user: Can I get a discharge of my student loan?[NEWLINE]agent: You could if you are eligible due to an unpaid refund by your school after you withdraw from school.[NEWLINE]agent:  Did you withdraw from school after receiving a direct federal loan or an FFEL Program loan?[NEWLINE]user: I did, yes.[NEWLINE]agent: Then your school may have been required under federal regulations to return some or all of the loan money to your servicer, if they didn't then you may be eligible for a discharge of your loan.[NEWLINE][BOUNDARY][NEWLINE]user: I secured multiple loans for various programs of study at the same school,  is it likely that any of the loans will be forgiven even if I was unable to complete any of the programs or transfer credits before the school closed?[NEWLINE]agent: The only loans eligible for discharge are the ones for the program you didn't get to complete because of the school closure; not the ones you decided not to complete on your own and moved to another program.[NEWLINE][BOUNDARY][NEWLINE]user: How much of the loan can be canceled?[NEWLINE]agent: Just the portion that your school failed to return.[NEWLINE][BOUNDARY][NEWLINE]user: How can i identify my loan servicer? do you have information?[NEWLINE]agent: very easy call the FSAIC Federal Student Aid Information Center at 1 - 800 - 433 - 3243.[NEWLINE][BOUNDARY][NEWLINE]user: One other thing I'd like to ask about how much of my loan could be discharged if I'm eligible for an approved federal student loans? Who I can contact regarding this matter?[NEWLINE]agent: Yes, as I said, only the portion of the loan that the school failed to return is eligible for a discharge. You can contact your loan servicer for more information.[NEWLINE][BOUNDARY][NEWLINE]user: So, how can I apply for an unpaid refund discharge? My school it' still operating.[NEWLINE]agent: First, you should contact your school to try and resolve the issue with them before applying for an unpaid refund discharge.[NEWLINE]user: And what could I do in case the school is suddenly closed down?


user: What can I do with my loan if a withdraw from my school?[NEWLINE]agent: You can opt for an unpaid refund discharge if your case is eligible for it.[NEWLINE]agent: Did you withdraw from school after receiving your federal student loan?[NEWLINE]user: No, but I'm thinking about it.[NEWLINE]agent: If you do then do you think your school could fail to return the loan funds to your loan servicer?[NEWLINE]user: I think it could happen, yes.[NEWLINE]agent: In that case, you can be eligible for a discharge of your loan, but only the portion that the school fails to return.[NEWLINE]user: If your school closes while you are enrolled or shortly after you withdraw, you may be eligible for your federal student loan forgiveness, What would I need from this school if I plan to complete my education elsewhere?[NEWLINE]agent: You will need to obtain your academic and financial records if you plan to attend another school.[NEWLINE][BOUNDARY][NEWLINE]user: Do you know about loan transfers. What if my federal student loan was transferred from one servicer to a different one?[NEWLINE]agent: The transfer just means that a new servicer will provide the support you need to repay your loans; but is still owned by ED.[NEWLINE][BOUNDARY][NEWLINE]user: I want to know if you withdrew from school and the school did not make a required return of loan funds to the loan servicer would you might be eligible for a discharge of your federal student loans? And is it possible for parents with a Direct PLUS Loan to get their loan discharged as well?[NEWLINE]agent: The same applies to parents with a Direct PLUS loan. If their child withdraws from school and the school fails to return the parent PLUS loan funds then the portion that it's failed to be returned would be withdrawn from the loan.[NEWLINE]agent: Are you a parent of a student in that situation?[NEWLINE]user:  Well, not me but my parents, yes.


user: Is it possible to be eligible for a discharge if my loan servicer did not make the required return of loan funds to the loan servicer when I withdrew from school?[NEWLINE]agent: Yes, you can learn more about the unpaid refund discharge to see if you qualify or not.[NEWLINE]agent: Did you withdraw from school after receiving a loan made under the William D. Ford Federal Direct Loan Program or Federal Family Education Loan?[NEWLINE]user: Yes, I withdrew after receiving the William D. Ford Federal Direct Loan Program loan.[NEWLINE]agent: Then the school would have been required under federal regulations to return some or all of the loan money to your loan servicer.[NEWLINE][BOUNDARY][NEWLINE]user: What if I have FFEL Program loans that are not owned by ED? What should I do?[NEWLINE]agent: Then you would need to contact your servicer for details about repayment options and tools.[NEWLINE][BOUNDARY][NEWLINE]user: So what if I withdrew from school and the school didn't required for a return of loan funds to the loan servicer. May I be eligible for a discharge of my federal student loans?. Can the whole sum be discharged?[NEWLINE]agent: The discharge would be for the portion of the loan that the school did not return.[NEWLINE][BOUNDARY][NEWLINE]user: I'd like to inquire about the automatic Closed School Discharge. What if I meet the criteria for a closed school discharge and wish to have my loans discharged?[NEWLINE]agent: Then you should contact your loan servicer about applying for a closed school discharge now instead of waiting for three years to receive an automatic closed school discharge.[NEWLINE][BOUNDARY][NEWLINE]user: ok, another question, how can I request the cancellation of the unpaid refund if the school is open?[NEWLINE]agent: You should be able to contact the school and attempt to resolve the problem with them before applying for an unpaid refund.[NEWLINE][BOUNDARY][NEWLINE]user: What if I am parent who received a Direct PLUS Loan to help pay for my child's education, will my loan be discharged due to unpaid refund?[NEWLINE]agent: Actually, yes, the amount the school should have returned will be discharged.[NEWLINE]user: What will happen if my child withdrew from school but the school never made a return of the parent PLUS loan funds?


user: I need info on a loan for a school I dropped out of[NEWLINE]agent: Okay, we can help you learn more about the unpaid refund discharge to see whether you might qualify[NEWLINE]agent: Did you withdraw from school after receiving a loan made under the William D. Ford Federal Direct Loan Direct Loan Program or Federal Family Education Loan  Program?[NEWLINE]user: yes[NEWLINE]agent: The school may have been required under federal regulations to return some or all of the loan money to your loan servicer[NEWLINE][BOUNDARY][NEWLINE]user: I have another question about the contact information. What if I have loans from the FFEL Program that aren't owned by ED?[NEWLINE]agent: Then you would need to contact your servicer for details about repayment options and tools.[NEWLINE][BOUNDARY][NEWLINE]user: What if the school did not return the loan funds as required after withdrawing?[NEWLINE]agent: You could be eligible for a discharge of the portion of your loan that the school failed to return[NEWLINE]user: I'd like to know more about federal student loan.[NEWLINE]agent: It s important for you to obtain your academic and financial aid records if your school closes since you might need those records if you plan to attend another school or want your student loans discharged. And what will I require to begin?[NEWLINE][BOUNDARY][NEWLINE]user: I got it. Another question I have about unpaid refund.... What do I do to see about that discharge for the loan?[NEWLINE]agent: You will need to complete the Loan Discharge Application: Unpaid Refund,  and send the completed form to your loan servicer[NEWLINE][BOUNDARY][NEWLINE]user: is the discharge the same if you are the parent and you got the loan?[NEWLINE]agent: Yes,  the amount of the loan that the school should have returned will be discharged. You can contact your loan servicer for more information.[NEWLINE][BOUNDARY][NEWLINE]user: can I just go to the school and ask for the loan back?


user: Hello, I need help, I recently left school and the school did not make the required repayment of the loan funds, how do I do?[NEWLINE]agent: First, it's important that you get more information about the unpaid rebate registration to see if you can qualify.[NEWLINE]agent: dropped out of school after receiving a loan from the Loan Program?[NEWLINE]user: Right[NEWLINE]agent: in that case the school may have been required by federal regulations to return some or all of the loan money to your loan servicer.[NEWLINE][BOUNDARY][NEWLINE]user: Do you also know about this - by federal regulations. and can they transfer it to other administrators?[NEWLINE]agent: If we transfer your federal student loans from one administrator to another administrator, your loans will remain the property of ED. Transferring to another servicer simply means that a new servicer will provide the support you need to fully repay your loans[NEWLINE][BOUNDARY][NEWLINE]user: Are you aware of the federal student loan discharge? Is it possible that I'm eligible?[NEWLINE]agent: Of course you may be eligible for a discharge of the part of your loan that the school was unable to repay.[NEWLINE][BOUNDARY][NEWLINE]user: What if I enrolled in program A, but did not decide to continue and continued with program B, but did not finish it either? Are the loans for those programs canceled?[NEWLINE]agent: If you were also unable to complete Program B because the school closed, only loans you received for Program B could potentially be discharged.[NEWLINE][BOUNDARY][NEWLINE]user: I would like to ask another question, if i am a parent who has received a PLUS loan from the Direct Loan Program to help pay for my child's education, could my loan be canceled due to an unpaid refund?[NEWLINE]agent: Yes, the loan amount that the school should have repaid will be canceled. Contact your loan servicer for more information.[NEWLINE]user: Is that only in cases where the child dropped out of school but the school did not make the required repayment of the parent's PLUS loan funds?[NEWLINE]agent: that is correct, the loan amount that the school should have repaid will be canceled.[NEWLINE][BOUNDARY][NEWLINE]user: ok, so i want to request the download of the refund without paying, what do i do?


user: I need to know if I'm eligible for a discharge of my federal student loans.[NEWLINE]agent: I'll be happy to help you find out if you qualify for the unpaid refund discharge.[NEWLINE]user: Thank you. I've withdrawn from school and I received my loan under the FFEL Program. Do I qualify?[NEWLINE]agent: In this case, your school may be required to return part or all of your loan money to the loan servicer.[NEWLINE][BOUNDARY][NEWLINE]user: That's helpful to hear. Anything else. Is it true that my parent PLUS loan will be forgiven if my qualification is falsified?[NEWLINE]agent: Have you evidence that the school in question falsely certified your son/daughter's ability to benefit from its training?[NEWLINE]user: No, I don't have evidence at this point[NEWLINE]agent: Is it the case that the student in question had a disqualifying status at the time that the school certified your eligibility to receive the parent PLUS loan?[NEWLINE]user: Yes, this is the case actually[NEWLINE]agent: null[NEWLINE][BOUNDARY][NEWLINE]user: If I have a strong suspicion that a loan was made in my name as a result of identity theft, who do I contact?


user: I left school and need to know if I'm eligible for a dicharge of my federal student loans.[NEWLINE]agent: 'll be happy to help you find out if you qualify for an unpaid return discharge.[NEWLINE]agent: Was your loan made under the William D. Ford Federal Direct Loan Program or the FFEL Program?[NEWLINE]user: No. I don't think it was.[NEWLINE]agent: Has the school that you've withdrawn from refused to make a required return of your loan money?[NEWLINE]user: No, they haven't refused, but they seem to be dragging their feet about it.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: How would I go about applying for the unpaid refund discharge?[NEWLINE]agent: Is the school that you used to attend still open?[NEWLINE]user: No. They are closed.[NEWLINE]agent: Have they shutdown permanently?[NEWLINE]user: Yes.[NEWLINE]agent: In that case, you will need to first find out if you are eligible for a closed school discharge.[NEWLINE]user: By the way, to obtain information about my aid loan, who should I turn to for advice?[NEWLINE]agent: Never pay an outside company for help with your federal student loans. Your loan servicer will help you FREE. Contact your administrator to request income-based payment plans, student loan forgiveness, and more.[NEWLINE][BOUNDARY][NEWLINE]user: Well,. My old school closed and I took the credits from there to my new program at a new school. The fact that my school closed was not my fault, but does that mean that I am ineligible for the fulfillment of the loans I received at the closed school now? Or I could make an exception to the rule and let me keep the loan


user: Hello, I have an issue. I withdrew from school and I'm wondering about some things regarding the return of my loan funds.[NEWLINE]agent: You're in the right place then. Here you can learn more about the unpaid refund discharge to see whether you might qualify.[NEWLINE]agent: Did you withdraw from school after receiving a loan made under the William D. Ford Federal Direct Loan Direct Loan Program or Federal Family Education Loan FFEL Program?[NEWLINE]user: No, that isn't the case.[NEWLINE]agent: Did the school NOT make a required return of the loan funds after you withdrew?[NEWLINE]user: No, they returned the loan funds.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: So how much of my loan will be discharged if I was approved for that?[NEWLINE]agent: Only the portion of your loan that your school should have returned will be discharged. Contact your loan servicer for more information.[NEWLINE][BOUNDARY][NEWLINE]user: Is my service as a teacher eligible for loan forgiveness? In fact, I have taught full-time in a low-income school for eight complete and consecutive academic years.[NEWLINE]agent: Yes, you may be eligible for forgiveness of up to $ 17,500 on your Direct Subsidized and Unsubsidized Loans and your Subsidized and Unsubsidized Federal Stafford Loans[NEWLINE][BOUNDARY][NEWLINE]user: Can I receive loan forgiveness under both the Teacher Loan Forgiveness Program and the Public Service Loan Forgiveness Program?


user: How do I decide which income-driven repayment plan to choose within the FSA process?[NEWLINE]agent: Have you decided that an income-driven repayment plan is what you want to proceed with?[NEWLINE]user: Yes, that is my choice[NEWLINE]agent: In that case, you will need to choose the plan that will provide the most benefits to you which are based on your own personal circumstances[NEWLINE][BOUNDARY][NEWLINE]user: What does it mean when it says that I must be a new borrower to qualify for the PAYE Plan?[NEWLINE]agent: This means that you must have had no outstanding balance on a Direct Loan or FFEL Program loan when you received a Direct Loan or FFEL Program loan on or after Oct. 1, 2007, and you must have received a disbursement of a Direct Loan on or after Oct. 1, 2011[NEWLINE][BOUNDARY][NEWLINE]user: Okay, that's it. the direct loan is also something I'd like to know. Do we have the option of selecting a payment plan?[NEWLINE]agent: You have the option to choose a repayment plan. If you don’t choose a repayment plan your loan servicer places you on the Standard Repayment Plan.[NEWLINE]user: should I just let them leave me on the standard plan?[NEWLINE]agent: The Standard Repayment Plan saves you money over time because your monthly payments may be slightly higher than payments made under other plans, but you will pay off your loan sooner. You end up paying the least amount of interest over the life of your loan.[NEWLINE][BOUNDARY][NEWLINE]user: can I use other loans to have you look at when you work out the repayments on a Direct Consolidation Loan?


user: will my repayment plan be divided into similar payments?[NEWLINE]agent: No, your required monthly payment amount may increase or decrease if your income or family size changes from year to year.[NEWLINE]agent: Did you want to know more about recertification?[NEWLINE]user: no I need some other things[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: about how long will it take to pay back?[NEWLINE]agent: Income-driven repayment plans have different repayment periods.[NEWLINE][BOUNDARY][NEWLINE]user: Good to know! what are the different payment plans?. Is there a grace period after graduation?[NEWLINE]agent: After you leave school or drop below half-time enrollment, you have a six-month grace period sometimes nine months for Perkins Loans before you must begin making payments.[NEWLINE][BOUNDARY][NEWLINE]user: Would that be when I would have to begin making payments?[NEWLINE]agent: Once you graduate, drop below half-time enrollment, or leave school, your federal student loan goes into repayment.[NEWLINE]agent: Is your loan a Direct Subsidized, Direct Unsubsidized, or Federal Family Education Loan?[NEWLINE]user: Yes, it is.


user: I need help with understanding annual re-certification requirements on income and family size.[NEWLINE]agent: I can help you with that. It's very important that you re-certify your income and family size by the given annual deadline.[NEWLINE]agent: Have you recertified your income by the deadline?[NEWLINE]user: Yes, I have.[NEWLINE]agent: Excellent. Those who don't re-certify would be subject to varying consequences depending on their plan.[NEWLINE][BOUNDARY][NEWLINE]user: What are the consequences if you fail with that?. What if I am employed in more than one part-time skilled job at the same time?[NEWLINE]agent: You will be considered full time if you work a combined average of at least 30 hours per week with your employers.[NEWLINE][BOUNDARY][NEWLINE]user: Can you tell me more information on what are the advantages of applying for an income-driven repayment plan?[NEWLINE]agent: Completing the application allows you to select an income-driven repayment plan by name or  request that your loan servicer determine what plan you qualify for. The loan servicer would then place you on the plan with the lowest monthly payment.[NEWLINE][BOUNDARY][NEWLINE]user: Good to know, and regarding the gradual payment plan, for what types of loans can I be eligible with this type of plan?[NEWLINE]agent: The following loans from the William D. Ford Federal Direct Loan Direct Program and the FFEL Federal Family Education Loan Program are eligible for the Graduated Repayment Plan:[NEWLINE][BOUNDARY][NEWLINE]user: Alright. About the PAYE and IBR Plans. Is there a case if I have an outstanding Direct Loan balance?[NEWLINE]agent: If you have an outstanding balance on a Direct Loan or FFEL program loan when you received a loan on or after Oct. 1st 2007, you will not qualify for the PAYE plan.[NEWLINE][BOUNDARY][NEWLINE]user: How do REPAYE and ICR plans work?[NEWLINE]agent: Under these plans, your payment is always based on your income and family size, regardless of income changes. For example, if your income increases over time, your payment may be higher than the amount you would have to pay under the 10 year Standard Repayment Plan.[NEWLINE][BOUNDARY][NEWLINE]user: What repayment plan is available for FFEL program loans?


user: Hi, I'd like to know where can I get more information about income-based payment plans?[NEWLINE]agent:  Want more information about the income - driven repayment plans?[NEWLINE]user: yes[NEWLINE]agent: Explore our Questions and Answers page on Income Driven Plans[NEWLINE][BOUNDARY][NEWLINE]user: That's very intriguing, to say the least. I have a loan that is classified as FFEL Plus. Is that the kind of loan that qualifies for the lower payments?[NEWLINE]agent: It is. The Federal Family Education Loan Plus program is one of the types of loan under te reduced payments option.[NEWLINE]user: And what about Unsubsidized Federal Stafford Loans? I have an acquaintance that has one of those.[NEWLINE]agent: Yes, is it eligible too.[NEWLINE][BOUNDARY][NEWLINE]user: The way to repay my loan under this plan is still on a monthly basis, right?[NEWLINE]agent: That's correct. The payments are still on a monthly base, but they increase or decrease based on your annual income and are valid for a maximum time period of ten years.[NEWLINE][BOUNDARY][NEWLINE]agent: Do yo have more loans owned by U.S Department of Education?[NEWLINE]user: Yeah, i have two of them.


user: Will something happen if I don't get my income and family size recertified by the annual deadline?[NEWLINE]agent: It is really important to recertify before the annual deadline.[NEWLINE]agent: Do you need to know what happens if you don't recertify your income before the deadline?[NEWLINE]user: Yes, I would like to know the answer about recertifying my income.[NEWLINE]agent: The things that will happen vary depending on the plan you have.[NEWLINE][BOUNDARY][NEWLINE]user: I see, another question about student loan repayments, which loan servicers are used for making payments?[NEWLINE]agent: The US Depatment of Education has many loan servicers that handle the billing and other services on loans for William D. Ford Federal Direct Loan and for loans that will made under FFEL and ED purchased.[NEWLINE][BOUNDARY][NEWLINE]user: What will happen to my repayment plan if I don t recertify my income and family size by the annual deadline?[NEWLINE]agent: The same repayment plan would be enforced if you do not recertify your family size.[NEWLINE][BOUNDARY][NEWLINE]user: I just remember to ask about Eligible Federal Loans. Is this true for the unsubsidized Stafford loan?[NEWLINE]agent: Yes, Unsubsidized Federal Stafford Loans are eligible for the Graduated Repayment Plan[NEWLINE][BOUNDARY][NEWLINE]user: I would like to ask, how can I request a payment plan based on income? Also, what if I have income that is tax-free or if I simply have no income at all?[NEWLINE]agent: You would have to mark it the online application or paper application and you are not required to supply further documentation.[NEWLINE][BOUNDARY][NEWLINE]user: Are their other repayment options if I do not want an income-driven repayment plan?[NEWLINE]agent: You would need to contact your loan servicer and discuss repayments options such as extending our repayment period or temporarily suspend your repayment through deferment or forbearance.[NEWLINE][BOUNDARY][NEWLINE]user: Is there another option besides income-driven plans for PLUS loans for parents?


user: Hello i would like to get information about What types of federal student loans can I repay under an income-based repayment plan?[NEWLINE]agent: The table below shows the types of federal student loans you can pay under each of the income-based payment plans.[NEWLINE]user: What happens if I consolidate a FFEL Program Loan?[NEWLINE]agent: You can repay the Direct Consolidation Loan under the REPAYE, PAYE and ICR Plan depending on The type of loan you consolidate.[NEWLINE][BOUNDARY][NEWLINE]user: How do I see the plans?[NEWLINE]agent: Try This Resource Federal Student Loans: Paying Off Your Loans Provides information on federal student loan repayment plan options, finds loan history and loan managers, and makes payments.[NEWLINE][BOUNDARY][NEWLINE]user: I have another question about eligible federal loans that I'd like to ask. Is this valid for a stafford loan that isn't subsidized?[NEWLINE]agent: Yes, Unsubsidized Federal Stafford Loans are eligible for the Graduated Repayment Plan[NEWLINE][BOUNDARY][NEWLINE]user: how long will I have to make payments?[NEWLINE]agent: Monthly payments are made for up to 10 years for all loan types except Direct Consolidation Loans and FFEL Consolidation Loans[NEWLINE][BOUNDARY][NEWLINE]user: would a direct unsubsidized loan also be eligible for this repayment plan?


user: What is involved in applying for an income-driven repayment plan through the FSA?[NEWLINE]agent: Before any application is made, you are advised to contact your loan servicer if you have any queries or questions. Your loan servicer will be able to advise you which plan is the correct one for you[NEWLINE]user: How do I apply for an income-driven repayment plan?[NEWLINE]agent: You have t submit an application which is known as the Income-Driven Repayment Plan Request form[NEWLINE]user: Is my AGI ever used during my income-driven repayment plan application?[NEWLINE]agent: Have you filed a federal income tax return in the past two years?[NEWLINE]user: Yes I have[NEWLINE]agent: And may I ask, is your current income significantly different from the income that was reported on your most recent federal income tax return?[NEWLINE]user: Yes, it's quite different[NEWLINE]agent: null[NEWLINE][BOUNDARY][NEWLINE]user: Can I use other loans for me to look at when calculating repayments for a direct consolidation loan?


user: Hello, what are the low payments for federal loans?[NEWLINE]agent: Hay una tabla donde se relaciona el tipo de prestamo con los tipos de pagos basado en ingresos.[NEWLINE]agent: Puedes considerar un prestamo mediante el   programa FFEL o un préstamo federal Perkins.[NEWLINE]user: En que cosiste este tipo de plan?[NEWLINE]agent: Tiene como objetivo el reembolsar el Préstamo de Consolidación Directa bajo el Plan REPAYE, PAYE e ICR.[NEWLINE][BOUNDARY][NEWLINE]user: I'd like to inquire about Temporary Relief. Can we get assistance because of the coronavirus and the loss of our jobs?[NEWLINE]agent: Yes, federal student loan borrowers are automatically being placed in an administrative forbearance, which allows you to temporarily stop making your monthly loan payments. This suspension of payments will last from March 13, 2020, through Sept. 30, 2020.[NEWLINE][BOUNDARY][NEWLINE]user: If I have any questions regarding my loan that are not covered in the FAQs, where can I go for the information?[NEWLINE]agent: You can call the FedLoan Servicing at 1-855-265-4038.[NEWLINE][BOUNDARY][NEWLINE]user: How do I apply for a repayment plan based on my income?[NEWLINE]agent: It is important to note if you have filed a federal tax return in the past two years.[NEWLINE]user: What is the federal tax return?[NEWLINE]agent: You have to report your current income.[NEWLINE]user: Does the information in both scenarios have to match?[NEWLINE]agent: It is important to report adjusted gross income or alternative income documentation.[NEWLINE][BOUNDARY][NEWLINE]user: Do I need to know all the options to be able to cancel my aid loan?[NEWLINE]agent: Sure, an income-based plan is not recommended.[NEWLINE]user: What does this plan consist of?


user: Hello there. I need to know what happens if I miss the annual deadline to recertify my income.[NEWLINE]agent: Of course. It's important for you to recertify your income and family size by the specified annual deadline.[NEWLINE]agent: Did you NOT recertify your income by the deadline?[NEWLINE]user: No. I mean yes, but my case is a little specific.[NEWLINE]agent: Did you NOT recertify your income by the deadline and are you under the REPAYE plan?[NEWLINE]user: Yes. That's the issue.[NEWLINE]agent: Then you'll be removed from the REPAYE Plan and placed on an alternative repayment plan.[NEWLINE]user: By the way, for alternative repayment options.. well, I get it. What do I stay away from?[NEWLINE]agent: One thing you definitely want to avoid is going default! This occurs when you are at least nine months behind on your student loan. The consequences of default include damage to your credit rating and future indebtedness.[NEWLINE]user: On a similar note, what happens if I don't re certify my salary and family size? What happens if I have a different payment plan?[NEWLINE]agent: Under this alternative repayment plan, your required monthly payment is not based on your income.[NEWLINE][BOUNDARY][NEWLINE]user: Regarding the identification of my servicer, how can I find out who my loan servicer is?


user: Hello, I need to know what happens if I do not recertify my income and the size of my family?[NEWLINE]agent: It is vitally important to carry out such processes by the specified annual deadline to avoid penalties.[NEWLINE]agent: If you do not carry out such a process, I recommend that you recertify your income on the stipulated date.[NEWLINE]user: Can you tell me more about it?[NEWLINE]agent: If you do not carry out the process in the time limit, you will be presented with other options that you should take into account.[NEWLINE]user: Can you advise me more about that particular case please?[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: Can you explain what the AGI consists of?[NEWLINE]agent: Before continuing, can you tell me if you filed the federal tax return?[NEWLINE]user: What would happen if I did not do it?[NEWLINE]agent: It is important that current income is not different with what you reported on the tax return.[NEWLINE]user: What would happen if I did not make the declaration in the last years?[NEWLINE]agent: It can also be adjusted gross income or some alternative income report.[NEWLINE][BOUNDARY][NEWLINE]user: Another query regarding the standard repayment plan. Do we have the option of selecting a payment plan?[NEWLINE]agent: You have the option to choose a repayment plan. If you don’t choose a repayment plan your loan servicer places you on the Standard Repayment Plan.[NEWLINE][BOUNDARY][NEWLINE]user: Is there any other options for me if I've missed one or more loan payments?or if I can't make payments at all?


user: Hello, I would like to know how much you have to pay monthly for an income based payment plan?[NEWLINE]agent: The amounts can vary, it all depends on several factors.[NEWLINE]user: Can you advise me on recertifying?[NEWLINE]agent: It is vitally important that you enter another payment plan request based on income.[NEWLINE][BOUNDARY][NEWLINE]user: I have a further question about FFEL. What FFEL Programs Loans are eligible for someone in my position?[NEWLINE]agent: The subsidized and unsubsidized Federal Stafford Loans, FFEL PLUS loans, and FFEL Consolidation Loans are all available for Income-Sensitive Repayment Plan.[NEWLINE][BOUNDARY][NEWLINE]user: What if I have an FFEL Program loan owned by the US Department of Education?[NEWLINE]agent: You should contact your loan servicer.[NEWLINE][BOUNDARY][NEWLINE]user: What would my monthly payments look like under this Income-Sensitive Repayment plan?[NEWLINE]agent: Under this plan your monthly payments will increase or decrease based on your annual income and are made for a maximum of 10 years.[NEWLINE][BOUNDARY][NEWLINE]agent: Do you have an FFEL Program loan owned by the US Department of Education?


user: Can I get a teacher loan forgiveness?[NEWLINE]agent: Are you currently in default on a loan?[NEWLINE]user: No, I'm not.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: But in case I apply for a teacher loan forgiveness, what should I do if my loan is with a different loan servicers?[NEWLINE]agent: If that's the case, you should submit a separate form to each servicer.[NEWLINE][BOUNDARY][NEWLINE]user: I have another question about defaulting on my federal loan, would my late payment affect my future financial status?[NEWLINE]agent: Yes the consequences may affect your financial future so it is best to find out how to get out of default and take steps now.[NEWLINE][BOUNDARY][NEWLINE]user: very well. Now to apply for or create the loan that I need to make. Is the Parent PLUS Loan Eligible for Teacher Loan Forgiveness?[NEWLINE]agent: No, PLUS loans for parents aren't eligible for this type of forgiveness.[NEWLINE][BOUNDARY][NEWLINE]user: Okay, regarding my Perkins Loan, can I be eligible for all or part of it to be canceled?[NEWLINE]agent: Yes. If you have a Perkins Loan, you may get it discharged under certain conditions, which means you would no longer be obligated to pay back your loan.[NEWLINE][BOUNDARY][NEWLINE]user: By the way, As a full-time secondary school teacher, what is the maximum amount of loan forgiveness I can get?[NEWLINE]agent: If you didn't teach mathematics, science, or special education, you may receive up to 5000$ in loan forgiveness.[NEWLINE][BOUNDARY][NEWLINE]user: And what if I'm an AmeriCorps Program volunteer, there's anything I should be aware of when applying for a teacher loan forgiveness?


user: I want to know if I'm eligible for a teacher loan forgiveness.[NEWLINE]agent: Are you in default on a loan?[NEWLINE]user: I am, yes.[NEWLINE]agent: Then first you should make satisfactory repayment arrangements with the holder of the defaulted loan, if you don't do that first then you wouldn't be eligible.[NEWLINE][BOUNDARY][NEWLINE]user: And what do I have to do if the loans are with different loan servicers?[NEWLINE]agent:  just submit a separate form to each of the servicers.[NEWLINE][BOUNDARY][NEWLINE]user: In my case, I taught at school that was included in the TCLI Directory only during my first year of teaching. Would the rest of my teaching years be counted towards the 5 years to qualify for the teacher loan forgiveness?[NEWLINE]agent: Yes, don't worry, the rest of your teaching years on that school will be counted as well.[NEWLINE][BOUNDARY][NEWLINE]user: I'd also like to know on what do I need to do if I'm ready to apply for the unpaid refund discharge?[NEWLINE]agent: Then you must complete the Loan Discharge Application: Unpaid Refund and send the completed form to your loan servicer.[NEWLINE]user: What if I want to apply for an unpaid refund discharge, but my school has closed down?


user: I have a teacher loan forgiveness question on how much can be forgiven[NEWLINE]agent: If you qualify you may be be eligible for forgiveness of up to $17,500 on your Direct Subsidized and Unsubsidized Loans and your Subsidized and Unsubsidized Federal Stafford Loans.[NEWLINE]agent: Have you taught full-time for five complete and consecutive academic years in a low-income school or educational service agency?[NEWLINE]user: no, but almost there so just need information[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: what else do I need to be eligible for the $17,500 forgiveness?[NEWLINE]agent: Are you a highly qualified full-time mathematics or science teachers who taught students at the secondary level?[NEWLINE]user: no I teach English[NEWLINE]agent: Are you a highly qualified special education teacher at either the elementary or secondary level whose primary responsibility was to provide special education to children with disabilities?[NEWLINE]user: no just an English teacher[NEWLINE]agent: You don't qualify for the full $17,500 loan forgiveness.[NEWLINE][BOUNDARY][NEWLINE]user: I do not understand why I do not qualify what I am missing?. How is my loan repayment amount calculated?[NEWLINE]agent: The amount of your discretionary income is calculated by examining your adjusted gross income from your most recent federal income tax return that exceeds 150 percent of the poverty guideline amount for your state and family size.[NEWLINE]user: I have another question about eligibility requirements for Federal Perkins Loans. What is the basis of eligibility for teacher cancellation?


user: what can we get forgiven on a teacher loan?[NEWLINE]agent: The maximum forgiveness amount is either $17,500 or $5,000, depending on the subject area taught.[NEWLINE]agent: Do you have eligible loans under both the Direct Loan Program and the FFEL Program?[NEWLINE]user: yes I do[NEWLINE]agent:  $17,500 or $5,000 is a combined maximum forgiveness amount for both programs[NEWLINE][BOUNDARY][NEWLINE]user: Are Direct Unsubsidized Loans Available For Undergraduate Students?[NEWLINE]agent: Yes, Direct Unsubsidized Loans are available to undergraduate and graduate students; there is no requirement to demonstrate financial need.[NEWLINE][BOUNDARY][NEWLINE]user: Another query about payment suspension during the COVID 19 national emergency. If I have the opportunity to make a payment or two, I can do so, right?[NEWLINE]agent: Yes, no problem. But if you can't  do it, you can skip them during this period of time.[NEWLINE][BOUNDARY][NEWLINE]user: Can I ask another question regarding loan forgiveness, is it easy to do or are there some extra steps not described?[NEWLINE]agent: Were you a highly qualified full-time mathematics or science teacher who taught students at the secondary school level?[NEWLINE]user: No I wasn't[NEWLINE]agent: Were you a highly qualified special education teacher whose primary responsibility was to provide special education to children with disabilities?[NEWLINE]user: No I didn't work with special ed students[NEWLINE]agent: You are not eligible for the combined maximum forgiveness amount[NEWLINE][BOUNDARY][NEWLINE]user: what loan forgiveness can I get for a Federal Consolidation Loan?


user: Hey, greetings to you. You know, i got a student loan, so i have to repay it, but i got a teacher job too. That counts for anything on the loan?[NEWLINE]agent: It does, indeed. Being a teacher can be useful for you, as you can get a loan forgiveness, Which amount can be $17,000 or $5,000, depending on the subject area taught.[NEWLINE]agent: I have to ask, Do you have any loan under both the Direct Loan Program and the FFEL Program?[NEWLINE]user: No, i don't have any loan under any of that.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: No problem. Say, if i have a plus loan or that other one, Federal Perkins, i still can use forgiveness?[NEWLINE]agent: Sadly, that's a no. The Plus loans and Federal Perkins Loans are out for this forgiveness. However, you could still be eligible to cut down your Federal Perkins loan based on your employment or volunteer service.[NEWLINE][BOUNDARY][NEWLINE]user: Where can I seem further information to help cut down my Federal Perkins loan?[NEWLINE]agent: If you have any questions, you can contact FedLoan Servicing to answer questions about it.[NEWLINE]user: I still have more questions for you, can you help me?[NEWLINE]agent: Check the page on asking frequently asked PSLF.[NEWLINE][BOUNDARY][NEWLINE]user: What are federal programs? and what conditions must be met to be approved?


user: I need to know if I'm teaching at a low-income school or educational service agency, please[NEWLINE]agent: The school or educational services agency must be listed in the Teacher Cancellation  Low Income (TCLI) Directory, published each year by the US Department of Education.[NEWLINE]agent: Have you found out if your school or educational services agency is classified as low income?[NEWLINE]user: Not yet[NEWLINE]agent: Is the TCLI Directory available before May 1?[NEWLINE]user: No, just after May 1[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: What if I am applying for forgiveness of loans that are with different loan servicers?[NEWLINE]agent: In that case, you must submit a separate form to each of them[NEWLINE][BOUNDARY][NEWLINE]user: What if I'm a member of AmeriCorps, the Peace Corps, or the US Department of Defense is paying off my debt?[NEWLINE]agent: There are special rules that allow borrowers who are AmeriCorps or Peace Corps volunteers to use their Segal Education Award or Peace Corps transition payment to make a one-time payment that can count up to 12 qualified PSLF payments.[NEWLINE][BOUNDARY][NEWLINE]user: What if I am employed in more than one qualified part-time job at the same time?


user: If I have a defaulted loan, am I eligible for teacher loan forgiveness?[NEWLINE]agent: Are you currently in default with your loan?[NEWLINE]user: Yes, unfortunately, I am[NEWLINE]agent: You will not be eligible for forgiveness of that loan unless you make satisfactory arrangements with the holder of the defaulted loan[NEWLINE][BOUNDARY][NEWLINE]user: I see. Another question for my loan default, what if my school failed to return the loan funds after I withdrew?[NEWLINE]agent: This may make you eligible for a discharge of the loan money that your school failed to return.[NEWLINE][BOUNDARY][NEWLINE]user: What if my parents received a Direct PLUS loan for my education? Does the loan still qualify?[NEWLINE]agent: yes. If your school did not return the loan money, that amount will be discharged.[NEWLINE]agent: Did the school refuse to make a required return of your parent's PLUS loan funds?[NEWLINE]user: No.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: How do I find out who my loan servicer is?


user: I'm part of the teacher loan program and I wanted to know if I can receive loan forgiveness or not.[NEWLINE]agent: Of course. You can potentially receive forgiveness under both the Teacher Loan Forgiveness Program and the Public Service Loan Forgiveness Program, but not for the same period of teaching service.[NEWLINE]user: Well, what if I complete five years of qualifying teaching and then I get forgiveness of my Direct Loans?[NEWLINE]agent: If you complete five consecutive years of qualifying teaching and receive forgiveness of your Direct Loans under the Teacher Loan Forgiveness Program, any payments you made on your Direct Loans during that five-year period can not be counted toward the required 120 monthly payments for the Public Service Loan Forgiveness Program.[NEWLINE][BOUNDARY][NEWLINE]user: Alright, that makes sense. And what if I'm applying for forgiveness of loans from different loan servicers?[NEWLINE]agent: In that case you must submit a separate form to each of them.[NEWLINE][BOUNDARY][NEWLINE]user: Good to know. I have another question regarding my federal student loan. What should I do in order to get discharge for my loan?[NEWLINE]agent: It is very important for you to obtain your academic and financial aid records if your school closes since you might need those records if you plan to attend another school or want your student loans discharged.[NEWLINE]user: What would I need from this school if I am planning on completing my education elsewhere?[NEWLINE]agent: You will need to obtain your academic and financial records if you plan to attend another school.[NEWLINE][BOUNDARY][NEWLINE]user: Are you able to answer questions about benefits I may have by receiving a closed school loan discharge?[NEWLINE][BOUNDARY][NEWLINE]agent: Are you inquiring about the benefits you would receive by obtaining a closed school loan discharge?[NEWLINE]user: Yes, I am.


user: Hello, I want to know if my federal student loans can be forgiven if I have worked as a teacher.[NEWLINE]agent: Of course. Learn about the forgiveness program to see whether you qualify.[NEWLINE]agent: Did you teach full-time for five complete and consecutive academic years in a low-income school or educational service agency, and do you meet the other listed qualifications?[NEWLINE]user: Yes, I do![NEWLINE]agent: Then you may be eligible for forgiveness of up to $ 17,500 on your Direct Subsidized and Unsubsidized Loans and your Subsidized and Unsubsidized Federal Stafford Loans.[NEWLINE]user: I see this is something that I'm looking for, because of the covid19 outbreak. Does this count? I mean, this is covered?[NEWLINE]agent: Yes, there are special measures that has been taken about this, which will last from march 13 through sept 30 of 2020.[NEWLINE]user: I'm wondering if my service as a teacher will help me in getting my federal consolidation loan forgiven?[NEWLINE]agent: In that case you may be eligible for forgiveness of the outstanding portion of the consolidation loan that repaid an eligible Direct Subsidized Loan, Direct Unsubsidized Loan, Subsidized Federal Stafford Loan, or Unsubsidized Federal Stafford Loan.[NEWLINE][BOUNDARY][NEWLINE]user: I have a loan question. What types of loans qualify?[NEWLINE]agent: Any loan received under the William D. Ford Federal Direct Loan Direct Loan Program would qualify for PSLF.[NEWLINE][BOUNDARY][NEWLINE]user: Okay. May I know the eligibility requirements for Direct Loans or Federal Family Education Loan FFEL Program loans?[NEWLINE]agent: Well, you must not have had an outstanding balance on Direct Loans or Federal Family Education Loan FFEL Program loans as of Oct. 1, 1998, or on the date that you obtained a Direct Loan or FFEL Program loan after Oct. 1, 1998.[NEWLINE][BOUNDARY][NEWLINE]user: Now that's interesting, thank you. What do I need to do to receive the maximum $ 17,500 in loan forgiveness?[NEWLINE]agent: Are you a highly qualified full-time mathematics or science teacher who taught students at the secondary school level?[NEWLINE]user: No, sorry.[NEWLINE]agent: Are you a highly qualified special education teacher at either the elementary or secondary level whose primary responsibility was to provide special education to children with disabilities?[NEWLINE]user: No, I'm not.


user: How much loan forgiveness could I possibly get?[NEWLINE]agent: The most loan forgiveness you could get is either$17,500 or $5,000 and it is determined by what subject area you taught.[NEWLINE]user: What if I have eligible loans under both Direct Loan and FFEL Program?[NEWLINE]agent: You still can only receive a combined maximum forgiveness of $17,500 or $5,000.[NEWLINE][BOUNDARY][NEWLINE]user: May I ask something else? regarding under both Direct Loan. can I use time spent at church to be considered a full time employee?[NEWLINE]agent: Time spent on religious instruction or worship services may not be counted toward meeting the full-time employment requirement.[NEWLINE][BOUNDARY][NEWLINE]user: On the repayment plans to qualify do the payments stay the same or can they increase?[NEWLINE]agent: Your payment may increase depending on your income and the amount that you owe. If you do not want the possibility of higher payments then the PSLF Program may not be for you[NEWLINE][BOUNDARY][NEWLINE]user: How soon can I get into public service loan forgiveness?[NEWLINE]agent: You have to make 120 qualifying monthly payments so it will take at least 10 years before you can qualify.[NEWLINE]agent: Are you working toward PSLF?[NEWLINE]user: yes


user: I want to find out more about who is handling my school loan[NEWLINE]agent: We can help you learn about the role that student loan servicers play in the repayment process and which servicer handles your federal student loans[NEWLINE][BOUNDARY][NEWLINE]user: where do I go for info if the loan isn't with the Department of Education?[NEWLINE]agent: Do you have FFEL Program loans that are not owned by ED?[NEWLINE]user: yes[NEWLINE]agent: You should contact your servicer[NEWLINE][BOUNDARY][NEWLINE]user: what do I do after I get the welcome letter on a loan transfer?[NEWLINE]agent: You should start sending in payments to the new servicer[NEWLINE][BOUNDARY][NEWLINE]user: That's great to hear! Can you tell me on what options do I have if I'm struggling in making payments on my federal student loans?[NEWLINE]agent: The section Trouble Making Your Federal Student Loan Payments  will provide the information on what to do if you are having trouble making your student loan payments.[NEWLINE][BOUNDARY][NEWLINE]user: I am having trouble making payments, what can I do?


user: I'd like to know what I can expect from the person in charge of my Student Loan.[NEWLINE]agent: We can provide information about the role that student loan servicers play in the repayment process and which servicer handles your federal student loans.[NEWLINE][BOUNDARY][NEWLINE]user: How do I find out who my servicer is?[NEWLINE]agent: You can find that out by calling the Federal Student Aid Information Center FSAIC at 1-800-433-3243.[NEWLINE][BOUNDARY][NEWLINE]user: There is something else about Federal Student Loan, can you give me more information about the types of repayment plans available?[NEWLINE]agent: Actually, besides for paying off your loan, there is also a possibility of having your student loan forgiven as well.[NEWLINE][BOUNDARY][NEWLINE]user: Is there a grace period after graduation?[NEWLINE]agent: After you leave school or drop below half-time enrollment, you have a six-month grace period sometimes nine months for Perkins Loans before you must begin making payments.[NEWLINE][BOUNDARY][NEWLINE]user: Would that be when I would have to begin making payments?[NEWLINE]agent: Once you graduate, drop below half-time enrollment, or leave school, your federal student loan goes into repayment.[NEWLINE]agent: Is your loan a Direct Subsidized, Direct Unsubsidized, or Federal Family Education Loan?[NEWLINE]user: Yes, it is.


user: hi could you tell me who is my student loan manager?[NEWLINE]agent: Of course Learn about the role student loan servicers play in the repayment process and which servicer handles your federal student loans[NEWLINE][BOUNDARY][NEWLINE]user: and how do I find out who my loan manager is?[NEWLINE]agent: very easy call the FSAIC Federal Student Aid Information Center at 1 - 800 - 433 - 3243.[NEWLINE][BOUNDARY][NEWLINE]user: I'd like to ask regarding student loan manager.[NEWLINE]agent: For most federal student loan types, after you graduate, leave school, or drop below half - time enrollment, you have a six - month grace period sometimes nine months for Perkins Loans before you must begin making payments. This grace period gives you time to get financially settled and to select your repayment plan. Not all federal student loans have a grace period. Note that for most loans, interest accrues during your grace period. You can choose to pay the interest that accrues during your grace period. This prevents that interest from being added to the principal balance also known as interest capitalization. How long do federal student loans have a grace period?[NEWLINE][BOUNDARY][NEWLINE]user: Do I really have a grace period of six month?[NEWLINE]agent: Yes, you have a six-month grace period before you have to start paying back your student loans and nine months if you have a Perkins Loan.[NEWLINE][BOUNDARY][NEWLINE]user: What loan servicers are used to make payments to?[NEWLINE]agent: The US Depatment of Education has many loan servicers that handle the billing and other services on loans for William D. Ford Federal Direct Loan and for loans that will made under FFEL and ED purchased.[NEWLINE]agent: Did you set up automatic monthly debit payments for your loan from your checking or savings?[NEWLINE]user: No, I have not set up automatic payments.[NEWLINE]agent: Do you send your payment by mail?


user: Hello, I would like to know Who is my student loan administrator?[NEWLINE]agent: It is important to first know the role that student loan administrators play in the repayment process and which administrator handles your federal student loans.[NEWLINE][BOUNDARY][NEWLINE]user: What should I do when I receive the welcome letter from my new administrator?[NEWLINE]agent: You must do the following, do you want to know?[NEWLINE][BOUNDARY][NEWLINE]user: I need to know more about  after graduation?  What is the grace period for federal student loans?[NEWLINE]agent: For federal student loans the grace period is after you graduate, leave school, or drop below half-time, you would have a six month grace period and sometimes 9 months for Perkins Loans.[NEWLINE][BOUNDARY][NEWLINE]user: Do I really have a grace period of six month?[NEWLINE]agent: Yes, you have a six-month grace period before you have to start paying back your student loans and nine months if you have a Perkins Loan.[NEWLINE][BOUNDARY][NEWLINE]user: What loan servicers are used to make payments to?[NEWLINE]agent: The US Depatment of Education has many loan servicers that handle the billing and other services on loans for William D. Ford Federal Direct Loan and for loans that will made under FFEL and ED purchased.[NEWLINE]agent: Did you set up automatic monthly debit payments for your loan from your checking or savings?[NEWLINE]user: No, I have not set up automatic payments.[NEWLINE]agent: Do you send your payment by mail?


user: Hello, I came here to learn more about my student loan servicer.[NEWLINE]agent: Then you're in the right place. Here you can learn about the role that student loan servicers play in the repayment process and which servicer handles your federal student loans.[NEWLINE][BOUNDARY][NEWLINE]user: If I contact you, can you tell my loan status?[NEWLINE]agent: Yes, we can tell you your loan status.[NEWLINE][BOUNDARY][NEWLINE]user: Understood, another question, could you give me more information about the types of payment plans that are available?[NEWLINE]agent: Actually, besides for paying off your loan, there is also a possibility of having your student loan forgiven as well.[NEWLINE][BOUNDARY][NEWLINE]user: Is there a grace period after graduation?[NEWLINE]agent: After you leave school or drop below half-time enrollment, you have a six-month grace period sometimes nine months for Perkins Loans before you must begin making payments.[NEWLINE][BOUNDARY][NEWLINE]user: Would that be when I would have to begin making payments?[NEWLINE]agent: Once you graduate, drop below half-time enrollment, or leave school, your federal student loan goes into repayment.[NEWLINE]agent: Is your loan a Direct Subsidized, Direct Unsubsidized, or Federal Family Education Loan?[NEWLINE]user: Yes, it is.


user: Hello, I would like to know Who is my student loan administrator?[NEWLINE]agent: Of course, we can also help you learn about the role student loan administrators play in the repayment process and which administrator handles your federal student loans.[NEWLINE][BOUNDARY][NEWLINE]user: Who should I contact for information on loans?[NEWLINE]agent: Is your loan for the current or next school year?[NEWLINE]user: yes for the current school year[NEWLINE]agent: In that case contact your school's financial aid office directly for information on[NEWLINE][BOUNDARY][NEWLINE]user: Another question, these days a private company contacted me to ask me to pay the registration fees, is that normal?[NEWLINE]agent: in that case it is not us, you must withdraw it is a scam.[NEWLINE][BOUNDARY][NEWLINE]user: Ok thank you, I would also like to know about the problems when making the payment of my loan, where do I find information if it happens that I have problems paying my federal student loan?[NEWLINE]agent: The section Trouble Making Your Federal Student Loan Payments  will provide the information on what to do if you are having trouble making your student loan payments.[NEWLINE][BOUNDARY][NEWLINE]user: I am having trouble making payments, what can I do?


user: What can I learn about my student loan servicer?[NEWLINE]agent: You can learn about the student loan servicers and what role they play in the repayment process.[NEWLINE][BOUNDARY][NEWLINE]user: What will happen if my loan is transferred to another loan servicer?[NEWLINE]agent: You should receive an email or letter from your assigned servicer to tell you about the transfer.[NEWLINE][BOUNDARY][NEWLINE]user: What if I have FFEL Program loans that are not owned by ED?[NEWLINE]agent: Then you would need to contact your servicer for details about repayment options and tools.[NEWLINE][BOUNDARY][NEWLINE]user: What if my federal student loan was transferred from one servicer to a different one?[NEWLINE]agent: The transfer just means that a new servicer will provide the support you need to repay your loans; but is still owned by ED.[NEWLINE][BOUNDARY][NEWLINE]user: I have another concern about interest on federal student loans. What would I do if I'm having trouble making payments on my federal student loans?[NEWLINE]agent: The section Trouble Making Your Federal Student Loan Payments  will provide the information on what to do if you are having trouble making your student loan payments.[NEWLINE][BOUNDARY][NEWLINE]user: I am having trouble making payments, what can I do?


user: hi[NEWLINE]agent: For that kind of matters, you can use our information tools to determine which servicer handles your student loans.[NEWLINE][BOUNDARY][NEWLINE]user: O.k, but what if my student loans are from a servicer which is not with the Department of Education?[NEWLINE]agent: For those kind of loans, you'll have to contact the servicer itself to get any details about it and any other data related to repayment options and tools.[NEWLINE][BOUNDARY][NEWLINE]user: I'm still hoping to learn the status of my loan payment. What would I do if I'm having trouble making payments on my federal student loans?[NEWLINE]agent: The section Trouble Making Your Federal Student Loan Payments  will provide the information on what to do if you are having trouble making your student loan payments.[NEWLINE][BOUNDARY][NEWLINE]user: I am having trouble making payments, what can I do?


user: Hi, I need to know who my loan manager is, please.[NEWLINE]agent: This loan servicer is intended to manage your federal student loans[NEWLINE][BOUNDARY][NEWLINE]user: What requirements should be managed for non-ED loans?[NEWLINE]agent: FFEL Program loans are unrelated to others[NEWLINE]user: The FFEL Program loan is linked to ED[NEWLINE]agent: Your administrator must have all this information at hand[NEWLINE][BOUNDARY][NEWLINE]user: Those loans is for this or the other year?[NEWLINE]agent: Your school's financial aid office must have that information[NEWLINE][BOUNDARY][NEWLINE]user: That's great to hear! Another Trouble Making Your Federal Student Loan Payments related issue. What would I do if I'm having trouble making payments on my federal student loans?[NEWLINE]agent: The section Trouble Making Your Federal Student Loan Payments  will provide the information on what to do if you are having trouble making your student loan payments.[NEWLINE][BOUNDARY][NEWLINE]user: I am having trouble making payments, what can I do?


user: Hello, i'm about to start my loan repayment and was told about some counseling, Would you help me there, please?[NEWLINE]agent: O.k, lets check. You probably mean Exit Counseling. Are you familiarized with that figure?[NEWLINE]user: No, i'm afraid not.[NEWLINE][BOUNDARY][NEWLINE]agent: O.K. Do you even know if you are eligible to that option?[NEWLINE]user: Ah, yeah, yeah. That i read about it. I think it has to do with folks that have taken loans or something, right?[NEWLINE]agent: Well, yeah, kinda. It is meant for those students who have received a loan, under the subsidized, unsubsidized or plus options, but have graduated or leave school.[NEWLINE][BOUNDARY][NEWLINE]user: By the way, could you please give me more information about what is a TEACH Grant?[NEWLINE]agent: It's a program that provides funds to students who are completing or who plan to complete coursework that is required to begin a career in teaching, and agree to teach full time for at least four years at an elementary school, secondary school  or educational service agency that serves students from low-income families and to meet other requirements[NEWLINE][BOUNDARY][NEWLINE]user: Who should complete this program?[NEWLINE]agent: Students who are receiving a TEACH Grant  and who have completed TEACH Initial and Subsequent Counseling for the same Award Year[NEWLINE][BOUNDARY][NEWLINE]user: ow long will it take  the ATS process?


user: Hello, how you doing? Please i need some guidance about the exit counseling option, because i'm on a Federal Loan program.[NEWLINE]agent: Greetings. Lets see. Do you know anything about Exit Couseling?[NEWLINE]user: No, sorry, but i don't too much of it.[NEWLINE][BOUNDARY][NEWLINE]agent: But you are aware about who are supposed to go through it?[NEWLINE]user: Oh yeah, I was told that it goes for those who have a federal loan but has some kind of specifics conditions, is that right?[NEWLINE]agent: You're not mistaken. Effectively, Exit Counseling is reserved for those students who want to prepare themselves for repaying their loans, being these from federal programs. In any case, you must go through counseling each time you drop below half-time enrollment, you graduate or you leave the school.[NEWLINE][BOUNDARY][NEWLINE]user: Ah, so that is what entrance counseling is for. So, what if I'm completing entrance counseling to borrow a loan as an undergraduate student?[NEWLINE]agent: Then the entrance counseling will fulfill counseling requirements for Direct Subsidized Loans and Direct Unsubsidized Loans.[NEWLINE][BOUNDARY][NEWLINE]user: Makes sense. And how long is this supposed to take?[NEWLINE]agent: The entire counseling process must be completed in a single session. Most people complete counseling in 20 - 30 minutes.[NEWLINE][BOUNDARY][NEWLINE]user: I see, where can I find more information about that?


user: What exactly is Exit Counseling?[NEWLINE]agent: Has someone explained to you what Exit Counseling is pertaining to your federal student loan?[NEWLINE]user: No one has explained to me what Exit Counseling is?[NEWLINE][BOUNDARY][NEWLINE]agent: Do you know that you are supposed to complete Exit Counseling because you have received a subsidized, unsubsidized or PLUS loan under the Direct Loan Program?[NEWLINE]user: No, I was never told about Exit Counseling and that I should complete it.[NEWLINE][BOUNDARY][NEWLINE]agent: Do you know how long it would take for the entire Exit Counseling session?[NEWLINE]user: No, I do not know how long the session would take.[NEWLINE][BOUNDARY][NEWLINE]agent: Do you know what you need to complete the session?[NEWLINE]user: Yes, I know I need my Verified FSA ID.[NEWLINE]agent: Yes, you are correct that you need a Verified FSA ID.[NEWLINE][BOUNDARY][NEWLINE]user: Who should complete the Exit Counseling?


user: need exit counseling info[NEWLINE]agent: Would you like to know more about Exit Counseling?[NEWLINE]user: yes please[NEWLINE]agent: Exit counseling provides information to prepare you to repay your federal student loan.[NEWLINE]user: Do I need the counseling for any loan?[NEWLINE]agent: If you have received a subsidized, unsubsidized or PLUS loan under the Direct Loan Program or the FFEL Program, you must complete exit counseling when certain events occur.[NEWLINE][BOUNDARY][NEWLINE]user: Now, regarding FSA, what do I need in order to complete my position as a co-signer with the FSA?[NEWLINE]agent: Initially, you will need to be logged in with your own personal FSA ID in order to co-sign the applicant's IDR request[NEWLINE][BOUNDARY][NEWLINE]user: How long should it normally take to complete my role as a co-signer?[NEWLINE]agent: Your role is normally completed in one session, which most people manage to complete in 10 minutes[NEWLINE][BOUNDARY][NEWLINE]user: How does my spouse provide me with a co-sign code during the Income-Driven Repayment Plan Request?


user: Can you please tell me about exit counseling?[NEWLINE]agent: Are you preparing to repay a federal student loan?[NEWLINE]user: I am indeed preparing to pay off my loan.[NEWLINE]agent: Exit counseling provides important information to prepare you to repay your federal student loan.[NEWLINE]agent: Have you received a subsidized, unsubsidized or PLUS loan under the Direct Loan Program or the FFEL Program?[NEWLINE]user: Yes, I have.[NEWLINE]agent: If you have received a subsidized, unsubsidized or PLUS loan under the Direct Loan Program or the FFEL Program you must complete the exit counseling.[NEWLINE][BOUNDARY][NEWLINE]user: How long does the counseling process take?[NEWLINE]agent: The entire counseling process must be completed in a single session and most people complete it in twenty to thirty minutes.[NEWLINE][BOUNDARY][NEWLINE]user: Do I need anything with me in order to complete the counseling?[NEWLINE]agent: You will need your verified FSA ID.[NEWLINE][BOUNDARY][NEWLINE]user: Who should complete this exit counseling?


user: I've heard about exit counseling and I came here wanting to know what exactly that is and how it works. Can you please tell me more about it?[NEWLINE]agent: Of course. Are you wondering what exit counseling is?[NEWLINE]user: Yes, like I mentioned above.[NEWLINE]agent: Well, exit counseling provides important information to prepare you to repay your federal student loan.[NEWLINE]user: What if I have received a PLUS loan under the Direct Loan Program?[NEWLINE]agent: In that case you must complete exit counseling each time you drop below half-time enrollment, graduate or leave the school.[NEWLINE][BOUNDARY][NEWLINE]user: I have another question about exit counseling. O.k, I guess that takes a lot of sessions, right? I mean, is it made over many days?[NEWLINE]agent: Nothing like that. Counseling for this program is quite simple, so it won't take more than 20 or 30 minutes.[NEWLINE][BOUNDARY][NEWLINE]user: Really? Wow, that's a relief. Don't get me wrong, but sometimes these things takes way too long. Anyway, another question. In something called Agreement to Serve, Who must do that?[NEWLINE]agent: Well, that  would be for those students who are receiving a TEACH Grant, and passed their TEACH Initial and Subsequent Counseling for the same Award Year.[NEWLINE][BOUNDARY][NEWLINE]user: Oh right, Seem kinda obvious. Lastly, going back to the TEACH counselling, What do  need to access that?


user: Why do I need exit counseling when dealing with federal student aid?[NEWLINE]agent: Do you know what Exit Counseling is?[NEWLINE]user: Actually, I do not know exactly what it is.[NEWLINE][BOUNDARY][NEWLINE]agent: Do you know who should complete the exit counseling?[NEWLINE]user: Yes, I know I am supposed to complete it but not why.[NEWLINE]agent: It is a step required for students who leave school, graduate, or fall below half-time student for PLUS loan, subsidized or unsubsidized loan under the Direct Loan Program or the FFEL Program.[NEWLINE][BOUNDARY][NEWLINE]user: What information does exit counseling provide?[NEWLINE]agent: Exit counseling gives important information that helps you prepare to repay your federal student loan.[NEWLINE]user: Alright. I'd also like to know about FFEL Program. And what should I do to receive a Direct PLUS Loan?[NEWLINE]agent: Before you can receive a Direct PLUS Loan, you must complete a Direct PLUS Master Promissory Direct PLUS Loan MPN promissory note, which explains all the terms and conditions of Direct PLUS loans and constitutes your legally binding agreement to pay all Direct PLUS loans that receive under the Direct PLUS MPN loan[NEWLINE][BOUNDARY][NEWLINE]user: And how do I apply for a PLUS loan?


user: exit counseling info[NEWLINE]agent: Did you want to know what Exit Counseling is?[NEWLINE]user: yes[NEWLINE]agent: Exit counseling provides important information to prepare you to repay your federal student loan[NEWLINE]agent: Have you received a subsidized, unsubsidized or PLUS loan under the Direct Loan Program or the FFEL Program?[NEWLINE]user: no, just wanted to be prepared[NEWLINE][BOUNDARY][NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: what will I need to have to do this counseling?[NEWLINE]agent: You will need a verified FSA ID[NEWLINE][BOUNDARY][NEWLINE]user: Are you familiar with the term "co-signer"? What if I don't have access to a reference number or a code for co-signing?[NEWLINE]agent: Then you should contact the IDR applicant because an email was sent to them containing the reference number or co-sign code.[NEWLINE]user: I do not know where the reference number or co-sign code is, how can i get it?


user: I need some information about the Graduated Repayment Plan.[NEWLINE]agent: I can assist you with that. The Graduated Repayment Plan allows you to start your loan with smaller payments that will increase every two years. You will make these payments for up to 10 years, depending on the amount of your loan.[NEWLINE]agent: Are you considered low income right now, but expect your income to increase over time?[NEWLINE]user: No, I'm not considered low income.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: Do the payments differ for someone with a direct consolidation loan?[NEWLINE]agent: Yes. The length of your repayment period will depend on the amount of your total education loan debt.[NEWLINE][BOUNDARY][NEWLINE]user: for Federal Loans That Are Eligible What about direct loans that are subsidized?[NEWLINE]agent: Yes, they are eligible[NEWLINE][BOUNDARY][NEWLINE]user: how do I report school loans I want taken into consideration when my repayment period is worked out for a direct consolidation loan?[NEWLINE]agent: You need to list those loans on your consolidation application in the section for listing loans that you do not want to consolidate, but want to be considered in the determination of your repayment period.[NEWLINE]user: what kind of loans can I list on there?


user: I heard about a repayment plan which isn't all at once and would like information.[NEWLINE]agent: Yes the Graduated Repayment Plan starts with lower payments that increase every two years, and payments are made for up to 10 years between 10 and 30 years for consolidation loans.[NEWLINE]agent: Are you in a low paying job?[NEWLINE]user: Yes and I was worried about being hampered by huge debt repayment.[NEWLINE]agent: Well if your income is low now but you expect it to increase steadily over time, this plan may be right for you.[NEWLINE]user: May I ask another question about the life plan's interest? And how much would it cost me?[NEWLINE]agent: you will pay the least amount of interest over the life of your plan.[NEWLINE][BOUNDARY][NEWLINE]user: Good to know. Do you know this plan? Are all federal student aid eligible for this graduate rebate?[NEWLINE]agent: A list of loans from the William D. Ford Federal Direct Loan Program and the Federal Family Education Loan FFEL Program which are eligible for the Graduated Repayment Plan can be found here.[NEWLINE]user: I'm looking for information on FFEL PLUS Loans. Are there any other types of loans that are available for this program?[NEWLINE]agent: FFEL Consolidation Loans are also eligible for the Income-Sensitive Repayment Plan.[NEWLINE]user: another question about Eligible Federal Loans. Does the list include the Direct Subsidized Loans?[NEWLINE]agent: Yes it is eligible.[NEWLINE][BOUNDARY][NEWLINE]user: How often must I make a payment my loan?[NEWLINE]agent: You must make monthly payments.[NEWLINE][BOUNDARY][NEWLINE]user: Are there criteria for the amount that I must pay?


user: Hello, I would like to obtain information about The Graduate Payment Plan[NEWLINE]agent: Payments are made for up to 10 years between 10 and 30 years for consolidation loans.[NEWLINE]agent: Are your income low now?[NEWLINE]user: yes[NEWLINE]agent: If your income is low now, but you expect it to increase steadily over time, this plan may be right for you.[NEWLINE][BOUNDARY][NEWLINE]user: good to know, but does this plan apply to all loans?[NEWLINE]agent: Yes, it is, except for the direct consolidation loans and feel consolidation loans.[NEWLINE][BOUNDARY][NEWLINE]user: I'm also interested in learning more about Eligible Federal Loans. What kinds of loans am I eligible for?[NEWLINE]agent: The following loans from the William D. Ford Federal Direct Loan Direct Program and the FFEL Federal Family Education Loan Program are eligible for the Graduated Repayment Plan:[NEWLINE][BOUNDARY][NEWLINE]user: So,  What if I have an income that is not taxed or do not have an income at all?[NEWLINE]agent: You would have to mark it the online application or paper application and you are not required to supply further documentation.[NEWLINE][BOUNDARY][NEWLINE]user: I'd like to ask you another question about the Graduated Repayment Plan. What kinds of loans am I eligible for?[NEWLINE]agent: The following loans from the William D. Ford Federal Direct Loan, Direct Loan Program, and the Federal Family Education Loan FFEL Program are eligible for the Graduated Repayment Plan: Direct Subsidized Loans, Direct Unsubsidized Loans, Direct PLUS Loans, Direct Consolidation Loans, Subsidized Federal Stafford Loans, Unsubsidized Federal Stafford Loans, FFEL PLUS Loans, and FFEL Consolidation Loans.[NEWLINE]user: What programs are eligible for the Graduate Payment Plan?[NEWLINE]agent: William D. Ford Federal Direct Loan Direct Program and Federal Family Education Loan Program FFEL[NEWLINE][BOUNDARY][NEWLINE]user: And what about the monthly payments for consolidation loans?


user: Hello, I would like to know what the Graduate Payment Plan is like[NEWLINE]agent: Of course Payments are made for up to 10 years between 10 and 30 years for consolidation loans[NEWLINE]agent: Your income is low now, but do you expect it to increase steadily over time?[NEWLINE]user: no[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: and how are the monthly payments in this plan?[NEWLINE]agent: Under this plan, your monthly payments start low and increase every two years[NEWLINE][BOUNDARY][NEWLINE]user: another question for you regardingE l g b.Btw, for XXXX. what about direct subsidized loans?[NEWLINE]agent: Yes, they are eligible[NEWLINE][BOUNDARY][NEWLINE]user: how do I report school loans I want taken into consideration when my repayment period is worked out for a direct consolidation loan?[NEWLINE]agent: You need to list those loans on your consolidation application in the section for listing loans that you do not want to consolidate, but want to be considered in the determination of your repayment period.[NEWLINE]user: what kind of loans can I list on there?


user: I need some information about the Graduated Repayment Plan.[NEWLINE]agent: Allow me to assist you with that. Under the Graduated Repayment Plan, payments start low and increase every two years. These payments will be made for up to 10 years.[NEWLINE]agent: Are you considered low income, but expect your income to increase over time?[NEWLINE]user: Yes. I'll be making more money later on.[NEWLINE]agent: Great. This plan could be right for you.[NEWLINE][BOUNDARY][NEWLINE]user: Do you also know about on how my monthly payments will be if I have a Direct Consolidated Loan or FFEL Consolidated Loan?[NEWLINE]agent: In this instance, the length of the repayment period will depend on the amount of borrowing that is outstanding, known as your total education loan indebtedness, this debt includes any student loan debt you may have that is joined to your consolidation loan[NEWLINE][BOUNDARY][NEWLINE]user: Are FFEL Consolidation Loans eligible for this plan?[NEWLINE]agent: Yes, they are.[NEWLINE][BOUNDARY][NEWLINE]user: Another question, what consequences can I have if I do not recertify my family size and income before the annual deadline?[NEWLINE]agent: In this instance, any unpaid interest will be capitalized added to the principal balance of your loans. This will increase the total cost of your loans over time, because you will then pay interest on the increased loan principal balance[NEWLINE][BOUNDARY][NEWLINE]user: Can I ask something else? with respect to the Federal Loan. What other loans are eligible?[NEWLINE]agent: Most loans from the William D. Ford Federal Direct Loan Program and the FFEL Program are eligible for this plan.[NEWLINE][BOUNDARY][NEWLINE]user: Can I use the loan simulator to estimate my payments under the Graduated Repayment Plan?[NEWLINE]agent: Absolutely. We recommend that you use our loan simulator before you contact your loan servicer.[NEWLINE][BOUNDARY][NEWLINE]user: How will my payments differ with a FFEL Consolidation Loan?


user: Please, tell me about the Graduated Repayment Plan[NEWLINE]agent: Sure. Payments are made for up to 10 years between 10 and 30 years for consolidation loans[NEWLINE]agent: Do you hope to constantly increase your income over time?[NEWLINE]user: Yes, I hope that[NEWLINE]agent: Ok, check this plan, maybe is good for you[NEWLINE][BOUNDARY][NEWLINE]user: Are you aware of the Sensitive Repayment Plan? Are you aware of the FFEL Program Loans that are available?[NEWLINE]agent: The subsidized and unsubsidized Federal Stafford Loans, FFEL PLUS loans, and FFEL Consolidation Loans are all available for Income-Sensitive Repayment Plan.[NEWLINE]user: I just remember asking about the percentages are large?. What loans are eligible for the Graduated Payment Plan?[NEWLINE]agent: Check the list below[NEWLINE][BOUNDARY][NEWLINE]user: Also, for DEL PLUS loans. And where do I get more information?[NEWLINE]agent: Paying off your loans Provides information on federal student loan repayment plan options, finds loan history and loan managers, and makes payments[NEWLINE][BOUNDARY][NEWLINE]user: There's one more thing about Graduated Repayment Plan. Can you tell me what the monthly payments are for Federal Education Loans, except Consolidation Loans?[NEWLINE]agent: Null[NEWLINE][BOUNDARY][NEWLINE]user: How can I include other student loan debts in determining the repayment period of my Direct Consolidation Loan?[NEWLINE]agent: You need to be sure to list those loans on your consolidation application in the section for listing loans that you do not want to consolidate, but want considered in the determination of your repayment period[NEWLINE][BOUNDARY][NEWLINE]user: How can I use the Loan Simulator to Estimate my Eligibility and Payment Amount Under the Graduated Repayment Plan?


user: I heard my payments on a graduated repayment plan will go higher so I wanted to know when that will happen[NEWLINE]agent: Payments will increase every two years[NEWLINE]agent: Do you expect your income to increase steadily over time?[NEWLINE]user: no, not the way things are in the economy today[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: how much can the payments increase?[NEWLINE]agent: They won't be more than three times greater than any other payment[NEWLINE][BOUNDARY][NEWLINE]user: How can I maximize the use of my AGI?[NEWLINE]agent: Your AGI will be used if you filed a federal tax return in the past two years[NEWLINE]user: yes[NEWLINE]agent: Is your current income not significantly different from the income reported on your most recent federal tax return?[NEWLINE]user: yes[NEWLINE]agent: In that case This may be your adjusted adjusted gross income or alternative income documentation.[NEWLINE][BOUNDARY][NEWLINE]user: and where do I get more information?


user: I need some info about the graduated repayment plan[NEWLINE]agent: Sure. In this plan, payments are made for up to 10 years between 10 and 30 years for consolidation loans.[NEWLINE]user: What if my income is very low now?[NEWLINE]agent: Don't worry, this plan is good for you[NEWLINE][BOUNDARY][NEWLINE]user: I have another concern about the eligibility of loans. What loans aren't covered by the Income-Sensitive Repayment Plan?[NEWLINE]agent: A William D. Ford Federal Direct Loan is not eligible for the repayment plan.[NEWLINE][BOUNDARY][NEWLINE]user: What about Subsidized Federal Stafford Loans?[NEWLINE]agent: Yes these loans are also eligible.[NEWLINE]user: What other loans are eligible for this program?


user: Hello, I would like you to help me choose the direct loan MPN[NEWLINE]agent: are you an undergraduate student?[NEWLINE]user: yes[NEWLINE]agent: in that case Use this MPN for Direct Subsidized Loans or Unsubsidized Direct Loans available to eligible undergraduate students.[NEWLINE][BOUNDARY][NEWLINE]user: okay. and after logging in what should I do?[NEWLINE]agent: you must click on View demo[NEWLINE][BOUNDARY][NEWLINE]user: okay. And could you tell me what a Master Note (MPN) is?[NEWLINE]agent: The Master Promissory Note MPN is a legal document that promises to pay your loan and accrued interest and fees to the US Department of Education.[NEWLINE]user: What is the initial fund for this type of program?[NEWLINE]user: One last thing, regarding reviews of the external service providers program, is the US department of education supervising these providers?[NEWLINE]agent: How does the US Department of Education relate to program plans?[NEWLINE]user: And how is it related to the institution?


user: Where do I get started to learn more about the loan master promissory note[NEWLINE]agent: Are you an undergraduate student?[NEWLINE]user: yes[NEWLINE]agent: You would select the option for MPN for Direct Subsidized Loans or Direct Unsubsidized Loans available to eligible undergraduate students[NEWLINE]user: what kind of info will it have?[NEWLINE]agent: You can view a demonstration to help you out[NEWLINE][BOUNDARY][NEWLINE]user: very well. now for the option for MPN. What kinds of things does title iv do?[NEWLINE]agent: The Title IV regulations authorize the U.S. Department of Education to provide oversight of third-party servicers.[NEWLINE]user: what is something that is done during reviews?[NEWLINE]agent: Reviewers will evaluate the third-party servicers’ and schools’ compliance with FSA requirements, assess liabilities for errors in performance, and identify actions the third-party servicers and their partner schools must take to improve future administrative capabilities.[NEWLINE]user: who can be a third party servicer?


user: Hello, I would like you to help me choose the direct loan MPN[NEWLINE]agent: are you an undergraduate student?[NEWLINE]user: no[NEWLINE][BOUNDARY][NEWLINE]agent: Are you a graduate / professional student?[NEWLINE]user: yes[NEWLINE]agent: Find and use the MPN you need as a graduate or professional degree student to obtain federal student loans. Graduate / professional students may be eligible for unsubsidized direct loans, direct PLUS loans, or both. You must complete an MPN for each type of loan you want to receive.[NEWLINE]user: Also, I need to find out information on Master Promissory Note (MPN) for Direct PLUS Loans. As a graduate/professional student is it necessary to complete the MPN?[NEWLINE][BOUNDARY][NEWLINE]agent: If you are applying for Direct Unsubsidized Loan or a Direct PLUS Loan you should complete the MPN. Are you applying for one of these loans?[NEWLINE]user: No I am not applying at this stage.[NEWLINE][BOUNDARY][NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: When I am ready to apply what do I need to complete the application?


user: hello could you help me choose the direct loan MPN[NEWLINE]agent: Of course are you an undergraduate student?[NEWLINE]user: yes[NEWLINE]agent: in that case Use this MPN for Direct Subsidized Loans or Unsubsidized Direct Loans available to eligible undergraduate students.[NEWLINE]user: and what should I do after logging in?[NEWLINE]agent: after starting the section you must go to the section See demo[NEWLINE][BOUNDARY][NEWLINE]user: okay. Could you also tell me what a master promissory note is?[NEWLINE]agent: Of course The Master Promissory Note MPN is a legal document that promises to pay your loan and accrued interest and fees to the US Department of Education.[NEWLINE]user: What are the requirements that an external administrator needs to provide services to a school?[NEWLINE]agent: The servicer and/or its contractors must comply with the various Title IV requirements applicable to its servicing agreement with the school.[NEWLINE]user: how do they make sure the servicers are doing what they need to do?


user: hello could you help me to choose the MPN of direct loan that I want to obtain[NEWLINE]agent: are you an undergraduate student?[NEWLINE]user: yes[NEWLINE]agent: In that case Use this MPN for Direct Subsidized Loans or Unsubsidized Direct Loans available to eligible undergraduate students.[NEWLINE]user: You have treated me very well, I have no complaints. Can I also see a demo for it?[NEWLINE]agent: Yes, you can view a demo for it.[NEWLINE][BOUNDARY][NEWLINE]user: What else do I need for my request?[NEWLINE]agent: You'll need a verified username and password FSA ID, for example.[NEWLINE][BOUNDARY][NEWLINE]user: What else can you tell me about MPN for direct plus loans?[NEWLINE]agent: You can use this MPN for Direct PLUS Loans available to eligible graduate/professional students. You may also need to complete an MPN for Direct Unsubsidized Loans.[NEWLINE][BOUNDARY][NEWLINE]agent: Do you want to know who should fill this out?[NEWLINE]user: Yes, please tell me.[NEWLINE][BOUNDARY][NEWLINE]agent: 30 minutes?


user: hello could you help me to choose the MPN of direct loan that I want to obtain[NEWLINE]agent: are you an undergraduate student?[NEWLINE]user: no[NEWLINE][BOUNDARY][NEWLINE]agent: a graduate / professional student?[NEWLINE]user: no[NEWLINE][BOUNDARY][NEWLINE]agent: father of a college student?[NEWLINE]user: yes[NEWLINE]agent: Use this MPN for direct PLUS loans available to eligible parents of eligible dependent undergraduate students.[NEWLINE][BOUNDARY][NEWLINE]user: okay. and could you tell me what a Master Note is?[NEWLINE]agent: The Master Promissory Note MPN is a legal document that promises to pay your loan and accrued interest and fees to the U.S. Department of Education.[NEWLINE]user: and is this document legal?


user: Hello, could you help me choose the direct loan MPN that I want to obtain?[NEWLINE]agent: are you an undergraduate student?[NEWLINE]user: yes[NEWLINE]agent: In that case Use this MPN for Direct Subsidized Loans or Unsubsidized Direct Loans available to eligible undergraduate students.[NEWLINE][BOUNDARY][NEWLINE]user: I have had some financial problems lately so a question arose. If I get a PLUS loan and have trouble paying 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: How do I choose the correct Direct Loan MPN within the FSA application process?[NEWLINE]agent: Are you currently an undergraduate student?[NEWLINE]user: Yes I am[NEWLINE]agent: You then use this particular MPN for Direct Subsidized Loans or Direct Unsubsidized Loans which are available to eligible undergraduate students[NEWLINE][BOUNDARY][NEWLINE]user: What if I am a Graduate or a Professional Student?[NEWLINE]agent: You then need to locate the correct MPN which will allow you to borrow federal student loans. This category of student can be eligible for Direct Unsubsidized Loans, Direct PLUS Loans or both. An MPN is needed for each loan type that you intend to avail of[NEWLINE][BOUNDARY][NEWLINE]user: What is a Master Promissory Note (MPN)?[NEWLINE]agent: The MPN is a legal document which outlines that you promise to repay your loan and any interest and fees to the US Department of Education[NEWLINE][BOUNDARY][NEWLINE]user: What if I am a parent of an undergraduate student, does this make any difference to the MPN process?[NEWLINE]agent: In this situation, you use the PLUS MPN for Direct PLUS Loans which are available to parents of undergraduate students[NEWLINE][BOUNDARY][NEWLINE]user: What is contained within an MPN when applying for federal student aid?


user: hi could you help me How to correct or update your FAFSA application[NEWLINE]agent: Of course Learn what types of fixes and updates you can make and how to make them[NEWLINE][BOUNDARY][NEWLINE]user: And what kind of changes can I make to my FAFSA form once it has been processed?[NEWLINE][BOUNDARY][NEWLINE]agent: did you make any mistake?[NEWLINE]user: yes[NEWLINE]agent: did you make a mistake in what you reported on the FAFSA?[NEWLINE]user: well in that not[NEWLINE][BOUNDARY][NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: and can the information I gave be changed?[NEWLINE]agent: There are only a few cases where you will want or need to change the information you reported.[NEWLINE][BOUNDARY][NEWLINE]user: Are there clear financial arrangements in place at schools for students who are enrolled?[NEWLINE]agent: Yes, a lot of schools have tuition payment plans, these are monthly interest-free payments towards tuition. These plans can help in reducing the amount of borrowing you need. The financial aid office in your school will have more details[NEWLINE][BOUNDARY][NEWLINE]user: I'm really hoping to learn more about the students who are reliant on me. What if I don't live with my parents?


user: can you tell me how to update FAFSA[NEWLINE]agent: Of course, review how it works FAFSA[NEWLINE][BOUNDARY][NEWLINE]user: KNOW THE OPERATION OF FAFSA, NOW HOW I DO THE UPDATE[NEWLINE][BOUNDARY][NEWLINE]agent: Perfect, before updating check the corresponding corrections[NEWLINE]user: Okay, I will start making the respective corrections[NEWLINE]agent: watch for the information you put on the form[NEWLINE]user: I am making the respective corrections[NEWLINE][BOUNDARY][NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: Check if you have any information supplied with errors[NEWLINE]agent: Check your SSN and correct if you have errors[NEWLINE][BOUNDARY][NEWLINE]user: Can you tell me what are the Dependency Status Question on the 2020 21 FAFSA  And how to fill up Form?[NEWLINE]agent: You are not a veteran if you 1 have never engaged in active duty including basic training in the U.S. armed forces, 2 are currently a Reserve Officers Training Corps ROTC student or a cadet or midshipman at a service academy, 3 are a National Guard or Reserves enlistee activated only for state or training purposes, or 4 were engaged in active duty in the U.S. armed forces but released under dishonorable conditions and should answer with "no".[NEWLINE][BOUNDARY][NEWLINE]user: What should I expect after I submit my FAFSA form?


user: hi can you help update my FAFSA application[NEWLINE]agent: Of course we can give you information so that you learn what types of corrections and updates you can do and how to do them.[NEWLINE][BOUNDARY][NEWLINE]agent: Want to know what changes you can make to your FAFSA once it has been processed?[NEWLINE]user: no thanks[NEWLINE][BOUNDARY][NEWLINE]agent: Do you want to know how to make changes to your FAFSA?[NEWLINE]user: no thanks[NEWLINE][BOUNDARY][NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE]user: Is it possible to change the information later?[NEWLINE]agent: There are some cases in which you will want or need to change the information you reported.[NEWLINE][BOUNDARY][NEWLINE]user: I will need to learn more about the FAFSA application. Do I need to make some changes to my SAR?[NEWLINE]agent: Yes. It is very important that you correct or update any incorrect information on your FAFSA form.[NEWLINE][BOUNDARY][NEWLINE]user: How do I receive my SAR?[NEWLINE]agent: You will receive your SAR on paper. If you provide an email address, you will also be able to view your SAR online.[NEWLINE]agent: Did you provide an email?[NEWLINE]user: Yes, I did.[NEWLINE]agent: Great. You will receive an email from noreply@FAFSA.gov. This email will provide you with instructions to get an online copy of your SAR.[NEWLINE]user: Will I receive a paper SAR if I get the online copy?


user: hi could you help me update my FAFSA application[NEWLINE]agent: Of course, we can help you learn what types of corrections and updates you can do and how to do them.[NEWLINE][BOUNDARY][NEWLINE]user: ok and what kind of changes can I make to my FAFSA form once it has been processed?[NEWLINE][BOUNDARY][NEWLINE]agent: did you make a mistake on the form?[NEWLINE]user: no[NEWLINE][BOUNDARY][NEWLINE]agent: did you fill out a FAFSA using an incorrect social security number (SSN)?[NEWLINE]user: no[NEWLINE][BOUNDARY][NEWLINE]agent: Has your situation changed?[NEWLINE]user: no[NEWLINE][BOUNDARY][NEWLINE]agent: do you want to add or remove a school?[NEWLINE]user: neither. anyway thanks for the help[NEWLINE][BOUNDARY][NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: What is the difference between a dependent and an independent student when applying for federal student aid?[NEWLINE]agent: Read the definitions, find out who has to provide parent information on the FAFSA form, and learn what to do if you aren't in contact with your parents.[NEWLINE][BOUNDARY][NEWLINE]user: Btw, when it comes to the documents. When filling out the FAFSA form, what kind of financial information is required?


user: Hello, I would like to know How do I make changes to my FAFSA form?[NEWLINE]agent: You can make changes in one of the following ways[NEWLINE]agent: Did you file an amended 1040X return?[NEWLINE]user: yes[NEWLINE]agent: Contact your school's financial aid office to discuss whether it would be appropriate for the school to adjust the information on your FAFSA.[NEWLINE][BOUNDARY][NEWLINE]user: I have another concern. What if I have answered that I'm a student who is financially reliant on others?[NEWLINE]agent: Then for federal student aid purposes, you're considered to be an independent student and will not provide information about your parents on the FAFSA form.[NEWLINE][BOUNDARY][NEWLINE]user: Do you know the FAFSA form that I must update?[NEWLINE]agent: You must update anything that changes your dependency status, for example, you are now pregnant or under legal guardianship, except for a change in your marital status[NEWLINE][BOUNDARY][NEWLINE]user: What if the information on my SAR is incorrect? Is it still possible for me to receive my SAR?[NEWLINE]agent: There will be a space on your SAR where you can write in any corrections.[NEWLINE][BOUNDARY][NEWLINE]user: Should I update my dependency status like let say I get pregnant?[NEWLINE]agent: is correct You must update anything that changes your dependency status, for example now you are pregnant[NEWLINE][BOUNDARY][NEWLINE]user: And what are the questions on the form for?[NEWLINE]agent: Most of the questions on the FAFSA form want to know your situation from the day you sign the application.[NEWLINE][BOUNDARY][NEWLINE]user: and what method do you recommend?


user: I need help with making updates to my FAFSA application.[NEWLINE]agent: I can help you understand what types of corrections and updates you can make and how to make them.[NEWLINE][BOUNDARY][NEWLINE]user: That would be great. Can I make any changes to my FAFSA application once it's been processed?[NEWLINE][BOUNDARY][NEWLINE]agent: Did you make a mistake that needs to be corrected on your FAFSA form?[NEWLINE]user: No. I don't think so.[NEWLINE][BOUNDARY][NEWLINE]agent: Did you happen to file out your FAFSA form using an incorrect SSN?[NEWLINE]user: No. My social security number was correct.[NEWLINE][BOUNDARY][NEWLINE]agent: Do you need to make updates, because there have been changes to your current situation?[NEWLINE]user: Yes. I need to change my contact information.[NEWLINE]agent: Most of the information on your FAFSA form cannot be changed, because it must be accurate as of the day you originally signed it.[NEWLINE]agent: Have you spent any of your savings since filing your FAFSA form?[NEWLINE]user: Yes. I have.[NEWLINE]agent: Okay. For information like this, you cannot make an update to show a change in your savings amount.[NEWLINE][BOUNDARY][NEWLINE]user: Another question about loans: Do schools have clear financial arrangements in place for students who are enrolled?[NEWLINE]agent: Yes, a lot of schools have tuition payment plans, these are monthly interest-free payments towards tuition. These plans can help in reducing the amount of borrowing you need. The financial aid office in your school will have more details[NEWLINE]user: Can you please tell me on what are the procedures in case I need to make corrections on my FAFSA form?


user: hi could you help me how to update my FAFSA application[NEWLINE]agent: Of course, we can help you learn what types of corrections and updates you can do and how to do them.[NEWLINE][BOUNDARY][NEWLINE]user: What kind of changes can I make to my FAFSA form once it has been processed[NEWLINE][BOUNDARY][NEWLINE]agent: did you make a mistake on the form?[NEWLINE]user: yes[NEWLINE]agent: did you make a mistake in what you reported on the FAFSA?[NEWLINE]user: no[NEWLINE][BOUNDARY][NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: And what are the questions on the form for?[NEWLINE]agent: Most of the questions on the FAFSA form want to know your situation from the day you sign the application.[NEWLINE][BOUNDARY][NEWLINE]user: Do I need to fill out the FAFSA form under any specific circumstances?[NEWLINE]agent: Not really. But if you use to have pop-up blocker in your browser, make sure it allow you to see the pop-ups from fafsa.ed.gov[NEWLINE][BOUNDARY][NEWLINE]user: Also, I need to find out  Do I need a particular condition or do I use something in particular when I fill out the form? How will I receive my SAR?


user: can you help me make a correction on my fafsa application?[NEWLINE]agent: We can help you with what types of corrections and updates you can make and how to make them.[NEWLINE][BOUNDARY][NEWLINE]user: what can I change if you already accepted my application?[NEWLINE][BOUNDARY][NEWLINE]agent: Did you make a mistake on the FAFSA form?[NEWLINE]user: no, I want to update some numbers I put on it[NEWLINE][BOUNDARY][NEWLINE]agent: Did you file a FAFSA form using an incorrect social security number?[NEWLINE]user: no, that was correct[NEWLINE][BOUNDARY][NEWLINE]agent: Did you want to update information for a situation that has changed?[NEWLINE]user: yes, I have updated information[NEWLINE]agent: Most information can not be updated because it must be accurate as of the day you originally signed your FAFSA form.[NEWLINE][BOUNDARY][NEWLINE]user: Are you aware of the federal student assistance purposes? What if I said I'm a student who is financially reliant on others?[NEWLINE]agent: Then for federal student aid purposes, you're considered to be an independent student and will not provide information about your parents on the FAFSA form.[NEWLINE][BOUNDARY][NEWLINE]user: What if I'm a dependent student?