Borrowers currently on an IDR Plan who need to recertify or make changes to their repayment plan.


Another thing, about the Public Service Loan Forgiveness Program. What are the resources of the PSLF?


a PSLF Public Service Loan Forgiveness Help Tool


What do I have to do to qualify for PSLF?


you are employed by a federal, state, local or tribal government of the United States or by a non-profit organization?


I have not worked on it


I am sorry to tell you that you cannot qualify for the PSLF


what can you tell me about Returning IDR Applicants


I file an annual recertification of your income


not


you want to recalculate your monthly payment


yes


your income or family size has changed


Unfortunately, no relevant information is found.


Who should complete this?


Borrowers not currently on an IDR Plan who are seeking a lower monthly payment on their federal student loans and


Switch my current plan to a new plan


Preview a read - only version of the complete form


EWhat are personalised plates?


Would you like to know more?


Please check our linked website for available options.


I'd like to know more about how much (insert X) would cost.


It would behoove you to check the reference list I previously mentioned.


Can you tell me what any/all additional fees you charge would be?


Once again, reference the documents I have linked.


Can I also have a picture plate that is personalised?


Yes, again, for a fee. Please reference the fee chart for further information.


Can I use them on any vehicle? A trailer? SUV? ETC?


Yes, as long as they are required to be registered by the DMV, you may use them.


Are there any restrictions on these plates?


Yes, besides the fee, we do not accept obscene or racist combinations for a plate number.


What is the total price for what I'm looking at?


Once again, please reference the fee document I have already linked.


Are there things I need to consider when it comes to retirement benefits planning?


Yes there are. A good place to start is to figure out which age works best for you to start receiving your benefits. Have you considered that yet?


No, I have not given much thought as to what age will work best for me. Can you provide me with assistance on this?


Unfortunately, no relevant information is found.


Are there things that can't be ruled out in regards to making decisions about your future?


Yes, many unforseen circumstances can occur like a car accident, so your final decision may have to be based on your "best guess."


one more thing, for my ex-wife, how would these benefits be? can you switch to your own retirement benefits if you are already receiving benefits from my history?


she can do it when she turns 62 if she qualifies for retirement benefits and her benefits are higher than her surviving ex-wife benefits.


So I need to consider situations like accident and health issues before I apply for Medicare?


Yes, that is correct.


I see, and regarding a special lump-sum death payment, the worker's child or children can receive a lump sum?


the lump - sum can be paid to the worker 's child or children if , during the month the worker died , the child


Is there a particular age when you should begin receiving benefits?


No there isn't a "one age suits all" scenario. It is ultimately up to you and your informed decision based on your individual needs and circumstances.


Is there someone I should contact if I decide to start delaying when I start my benefits?


Yes, you would need to contact Social Security 3 months before you turn 65 so that you can look into applying for Medicare.


Should I still look into whether I need to sign up for Medicare if I still have health insurance through my former employer?


Yes, you should look into this because some health insurance plans change automatically when you turn 65.


If my earnings reach a certain amount, will I have to give up my benefits?


Yes, you may have to give up some of your benefits.


what is VA disability compensation


VA disability compensation pay offers a monthly tax - free payment to Veterans who got sick or injured while serving in the military and to Veterans whose service


Do you want to know how to get more information about it?


yes


On this page   [6] Get VA disability compensation pays   [7] Manage your Veterans disability benefitss   [8] More information and resources


where can I get More information and resources


Disability housing grants for VeteransFind out how to apply for a housing grant as a Veteran or service member with a service - connected disability


where do I get info on managing my benefits?


Sure no problem, see #7


How can I Manage my Veterans disability benefits


Another question, to know about the status of my appeal or VA claim, is my personal information protected when using the website? Do you have good policies regarding data management?


Yes, your information is protected as the website is secure. We have strict security policies and practices which are there to protect your personal health information


Check your VA claim or appeal statusTrack the status of your disability claim or appeal


I also want to know more about my Veterans disability benefits. What is the best way for me to manage it?


Add or remove a dependentFind out how and when to add a dependent spouse , child , or parent to your VA disability benefits


Can I use the DMV Road Test System to obtain my CDL?


Yes, you are able to schedule a CDL test online or by phone.


How long will it take to receive my driver license in the mail?


It will take about 2 weeks for you to receive your photo driver license in the mail.


How do you pay for additional tests if you fail?


You can for additional tests either online or by phone.


What would cause a test to be cancelled?


A test can be cancelled for various reasons including bad weather or road construction.


Am I able to cancel my test?


You are able to cancel your test either by phone or online.


No, I do not need to reschedule my test.


Can I pay additional fees over the phone?


You are able to pay for additional fees over the phone.


If I'm under 18, how long do I have to have my learner permit before I can schedule a road test?


You must wait at least 6 months from the date you received your permit before you can schedule a test.


I need to update some info on my ID


You have to visit your local DMV office and bring proof of the change


what is the new ID that I heard about? they said you needed the new ID to travel


If you plan on traveling we recommend you come to the DMV now to get an Enhanced or REAL ID.  We also have more information if you want to learn more about Enhanced or REAL ID


can I change my last name to my husband's last name? we are gay partners


Regardless of the genders of you and your spouse, if your marriage certificate shows both your spouse's surname and your former surname you may change your surname to your spouse 's surname.


Are you aware of the various addresses on licenses and registrations? What else should I think about if I'm relocating?


You can write your new address on the back of your driver license, non-driver ID card or learner permit, and on the front of the registration document carefully draw lines through the old address. Do not write the new address on a title certificate.


What if I rather want to replace my documents for up-to-date ones?


In that case, be sure to include payment. You can find payment information on the Change Address (MV-232) form.


Can I also change my address by mail?


Sure. To change your license, permit, non-driver ID and/or the address on your registration, simply mail a completed Address Change (MV-232) form to us.


Hello, I need to know if I can somehow lower my student loan payments. Times are tough.


Of course. We'll help you stay on the path to successful repayment of your federal student loan.


That's reassuring. But what if I don't recertify on time?


In that case you'll be removed from the income-driven repayment plan and your monthly amount due will very likely increase.


I have another question regarding payments to other loan servicers, what is the procedure?


First, find you loan servicer's contact information.


what happens when I use automatic debit?


You could get some kind of incentive if you use automatic debit.


Is there a bonus available for automatic debit?


Yes there is if you have Direct Loans.


I wonder who benefits from Social Security?


It is important that such a benefit is when you retire.


Perfect, what else do I need to know?


This benefit is directed at you, your spouse, and other eligible family members.


Where can I get more information?


You can visit our sites to request more information.


Can you tell me what is the Retirement Planner?


It consists of learning what is necessary to qualify for the benefit.


Perfect, what else should I know?


So we recommend using the Survivor Planner.


How can I estimate the benefit?


It is vital that you use one of our benefit calculators to estimate your future retirement, disability and survivor benefits.


I want to change my ID so it shows my new married name


Okay, you must visit your local DMV office and bring proof of the change


I also have an ID that might not be real or whatever you call it even though you issued it to me, so what should I do so I'm ready when I want to travel?


You should come to the DMV and get an Enhanced or REAL ID


what do I need to bring with me to get the new ID?


We have a guide you can use to make sure you have to correct proofs of identification you need.


One more thing, to change my address on my driver's license, permit, identification or registration, can I do it online or should I go to a DMV office?


To change the address on your non-driver license, permit, ID and / or registration, you will need your New York State ID number and document number.


What happens if I lost my document?


you must wait for it to arrive before you can create a MyDMV account


and will I need to request new documents with my new address?


you do not need to request new DMV documents with your new address 2


what comes next after I'm given a permanent disability discharge on a loan?


That will depend on the type of documentation you submitted to show us that you qualified for a TPD discharge


well what if I submitted VA documentation?


Has it been determined that you are totally and permanently disabled based on documentation from the VA?


no I want to gather info so I'm prepared


Unfortunately, no relevant information is found.


so how would I qualify by submitting VA documentation?


You can qualify for a TPD discharge by providing documentation from the VA that shows you have received a VA disability determination because you 1 have a service-connected disability that is 100 percent disabling; or 2 are totally disabled based on an individual unemployability rating.


for vets right?


Correct, If you are a veteran


what is going on after we do the permanent disability discharge application?


The servicer will explain the process for the review of your application. You won't be required to make any payments on your loans while your discharge application is being reviewed.


I want to know more about Agent Orange exposure?


The U.S. military used Agent Orange to clear plants and trees during the Vietnam War


Did you served in Vietnam or in or near the Korean Demilitarized Zone DMZ during the Vietnam Era or in certain related jobs?


yes


[4] you may have had contact with this herbicide .s   [5] We refer to this as having a presumption of contact .s   [6] Find out if you can get disability compensation and other benefits for illnesses we believe are caused by Agent Orange


Good to know! Another question related toA g e n.another question for you regarding XXXX . Who's covered?


Veteranss and Qualified dependents


Can I get disability benefits from VA?


Do you have an illness we believe is caused by Agent Orange called a presumptive disease?


no


You won't be able to get disability benefits


what if I have an illness caused by Agent Orange?


[29] You won t need to show that the problem started during or got worse because of your military service .s   [30] This is because we believe that certain illnesses are the result of exposure to herbicides .s   [31] We refer to these as presumptive diseases .


I want to know more about planning my retirement benefits.


well, there's the Government Pension Offset (GPO). Do you want to know about it?


yes.


Will you receive a pension for work not covered by Social Security?


I won't.


but tell me how would affect the benefits I would get from my spouse's work.


to calculate your benefits enter the estimated "gross" monthly amount you would get from any government pension for work not covered by Social Security in step #1 of "Calculate Your Benefits", then use your most recent estimate to determine your estimated retirement benefit based on your own earnings.


Where can I get more information about the estimated benefit amount I would get if I retire before reaching full retirement age.


You can call our toll free number 1-800-772-1213. For peoñle with hearing impairments, we have available our TTY number 1-800-325-0778 or contact your local Social Security office.


What information do I need to calculate my future widow's benefits under the GPO?


You need the estimated "gross" monthly amount of your pension from your government job not covered by Social Security, and the estimated monthly amount of your Social Security benefit as a widow before the effect of GPO.


Good day, I am looking for information about your mental health services.


Of course. Here you can get all answers to questions you may have about our services.


Do you NOT qualify for VA health care?


Yes, I don't qualify for it. At least not now, seeing how things currently are.


In that case you may still be able to get certain health care services, like care for needs linked to military sexual trauma.


Now, let's talk about VA services for substance use problems. However, how can those services be accessed?


For that, you need to apply first for the VA health care.


Ok, I need some info regarding VA mental health services, how can I know whether  I'm eligible or not?


To find out if you qualify, simply call your nearest VA medical center.


I also hope to find out more information about eligibility. and what happens if I retire?


If you retire, you are eligible for TRICARE. You may also qualify for certain VA health care benefits.


for mental health services provided by the Department of Veterans Affairs That should suffice. However, I would rather speak with a psychologist right now. Is there anything you should do?


Yes, you can contact our Coaching into Care program to speak directly with a licensed psychologist or social worker, free of charge. They can provide information about mental health and VA services, as well as tips for how to begin the conversation about treatment with a loved one.


I'd really appreciate that. I had a hard time thinking about how to explain this to my wife. There's another little problem though, I'm hard of hearing. Do you have a number I could call in that case?


Of course. Simply call TTY: 1-800-877-8339.


You know, I've been thinking about hurting myself and other stupid things. Do you have a hotline for that too, just for any emergency? I'm trying to keep myself sane right now.


Yes, you can start an online chat or call 800-273-8255.


Is there anywhere that I can view copies of DMV records and if so, when can I do this?


After 20 business days of the receipt of the FOIL Office's written acknowledgement of your request, most DMV records are available for viewing, these records can rarely be produced on the day that they are requested


Can I be contacted by phone if I provided a number with my request?


When the requested records are ready to be viewed, the FOIL office will call you. Otherwise, you will be notified by mail


In the event that I am unhappy with the DMV's response to my FIOL request, can I appeal this?


Yes, if the DMV has denied your request completely or partially


How do I appeal it?


You must appeal in writing within 30 days of the denial of your FOIL request. This appeal has to identify the date of your record request and a description of the denial


What do I do when I am informed that the records I requested are ready for viewing?


Can picture plates be personalized?


Yes, some picture plates can be personalized for an additional fee in addition to your picture plate and regular registration fee


How much does that cost


For personalized plate availability and pricing for the picture plate you are interested in you can browse our collection of picture plates online


How much do personalized plates cost?


For Passenger and Commercial Plates the Initial Cost = $ 60.00Annual Fee = $ 31.25


Can I use personalized plates on any type of vehicle?


You can use personalized plates on passenger vehicles , commercial vehicles , motorcycles and trailers


What plate combinations are restricted?


Restrictions include: Personalized plates that give the appearance of an official plate or the configuration of special registration classes. Combinations that are considered obscene , derogatory or offensive, and combinations that do not have one letter


What are personalized plates?


Personalized plates are standard series plates that have a combination of numbers and letters that you select , for an additional fee in addition to your regular vehicle registration fee


I need information about VA health care.


Are you serving on active duty?


Yes I am.


If you re serving on active duty , including as a returning OEF / OIF / OND service member find out how to apply for VA health care once you ve received your separation or retirement orders .] Your eligibility for VA health care and other health care coverage depends on your service history and other factors


What is the information you can provide?


Enhanced eligibility for returning OEF / OIF / OND combat Veteranss Eligibility after separationsEligibility after retirement


so this information is for after seperation?


yes I can tell you  how to apply for VA health care once you've received your separation or retirement orders .


What are the criteria?


Did you serve in a theater of combat operations after November 11, 1998?


Yes


WEre you discharged or released from active service on or after January 29, 2003?


No


Unfortunately you do not meet the required criteria.


Hello, I need to know what happens if I do not recertify my income and the size of my family?


It is vitally important to carry out such processes by the specified annual deadline to avoid penalties.


If you do not carry out such a process, I recommend that you recertify your income on the stipulated date.


Can you tell me more about it?


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.


Can you advise me more about that particular case please?


Can you explain what the AGI consists of?


Before continuing, can you tell me if you filed the federal tax return?


What would happen if I did not do it?


It is important that current income is not different with what you reported on the tax return.


What would happen if I did not make the declaration in the last years?


It can also be adjusted gross income or some alternative income report.


Can you tell me what is the income based plan?


It is primarily about providing the lowest payment amount, consult your business manager for advice on the matter.


Why should I apply online for my retirement?


Using our online application has a number of benefits


What things do I need to know before I apply?


there are certain Social Security " basics " you should know about  Your " full retirement age " -Depending on your date of birth


What is the process after I apply?


we 'll review it. we will contact you if we need more information or if we need to see your documents .


I just remembered to inquire about the necessary number of credits for disability benefits. And what should I know about the test's duration?


your work does not have to fall within a certain period. The table only provides an estimate of how many work credits you need. It does not cover all situations.


and recent work required When it comes to legal blindness?


there is no recent proof of work requirement.


can you tell me how the credits are obtained


Do you pay Social Security taxes?


no


can you tell me more of the fully developed claim for a pension


The Fully Developed Claim program is the fastest way to get your VA pension claim processed , and there is no risk to your taking part in it .Just send in all your evidence , or supporting documents , when you file your claim .


what if I don't have all the documents I need?


If that occurs we will remove your claim from the FDC program and process it as a standard claim .


How do I start off filing a claim?


Send us all the supporting documents you have and provide information about supporting documents that you don't have. Fill out an Application for Pension, Application for Pension VA Form 21P-527EZ


what else needs to be done?


We will request relevant information and records that you identify and authorize us to get from a federal facility , like a VA medical centers


what is needed so I am eligible?


Have you served on active duty for any length of time during a period of war and were discharged due to a service-connected disability?


yes I have


Okay, if your net worth and income are within certain limits then you will be eligible for pension benefits


How long does the extended repayment plan let me pay back my loan?


You would be able to make payments up to 25 years.


I really need to make lower payments over a longer period of time than the Standard Repayment Plan, is this possible?


Yes, you can with the Extended Repayment Plan and it sounds right for you.


How much do I need to have in FFEL Program Loans to qualify?


You would need to have $30,000 in outstanding FFEL Program Loans; but Direct Loans are not eligible.


What Federal loans are eligible for the Extended Repayment Plan?


The William D. Ford Federal Direct Loan and the Federal Family Education Loan are eligible for the Extended Repayment Plan.


How can I reduce the cost of college?


well you can consider living with your parents or other family.


If my school is able to take a test outside of classes and I don't take a class, what consequences can I have?


you may not have to pay the credits


I'm having some issues understanding the federal student aid application process. Maybe you can help me.


Of course. Here you can get in-depth information about the FAFSA form and what to expect after you submit your application.


Great. So what are the frequently asked questions here?


Do you wish to know which school year should you select if you are applying for a summer session?


Nah, I know that already.


Do you want to know what to do if you forgot your FSA ID username and password?


No, thank you.


Do you want to know what are the deadlines for filling out the FAFSA form?


Oh damn. There is a deadline? Yes, please tell me more about that.


Parents?


Yes, parents.


Btw, do you know about data recovery service ?. Do you have the ID, will it help anyway?


Yes, it will allow you to find in your fafsa form your tax information already filled, saving you time and effort.


I want to find out more about who is handling my school loan


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


where do I go for info if the loan isn't with the Department of Education?


Do you have FFEL Program loans that are not owned by ED?


yes


You should contact your servicer


what do I do after I get the welcome letter on a loan transfer?


You should start sending in payments to the new servicer


what happens to my loan in a transfer?


It just means that a new servicer will provide the support you need to fully repay your loans


if it is a Department of Education loan and they transfer it does it become something else?


The loan will still be owned by ED


Can you give me any information about servicemembers group life insurance?


Servicemembers Group Life Insurance or SGLI lets eligible service members low cost term coverage.


How do I become eligible for SGLI?


We will automatically sign you up if you are a service member who meet our criteria.


If I am member of the Army how do I change my beneficiaries or reduce, turn down, or restore my SGLI coverage?


Just submit your changes online through SGLI.


What type of life insurance benefits are available through SGLI?


You are eligible for coverage up to the top limit of $400,000 in $50,000 increments or 120 days of free coverage from the date you left the military.


Is it possible for me to make changes when I want to with my benefits?


Yes, you actually can choose what level of coverage or even refuse coverage completely; and you can choose your beneficiaries to get the money from your life insurance policy if you die and change them as needed.


How do I get full-time SGLI coverage?


First you have to be scheduled for 12 periods of inactive training for the year.


No, I am not scheduled for 12 periods of inactive training for this year.


Then you are not eligible for full-time SGLI coverage at this time.


So when I want to change my beneficiaries I can do that at any time?


Yes, change them as needed because life can change.


What do I need to know about Agent Orange exposure?


We you serving on a Blue Water Navy vessel offshore of Vietnam between January 9, 1962 and May 7, 1975?


No, I did not serve at that time or on the ships.


What if a claim was denied in the past?


You can always file a new claim based on the change in law.


What must be true to get disability benefits caused by Agent Orange?


You would need to have an illness we believe is caused by Agent Orange exposure.


I do have a presumptive disease caused from Agent Orange exposure.


Then you are able to get disability benefits from the VA.


What will I need to do if I have an illness that is not on the list of Agent Orange related diseases, but think it was caused by Agent Orange?


All you need to do is provide scientific and medical evidence that the condition is related to exposure to Agent Orange or show the problem started during or got worse because of your military service.


Hi. I need Tuition Assistance Top-Up


Does your college tuition cost more than what's covered by the Tuition Assistance TA program?


No


What If I'm going to take more courses after leaving the military?


[25] figure out if the GI Bill benefits you have left will cover your needs .s   [26] Use the GI Bill Comparison Tool


Am I eligible for tuition assistance?


You can get tuition assistance if you re approved for federal TA and you meet both of the requirements listed below


What are the requirements?


[7] You qualify for Montgomery GI Bill Active Duty MGIB - AD or Post-9/11 GI Bill benefits ,p [8] and   [9] The cost of the course and fees is more than TA will cover .


Yes, I meet both of the requirements


The cost of the course and fees is more than TA will cover?


Then you're not eligible for tuition assistance


I need some information about entrance counseling, please.


Of course. Do you wish to know what Entrance Counseling is?


Yes, please explain.


Have you NOT previously received a Direct Loan or Federal Family Education Loan FFEL?


Yes, I have not received any of those.


In that case the Federal Government requires you to complete entrance counseling to ensure that you understand the responsibilities and obligations you are assuming.


Is the information in the Document correct to the satisfaction of the United States Department of Education?


no, the information causing the adverse credit decision is incorrect


can you give me a description of the borrower


in the case of the borrower has a state, county or federal tax lien in the last five years prior to the date of the credit report, regardless of the date of the file


What are the Mitigating Circumstances Test?


the first is divorce


Can I get benefits if I volunteered for research involving chemical and biological testing?


I am part of the veterans who volunteered for medical research


yes


Biological and Chemical Programs


Would I possibly be eligible for VA disability compensation due to being a veteran who volunteered for medical research involving biological and chemical programs?


Yes, you could get VA disability benefits or even compensation if you have a current illness or injury known as a condition that affects your body or mind.


What must be true for me to get VA disability?


Did you serve on active duty, active duty for training, or inactive duty training?


Yes, I served active duty.


Do you have a disability rating for your service-connected condition?


No, I do not have a disability rating at this time.


Then you will not at this time get VA disability benefits or compensation.


Can you tell me anything about direct PLUS loans?


Sure, Direct PLUS Loans are federal loans that parents can use to help pay the college of their dependant undergraduate children. These loans can help pay expenses not covered by other financial aid.


Are you interested in applying for a loan?


Not right now.


Unfortunately, no relevant information is found.


But I want to know about the repayment plans.


One of the repayment plans for Parent PLUS borrowers is the Extended Repayment Plan.


Good to know. Now for these repayment plans, can you tell me about "grants"?


The share link will explain that a grant is a form of financial aid that will never have to be paid back unless you withdraw from school and owe a refund.


What types of loans are there?


The share link will be able to help you with loans that are considered student loans and will tell you that they have to be paid back.


Did you know that you have to pay back a student loan along with interest?


No, I did not know that along with the loan you have to pay back interest.


what is Fully developed claim for a VA pension?


[2] The Fully Developed Claim FDC program is the fastest way to get your VA pension claim processed ,s [3] and there s no risk to your taking part in it .s   [4] Just send in all your evidence , or supporting documents , when you file your claim


what if I file a claim in the FDC program?


If you file a claim in the FDC program and we decide that additional documents exist that we need to decide your claim , [7] we ll remove your claim from the FDC program and process it as a standard claim


Do I need to request relevant records?


if we decide we need it for your claim   [92] Make every reasonable effort to request relevant records that you authorize us to get that aren t at a federal facility .s   [93] These may include records from state or local governments , documents from a private doctor , hospital records , or records from current or former employers .


That's a start. And should I want to change my address, does it suffice if I do it in my online profile?


Yes, changing your address in your online profile will update your information across several VA benefits and services.


What else can I do online?


You can view your VA payment history, or check the status of your VA disability, pension, and education payments. You can also see certain survivor benefits.


Can I find out if I'm eligible for a veterans pension, too?


Yes, we can see if you qualify for VA pension benefits as a Veteran.


Hi, what if I am not currently receiving aid?


If you do not get the benefits, you can apply for such a plan.


What are the steps to apply?


It is important that you inform the Social Security representative.


What level of difficulty does it present when registering on the card?


It is fast and easy, you can also call 1 - 800 - 333 - 1795 to facilitate the process.


Do I have to have an account?


It is important that you carry your checkbook or a copy of your bank statement.


I wonder if I have to have an account before I can register?


Of course, in addition to being able to register for Direct Deposit.


What benefits does the Direct Express card have?


Mainly it has a goal that you can use to access your benefits.


what is The Affordable Care Act (ACA) and your VA health care coverage


The Affordable Care Act ACA also known as the health care law was created to expand access to coverage , control health care costs , and improve health care quality and care coordination


Do I still have to pay a penalty if I don t have health insurance?


You don t have to pay a penalty if you don t have health insurance in 2019 or any year after that


what  If I didn t have coverage or an exemption in 2018


you may still have to pay a fee when you file your 2018 taxes in April 2019 .


Through the end of 2018  the ACA required all U.S. taxpayers to have health coverage that met a minimum standard called the minimum essential coverage requirement unless they qualified for an exemption due to certain life events , financial status , or other factors


If I m not signed up for a VA or Department of Defense health care program, how do I get health coverage for 2019?


You may be able to get coverage through the Health Insurance Marketplace .


for my great and heard about that insurance and it is very good. Do you ask for a document to show it in the image session?


Yeah, we do that. The most basic documents would be: state-issued driver's licence and U.S, passport or passport card.


Can I use federal student aid to help pay for studies abroad?


Yes, you can use federal student aid to pay for one semester or your entire degree abroad.


Can I study abroad for a semester and still get aid?


Yes, you may receive federal student aid for a study-abroad program if you meet aid eligibility criteria.


Did you fill out a FAFSA form for college yet?


No, I have never filled out a FAFSA form.


Should what extra paperwork needs to be done on my list for studying abroad?


Yes, that should be on your list and also if you are required to have medical insurance.


Is the Medical University of Bialystok on the pass rates list for United states Medical Licensing?


Yes, it is on the list.


What is the best tips for researching schools?


The best tip is to start early because if you are studying abroad it takes longer for financial aid and to get everything together.


Hello, can you tell me the steps I need to take to renew a license?


Of course. Are you a veteran?


Yes, I am.


Are you a qualified U.S. military veteran who was honorably discharged, and do you have a NY State driver license, learner permit or non-driver photo ID card?


Yes, to all.


In that case you can have the word "Veteran" printed on the upper left hand of your photo document.


Ah, that's good to know. Say, what if my temporary visitor status has been extended?


Then you must go to a DMV office with your updated paperwork from the United States Department of Homeland Security DHS. We will update our records to show that your Temporary Visitor status has been extended so you can renew your license. Your new license will have your new temporary visitor expiration date.


Got that. What if it has been more than 2 weeks since my renewal?


Simply contact us.


Alright, I'll give the office a call after this conversation. Due to my military service I have moved a lot, between countries and states. Does my address have to match the one you currently have on record?


Yes. However, you can change your address online and then renew. There is no guarantee that the US Postal Service will forward your DMV documents to your new address.


I have questions about health care and insurance.


Do you have health care coverage from private insurance, medicare, medicaid, or tricare?


Yes


you can use VA health care benefits along with these plans .


Why does VA require me to provide information on my health insurance coverage (including coverage under a spouse s plan)?


We ask for this information because we have to bill your private health insurance provider for any care , supplies , or medicine we provide to treat your non - service - connected conditions illnesses or injuries that aren t related to your military service .


Am I guaranteed lifetime coverage with VA healthcare?


If you re in one of the lower priority groups ,  you could lose your VA health care benefits in the future


Does my current health insurance status affect whether I can get VA health care benefits?


No.s     Whether or not you have health insurance coverages  doesn t affect the VA health care benefits you can get .


What about Medicare does it pay?


Medicare may pay for other services you may need during your stay .Or ,  if we only authorize some services in a non - VA location ,  then Medicare may pay for other services you may need during your stay . Check your Medicare plan ,


Hi, i received a traffic ticket a little while ago and need info about t?


Sure. Do you have an specific question on that matter?


Well. i don't know exactly where to start, but i think didn't deserved that ticket.


Anyway, I received, so what to do about it, please?


Just follow the instructions printed on the ticket for he plea you need to make. Be careful to do it ASAP to avoid further complications.


What happens if i left the ticket unanswered?


Your license willl be suspended, besides to being found guilty of charge for not responding.


I have listed a address that is different from that printed on the ticket, what can i do?


If that so, please amend that writing the correct mailing address in the space provided.


Can i postpone a ticket?


Yes. You must file a request with the apropiate TVB at least 10 days before the date or your hearing.


Where i have to send a request for a ticket?


You have to send it in 10 days before your hearingin Albany


Hey, I'm planning for retirement and need some input.


Alright. Planning is the key to creating your best retirement. You'll need to plan and save for years to achieve your retirement goals.


Are you aware of the many factors that affect retirement planning?


Yes, I suppose so.


Then you should know that we want you to understand what Social Security can mean to you and your family's financial future.


Sounds good. Now, how do the retirement benefits work exactly?


Social Security replaces a percentage of a worker s pre-retirement income based on their lifetime earnings. The portion of your pre-retirement wages that Social Security replaces is based on your highest 35 years of earnings and varies depending on how much you earn and when you choose to start benefits.


Is there more than social security I should consider in my plan?


Remember, on average, retirement beneficiaries receive 40% of their pre-retirement income from Social Security.


What does this mean when creating my retirement plan?


Knowing the approximate amount you will receive in Social Security benefits can help you determine how much other retirement income you'll need to reach your goals.


What about my taxes? Are they put on a savings account to ensure the safety of my retirement benefits?


The money you pay in taxes isn't held in a personal account for you to use when you get benefits. We use your taxes to pay people who are getting benefits right now.


Hi, could you give me more information on financial aid that is available for international study please?


You may be able to get federal student aid to pay for your costs whether you plan to study for a short period like one semester or for as long as your entire degree


Is there a personal to-do- list that I would need to complete if studying internationally?


Along with a few other things, you would need to ensure that you have medical insurance in place before you go


Are there separate rules for getting aid if I am studying abroad for just one semester?


You may receive aid for one semester abroad but you have to meet the eligibility requirements


Do you normally complete a Free Application for Federal Student Aid FAFSA each year for college?


Yes, I normally do


In that case, you will be familiar with the FAFSA process, which is needed for aid for study abroad


Will I need a valid passport for studying abroad?


Yes you will, and medical insurance will be another important essential element of your study abroad


Aare there housing forms that I would need to complete if studying abroad?


Hello I need information about How to get my own CDL driving record


want to know What is a CDL driving record summary?


Yes


CDL business summaries show expanded driver history information that is not available in a standard Driving Record. This includes convictions, suspensions, reversals, and other license actions in any state on any type of vehicle. Information on medical certification status and self-certification information is also provided.


Could you tell me how I can connect through MyDMV


You can save and print a PDF version of your record. You will have up to 5 days after your order to download it. The fee is $ 7.


What do I need to create a MyDMV account?


To create a MyDMV account, you will need   a New York State license, permit, or non-driver identification or    your New York State license,


What if I asked for the renewal and it has not arrived?


You will need to wait for it to arrive before you can create a MyDMV account.


What if I have trouble downloading my registration?


Make sure your computer and your web browser have all the latest updates to avoid problems downloading your registry


you haven't sent me my ID yet


Has it been more than 10 days since you had your picture taken and you haven't received your Veteran Health Identification Card yet?


no, so it's 10 days before I can complain


Do you have hearing loss?


yes, how did  you know? are you looking at my file


If you need help through the phone you can call TTY:  711


I knew that trick already.  what should I do with my old ID once I get my new one?


Your old ID should be cut up or shredded. We want all Veterans who are enrolled in VA health care to have the new more secure VHIC that better protects your personal information.


what else you got?


We can help you learn how to get a Veteran Health Identification Card. We can also help you find out what to do if your card is lost or stolen and what to do with any old ID cards you may have used for VA health care in the past.


you can help if it was stolen?


Yes, if it was lost or stolen we can help you get a new one


Could you possibly give me some tips and pointers on developing a plan that would put me on track for student loan repayment in full and on time?


Before your repayment begins, develop a plan that puts you on track.


Is there any way to get an interest rate deduction on a Direct Loan?


If you schedule an automatic monthly electronic debit of your loan payment from your bank account, you may receive a 0.25% interest rate deduction on your Direct Loan.


Who Should I Contact About Loan Information?


If you re no longer in school , contact your loan servicer when you change your name, address, or phone number ; need help making your loan payment.


Is there a way to identify my servicer, too?


Yes. We have a list of loan servicers for loans that the U.S Department of Education ED owns.


Do you want to find out who your loan servicer is?


Yes, exactly.


In that case you can call the Federal Student Aid Information Center FSAIC at 1 - 800 - 433 - 3243.


What if I have loans from the HEAL program, in default?


Then you should contact the Debt Collection Center for help with account-related questions.


Good morning, I need to get information about the premium exemption for policyholders who are totally disabled


A premium exemption means that you will not have to pay your life insurance premiums the monthly payments you make to maintain your policy. In most cases, premiums can only be waived up to one year before receiving a claim.


What requirements must I meet?


Do you have a mental or physical disability that prevents you from having a job?


yes


Are you covered by the Service - Life Insurance for Disabled Veterans S - DVI?


Does your total disability occur before age 65 but after the effective date of your life insurance policy?


Right


Does your total disability continue for at least 6 months in a row?


since you qualify you may be able to get a waiver of your life insurance premiums


You've got it. Another question about TSGLI (Traumatic Injury Protection). Is TSGLI anything I'm eligible for?


You may be able to get TSGLI if you were insured by SGLI when you experienced a traumatic injury and you meet all of the requirements listed


Now regarding Veterans Mortgage Life Insurance, Am I eligible?  and qualified?


You may be able to get VMLI if you meet all of the requirements.


Am I eligible for VA Dependency and Indemnity Compensation as a surviving spouse?


You may be eligible for VA benefits or compensation for surviving spouses if you meet certain requirements.  You will also need to provide evidence with your claim showing that one of the descriptions is true for the veteran or service member.  That evidence may include documents like military service records, doctors' reports, and medical test results.


What are the requirements for me as a surviving spouse for VA Dependency and Indemnity Compensation?


Were you married to the veteran or service member prior to January 1, 1957?


I was not even born yet in 1957.


Did you marry the veteran or service member within 15 years of their discharge from the period of military service during which the qualifying illness or injury started or got worse?


No.  We got married while in service.


Were you married to the veteran or service member for at least a year?


Not quite a year, no.


Did you have a child with the veteran or service member?


We did not have children because of his deployments.


Unfortunately, no relevant information is found.


There's something else to consider about what happens after I apply? Is there a phone number where I can reach you?


Of course. You can call to the 877-222-8387, from monday to friday, 8:00 a.m. to 8:00 p.m. ET.


How do I find out how my former husband who was a prisoner of war during his service years was rated as it pertains to his benefits?


Since his release from active duty and for at least 5 years immediately before his death,o For at least 1 year before their death if they were a former prisoner of war who died after September 30, 1999Note: Totally disabling means that the veteran's injuries make it impossible for them to work.


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?


Of course. Are you wondering what exit counseling is?


Yes, like I mentioned above.


Well, exit counseling provides important information to prepare you to repay your federal student loan.


What if I have received a PLUS loan under the Direct Loan Program?


In that case you must complete exit counseling each time you drop below half-time enrollment, graduate or leave the school.


Wait, I have to complete exit counseling when graduating, too?


Yes, you do.


That's interesting, didn't know that. And who needs to complete exit counseling?


Students who have received a subsidized, unsubsidized or PLUS loan under the Direct Loan Program or the (FFEL) Program, must complete exit counseling each time they drop below half-time enrollment, graduate, or leave school.


Do I also need a verified FSA ID for this?


Yes, you need a verified FSA ID.


Is it possible for me to get a higher disability rating for spending time in a hospital?


Have you spent time in a VA hospital for related military service disability?


Yes, I have been in a hospital because of a related military service disability.


Then it sure looks like you should get a temporary 100% disability rating for time spent there.


How can I get VA disability benefits?


There is a possibility if you meet certain guidelines.


What are the qualifications to get disability benefits from the VA?


Did you spend more than 21 days in a VA hospital or other approved hospital for service connected disability?


No, I have not 21 days in the hospital for my disability from my service.


Is it possible that you were under hospital observation for more than 21 days at the VA's expense for a service-connected disability?


No, I was not under observation for more than 21 days.


Who is covered under VA disability benefits?


Only Veterans are covered.


None of my family is covered under VA disability benefits?


No, not at this time; but maybe in the future.


Can You Help Me Get Information About VA Home Loan Programs For Surviving Spouses?


Are you a surviving spouse of a Veteran?


do not


I would like to know Can I get a COE?


if you can possibly get a COE if you are the spouse of a veteran, and meet at least one descriptions for them


Does this meet?


yes


your spouse  Is missing in action?


How do you meet one of the descriptions if you can get a COE


and what do i have to bring to my lender?


you will need a COE Eligibility Certificate to prove to your lender that you qualify for this benefit


What is the fully developed claim for VA pension?


The Fully Developed Claim FDC program is the quickest way to get your VA pension claim processed and there is not a risk to take part in it.  All you need to do is send in your evidence or supporting documents to file a claim.


Do you need to send in more documents for your FDC program for us to decide?


Yes, I filed a claim and need to send in more documents to decide my claim.


Then we will remove your claim and process it as a standard claim and not FDC program claim.


Sorry, but I need to change the topic of our conversation.  Please tell me the process for getting VA pension benefits.


Yes. We can find out if you're eligible and how to apply for VA pension benefits as a surviving spouse or child of a deceased Veteran with wartime service, for example.


What requirements must I meet in order to receive non-service-connected pension benefits with Aid and Attendance or Housebound benefits?


Do you have corrected vision of 5/200 or less on both eyes?


Yes I have vision that is 5/200 or less in both eyes.


The you can claim a non-service connected pension benefits with Aid and attendance or Housebound benefits.


Is it true that among the requirements I must be at least 65 years old?


it is right. is one of the required requirements


Hi, I need to make regular payments on my student loan. What sort of options are available to make this easier for me?


You can set up a Standard Repayment Plan with  your loan servicer. If this does not work for you you can tell your loan servicer that you would like a different repayment plan. It is best to contact your loan servicer about repayment of  your loan.


Would you like to schedule an automatic monthly electronic debit for the repayment of your loan?


No I don't think I would like that.


Would you prefer to made a payment on your loan by sending a check by mail?


Yes I would like to pay by check.


That can be done. You will have to contact your loan servicer and ask for their mailing address and you can then mail them a check.


I'd like to inquire about what would happen to my loan if I stop making payments while my deferment application is pending?


You loan will be considered delinquent and you might go into default.


On a somewhat related note, with my current loans. What are my options to make my loan payment?


You can contact your loan servicer who will advise you as to how to make payments on your loan.


Okay, thanks for the heads up, I'll remember that. Another thing I'd like to learn more about is loan transfers, could you assist me?


Of course In some cases, we need to transfer loans from one administrator to another administrator.


Hey, glad i could reach you. You know, i think i have a problem with a veterans health card i requested, because it hasn't arrived yet, What happened there?


Remember delivery period goes up to 10 days after you photo session. So, i have to ask, Is that period over?


Yeah, is almost two weeks by now, and nothing.


Understood. Please call the VA medical center where you had your picture taken: if you can go there, then make use of our toll free number at 877-222-8387, Monday through Friday, from 8:00 am to 8:00 pm.


That's a handy information, thanks. If not with help from the coordinator that time, Can anyone help someone who want his/her picture taken in order to get its veteran health card?


Yes, the staff who are in collaboration with us. In that regard, they'll be happy to assist you to get your picture taken, scheduling alongside your next veteran health care appointment.


Do yo have any options for those whose hearing is reduced?


No problem, for that, just call to TTY 711


O.k, i'll write that down .Do you ask any document for showing in the picture session?


Yeah, we do that. The most basic documents would be: state-issued driver's licence and U.S, passport or passport card.


I read the other day that veterans cards are pretty cool now. Why is that?


New cards have a lot of improvement over the others. These cards include Braille language and your latest service.


Then to clarify, how do i get my card?


You'll need to be enrolled in VA health first.


Hello I need information about How to get my own CDL driving record


want to know What is a CDL driving record summary?


Yes


CDL business summaries show expanded driver history information that is not available in a standard Driving Record. This includes convictions, suspensions, reversals, and other license actions in any state on any type of vehicle. Information on medical certification status and self-certification information is also provided.


What do I need to create a MyDMV account?


To create a MyDMV account, you will need  a New York State license, permit, or non-driver identification or   your New York State license


and what is a summary of the driving record?


A summary of the driving record is a certified DMV record. All include a certification statement and the signature of the Commissioner of Motor Vehicles, as well as a safety watermark


And another question, what is the main theme of this guide?


the main topic is DMV Records


What do I do if I can't access MyDMV?


You can mail a CDL Certified CDL Summary Report Request - CDL Form along with the $ 10 fee to the DMV at the address provided on the form, or have your employer request your CDL driving record summary through LENS


Is it possible for me to get federal student aid if I am studying through an international shcool?


Yes you may be able to use federal student aid to pay your expenses at an international school.


Can aid be used for just a semester or do you have to do your entire degree with an international school to qualify for aid?


You can study abroad for just a semester or get your entire degree outside the United States with the help of federal student aid.


Do all international schools participate in the federal student aid programs?


Have you decided to get your degree from a school outside the U.S.?


Yes I have.


That is great, congratulations. Now let us help you find out which international schools participate in the federal student aid programs and guide you through the process of getting federal aid to help pay for your tuition.


Is it possible to get help researching schools and their requirements?


Yes we can help you with the process of researching international schools and their requirements.


How long will it take to get financial aid for studying abroad?


You should start early. You have got more to do than if you were going to an American school. It will take longer to get your aid. You can't apply for financial aid this month and use it to pay  your tuition next month. It will take longer that that.


when should I decide to start retirement benefits


Choosing when to start receiving retirement benefits is a personal decision


you choose to retire begin receiving benefits when you reach your full retirement age?


not


What happens if I do it?


you can increase your future Social Security benefits


How to check my earnings history


The amount of the Social Security benefits you or your family receives depends on the amount of earnings shown on your record


What is your opinion


Working , Applying For Retirement , Or Both ?


What Age Should You Start To Receive Benefits?


The age you begin collecting your retirement benefit affects how much you will receive . There are three important things to know about age when thinking about when to start your benefits


Are there VA mortgage loan programs for surviving spouses?


Are you a surviving spouse of a Veteran?


yes, I am a surviving spouse of a Veteran


ok, you will need a COE Eligibility Certificate to prove to your lender that you qualify for this benefit,


To request a COE, is it necessary or not to receive a DIC for compensation for dependency?


depends on whether you receive the DIC or not, it is the way in which you will request the COE


how is it possible to get a COE?


You may be able to get a COE if you are the spouse of a veteran


What requirements must I meet to obtain a COE?


Do you have the Missing in Action requirement?


No, I don't have the requirement.


is your spouse a prisoner of war?


yes my spouse is a prisoner of war


According to the information provided, you meet the requirements to obtain the COE


Can you receive disability for Agent Orange exposure?


Did you fly or work with a C-123 aircraft in Vietnam or other locations?


Yes, I was a mechanic on the C-123 during the Vietnam War.


You may have had contact with Agent Orange in which case you may qualify for disability benefits.


Is there a number I can call for more help filing my claim?


Yes, for more help you can reach out to a trusted professional who is able to help with VA-related claims.


Are there certain requirements for getting this disability?


Yes, do you have an illness that is believed to be caused by contact with Agent Orange called a presumptive disease?


Yes, I was diagnosed by a doctor as having a condition that was caused by my contact with Agent Orange.


You would qualify for disability benefits from the VA.


Are there any files I can download for more information about Agent Orange claims?


Do you specifically want to know more about Agent Orange as pertains to the C-123 aircraft?


No, just Agent Orange claims in general.


Can you please tell me about exit counseling?


Are you preparing to repay a federal student loan?


I am indeed preparing to pay off my loan.


Exit counseling provides important information to prepare you to repay your federal student loan.


Have you received a subsidized, unsubsidized or PLUS loan under the Direct Loan Program or the FFEL Program?


Yes, I have.


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.


How long does the counseling process take?


The entire counseling process must be completed in a single session and most people complete it in twenty to thirty minutes.


Do I need anything with me in order to complete the counseling?


You will need your verified FSA ID.


Who should complete this exit counseling?


It should be completed by students who have received subsidized, unsubsidized or PLUS loans under the Direct Loan Program or the FFEL Program each time they drop below half-time enrollment, graduate, or leave school.


Hi, I need some more info on Dependency and Indemnity Compensation, and if I am eligible as a spouse.


You may qualify if you meet certain criteria.


What is the criteria?


We can discuss that. Did you marry the service member or Veteran before January 1 1957?


Oh no, much more recent than that.


Ok, did you marry the Veteran within 15 years of their discharge?


No, that isn't me either.


Were you married to the Veteran for at least 1 year?


No, again, not the case.


Do you have a child with the Veteran?


Yes, that is correct.


I am a surviving parent, how do I apply for compensation?


You can fill out a Application for Dependency and Indemnity Compensation by Parent VA Form 21P-535.


I see. Please allow me to ask a follow-up question. in order to be eligible for VA disability benefits Is there any other way he could be eligible for benefits?


Your father has to be diagnosed with an illness related to Agent Orange exposure to qualify.


Well done. When you contact the National Cemetery Scheduling Office, gather the details and documentation you'll need to locate the deceased. Okay, what kind of details do I need to provide you with about this procedure?


You are going to need to provide information about the closest living relative of the deceased, as name and the relationship to the veteran.


Good day. I have some questions regarding the direct plus loan. It'd be kind of you if you answered them for me.


Of course. PLUS loans can help pay for education expenses not covered by other financial aid.


Are you looking to apply?


Yes, that was my plan.


You can use the online application to apply for a parent PLUS loan.


How will I know who my loan servicer is for loans owned by the US Department of Education ED?


You can find that out by calling the Federal Student Aid Information Center FSAIC at 1-800-433-3243.


I'd like to know if I can apply for Public Service Loan Forgiveness?  What should I do in order for my loan to be discharged?


a


Is there a set of requirements for receiving financial aid? What can you tell me about grants?


Grants are financial aid that's typically based on need and doesn't typically have to be repaid


A question about PLUS Loans, how much can I borrow?


The maximum PLUS loan amount you can borrow, is the cost of attendance at the school your child will attend, minus any other financial assistance your child receives. The cost of attendance is determined by the school.


hi i need help about Can I get benefits by volunteering for research involving chemical and biological testing?


Are you one of the 60,000 veterans who volunteered?


do not


Were you involved in this investigation?


Unfortunately, no relevant information is found.


Select merchant sailors were also exposed in Bari, Italy.


What kind of disability benefits can I get?


Health care and Compensation payments


Where can i get more information?


If you have questions or need help getting medical care:     Visit the US Army website. USA, or   Call 800 - 984 - 8523


This reminds me of having enough Social Security credits. There are also various services available, right?


When you file, you'll have to show that your health problems are linked to your contact with certain environmental hazards while serving in the military.


How can I share the voice about the availability of federal student aid for college or vocational school?


With us you will be able to share our information with potential college students, their parents, counselors, or other mentors.


what can i do if they visit my website frequently


You can help us share information about federal student aid with your audience.


Another question, about program reviews, what is the final program review determination?


FSA issues a Final Program Review Determination that is a report which includes the findings identified in the program review report, the school's actual response, and the Departments final determination.


How do I locate the Final Program Review Determinations from the third-party servicer?


Visit the "Third-party Service Program Reviews page which will give you an overview of the top program review and audit findings by fiscal year.


What about FY2018?


You can access FY2018.


How do I access all documents associated with focused-Clery Act reviews?


You would need to visit the "Clery Act Reports" page.


I need more tuition help to pay for school


Does your college tuition cost more than what is covered by the Tuition Assistance program ?


no it doesn't but I want to know for when I take classes


How do you pay when we use the GI Bill ?


we will pay back your school the difference between the DoD payment and the authorized approved maximum tuition and fees .


How will this tuition assistance affect a post 9/11 GI Bill?


The benefit will be charged based on training time no matter how much money you are paid back .  Half-time training rates reduce your GI Bill benefit by a half - month for each month you are enrolled .


how do I qualify for extra tuition assistance?


Do you qualify for the Montgomery GI Bill Active Duty MGIB - AD or Post-9/11 GI Bill benefits?


no I don't


If you are not qualified then you are not eligible for tuition assistance


okay, and how will Top-Up change how much I have left in a GI Bill in case I were to take courses after leaving the military?


You can use the GI Bill Comparison Tool. It will help you figure out if the GI Bill benefits you have left will cover your needs.


I need some information about Agent Orange exposure on Navy ships.


Did you happen to serve on a Blue Water Navy vessel offshore of the Republic of Vietnam , or on another U.S. Navy or Coast Guard ship sailing in the coastal waterways of Vietnam , between the dates of January 9th, 1962 and May 7th, 1975?


No, but my Father did.


How can my father get VA disability benefits?


Has your father been diagnosed with a presumptive disease believed to have been caused by Agent Orange exposure?


No, he hasn't.


In this case, your father doesn't qualify for disability benefits due to Agent Orange exposure.


Is there any other way that he could qualify for disability benefits?


Your father has to be diagnosed with an illness related to Agent Orange exposure to qualify.


How would he file a claim for disability compensation?


To file a claim, he will need to submit his medical record that shows he has an Agent Orange related illness.


Where can I find more information about how to file a claim?


There will be additional information about filing a claim on our website.


Can you tell me about Servicemembers Group LIfe Insurance?


Servicemembers Group Life Insurance or SGLI offers low-cost term coverage to service members.


If I meet certain criteria as a service member what happens with my group life insurance?


We will automatically sign you up and you can find out if eligible and we will teach you how to manage your SGLI coverage.


Am I eligible for SGLI?


You can get full-time SGLI coverage if you meet certain criteria.


What are the criteria I need to meet?


Are you scheduled for 12 periods of inactive training for the year?


Yes, I was scheduled for 12 periods of inactive training this year.


Did you do drilling for points rather than pay?


Yes, I did drilling for points rather than pay.


Then you are eligible to get full-time SGLI coverage.


How much loan forgiveness could I possibly get?


The most loan forgiveness you could get is either$17,500 or $5,000 and it is determined by what subject area you taught.


What if I have eligible loans under both Direct Loan and FFEL Program?


You still can only receive a combined maximum forgiveness of $17,500 or $5,000.


Do I need to submit a seperate application for both?


Yes, you would need to submit a seperate application for both.


What a the eligibility requirements for me to get up to $17,500 loan forgiveness?


Did you teach as a highly qualified full-time math or science teacher at the secondary level.


No, I did not teach those subjects or at that level.


Are you a highly qualified special ed teacher at the elementary or secondary level whose primary responsibility was to provide special ed to children with disabilities?


No, I am not a special ed teacher.


Then you are not able to receive $17,500 or $5,000 loan forgiveness.


Afternoon. I'm reaching out because I received a Traffic Ticket from the Traffic Violations Bureau and I don't know what to do.


I mean I'm pretty sure the decision was incorrect, so I believe I can appeal that..


My violation points from a 18 month period does not add up 11. What's the consequence if they add up 11 or more?.


In that case your license may be revoked or suspended following a hearing.


Yes that's what they did. But I was also issued a ticket before that, but I don't know what to do with that.


Follow the instructions on the ticket for the plea you wish to make , and act promptly.


Just to be sure, you didn't answer your ticket in the time allowed, is thast correct?


Yes, I didn't answer the ticket is that bad?.


Yes, that's basically why you got your license suspended. You were found guilty of the charge of "failure to respond a default conviction" so that's why your license now is suspended. It has nothing to do with your violation points adding up 11 or more (since it's not your case, because they add up less)


So can I get another date for my hearing? I mean, I know I can't postpone it now, but I'd like some sort of appeal to explain or get a chance to another hearing.


The appropriate TVB must receive your request by mail at least 10 days before the date of the scheduled hearings (your hearing happened already) but you can request another hearing in person at that office.


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Yes, I already have a insurance plan and medicare.


Alright. That's not a problem at all, you can use a VA health care benefit along with others plans.


If there is no problem, why do you need to know about that then?


We need that information, because we have to bill your private health insurance provider for any case, supplies or medicine we provide to treat you.


What I need to do to submit a restriction request?


For that, you are gonna need to go to your nearest VA health facility and have a private talk with the privacy officer.


There is needed any other request to get a health care for vets?


Not really. You don't need any other insurance to meet this requirement.


The health coverage is limited to some places?


Yes, that's right. That's were your medicare may pay for some other services you may need.


Why do you need all this information?


This way we can provide to your private insurance provider information about the treatment we give you.


Hello, I need information on how to request personalized plates.


you want to know How to request personalized plates?


Yes


of course You can request personalized license plates for passenger vehicles, commercial vehicles and motorcycles.


And the photographic plates can be customized?


of course Many photographic plates can also be customized. You can browse our collection of prints online.


where can i get them?


You can browse our collection of prints online. there you can get them


How do I order personalized plates for people with disabilities that have the Universal Access Symbol?


To request them, call the Personalized Plate Unit at 1 - 518 - 402 - 4838. The hours of operation are 8:00 a.m. at 4:00 p.m., Monday through Friday.


How long should I wait for new plates and registration?


In approximately 10 days or less after your order is processed, you will receive new registration documents showing your current license plate number and your new license plate combination.   Wait at least six weeks for custom plates to arrive


Can I get federal student aid to help pay for international schools also?


Yes, whether you want to study internationally for one semester or get your degree outside the US you may be still eligible for federal student aid.


Would I need to worry about having an VISA?


Yes, you may need a VISA and also medical insurance.


Is it smart to start to do research on schools abroad early?


Yes, you should start early when you want to study abroad because you got more to do.


How can I research international schools and their requirements?


First off it is wise not to panic and you are on your own; but if you are very organized and determined you will be just fine.


I want to study abroad for a year is federal student aid available?


Yes, it could be available for studying abroad if you meet the aid eligibility.


Do you know about the FAFSA form?


No, I don't think I have ever filled out the FAFSA form.


I want to know about the Affordable care act and VA coverage


The Affordable Care Act ACA also known as the health care law was created to expand access to coverage , control health care costs , and improve health care quality and care coordination . Find out what you need to know about the ACA and your health coverage .


I wanted to know if VA coverage is enough to not need that, is it?


There are VA programs that meet the minimum essential coverage requirement for 2018


Were you covered by VA in 2018?


no


Unfortunately, no relevant information is found.


wait, maybe but which ones are the programs that qualify for minimum coverage?


The VA health care program , The Civilian Health and Medical Program of the Department of Veterans Affairs CHAMPVA , CHAMPVA through the Program of Comprehensive Assistance to Family Caregivers , The Spina Bifida Health Care Benefits Program , or A Department of Defense TRICARE plan


I also want to use the internet to look up VA appointments.


You can check our list of VA facilities that are currently using the online scheduling tool. We hope to expand the number of VA facilities and types of appointments in the future. What are the different types of VA medical appointments that I can make online?


Will my personal health information be protected?


Yes, this is a secure website. However, if you want, you can get tips for protecting your personal health information.


for Direct Deposit of Social Security how can I do if I am already receiving benefits?


Are you sure you already receive Social Security or SSI benefits and have a bank account?


yes i have everything


You can enroll in Direct Deposit using three types of process


When I decide which account is right for me, what should I do?


You must inform the representative of the financial institution that you are interested in registering to receive your benefits through Direct Deposit.


What is the first deposit registration process?


you must start or change Social Security benefits online direct deposit only


and in case of not having an account?


In that case you must open an account before you can register for Direct Deposit. You should compare prices in your area to find an account that has the features you want at a price you can afford.


If I don't have Social Security benefits yet but I'm planning to apply, what should I do?


tell the Social Security representative when you apply for the benefits you want to sign up for Direct Deposit


Fully developed claim for a VA pension


The Fully Developed Claim FDC program is the fastest way to get your VA pension claim processed, and there s no risk to your taking part in it .


If you file a claim in the FDC program and we decide that additional documents exist that we need to decide your claim we ll remove your claim from the FDC program and process it as a standard claim .


by filling out the claim they can decide


Unfortunately, no relevant information is found.


least one of these must be true about my service?


Served on active duty for any length of time during a period of war and were discharged due to a service - connected disability


nothing more?


Started on active duty before September 8 , 1980


Your net worth and income are within certain limits


I'd like to ask another question regarding VA pension benefits. Are the any benefits for the survivor dependents?


Yes, there is. A spouse or child of a veteran can apply for a VA survivor pension benefits, of a veteran with wartime service.


I'm still interested in learning more about non-service-related pension benefits. Is it true that being at least 65 years old is one of the requirements?


it is right. is one of the required requirements


Hello, I need some help registering my moped. Could you help me out?


I know there are some documents I have to take to DMV in order to register my moped, but I don't know all of them, can you tell me what should I take to DMV?


Before you go to DMV you have to complete the Document Guide to make sure you take the correct documents with you.


Okey, thanks. Just to be sure I own a moped and not a normal motorcycle, what is exactly what DMV consider a moped?


New York law (not DMV specifically), defines a moped/motor scooter as "limited use vehicles with two or three wheels". But generally speaking a moped is a small motorcycle with bicycle pedals.


Great! Hey, I just read the Document Guide and realised I don't have any of the documents to proof my age and identity. What can I do in that scenario?


You must provide other kinds of proof, don't limit yourself just to the documents listed.


My county is not listed in the online reservation.


See our office locations and hours here www.dmv.com/locations/counties


Thanks. One more question, are there any special requirements to operate a moped here in New York?


They are exactly the same as motorcycles. Having a driver license is a MUST and you have to register your moped in order to drive it. There are a few exceptions to these requirements that you can see in the Document Guide section B


can you assist with VA mental health services?


Yes I can help you Find out how to access VA mental health services for posttraumatic stress disorder PTSD , psychological effects of military sexual trauma MST , depression , grief , anxiety , and other needs .  You can use some services even if you re not enrolled in VA health care .


Do you need to speak to someone immediately?


No not immediate need.


Are you currently active duty or been out for less than a year?


No not been out more than a year.


Unfortunately, no relevant information is found.


How do I reach the suicide prevention hotline?


Start an online chats Or call 800 - 273 - 8255


Will the suicide prevention hotline assist me regardless of if I have reached out before or is a complaint or report needed? Wh


you can get help through VA even if you haven't reported the MST or have other proof that it happened .


and I qualify for help if I'm a veteran even without prior history of needing some sort of help?


you can get help through VA even if you don t qualify for other VA services . Remember that you also don't need to have reported the MST or have other proof that it happened , and you don t need to have a service - connected disability rating to receive help.


Can you help me with retirement benefits?


Is it for your spouse?


No, my spouse's.


Are you affected by the GPO?


Yes, I have a pension from a job not covered by Social Security.


Do you want to estimate your spouse's benefits?


Not yet.


What information do I need to do that?


You need your estimated gross monthly income for your pension and the estimated monthly amount of your spousal benefits.


Are there any exemptions to the GPO?


Yes, you can refer to the section called "When won't my Social Security benefits be reduced?"


Tell me about Agent Orange exposure?


The U.S. military used Agent Orange to clear plants and trees during the Vietnam War


What else could you tell me?


If you served in Vietnam or in or near the Korean Demilitarized Zone DMZ during the Vietnam Era or in certain related jobs [4] you may have had contact with this herbicide .s   [5] We refer to this as having a presumption of contact .s   [6] Find out if you can get disability compensation and other benefits for illnesses we believe are caused by Agent Orange


Can I get disability benefits from VA?


Do you have an illness we believe is caused by Agent Orange called a presumptive disease?


No


You won't be able to get disability benefits


very well. now forA g e n.One more thing for XXXX . Who's covered?


Veterans and Qualified dependents


How do I know if I had contact with Agent Orange?


Did you serve in the Korean Demilitarized Zone (DMZ) or near it during the Vietnam War?


you may have had contact with Agent Orange , an herbicide the U.S. military used to clear plants and trees during the war . We refer to this as having a presumption of contact . Find out if you can get disability compensation and other benefits for illnesses we believe are caused by Agent Orange .s


[73] You may have had contact with Agent Orange if you served in any of these waysr   [74] In Vietnam or Korea Between January 9 , 1962 , and May 7 , 1975 , in Vietnam , or between September 1 , 1967 , and August 31 , 1971 , in or near the DMZs   [75] On U.S. Navy and Coast Guard ships or other vessels in or near Vietnam Between January 9 , 1962 , and May 7 , 1975   [76] On Thailand military bases Between January 9 , 1962 , and May 7 , 1975   [77] On C-123 airplanes Between January 9 , 1962 , and May 7 , 1975   [78] In testing and storage areas outside of Vietnam Between 1944 and a yet - to - be - determined date


Do I qualify for a discharge of my federal student loan?


You can qualify if you are totally or permanently disabled.


Are you totally and permanently disabled?


Yes I am.


To qualify you must complete and submit a TPD discharge application, along with various documentation.


What if I submit VA documentation?


We will notify you that your obligation has been discharged based on VA documentation.


Through the document, who does the term "we", "our", and "us" refer to?


The US Department of Education.


What other documents will I need?


You will need documents that show that you meet our requirements for being considered totally and permanently disabled.


Can I qualify for a TPD discharge by having a doctor certify that I am disabled on an application?


Is your disability expected to result in death?


Sadly, yes.


I am terribly sorry to hear that. You can have your doctor certify on the TPD discharge application that you are unable to engage in any substantial gainful activity due to a physical or mental impairment.


Does a TPD discharge mean that I won't have to repay my loan back?


Yes. You will not have to pay your loan back.


hello I need information about Driver's License, Permit or Non-Driver Identification


You must visit your local DMV office and bring proof of the change.


How do I change gender?


Did you have a gender change or are you transgender?


do not


Unfortunately, no relevant information is found.


what if it's not time to renew?


Take to a DMV office     a completed Permit Application, Driver's License or Driverless Identification Card PDF MV-44


I was wondering if a proof for trailers was required for Model Years 1973 or newer with an unladen weight of 1,000 lbs. or more?


either the NY State Certificate of Title and it must be the original or a certified copy ,or  acceptable proof of ownership from another state


I almost forgot to inquire about the Permit Application. What address should I send it to if I plan to do this by mail?


The address that you will need to send your documents and payment to is the NYS DMV Title Services Department of Motor Vehicles, 6 Empire State Plaza, Albany, NY 12228-0331.


Regarding the registration and title of the vehicle, how can I change the name of the title?


do you want to update your legal name?


Yes


To update your legal name, please bring these items to your local DMV office


I need to know how to prepare for college.


You should first define your goals and interest and be sure to know the costs and how to plan financially and academically for college.


Is there something I can use as a guide to get ready for it?


you can use our checklist to get ready financially and academically.


what is your checklist? . When will colleges and career schools offer tuition discounts?


Did one your parents go to a college you are applying to?.


Yes, one of my parents are an alumnus or alumna of the college I am applying at.


Then there is a possibility that you will get a discount at that college.


Is there a way to compare the costs of colleges?


You can find info about whether the cost of a college is low, medium, or high by using the College Scorecard.


What are the costs of college?


College costs include more than tuition and room and board.


How long does the extended repayment plan allow you to pay your loan back?


You could make payments up to 25 years on the extended payments plan.


Would you like to make lower monthly payments over a longer period of time than under the standard repayment plan?


Yes, I would like to make lower payments over a longer period of time.


That is great because the extended repayment sounds like it is right for you.


Do you know how many plans exist that best suit my situation? Could you give me information about this, and if up to the deadline I have not rectified my family's data, what would be the consequence?


it would have consequences but they vary according to the plan


By the way, for extended repayment plan, what are the eligible federal loans for it?


Direct Subsidized Loans is one of the eligible federal loans.


I have another question about consolidation loans, how are my monthly payments?


Well, if you have a consolidation loan the monthly payments start out low and get increased every two years.


there is something else about Plan Eligibility. What if I am a FFEL borrower, can I qualify for an extended repayment plan?


You must have more than $30,000 in outstanding FFEL Program loans and have no outstanding balance as of October 7,1998.


What if I have $35,000 in outstanding FFEL Program loand and $10,000 in outstanding Direct Loans?


You would be able to choose the Extended Repayment Plan for your FFEL but not your Direct Loans.


What federal loans are eligible for the Extended Repayment Plan?


William D. Ford Federal Direct Loan and the Federal Family Education Loan are eligible for the Extended Repayment Plan.


I wanted to look into tutoring help through the VA


Are you using VA educational assistance and struggling with a class?


yes I am


Then you might be able to get help paying for a tutor. You can find out how it works.


what else needs to happen for me to be eligible?


Are you enrolled in an educational program for half - time or more ?


no, less than that


If that is the case then you are not eligible since you don't meet one of the requirements


what kind of help can I get if I take more classes?


You would get money to pay for a tutor


what are they types of things I would need to do to get help paying if I ever get eligible?


Your instructor must agree that you need a tutor and write a letter on your behalf . The instructor should send the letter to your school's certifying official and add a copy to your VA student file .


Can anyone apply for retirement benefits online?


You can apply online for retirement benefits or benefits as a spouse.


How do I know if there is a problem with my online application?


You will get a message that tells you there is a problem and what actually caused it.


Okay, that's it. Now, let's talk about Social Security Benefits. What methods are used to receive the credits?


do you pay Social Security taxes?


yes


In that case, earn up to a maximum of four credits per year.


and how much credit should i get?


You must obtain at least 40 Social Security credits to qualify for Social Security benefits.


What if I am legally blind?


You only have to comply with the duration of the proof of work.


Hello there. I need to know what happens if I miss the annual deadline to recertify my income.


Of course. It's important for you to recertify your income and family size by the specified annual deadline.


Did you NOT recertify your income by the deadline?


No. I mean yes, but my case is a little specific.


Did you NOT recertify your income by the deadline and are you under the REPAYE plan?


Yes. That's the issue.


Then you'll be removed from the REPAYE Plan and placed on an alternative repayment plan.


What changes if I get an alternative repayment plan?


Under this alternative repayment plan, your required monthly payment is not based on your income.


That's good to know. So what types of student loans can I repay under an income-driven repayment plan?


The chart on our website shows the types of federal student loans that you can repay under each of the income-driven repayment plans.


Did you consolidate a FFEL Program Loan or Federal Perkins Loan into a Direct Consolidation Loan?


No, I didn't.


I wanted to find out more about VA education aid for dependents


Okay, we can help you learn about the Survivors and Dependents Educational Assistance program .


who can get benefits?


If you are the child or spouse of a Veteran or service member who has died, is captured or missing, or has disabilities, you may be able to get help paying for school or job training through the DEA program also called Chapter 35.  We can help you find out if you are eligible for benefits.


is DEA the same as Survivors and Dependents Educational Assistance and I am in the right place?


It is the same and we can help you learn more about the program


How do I know if I am qualified for the program?


You may be able to get these benefits if both you and the Veteran or service member meet certain eligibility requirements.


Do you want me to ask you questions to see if you are eligible for the DEA program?


yes


Is the Veteran or service member permanently and totally disabled due to a service-connected disability?


and we both have to meet the requirements?


Yes, both you and the Veteran or service member have to meet certain eligibility requirements.


can picture plates be personalized?


yes. some picture plates can be personalized for an addition fee in addition to your picture plate and regular free


for personalized plate availability and pricing for the picture plate you are interested in... does this apply to you?


can i browse a collection?


what can i use for a personalized plate combination?


your requested plate combination is subject to review


can i browse them online?


you can browse our collection of picture plates online


what can i use for a personalized plate combo


8 characters on standard series, 6 characters on a personalized


how many characters for a picture plate?


6 characters.


are there any plate combinations that are restricted?


personalized plates that give the appearance of an official plate of the configuration of special registration classes


Hello, I would like some information about Medicare, do I qualify.


you certainly do if you are over the age of 65.


Do you plan to delay your retirement benefits?


No I think I won't.


Unfortunately, no relevant information is found.


What happens when my spouse files a benefit?


If that is the case, they will effectively be filing for all retirement or spousal benefits.


I've read something about widow benefits, what is that?


f you qualify for benefits as a widow you have the option to apply for survivors benefits now and delay your retirement benefit until later.


Can my spouse receive benefits on my record?


If they are of a certain age, then they must file straight away and will be effectively filing for all retirement or spousal benefits.


Is there a earnings limit when I reach my full retirement age?


No, once you reach full retirement age there is no limit on how much you can earn.


What if I die, will my spouse get full benefits?


How much money would my family get if I died?


This would depend on your average lifetime earnings.


After full retirement age, your surviving spouse may receive your full benefit amount plus any accumulated delayed retirement credits.


On a somewhat related note, Medicare. Is there any disadvantage to applying for Medicare later than advised?


Yes there might be a delay of your Medicare coverage and it might cost more.


Can picture plates be personalized?


Yes, some picture plates can be personalized for an additional fee.


Which picture plate are you interested in?


Any of them.


You can browse our collection of picture plates online.


What fees are associated with personalized plates?


There is an annual fee in addition to your vehicle registration renewal fee and will be paid when you renew your registration.  If you renew for two years, there will be two annual fee.


How much do personalized plates cost?


Passenger and Commercial plates initial cost is $60 and the annual fee is $31.25.


What is considered a personalized plate?


Personalized plates are standard series plates that have a combination of numbers and letters that you select.


Are there restrictions?


Yes, plates can not give the appearance of official plates, be obscene, derogatory, or offensive or be combinations that do not have one letter.


how to apply for income-based student loan repayment


Are you currently on an income-based plan and want to apply?


yes


You can apply for an income - driven repayment plan that limits your payments to a percentage of your income


I'd also like to learn more about Entrance Counseling. What information do you have on entrance counseling?


Entrance Counseling is required before you can receive your first Direct Subsidized Loan, or Direct Unsubsidized Loan as an undergraduate, or your first Direct PLUS Loan as a graduate/professional student.


What can you tell me about TEACH grant counseling?


Well, you can complete TEACH Grant Initial and Subsequent Counseling.


Alright then. Finally, how do I begin my exit counseling session?


Simply log in to start your exit counseling session.


would you give me information from the Public Service Loan Forgiveness


Do you work for a US federal, state, local, or tribal government or a nonprofit organization?


if i work for a federal government


in this case you may be eligible for the Public Service Loan Forgiveness Program


What happens if I enroll in Program A but then decide not to stick with it and move to Program B?


In that case as you were unable to complete Program B because the school close only the loans you received for Program B may be discharged.


If my school closes which loans are eligible for discharge?


Do you have a William D. Ford Federal Direct Loan, a Federal Family Education Loan (FFEL) or a Federal Perkins Loan?


Yes I have one of those loans.


In that case you may be eligible for a 100 percent discharge of your loan if your school closes.


My school closes and I need a copy of my academic transcript. Where can I get this?


You should contact the state licensing agency in the state where the school was located to find out if the state has the records.


Hi, do I need information regarding Survivor Benefits please?


I recommend looking at the Survivor Planner for information on the subject.


Does the spouse qualify for benefits?


Of course, a retired worker's spouse or divorced spouse qualify for that purpose.


Perfect, what else should I know?


It is important to note that this can happen even if you have never worked under Social Security.


What would happen if you die?


It is important that you search for information related to the topic.


What is the labor credits?


It is essential to highlight that This protection is particularly important for young families with children.


What is the maximum number of Social Security credits to qualify?


You can use our Retirement Estimator and from there take out the accounts.


I want to suspend my student loan payments, due to the current crisis. Can you help me with that?


Of course. We'll help you stay on the path to successful repayment of your federal student loan.


Even if I just started to repay my loan?


Yes. Whether you are just beginning to repay your student loan s or have been in repayment for a while, sometimes you might have trouble affording your payment amount. Fortunately, there are solutions.


I see. What if I don't recertify on time?


In that case you'll be removed from the income-driven repayment plan and your monthly amount due will very likely increase.


Do you also know about this Temporary Relief for loans, would I be able to suspend my monthly payments as I am without work, as a result of COVID-19?


To provide relief to students during this time federal student loan borrowers are automatically being placed in an administrative forbearance which allows you to temporarily stop making your monthly loan payments. This suspension of payments will be from March 13, 2020 through September 30, 2020.


Is it possible that I could lower my payments on an income-driven repayment plan?


Yes this is possible and it might be better to consider a income-driven repayment plan than deferring payments altogether. Income-driven plans base your monthly student loan payments on your income and family size.


Are there any tax implications of going for an income-driven repayment plan?


Yes you might have to pay taxes on the amount forgiven especially if you are making payments of $0 per month.


want to change the info on a title


Do you want to change the name on a title?


yes


Do you want to update your legal name?


no, I'll update later


Unfortunately, no relevant information is found.


how do I change my gender?


You have to visit your local DMV office and bring proof of the change.


Have you had a gender change?


You will need a completed Vehicle Registration/Title Application, your registration and title, and proof of a gender change to make changes to your DMV information.


I have never had or will have a gender change. Where can dealers find information on filing or disposing of a lien?


See Remove or add a lienholder from a title


I'd like to know if is it possible to sign up if the driver's license is a commercial CDL?


of course can also subscribe to receive email and / or text reminders about the status of their medical certifications


I would like to schedule a road test please.


Please use the road test system to schedule confirm, cancel or schedule a driving skills road test including CDL and motorcycle online or by phone


Did you already take a test?


No I have yet to sign up and take one


Is your learner permit up to date?


It is, yes


You will need to get one.


Ok sure that is no problem


These are the following requirements


ok thank you for being helpful


Do you fit those requirements


Are the fees really high?


The fees vary


Does it take a while to review?


It can take up to 2 weeks to review


How does Va compensation pay?


Sure I can help with that.  VA disability compensation pay offers a monthly tax - free payment to Veterans who got sick or injured while serving in the military and to Veterans whose service made an existing condition worse


Did you want to manage your veterans disability benefits?


no


how do I find out if I am eligible?


EligibilityFind out if you re eligible for VA disability benefits for a presumptive disability or other service - connected condition