federal Direct PLUS Loan  through the William D. Ford Federal Direct Loan Direct Loan Program.[NEWLINE]user: What do I have to do in order to apply for a Direct PLUS Loan?