Ahh, then i wasn't so diverted, huh?. Hey, don't know if you can clarify me this, but i was about to buy a car but the dealer told me he couldn't give me the vehicle because having a lien on its title. IS there a way to remove that?


Is it okay if I ask another question? in relation to the title certificate What happens if a lien holder obtains a copy of my title certificate?


In a number of states, a lienholder is in possession of the title certificate until the lien has been satisfied in full. When the lien has been satisfied, they then send the title certificate to the owner


Yes, there is. He must go online and the search for "Remove or add a lienholder from a title" in our search tool.


Now I have a new query. Is there anything else that could be used as evidence?


in fact, there are. You can submit a proof of payment of the sales tax. DMV can provide you with FS-6 T receipt after you claim a sales tax exemption. Also, you can add a Form MV-50 aka Dealer Retail Certificate of Sale, completed by a dealer located in NY.


O.k, i was guessing it could be more of those documents. These can all be sent via mail or delivered in person at your offices, right?


That's right. You have those options available. You can choose that most adequate to you.


hi i need help about Exposure through Project 112 or Project SHAD


If you were part of the chemical and biological warfare tests through Project 112 or Project SHAD Hazard and Defense SHAD?


do not


Can I get VA disability benefits?


You may be able to get disability benefits if you meet the two requirements listed below.


What kind of disability benefits can I get?


for Healthcare and Indemnity Payments


Who is covered?


Veterans and Qualified Survivors


What requirements do I need to meet?


Were you part of the Projects 112 or SHAD tests from 1962 to 1974?


No You may be able to get disability benefits if you don't qualify. we are sorry


Hello, I would like to know the Rules for beneficiaries with higher incomes


Of course The law requires an adjustment to your monthly Medicare Part B health insurance and Medicare prescription drug coverage premiums. This affects less than five percent of people with Medicare. Most people do not pay higher premiums.


What if I disagree with your decision about the monthly adjustment?


If you disagree with our decision about monthly adjustment amounts related to your income?


it is right


in that case you have the right to appeal. The fastest and easiest way to file an appeal of your decision is online. You can file online and provide documents electronically to support your appeal.


I'd like to ask you another question about how to apply for Medicare. Is it possible for me to qualify for Medicare at the age of 65?


You can, and if you are, your initial enrollment period begins three months before you turn 65, including the month you turn 65 and ends three months after that birthday.


What can I do after applying for Medicare?


You can sign up for A Hospital Insurance and Part B Medical Insurance. You can turn down Part B coverage if you don't want to pay a premium.


What documents do I need to apply?


You can find out online by checking the Checklist For The Online Medicare, Retirement, and Spouses Application.


How can I be sure that my identity is safe?


Medicare will send you a Medicare card to help protect your identity. This card will have a unique Medicare number instead of your Social Security number.


Are there options if I am in default on my federal student loans?


Yes, you have many options to help you get out of default on your federal student loans.


Have you failed to make your payments on your federal student loans?


Yes, I have not made payments lately and are in default.


You can find out how to get out of default and not let your current consequences of default ruin your financial future.


What happens after defaulted loans have been consolidated?


Your Direct Consolidation Loan will be eligible for benefits such as deferment, forbearance, and loan forgiveness and you could receive additional financial aid; and the defaulted loan would still be on your record of credit history.


What are the actual benefits to me with loan rehabilitation?


Are you asking the benefits of when a student loan is in rehabilitation?


Yes, that is what I want to know.


The default status will be removed from your loan and any garnishments will be stopped.


Will eligibility for additional benefits be available for me again?


Yes, you will be able to apply for a deferment, forbearance, choice of repayment plans or loan forgiveness and can be eligible for more student aid and default will be removed from your credit history.


I would like to learn about the benefits planner for retirement?


Would you like to learn about Government Pension Offset?


No, I do not want to know about Government Pension Offset.


would you like information you need to calculate your benefits affected by GPO?


No, I do not need that information at this time.


Do you have access to your spouse's estimates?


Yes, I do have access to spouse's estimates and I am eligible for spouse's benefits.


Did you find the estimated amount of retirement benefit your spouse would receive at full retirement?


Yes, I found the amount my spouse would receive at full retirement.


Then you would be able to find out estimated monthly amount of Social Security benefit as a spouse.


What if I need more info about being eligible for widow's benefits and do not have access to spouse's estimates?


You should go ahead and call our toll free number at 1-800-772-1213 or contact your local Social Security office.


I need information on co-op training.


A college or university co - op training program lets you get full - time work experience in between periods of going to school full time .You may be able to get help paying for some of your costs like books , tuition , and housing if you re part of a co - op .


How much will I get if I join a co-op training program?


If the program is at a public IHL , we pay the actual costs for public in - state tuition and fees .    we pay the lesser of the national maximum or the actual costs for in - state tuition and fees .  We also pay for some of the cost of housing and books .


What are the criteria to get benefits?


Are you using VA educational assistance?


Yes I am.


Are you also enrolled at an approved institution of Higher Learning?


And finally, are you in an educational program that requires part-time study and part time work or training?


I sure am.


You may be able to get money for books , tuition , and housing since you meet those requirements.


Hello! I would like to obtain information about the benefits that I can obtain.


What will happen after applying for benefits?


We may request some documents?


It would not be what I want most, only if necessary.


Where should I send the requirements?


You can see a list of our offices.


Can I get education related benefits?


Yes, when you meet all the documentation requirements.


Where can I clarify more related questions?


You can make a call.


Can I know if I am eligible?


Yes, sure.


Hi. I need some information about how to apply for a disabled child. The process is a bit complicated.


Of course. First you should review the Child Disability Starter Kit. This kit answers common questions about applying for Supplemental Security Income SSI benefits for children, and includes a worksheet that will help you gather the information you need.


Did you contact Social Security to find out whether the income and resources of the parents and the child are within the allowed limits, and to start the SSI application process?


No, I came here right away. For information, like I said.


Did you review the Child Disability Starter Kit?


No. I've never even heard about it before.


Unfortunately, no relevant information is found.


So what do I need to do to apply for a child?


You will need to complete an Application for Supplemental Security Income SSI AND a Child Disability Report. The report collects information about the child 's disabling condition and how it affects his/her ability to function. At this time, only the Child Disability Report can be completed online.


What will happen after my application?


We will  Provide confirmation of your application- either electronically or by mail


I have a hearing issue, is there a certain number to call?


Not a problem!  you can call us at TTY 1 - 800 - 325 - 0778


When do I report the death of my spouse that I am getting venefits from


You can visit the local SS office if you are getting benefits on your spouse


Yes I am getting benefits on my deceased spouse


Are you getting disability or retirement on your own record?


no


We will check to see whether you can get a higher benefit as a widow or widower .


Do I need to apply for survivors benefits?


Only if you are getting retirement benefits on you own record so this is n/a to you


So I don't need to report the death?


We 'll automatically change any monthly benefits you receive to survivors benefits after we receive the report of death .


Do I need to file an application for survivors benefits?


We 'll automatically change any monthly benefits you receive to survivors benefits after we receive the report of death We may be able to pay the Special Lump - Sum Death Payment automatically


What documents do I need to apply


Widows / Widowers or Surviving Divorced Spouse 's Benefits


Hi there. I'm looking some information about what has more advantages if the private or federal aids for students loans.


Sure, no problem. Are you looking for information because you need a loan to help you pay for college?


Yes, that's right. And I'm looking to see which one gives me better options.


Great! Well, we can tell you that you should consider the federal loans first.


Is it possible for me to cancel a loan if I no longer need it?


Absolutely, if you do it before your money is disbursed you can cancel all or part of your loan at any time.


How do I apply for a loan?


Would you like to apply for a Direct Loan?


Yes, I want to apply for a Direct Loan.


You must first complete and submit the FAFSA form and your school will use the info to determine how much student aid you are eligible for and the Direct Loan is usually included as part of the financial aid package.


What if I want to cancel my loan because it is less than I need?


Yes, you can cancel a loan if it is less than you need but should contact your school to notify them.


How do I apply to open a repair shop in New York State?


you must submit Original Facility Application and show proof you have permission to use the property from the owner with a notarized statement.


Do you have proof of zoning?


No, I do not have proof of zoning.


Do you have a Certificate of Authority?


No, at this time I do not have Certificate of Authority.


Do you happen to have the Proof of Business Name?


yes, I have proof of business name.


do you know what to do if you don't have proof of business name yet?


No, I am not sure what to do in that situation.


Unfortunately, no relevant information is found.


Would I not submit my application with DMV if I do not have business name?


YEs, do not submit your application with DMV yet.


Hello I need information about how to register a van as 'passenger' class vehicles


you want to know if I can register my truck as a 'passenger' class vehicle?


do not


What do you want to know? How can I find the unloaded weight of my truck?


Yes


The unloaded weight of your truck is stamped on a metal plate located on the door of your vehicle. The curb weight is also listed on your certificate of title. The curb weight is different from the maximum gross weight MGW indicated in your registration documents.


Okay I'll come down to the DMV with them. Is there a special time for this sort of thing?


You will need to make a reservation online before visiting DMV offices in New York City, Westchester, Nassau, Suffolk, Rockland, Onondaga or Monroe Counties.


Do the same documents apply for a used car?


It depends if the vehicle was bought new or used.


I'd like to remove the lien on the car too, is that possible?


In that case, you must provide proof that the lien has been satisfied and that you paid your vehicle loan off. For more information see remove or add a lienholder from a title [ 5 ].


Hello I need information about if you can pay a fine by mail?


Yes you can To pay a civil penalty to the driver by mail for an uninsured operation or an uninsured accident, but you must meet certain requirements.


You can do this by sending a certified check, personal check, or money order made payable to the Commissioner of Motor Vehicles


Can I pay more than one civil penalty online at the same time?


Pay a civil driver's fine online


If the order was issued between November 1, 1992 and October 31, 1996, how much would the fine be?


the civil fine would be $ 250


One more thing for an insurance failure. What happens if I am suspended for an insurance period?


If you were suspended for an insurance lapse, you can submit proof of insurance online


and why can revocation be given?


Common reasons for reversals areyou operated or allowed the operation of an uninsured vehicle swas involved in an uninsured car accident


I need the address for mailing


Do you need to update your own address?


No


Do you need to provide a temporary address?


Yes


You can provide a temporary addresss when you order by mail or at a DMV office.


OK yes I'l do that


Unfortunately, no relevant information is found.


Update to previous: No I can't.I need to send my license to an alternative addresss


If you want your new driver license sent to an alternate address, include an additional note and clearly print the alternate address.


Btw. I have a question about vehicle registration and title. What should I do if I want to change my gender?


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


Regarding a change on my personal information to my driver's license , can I make a request thru mail?


of course you can Submit a full Permit Application, Driver's License or Driverless ID card pdf MV-44


Hello, hope you are well. How do I obtain/qualify for survivor benefits?


Have you lost someone recently, did you want to apply online?


Please let me know if you need to report a death


Yes I do need to report a death, how do I do so?


How is it verified?


It may be possible for your local Social Security office can contact your state Bureau of Vital Statistics and verify your information online at no cost to you


Will I need to file or apply for anything?


I will be glad to answer that for you You generally will not need to file an application for survivors benefits


How soon should I apply for them?


you should apply for survivors benefits promptly because , in some cases , benefits may not be retroactive


Why should I report a death?


I see what you mean. I'd like to ask you another question. Who is eligible for a worker's benefits?


Those benefits can be paid to the worker's children and spouse they can get them if the worker has credits at least for one-half year.


We 'll automatically change any monthly benefits you receive to survivors benefits after we receive the report of death


hi how do i get a learner's permit


Obtaining a permit is the first step in obtaining your driver's license. Most people apply for a Class 'D - Operator' permit. 1 Must be 16 years of age or older and must submit an application in person at a DMV office.


and the request must be made in person?


you must file the application in person at a DMV office


What happens if I pass my exam?


the examiner will give you an interim license that allows you to drive


What should I do to prepare to take the written permission test?


study the New York State Driver's Manual and take the practice tests


want to know what you need to pass?


do not


What else should I do to prepare?


learn how to find a pre-license course and prepare for your practical exam   must follow all restrictions on learning permits


How do I find out about filing a claim or an appeal?


Do you need help filing your claim?


No, I think I can file myself.


Unfortunately, no relevant information is found.


How do I set it up for a VSO to help me on my behalf?


To have a VSO help you, you will need to fill out an Appointment of Veterans Service Organization as Claimants Representative VA Form 21-22 and you can download the form online.


Do you have any knowledge of benefits for specific disabilities? How would I go about obtaining benefits that are specific to my disability?


You may be able to get money to buy new clothes for your special disability.


There is one more question I want to ask about the VSO. Who is eligible to represent a veteran?


Recognized organization and individuals can legally represent a Veteran and non-recognized organizations and individuals can provide information, but are not allowed to be representative.


I need more information about Project 112 or Project SHAD


The Department of Defense s Deseret Test Center in Fort Douglas , Utah , conducted this testing , which took place aboard ships and on land in various locations from 1962 to 1974 .


A question I have that is related to a VSO, can dependants of mine be covered under recognized organizations?


Yes, a dependent can be covered under the same rules.


What is the actual cost to be represented by an accredited representative or a VSO?


They are not allowed to charge you to just file your initial application; but they may charge you for unusual expenses.


How do I get a claims agent or attorney help me?


You would need to fill out an Appointment of Individual as Claimant's Representative VA Form 21-22a and you can download it.


Can you give me details of the forgiveness of public service loans?


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


no


if you switch to an IDR plan and don't want to pay a higher amount


if that's the case the PSLF Program may not benefit you


What is considered full-time employment for the PSLF?


You are generally considered to be working full-time if you meet your employer's definition of full-time or work at least 30 hours per week, whichever is greater.


what are the PSLF help tools


these toolsThey will help you understand more about the PSLF Program and what you must do to participate and possibly forgive your loans.


Did you complete the PSLF help tool process?


yes


You will need to print the PDF document that the tool generates, sign it yourself, have your employer sign it, and then send the form to the PSLF Server as indicated in the printed PDF document.


What are some changes to IRP registration?


Would you like to know about come of the common changes to IRP registrations?


No, I do not need to know the information at this point.


Do you need to make changes to your IRP registration?


Yes, I do need to make changes to IRP registration.


Then you would need to complete Schedule A and C IRP-6 and submit for changes, show proof of identity, and provide proof of ownership.


Is there a way I can do the changes online?


Yes, some of the changes to the IRP registration can be done by using OSCAR.


What topic would I click on while using OSCAR?


You would click topic Motor Carriers.


Is there any additional information that is required to process my application by mail?


The IRB will send a request for additional information with the invoice and payment must be a certified check or money order.


offered by Veterans Mortgage Life Insurance


Veterans Mortgage Life Insurance VMLI offers mortgage protection insurance to families of veterans with serious service-related disabilities who have adapted a home to meet their needs. Find out if you qualify and how to apply for and manage your coverage.


Am I eligible for Veterans Mortgage Life Insurance?


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


On this page, I have another query. What options do I have?


Get VA life insurancesManage your policy and benefit and More information and resources


Can I get and download forms?


Yes you can download the forms you need to apply for and manage your life insurance benefits .


What is VA life insurance?


VA life insurance can offer financial security for Veterans , service members , and their spouses and dependent children .Explore your options , manage your policy , and file claims to get the insurance benefits you 've earned .


Are there other VA benefits and services available?


Yes, such as Get help planning a burial , order a headstone or other memorial item , and apply for survivor and dependent benefits .


my address doesn't fit on the registration page for out of state snowmobiles so I can't continue


The system only allows for 20 characters for the street address


Is the street address or city name is too long to fit in the field ?


yes the address is


You can follow our guidelines in the order I give to you until the information fits. Start by using numbers instead of words for the house number.


I see. Another question for Proof of Ownership, are Proofs of Ownership needed to register and title for different types of vehicles?


Yes, the proofs of ownership needed to register and title a vehicle in New York are different for different types of vehicles for example cars, trailers, boats, snowmobiles, manufactured homes.


Regarding entering my full address in the New York State Registry for Out-of-State Snowmobile Transactions, can I use abbreviations in the address?


If the street name is a word which has an accepted abbreviation use that abbreviation.  You can also abbreviate the street type or just leave it out.


Is it necessary for me to bring the dealer's bill of sale to show that I paid the NY State sales tax?


If you purchased the vehicle from a New York State auto dealer or an out-of-state dealer who is authorized to collect New York State sales tax, please bring the dealer's bill of sale showing that you paid to the state New York sales tax. Also bring a bill of sale from the MV-50 NY State dealer only or a complete sales tax exemption {Sales Tax Form} pdf at the New York State Department of Taxation and Finance DTF-803 for a departure from - state dealer.


I see. Another question on NY State Registration, what is an accepted abbreviation?


The name of a state for example


will do that, also why is my name shortened on my registration?


Due to limited space in the DMV registration system, your name may be shortened to fit on the document. The document is valid with the shorter name.


is there a list of what I will need to register my snowmobile?


Yes, I can give you a link that will help you out


hi can you give me information about the downloadable paid employment spreadsheet


The 2011 Downloadable Paid Employment Worksheet provides the public with information about educational programs that prepare students for paid employment in a GE recognized occupation program. In accordance with regulations effective July 1, 2012, the United States Department of Education calculates metrics for GE Programs each year.


Have you already seen the publication of the informative rates?


yes


the Department determined that the published Title IV Medium Loan amount reflected the student debt information for the most recent loan year, but did not include debt information for prior years


Ok, but I do need to ask about Gainful Employment Information?  Can you please explain the discretionary income rate?


Rates less than or equal to 20 % are passing rates, rates greater than 20 % but less than or equal to 30 % are zone rates, and rates greater than 30 % are failing rates.


I also want to know about the 2011 Gainful Employment Informational Rates. Why do the 2011 rates not allow assumptions?


The 2011 Disclosure Rates are not intended to form a basis for making general or specific assumptions or determinations about specific GE Programs, or for projections of future years' rates.


What do these metrics include?


These metrics include a repayment rate, two debt-to-earnings ratios, and three median student loans.


What do you recommend for downloads?


I recommend the downloadable spreadsheet


And what happens if the programs do not comply with the measures?


These informative rates were prepared before the years that programs that fail to meet debt measures must provide debt warnings and may lose eligibility after failing three of four consecutive years.


I want to know about VA clothing allowance


Has your clothing been damaged by your prosthetic or orthopedic device such as a wheelchair or by the medicine you re taking for a skin condition?


No


you may be able to get money each year to help you buy new clothes, only if you meet the conditions


my clothing hasn't been damaged by my prosthetic, othopedic device or medicine for a skin condition


how do I file a claim for disability compensation?


When you file a disability claim , [26] you ll also need to fill out this additional form :s   [27] An Application for Annual Clothing Allowance VA Form 10 - 8678 Download VA Form 10 - 8678 PDF   [28] Bring it to the prosthetic representative at your local VA medical center .     [29] To get your yearly payment , [30] you ll need to qualify by August 1 of that year .   [31] You may be able to get more than one payment if you meet at least one of the requirements listed below .   [32] At least one of these must be true :     [33] You have more than one prosthetic or orthopedic device , [34] or     [35] You have more than one skin medicine , [36] and/or   [37] Your device or skin medicine affects more than one type of clothing


I need this device because of an injury


If you need this device or skin medicine because of an injury or illness related to your military service called a service - connected condition


Yes, I need it


ok, let me check


ok


You can get the disability benefits from VA then


what is an ignition interlock device?


an ignition interlock device connects to a motor vehicle ignition system


if ignition interlock is ordered by a court. does this apply to you?


no


what are the different parts of leandras law and what are the penalties for conviction?


leandra's law includes the following provisions. the law establized a new class e felony


when was this law signed in?


leandr'as law was signed into law on november 18, 2009 in honor of leandra rosado


how do i remove the ignition restriction from my driver license?


your ignition interlock monitor must give you a gorm that states that you are no longer required to install and maintain the ignition device


where can i find additional information on leandras law?


see additional information about leandras law at the ny state governors traffic safety committee alcohol


what the new class e felony?


the law states that no personal shall operate a motor vehicle under the influence of alcohol or drugs while a child who is 15 years of age or younger is a passenger in the behicle.


who is leandra?


leandra was an 11 year old killed while she rode in a vehicle with the intoxicated mother of one of her friends


how to use VA Tutorial Assistance well?


are you struggling with the courses?


yes


Am I eligible for this benefit?


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


Are you taking a course that is difficult?


Do you have to take the course as part of your educational program?


You cannot get this benefit if you are using VA educational assistance


can you help me pay a tutor?


yes we can help you pay a guardian


Hello, I would like you to help me choose the direct loan MPN


are you an undergraduate student?


no


Are you a graduate / professional student?


Find and use the MPN you need as a graduate or professional degree student to obtain federal student loans. Graduate / professional students may be eligible for unsubsidized direct loans, direct PLUS loans, or both. You must complete an MPN for each type of loan you want to receive.


Also, I need to find out information on Master Promissory Note (MPN) for Direct PLUS Loans. As a graduate/professional student is it necessary to complete the MPN?


If you are applying for Direct Unsubsidized Loan or a Direct PLUS Loan you should complete the MPN. Are you applying for one of these loans?


No I am not applying at this stage.


Unfortunately, no relevant information is found.


When I am ready to apply what do I need to complete the application?


You will need a verified username and password and FSA ID. Then you will be able to complete the application.


can you help me with Agent Orange exposure please?


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?


can I get disability compensation?


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


what to do when file my claim?


you 'll need to submit :s     [35] that shows you have an Agent Orange related illnesss [36] A medical record


What should medical records show?


[53] you 'll need to submit a medical record that shows :s     [54] You have a current disability ,s [55] and   [56] There 's a connection between Agent Orange exposure and your current disability


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 can't get disability benefits


I need information about veterans vocational rehabilitation programs.


Are you a Veteran or service member with a service - connected disability that impacts your ability to work?


No


Can I return to my civilian job I had before I was deployed?


You may have the right to return to the civilian job you held before you deployed .


What if I can't return to work and need to learn to live independently?


Learn about services that can help you live as independently as possible if you ca n't return to work right away


Is there job search support?


If you want a job that matches your existing skills , find out if you can get employment counseling and job - search support .


What if I'm self employed or want to start a business?


If you re a service member or Veteran with a service - connected disability , find out how we can help you start your own business .


Hi I have heard that I might be able to have all or portion of my Federal Perkins Loan canceled, if this correct?


Yes under certain conditions you may be discharged from your loan or you may have a portion of your loan canceled based on your employment or volunteer service.


What are the eligibility requirements for the cancellation of a Perkins loan?


Do you have a Perkins Loan?


Yes I do.


Have you served full-time in a public or non-profit elementary or secondary school as a teacher?


Yes I have as a teacher in a school serving students from low income families.


You mentioned a school serving student from low income families. Please confirm that you were a teacher in such a school.


No I did not.


Have you been a special education teacher?


No I have not been a special education teacher.


Have you been a teacher in the fields of mathematics, science, foreign languages, or bilingual education, or in any other field of expertise determined by a state education agency to have a shortage of qualified teachers in that state?


No I have not.


In that case I am afraid that you will not qualify for cancellation of part of your Federal Perkins Loan.


What are the requirements to open a driving school?


You must receive approval from the DMV for the use of the name for you particular driving school and you should look at Request for Approval of Driving School name before you actually submit your application.


What happens if my school will teach the Pre-licensing course?


You will need to have a classroom that meets the DMVs requirements and you must have experienced instructor who holds a valid instructors card, and has at least 1,000 hours of experience as a behind the wheel instructor and keep appropriate records.


How do I apply ?


Do you already have your approval of your business name from the DMV?


yes, I have approval of my business name from the DMV.


You will need to submit your Request Approval of Driving School name form that shows your Driving School name was approved by the DMV and a completed Driving School License Application form.


What happens when the classroom is combined with office space?


The combined total of space must be at least 200 square feet if you have a classroom combined with office space.


I have some questions about the requirements and documentation?


You would need to call Driver Training Programs at 1-518-473-7174.


What if my school is going to offer the Pre-Licensing Course?


You will also need to have the classroom inspected and all requirements are listed on teh Request for Premise Check form MV-279.


Hello there, can you tell me about the educational aid you offer for survivors?


Of course. You can learn about the Survivors and Dependents Educational Assistance DEA program.


What if I am the child of a Veteran with disabilities?


t


Can you tell me anything else about the DEA program?


Yes, you can learn all you need to know about the DEA program here.


Alright. Can you tell me if I qualify for DEA then?


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


So what are the requirements?


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


Yes. He's in a wheelchair.


Can you tell me if I'm eligible now?


Yes, we can find out if you're eligible for this benefit.


Hello. Please tell me about the aid program for family caregivers.


Are you a family member caring for a Veteran with disabilities?


Yes, I am.


In that case we want to support you. We recognize that family caregivers enhance the health and well-being of Veterans they care for in their home.


Great. Can you help me figure out if I qualify for the program?


Yes, we can help you find out if you qualify for the Program of Comprehensive Assistance for Family Caregivers and how to apply for it.


That'd be wonderful. So do I qualify for benefits through this program?


You'll qualify for this program based on your Veteran's qualifications. You may be eligible if the Veteran you're caring for meets the requirements.


What are those requirements you're talking about?


Does the Veteran have a serious injury including traumatic brain injury, psychological trauma, or other mental disorder that was caused or made worse by their active-duty service on or after September 11, 2001?


No, he is fine.


Then I'm afraid that you aren't eligible for this program.


I need tutorial assistance information.


ARe you using VA educational assistance?


No I don't think so


Unfortunately, no relevant information is found.


So would I be eligible for this benefit?


You can get this benefit if you re using VA educational assistance and you meet all of the requirements


I see. Another question about this benefit. If I ever qualify, how much will I get?


The amount we cover depends on the benefit you use.  I can give you a link so you can view the current payment rates.


Regarding tutoring assistance, what benefits can I get if I take more classes?


You would get money to pay for a tutor


What requirements must I meet?


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


yes, that is correct.


ARe you taking a course that is difficult?


No not really difficult.


Unfortunately you would not qualify based on the information you have provided.


Hello! How can I receive Social Security Direct Deposit benefits?


Do you have a bank account?


No, I don't.


What should I do if I am not receiving benefits?


are you planning to apply?


Yes, I want to apply.


So, You tell the Social Security representative when you apply for benefits that you want to sign up for Direct Deposit.


How can I sign up for Direct Deposit?


You can sign up starting or changing Direct Deposit online Social Security benefits only.


Should I have a bank account?


Yes, when you apply for benefits, you must have your checkbook or a copy of your bank statement with you.


Hello. I',m here because i'm planning to pursue some educational programs and heard about  the Montgomery Bill to help me pay for that. Would you mind to fill me in about how can i access that benefit?


It's really simple. The basics for getting the benefits are as follow: Making sure you program is approved by VA; then, apply for the benefits and lastly, Ask for your enrollment certification.


Okey. That sounds like pretty simple indeed. About that last point, the certification. Do i need to ask for it to someone in particular?


That's right. It can be a person in charge of your school's financial aid, VA registry, on admissions or even from counseling office.


But that sounds like regular studies, what if i'm going after some training or going to be an apprentice?


If that so, then the certification may come from someone in your school's training, finance or human resources office.


O.k that's a relief to knowing that. I guess there will be a way to see what it will cost me all this, right?


There is, indeed. You can go for the link and check out the current payment rates.


Right, i'll check that later. Oh, how do i check if the program i want is approved by you?


That's very important question. You'll have to make sure to contact your school choice or make use of our online comparison tool to check if your program is approved by veterans affairs.


Is everything clear until this point or you still need more information about this topic?


No, thanks, i think i get it.


Remember we are here to help you, If you have hearing loss, you can tell us and we'll help you out. Do you?


Sorry, i was a little ashamed to admit it but yeah i have some hearing problems.


Don't be. You just have to use our tool free number TTY.711 or submit a question online.


Tell about the Temporary Relief, please


Sometimes, you need to suspend your student loan payments for a short period


Are you in a short-term financial bind?


Not at all


What if I don't pay any interest?


If you don't pay that interest, it will be capitalized and added to your principal balance.


Why will that interest be capitalized?


that's because interest accrues on your principal balance, capitalization will cause more interest to accrue over time than if you had paid the interest. It will also increase your monthly payment on most payment plans


How to relieve student loan borrowers during the national COVID-19 emergency?


Federal student loan borrowers are automatically being placed in an administrative forbearance, which allow to temporarily stop making monthly loan payments. This suspension of payments will last from March 13, 2020 through Sept. 30, 2020,but you can still make payments if you choose.


How can I get relief with lower payments on an income-driven repayment plan?


It would be better to consider a different payment plan, such as an income-driven repayment plan. These plans base your monthly student loan payments on your income and family size. In some cases, the payment could be as low as $0 per month


Where can I find how must the fee is to renew my license?


The cost of renewal is on the application we mailed to you and also displayed if you pay online or you can look at the charts we provide on the website.


Do you have any other class combined with Class M or MJ?


Yes, I do have to combine another class.


Then you should add $8 more to the fees.


What happens if i answer yes to completing the voter registration?


Then you will complete your voter registration application as part of the renewal transaction and if you are a resident of Bronx, Kings Brooklyn, New York Manhattan, Queens, Richmond Staten Island, Dutchess, Nassau, Orange, Putnam, Rockland, Suffolk and Westchester then you will have to pay a MCTD fee of $1 for every 6 months license will be in effect.


What if I am out of the state or country when my drivers license needs to be renewed?


We actually recommend to renew your NY driver license through the mail.


What happens if I get a traffic ticket with expired drivers license?


You would receive penalties and fines and if 60 days or less of expiration date it would be $25 to $40 plus state and local surcharges.


What if my renewal was processed 40 days before my birthday?


You will receive your driver license without the words UNDER 21 on or near the date of your birthday.


Hello, I would like to know Who is my student loan administrator?


It is important to first know the role that student loan administrators play in the repayment process and which administrator handles your federal student loans.


What should I do when I receive the welcome letter from my new administrator?


You must do the following, do you want to know?


no, i would like to know what happens if my loan is transferred to a new administrator?


All of your loan information will be transferred from your assigned administrator to your new administrator, but you may only be able to view information online that covers the period since your new administrator took over your loans....


And specifically, what do loan managers do?


A loan servicer is a company we assign to handle billing and other services on your federal student loan on our behalf, at no cost to you.


And do you know what happens if your circumstances change at any time during your refund period?


if i wanted to know


in that case your loan manager will be able to help you.


And what else can my administrator help me with?


Your loan servicer will work with you on repayment options such as income-based repayment plans and loan consolidation and help you with other tasks related to your federal student loans.


I want to know more about SGLI


Servicemembers’ Group Life Insurance offers low-cost term coverage to eligible service members.


who is eligible?


If you are a service member who meets certain requirements, we will automatically sign you up.  We can help you find out if you are eligible.


what are the requirements if I'm Ready Reserve?


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


yes I am


are you drilling for points rather than pay?


yes sir


You are eligible to get full-time SGLI coverage


so I get coverage because I met a requirement?


Yes, you may be able to get full-time SGLI coverage


who do I pay my premiums to?


You must pay your premiums directly


Am I eligible to use the VA Appointments tools?


You can use these tools if you meet all of the requirements.


what are those requirements?


For example, Are you enrolled in VA health care?


Yes, I am.


Are you scheduling your appointment with a VA health facility that uses online scheduling?


no, I am not.


Sorry, you don't meet all of the requirements to use the VA Appointments tools.


What types of VA medical appointments can I schedule online?


This will depend on the VA health facility where you re receiving care.


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.


How to get these disability benefits?


You ll need to file a claim for disability compensation


what else should i know when submitting my claim


be sure to share any military records that show you had contact with blistering agents


tell me the questions i must answer


Are you a volunteer for research involving chemical and biological tests between 1942 and 1975?


not


You cannot get medical care through the US Army. USA


I was wondering on what types of benefits am I eligible for as a result of my disability?


We have health care and compensation benefits.


How would I qualify for these disability benefits?


Since you were exposed to toxic chemicals in Iraq, you may be eligible.


So the VA will help with my illnesses?


Yes. We do have options to help.


And veterans are covered?


Yes, that is correct.


Am I eligible for VA DIC as a surviving spouse or dependent?


You may be eligible for VA benefits or compensation for surviving spouses if you meet the requirements listed below .


do you want to know the requirements?


yes


Married the Veteran or service member before January 1 , 1957


Married 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


whether you may be eligible for DIC benefits under the 2019 Blue Water Army Vietnam Veterans Act.


Now I'd like to ask a completely unrelated question. If you have a disease that we think is caused by Agent Orange, please let us know. How will he go about filing an application for disability benefits?


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


I have another question for you about Burial at Sea program . Is there a phone number I can call to reach you?


Yes. You can contact to the united states navy mortuary affairs office, free of charge, to the 866-787-0081, monday through friday, 8:30 a.m. to 5:00 p.m. east time.


Hi, I'm an undergraduate student and would like to preview the Direct Loan MPN. How do I go about finding this information?


You said you are an undergraduate student, it that correct?


No that is not right.


Are you a graduate/profession student with a subsidized or unsubsidized loan?


No I'm not a professional student.


Are you the parent of an Undergraduate Student?


No I'm not a parent of an Undergraduate Student.


Unfortunately, no relevant information is found.


Can you please explain to me what a Mater Promissory Note is?


A Master Promissory Note or MPN is a legal document in which you promise to repay your loan and any accrued interest and fees to the U.S. Department of Education.


May I received more than one loan under a MPN?


Yes you may received more than one loan under an MPN over a period of up to 10 years.


I'm looking for information, specifically in regard to college and career school costs, do they differ or vary much from college to college?


We have a specific section on our website where you can find answers to any queries you may have in relation to college costs. You can also find tips in this section on how to lower your costs when you do eventually go to school


Are there any colleges or career schools that offer discounts on tuition and if so, what are the criteria?


Are you the child of a parent that attended the school that you are applying for?


Yes, my parents attended the same school that I am applying for


I also need to explore my career options, I would like more information about vocational school, I have an incredible gift with animals, does that influence the time of choice?


Absolutely. We can help you find possible careers to match your interests.


My dad just asked if you perhaps have some information for him about all this.


Yes, we also have resources for parents of students.


Awesome. So can you please help me find a career? Please?


Gladly. You'll have to take the time to research and understand your options, but you don't have to do it alone. We're here to help students make informed decisions and find out what they need to do!


Hello, i'm about to start my loan repayment and was told about some counseling, Would you help me there, please?


O.k, lets check. You probably mean Exit Counseling. Are you familiarized with that figure?


No, i'm afraid not.


O.K. Do you even know if you are eligible to that option?


Ah, yeah, yeah. That i read about it. I think it has to do with folks that have taken loans or something, right?


Well, yeah, kinda. It is meant for those students who have received a loan, under the subsidized, unsubsidized or plus options, but have graduated or leave school.


Yeah, see? I told you i knew something. Anyway, what would i need to get that counseling thing?


Is quite simple, really. All you need is to have your verified Federal Student Aid ID.


Oh, really?. And that would be all you'll ask? Then what?


Then, you can go through all the proper process to to the Exit Counseling, no more or less.


So, sorry, but i wasn't paying too much attention. For which circumstances is this counseling valid?


No problem. As said before, Exit Counseling applies If you: Drop below half-time enrollment; Graduate or Leave School.


I need information on agent orange exposure on navy and coast guard ships.


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


No I didn't


What requirements are there for getting disability benefits from the VA?


Do you have an illness we believe is caused by agent orange called a presumptive disease?


No not that I am aware of.


Unfortunately, that is a guideline that must be true to get disability benefits.


All requirements have to be met?


Yes all have to be met.


What if I might have had contact?


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


So if I cleared trees I may have been exposed?


you may have had contact with Agent Orange , an herbicide used to clear trees and plants during the war .


Who is covered


veterans and qualifying survivors.


Hi I would like to know who is eligible for VA disability benefits?


You show review the VA disability benefits eligibility criteria to find out if you can get disability compensation for an illness or injury that was caused by or got worse because of your active military service.


Where can I get more information about this program?


You can watch our Compensation 101 videos to learn more about how VA disability compensation works.


Can you please tell me what is meant by disability compensation?


Where can I find further info about disability compensation?


I received an other than honorable discharge from military service, would I still be eligible for VA benefits?


If you received an other than honorable discharge you may not be eligible for VA disability benefits.


If I was eligible for disability benefits what medical conditions are covered by the program.


Some of the conditions that are covered by VA disability benefits are chronic long-lasting back pain resulting in a current diagnosed back disability, breathing problems resulting from a current lung condition or lung disease. There are other benefits that are also covered.


How would I know if I am eligible for VA disability benefits?


You must have served on active duty, active duty for training, or inactive duty training and have a disability rating for your service-connected condition.


I don't think I have a disability rating for my condition.


If you don't have a disability rating for your service-connected condition or a disability as a result of your service you will not be eligible for VA disability compensation.


How is the VA Mortgage Loan Programs for surviving spouses


To obtain a VA-backed mortgage loan as a surviving spouse of a Veteran


if it is about a surviving spouse of a Veteran


You will need a COE Eligibility Certificate to demonstrate to your lender that you qualify for this benefit.Find out if you can get a COE.  Please note that you will also need to meet the credit and income requirements of your lender to obtain a loan.


ok but I already have a VA-backed loan and èrp I have trouble making the mortgage payments


We can help you avoid foreclosure and keep your home. want to learn about VA financial counseling


But can I get a COE?


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


but at least it must meet some characteristics, let me ask you?


yes of course ask all the questions


Veteran Tube Missing in Action?


yes


Are you a prisoner of war prisoner of war?


not


if possible you can get a COE


How do I change my GI Bill school or program?


You can find out when and how to request changes to your GI Bill school, program, or other VA education benefits to keep getting funding.


Do you need to request changes to my GI Bill or other VA education benefits?


Yes, I need to know what situations I need to request changes to my GI Bill.


You will need to request changes to your benefits if things change.


Another question related to GI Bill and other education benefit eligibility. Is it possible for me to receive benefits under the Montgomery GI Bill?


You may be eligible for benefits through one of the two Montgomery GI Bill programs


That's fine. Now, about my GI bill and benefits. When do I need to make a change request?


When your schooling changes or changing professions.


Are there any benefits besides the Montgomery GI Bill for which I may be eligible?


Yes, you can get help paying for tuition or money for books and housing.


What should I submit if I request changes for my GI Bill program as a dependent of a Veteran?


You will need to submit a Dependents Request for Change of Program or Place of Training VA Form 22-5495 online.


What if I need to receive benefits while active duty?


What do I need to do with form when mailing?


Just fill out the form and mail lit to VA regional claims processing office that is by your school.


hi i would like to know if it is possible to decide when to start retirement benefits


Of course Choosing when to start receiving retirement benefits is a personal decision.


do you want to retire?


yes


You will receive the full amount of your benefits. We will reduce your benefit amount if you retire before you reach full retirement age.


What if the person was born in 1960 or later?


For anyone born in 1960 or later, full retirement benefits are paid at age 67.


How do I know how much benefit I will receive?


The Retirement Calculator within my Social Security allows you to obtain personalized retirement benefit estimates based on your actual earnings.


What are specific types of earnings?


are you in the american worker group?


in that case there are some types of income that have additional rules.


What should I do if my VHIC is lost or stolen?


You can request a replacement card at the VA medical center where you had your picture taken . You ll need to bring your driver s license , passport , or other government ID or be able to answer a series of challenge questions so we can verify your identity before we give you a new card .


Have you changed your medical center since getting your original card?


No I haven't


Unfortunately, no relevant information is found.


What should I do with my old Veterans identification card?


Please destroy it by cutting it up or shredding it . We want all Veterans who are enrolled in VA health care to have the new VHIC . This new card offers even more security to protect your personal information .


What if I have changed my medical center where I receive care?


you can contact the medical center where you currently receive care .Or , call us at 877 - 222 - 8387 , Monday through Friday , 8:00 a.m. to 8:00 p.m. ET.


What do I need to do after I receive my VA health care welcome call?


Contact your nearest VA medical center and ask to speak with the enrollment coordinator  Ask the coordinator to help you arrange to get your picture taken for your new Veteran Health Identification Card .


Hello I need to know how to change my license from Class D to Class E


have you completed the application for Standard Permit?


I have, yes. I completed the application for Standard Permit.


Ok, besides the Application for Standard Permit you need to complete the Driver Licenses for Non-Driver ID Card PDF MV-44


I'm planning a trip soon, any recommendation about my ID?


A good recommendation would be to go to the DMV first and ask for an Enhanced or REAL ID so you can avoid going to the office again later.


what should I get for a Non-DRiver ID Card?


That would be the Driver License for Non -Driver ID card PDF MV-44


I don't have a New York State driver license, what do you recommend me to do?


you should apply for a Class E driver license instead of a Class D. The tests for both types of licenses are the same.


Will I need an Enhanced ID for domestic flights in the near future?


Yes, from October 2020 onwards you'll need to have an Enhanced or REAL ID to board domestic flights.


What do I need to know to be able to drive a taxi in New York City?


You first need to contact the Taxi and Limousine Commission.


I need to know a few things about my direct plus loan application.


Do you have a Direct PLUS Loan Application for Graduate/Professional StudentsWilliam D. Ford Federal Direct Loan ProgramFederal Direct PLUS Loan Request for Supplemental Information?


No, I don't.


Do you have a Direct PLUS Loan Application for ParentsWilliam D. Ford Federal Direct Loan ProgramFederal Direct PLUS Loan Request for Supplemental Information?


Yes, I actually do.


In that case, parents must be logged in using their own.


Do you have questions regarding your loan eligibility, the next steps in the processing of your loan, when the loan will be disbursed paid out, or no longer wish to receive the loan?


Yes, I have many questions.


Then you should contact your school's financial aid office.


What does the direct plus loan request let me do as a parent borrower?


You can request an additional deferment for 6 months after the student ceases to be enrolled at least half time, for example.


Makes sense. What happens to my information once I submitted my application?


The information that you provide will be sent to the school that you select. The school you select will use the information collected to determine your eligibility for a Direct PLUS Loan and process your application.


I want to know how I can renew my drivers license through the mail


Okay,  I need to inform you that if you renew by mail your new license will show : ' NOT FOR FEDERAL PURPOSES ' unless you already have an enhanced license.


Did you want to renew by mail?


yes


your new license will show : ' NOT FOR FEDERAL PURPOSES ' if it is not a REAL ID


what payment do you accept?


We accept credit/debit cards and check or money orders made out to Commissioner of Motor Vehicles. To do it online you must use a debit or credit card.


how do I get a card without the 'not for federal purposes' label?


You can renew at the DMV office


I need to change my license type too and it is over 3 years expired, so what do I do?


You need to apply for an original license and you must pass the vision test and the written test, you need to complete a pre-licensing course and pass a Road Test.


and can I change my address when I renew?


You need to change your address online then renew. There is no guarantee that the US Postal Service will forward your DMV documents to your new address


I want information on fully disabled or terminally ill policyholders


do you have VA life insurance?


no I don't have VA life insurance


Unfortunately, no relevant information is found.


What benefits do I have if I am If you are the holder of an SGLI or VGLI policy?


yes, you can get benefits by downloading the accelerated benefits claim form


Another thing about (VMLI)?  What types of life insurance benefits can I get?


you could count Up to $ 200,000 in mortgage life insurance paid directly to the bank or other lender who owns your mortgage


can I get a SGLI Disability extension?


if applicable for an SGLI Disability extension


Can you please tell me the process on how I can file a claim for TSGLI and appeal an earlier decision?


if you can appeal an earlier decision


You may be able to get a life insurance premium exemption if you qualify?


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


No, I do not have a mental or physical disability that prevents you from having a job


According to the information provided, I told you that you are not eligible for a life insurance premium exemption.


If I am a Veteran, Can I Get Accelerated Benefits for Terminal Illness Policyholders?


if you can have your doctor fill out their part of the form and then submit the completed form in order to proceed


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


Does it improve health care quality?


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 .


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 do not have coverage or an exemption in 2018?


ok thanks


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


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 .


I have passed my road test, now what?


You will receive an interim license that allows you to drive. Keep the interim license with your photo learner permit. You will receive your photo driver license in the mail  in about 2 weeks.


What should I do if I am 17 years old and I have a DJ Class driver's license?


You must obey the restrictions for junior drivers. Please, see "Graduated Driver License GDL Law and restrictions on drivers under age 18" for more information.


I would like to pay for additional tests, how can I do it?


Did you fail your road test?


Sadly yes


You can pay for additional tests online or by phone.


How can I get one a Pre-Licensing Course Certificate MV-278?


First of all, see "Prepare for your road test". Then the fee for up to two road tests for a non-commercial license is included in your $10 driver license application fee. The earliest date is within three to five weeks.


My temporary learner permit is without a photo... is this a problem?


You must show a NY State photo driver license or a NY State non-driver ID Card, Photo documents from other states are not acceptable. The vehicle must have functional seat belts, headlights, windshield wipers and other equipment, a front passenger area and a seat belt free of debris, clutter or debris that may stain or damage the license examiner's uniform, and a driver's door front passenger that can be opened from inside the vehicle.


I would like more information about the Driving School Instructor Certificate, can you tell me more about it please?


I can tell you more about it. Could you tell me if you have passed all the tests required for this certificate?


Yes I have.


As you have passed all the tests the Bureau of Driver Training Programs will issue you with a Driving School Instructor Certificate (MV-524). The certificate will be mailed to the driving school where you are employed.


I am looking to change my career and would like to qualify to become a certified driving school instructor, how do I go about becoming an instructor?


To become a driving school instructor you will first have to find employment at a licensed driving school. Once you are employed by a driving school you will have to complete an Application for Driving School Instructor Certificate (4). When completing the application be sure to answer all questions and provide any explanations/information needed.


Can you tell me if it is possible to work as a driving school instructor even if my license expires?


You must immediately stop operating your driving school business. Your school will not be licensed to operate. Any services you provide through your driving school license including Instructor Certificates , account to DMV s online road test appointment scheduling system , and authorization to order Pre - Licensing Course Completion Certificates will be terminated


Do I need to include anything else?


You must attach a Signature Authorization List - Pre - Licensing Course MV-278.6


Can I continue my course whilst waiting for the renewal?


ntil your new license is issued your instructors will not be able to teach for your school and your school will be unable to provide lessons to customers


Could you help me understand how to repay my federal student loan without going into default?


First you should understand your loan agreement, make sure you know all loan info, and make sure to get ahold of your loan servicer when you might have trouble making your payment.


Have you missed a payment or made a payment late?


Yes, I have missed a payment.


Then you would be considered delinquent and late fees probably will be added to what is due; but there is a chance that you could avoid default by contacting your loan servicer.


What should I do when I receive the welcome letter from my new administrator?


You must do the following, do you want to know?


I would like to know something about the successful payment of the federal student loan and avoid falling into default, is there an effective way to follow or track my loans online?


Yes, you can find out about all your federal student loans from the US Department of Education by signing in to "My Federal Student Aid".


Do you also know about Get Relief. I can do this even by applying for deferral and forbearance.


Yes, you can, but you need to keep in mind some considerations.


ok, another question, what steps should I take to choose the best loan? know of someone who has defaulted on their student loan? What would be the recommendations for not defaulting on my loan?


Always try to avoid default first of all and take the time to comprehend your loan agreements and what are the exact loan types you are getting; and never borrow more money than you need or more than you expect to pay back.


What should I do if my federal student loan is delinquent?


You should look into the Student Loan Debt Collection Assistant, which the US Department of Education developed along with Consumer Financial Protection Bureau because it has tools that will give you access to special repayment options.


What is my promissory note?


A promissory note is your legal binding document and is important to read because when you sign it you are agreeing to paying the full amount back.


When can Social Security provide benefits for me, my spouse, or other family members?


Are you planning on retiring?


Yes, I am.


Do you know they can provide benefits if you become disabled?


Yes, I know this.


Do you know when you die they can provide benefits?


Yes, I do know this also.


Then you know that you, your spouse, and other family members of your family can get benefits from Social Security.


Is there a way to estimate my retirement benefits?


Yes, you can use our retirement planner.


Is there a way to help understand more about Social Security protection?


Yes, we have planners that help you better understand your Social Security protection as you plan for your future and we have benefit calculator that will help you.


How do I get disability benefits?


You will need to file a disability compensation claim. Would you like to know how to file a disability compensation claim?


In addition to when I file a disability claim, what else should I bring?


you will also need to complete an additional form


I'm hoping to find out as well about the VA disability benefits. Is it possible for me to get it?


You may be able to get disability benefits if you have had surgery or received other treatment at a VA hospital, approved hospital, or outpatient center for a disability related to your military service


can you tell me about the temp rating I get after my surgery?


Yes, you may be able to get a temporary 100 % disability rating and disability compensation or benefits when recovering from a surgery, and we can help you find out more on this


can you help me get disability compensation?


You will need to file a claim for disability compensation.


who else besides me can get covered because of my surgery?


Veterans are covered by this benefit


Can non-US citizens qualify to receive federal student aid?


Yes, non-US citizens qualify for federal student aid.


Would my parents citizenship affect my ability to get aid?


Absolutely not, you can still apply for aid.


How do I apply for federal student aid?  . hi  Most male students must be registered with Selective Service to receive federal student aid. You must register if you are a male and are not currently on active duty in the U.S. armed forces.


hi


No, sorry, but I don'y have neither of those.


Alright, then I must ask, Were you homeschooled?


Yes, I was. My parents decided that was the better for me.


That's good then, because you don't need a completion credential to show that you're qualified.


That's cool, right?. Oh ,I almost forgot, heard about something called ability to benefits, too?


You heard right. That's for people who were enrolled in college or career school prior July 1, 2012.


hello i would like to get information about new applicants


Not currently on an income-based plan and want to apply for one?


yes


You can request an income-based payment plan that limits your payments to a percentage of your income.


and how do I start this process?


you just need to SIGN IN TO GET STARTED


very well. now for SIGN IN TO GET STARTED. Can you inform me if there is more credit advice?


It is essential that you seek information about the PLUS Credit Counseling that is necessary if the US Department of Education.


In addition, adverse credit history within 30 days influences the process.


Can you explain in more detail what such a process consists of?


Unfortunately, no relevant information is found.


What is the Departure Counseling please?


It is related to departure when you graduate, drop out of school, or drop out of p


Enhanced eligibility for returning OEF/OIF/OND combat Veterans


You can receive free VA health care for up to 5 years after discharge or release for any condition related to your service in Operation Enduring Freedom OEF in Afghanistan or Operation Iraqi Freedom OIF or Operation New Dawn OND in Iraq .


yes, tell me more


If you wait to apply for VA health care until after your enhanced eligibility period ends


yes. i wait to apply for VA health care


we won t factor your OEF / OIF / OND combat Veteran status into our decision on your enrollment .


what are the mandatory requirements


Served in a theater of combat operations after November 11 , 1998


yes something else?


Were discharged or released from active service on or after January 29 , 2003


yes


Didn t receive a dishonorable discharge


Too bad I received a dishonorable discharge


Sorry. You may qualify for enhanced eligibility if you meet all of the requirements, All of these must be true.


I'm part of the teacher loan program and I wanted to know if I can receive loan forgiveness or not.


Of course. You can potentially receive forgiveness under both the Teacher Loan Forgiveness Program and the Public Service Loan Forgiveness Program, but not for the same period of teaching service.


Well, what if I complete five years of qualifying teaching and then I get forgiveness of my Direct Loans?


If you complete five consecutive years of qualifying teaching and receive forgiveness of your Direct Loans under the Teacher Loan Forgiveness Program, any payments you made on your Direct Loans during that five-year period can not be counted toward the required 120 monthly payments for the Public Service Loan Forgiveness Program.


Alright, that makes sense. And what if I'm applying for forgiveness of loans from different loan servicers?


In that case you must submit a separate form to each of them.


But I can receive forgiveness, right? I mean, if I'm under the teacher loan forgiveness program.


Yes, you can potentially receive forgiveness under both the Teacher Loan Forgiveness Program and the Public Service Loan Forgiveness Program, but not for the same period of teaching service.


What do I need to do to receive public service loan forgiveness then?


You would need to make 120 more qualifying monthly payments.


That's a lot, but it's fair enough. Can you tell me more about the teacher loan forgiveness and the benefits of the AmeriCorps program, please?


Are you an AmeriCorps Program volunteer?


Yes, I am.


Then a period of teaching that qualifies you for a benefit through the AmeriCorps Program can not be counted toward the required five consecutive years of teaching for the Teacher Loan Forgiveness Program.


What do I need to know about Diesel Opacity Emissions?


Testing isn't required in some areas of New York or for out of state registered vehicles, but vehicles can be tested at any time.


Have you failed a roadside inspection?


No, I haven't failed a test.


Which vehicles should be inspected?


Diesel vehicles 1997 or newer and over 8500 pounds that are registered in New York.


Do diesel vehicles need inspecting?


Yes, non-exempt diesel vehicles need to be inspected.


Do light diesel vehicles require inspections?


Any vehicle over 8500 pounds requires inspections.


What if my inspection certificate expires while I'm outside the DEMA?


You can apply for a temporary waiver certificate.


What are the waiver of premiums for policyholders who become totally disabled?


A waiver of premiums means you won't have to pay your life insurance premiums the monthly payments you make to hold your policy


You may be able to get a waiver of your life insurance premiums if you meet all of the requirements listed below


What are the requirements that I must meet to obtain it?


How do I apply  for benefits?


[39] fill out and sign a Claim for Disability Insurance VA Form 29 - 357 .s   [40] Mail it to the address listed on the form .   [41] Download VA Form 29 - 357 PDF


When premiums can be waived?


premiums can only be waived up to one year prior to receipt of a claim


What else do I need to know?


What requirements must I meet?


[48] You have SGLI , Family SGLI , or VGLI life insurance , andp   [49] You or your covered spouse has a written statement from a doctor saying you have or your spouse has 9 months or less to live?


yes


You or your covered spouse has a written statement from a doctor saying you have or your spouse has 9 months or less to live?


No


then you are not eligible for benefits


Hi. I want to know what kind of documents i need for a replacement card?


Well, that would be to prove a immigration status, so you'll need to show your child's current U.S immigration document.


Are you going to prove your child's immigration status?


Yes, i want to do it.


Good, then you need to have Form I-551 or Lawful Permanent Resident Card or Form I-766 EAD work permit.


And what happens if my child doesn't have permission to work? what to do then?


If that's the case, then the child may apply for a SSN if a federal or local law requires for him / her to provide a SSN.


And if my child is a Student elegible to work?


If he/she falls into a F-1 student status, the child must provide a letter form his/her school official identifying him/her and confirming its school status.


What if i don't hapend to have any documents?


Then you can provide us other documents we ask you, of course they mus t be valid.


And if the student goes for an CPT?


Then the child will need to submit Form I-20 competed and signed by the school official.


need more info on driver responsibility assessments


if you are convicted of driving while intoxicated. does this apply to you?


yes


you will be required to pay a driver responsibility assessment every year for the next three years


more info please


see pay driver responsibility assessment 2


what happens if i am convicted of an alcohol or drug related violation in new york state?


your license or privilege to drive in new york state will be revoked or suspended


am i eligible for a conditional license?


you may be eligible for a conditional license or a conditional driving privelage


is revoction possible?


your order of suspension or revocation from the department of motor vehicles dmv will indicate a nearby state or county motor behicle office where you may enroll in the impaired driver program


names change?


you may see the two names interchageably.


What original documents are needed?


We would need to have information about immigration status.


Do you need to know what documents needed to prove your child's U.S. immigration status?


No, I all ready have information to prove my child's U.S. immigration status.


Unfortunately, no relevant information is found.


What happens if I do not have the specific documents in the time period?


We will ask to see others documents that are not expired, have to show your name, and birth age and recent photograph.


What do I need if child does not have permission to work?


Lawfully admitted noncitizens can get many benefits and services without social security numbers.  You do not need a number to conduct business with a bank, register for school, or apply for educational test.


What happens if you are a J-1 student?


If you are a J-1 student you must provide a letter from your sponsor and should be on the letterhead of the sponsor with original signature that authorize employment.


What documents do I need to show child's U.S. immigration status?


You must provide your child's current U.S. immigration document such as I-551 Lawful Permanent Resident Card, Machine Readable Immigrant Visa or I-766 Employment Authorization Document, work permit.


I need extended repayment plan help


The Extended Repayment Plan allows you to repay your loans over an extended period of time. Payments are made for up to 25 years.


Are you looking to make lower monthly payments over a longer period of time than under plans such as the Standard Repayment Plan?


yes


The Extended Repayment Plan may be the right one for you.


If I am looking for more information on all the federal student loans I have received, where should I go?


You can visit My Federal Student Aid to get this information, where you will also find contact information for your loan servicer


Ok good, now regarding eligible federal loans, can a FEEL loan be eligible for an extended repayment plan?


Yes, FFEL Consolidation Loans are eligible for the Extended Repayment Plan


There's something else going on. Thank you so much. But what can you tell me about the monthly payments I have to make?


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


I'd also like to know on what other loans are eligible to get extended payments?


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


is the FFEL plus loan one of those loans that are eligible?


Yes, FFEL PLUS Loans are eligible for the Extended Repayment Plan


we need more than $30000 in loan debt to qualify right?


If you have more than $30000 outstanding on an eligible loan you can choose  the Extended Repayment Plan


Hello, I need some help exploring my career options.


Of course. You can check out the following link for more information.


Do you love working with animals?


No, I'm afraid of bigger animals.


How about computers?


No, I'm not good with technology.


Unfortunately, no relevant information is found.


Do you know where I can learn about budgeting?


Yes, you can use this link here to learn more about budgeting.


Is it necessary for me take SAT before I can admit to school?


For most undergraduate programs you will have to take either the SAT or the ACT test.


anything else I should do to help choose a school?


We have some useful statistics you can look at to help you evaluate schools.


hi


No, i'm not scheduled for that, but wanted to know in any case.


O.k. Another question, DMV doesn't provides any station signs, right?


That's right. You can use sign shops and automotive supply stores to purchase those signs required for your station. Be aware that your signs requirements may vary depending on waht types of vehicles you will be inspecting.


What is necessary to become a licensed inspection station? Where can i find information regarding this


You can find that information in the DMV Commissioner s Motor Vehicle Inspection Regulations pdf. There all your questions should be answered. In case you don't understand something, you can always write again here.


Oh, i see. I heard that you don't do that, but i wanted to know it for sure. Now another topic. Does my station needs to be equipped with a computerized inspection system?


Not necessarily. The Computerized Vehicle Inspection System is just required in case you are going to inspect vehicles from the group 1a.


Regarding opening a body shop or repair shop, what are the first steps to registration?


You can start by consulting the DMV Commissioner's Motor Vehicle Repair & Body Shop Regulations, and you can download and read the Repair & Body Shop business requirements


good to know, do you know someone who has recently registered a body shop and auto repair shop? can I get information online?


The search should be under the "Inspection" topic.


If i get approval after the inspector visit, What will happens next?


If you have positive results, then you'll receive a license once you have purchased the computerized system if you are grup 1a  station.


What steps can I take to successfully repay my federal student loan and avoid default?


It is important to stay on top of your loan information, and making sure to contact your loan servicer if you are having trouble making payments can help you avoid default.


Do you want to know what happens if you don't make a payment on time or if you don't?


yes


ok note that if this happens your loan is delinquent and late fees may be charged. Even if you are behind on your loan, you can still avoid default, so it is important that you contact your loan manager immediately.


Loan Consolidation is also something I'd like to learn about. What if I need to refinance a defaulted plus loan for my son's education?


The only income-driven plan you can choose is the Income-Contingent Repayment Plan (ICR).


I also want to ask about the loan agreement, what can I do to avoid non-compliance?


Take the time to fully understand your loan agreement and the types of loans you are receiving. It is also important that you do not borrow more than you need or more than you expect to be able to pay


Now I have a completely unrelated concern about the annual deadline. Are there any consequences if I don't re-certify my annual income and family size by the deadline?


In this instance, any unpaid interest will be capitalized added to the principal balance of your loans. This will increase the total cost of your loans over time, because you will then pay interest on the increased loan principal balance


I was looking on the internet. how can I track my loans online?


Find information on all your federal student loans from the US Department of Education by logging in to "My Federal Student Aid".


What is a point for which loans, scholarships or study and work funds must be repaid?


Please note that it is a legal document. Signing a promissory note means that you agree to repay the loan in accordance with the terms of the promissory note.


what advice can you give me to avoid non-compliance


Emphasize that it is important that you do not borrow more than you need or more than you expect to be able to pay.


I am looking to get information regarding a retirement benefits planner, where do I go to get this information?


Are you aware of the Government Pension Offset (GPO)?


Yes, I have heard of this but would need more information on it


Will you be in receipt of a pension for work that is not covered by Social Security?


Yes, that does apply to me


In this case, any benefits that you may be able to receive on your spouse's record may be reduced. This reduction is referred to as GPO


What information is required to calculate my benefits if I am affected by GPO?


There are two things required; we will need to know your gross monthly pension from your job that is not covered by Social Security and then the estimated monthly amount of your Social Security benefit as a spouse, widow or widower, before the effect of GPO


Where can I get further information regarding the calculation of my benefits upon retirement?


Are you eligible for widow's or widower's benefits, or have you no access to your spouse's estimate or records?


No, I do not fit these criteria


where can I get more info on mental health services?


Get answers to other questions you may have about our services


What if I do not qualify for VA health care?


ok thanks


Unfortunately, no relevant information is found.


Can I speak to a fellow Veteran who has been throug this?


call Military OneSource s free , confidential peer support services at 800 - 342 - 9647


Is it possible for me to receive assistance from the VA's Mental Health Services?


Yes. They are also able to help and support you.


Since I am not able to work at this time, am I eligible for financial help?


Yes. You can apply for disability compensation.


How do I sign up for counseling?


We have over 300 centers. Let's find one close to where you live.


Hello, I would like to register my moped. How do I proceed?


Is your vehicle a moped or a motorcycle?


It is a moped not a motorcycle.


Do you have a driver's license and is your moped registered?


I'm about to receive my driver's license but my moped is not registered.


Once you get your driver's license, you need to come register your moped at the DMV.


Okay, I will do that.


Before going to the DMV, please complete the Document Guide. It will inform you of the correct documents to bring with you.


I still haven't received my driver's license, can I use my learner's permit from another state?


Yes as long as it is from one of the Tri-States.


Can I see a list of these eligible counties?


They are listed on the website on the office locations page.


Are the offices open on Saturdays?


Yes some of our offices are open on Saturdays.


If I want to eventually get a moped that has three wheels, do I need a different kind of driver's license?


All new vehicles must be registered again at the DMV.


I was wondering why I should attend a college. Can you tell me why it would be a good idea?


Of course. You can also follow this link to learn more.


Did you take a look at the chart below?


No, and I'm not here to read charts.


Unfortunately, no relevant information is found.


Can you tell me how I can explore my career options?


Yes, simply follow this link to learn more about it.


I really love animals. Do my preferences and hobbies matter when picking a career?


Absolutely. We can help you find possible careers to match your interests.


Is there a good insurance plan that I could consider if I have been uninsured before because of a condition that I had?


Then you may be eligible to join the Pre-Existing Condition Insurance Plan.


I'll have to look into that. What about combined degrees? I read about that too.


Some schools offer combined degree programs or three-year programs that allow you to take all of the courses needed for graduation in three years, instead of four, thereby eliminating one year's educational expenses.


How long would I have for repayment of my student loans under the Extended Repayment Plan?


Payments could be made up to 25 years.


What if I want to make lower monthly payments over a longer period of time than the Standard Repayment Plan offers?


Then it looks like the Extended Repayment Plan may be right for your situation!


Do you know about the  Direct PLUS Loans, would I be eligible for a Parent PLUS loans?


There are some eligible guidelines you as a parent must have to get a parent PLUS loan.


Who makes the Direct PLUS loans?


The US Department of Education makes Direct PLUS loans to those eligible parents through schools that participate in the Direct Loan program.


What happens if any loan funds are left over?


Your child's school would give you the left over funds to help pay other education expenses or the school with your authorization would pay the remaining funds to the student.


What must I do to be eligible for a parent PLUS loan?


Are you the biological, adoptive, or stepparent of a dependent undergraduate student that is enrolled in school at least half-time?


No, the student will be part-time?


Then you are not eligible for a parent PLUS loan.


I need help with the online application for applying for retirement benefits


Select the " Apply for Retirement Benefits " button above .You ll be asked to create or sign in to your my Social Security account and then go through a series of screens that will ask you questions about yourself , your family , and your work .Fill out the online application .


Have you already begun the application and are you stuck on something?


I just started and got stuck on some questions


If you: get stuck on a question ,you can skip it and go back later .When you get to the end of the application , we 'll let you know if there are any questions you still need to answer .


and I can apply if I'm a spouse?


What happens once i start receiving benefits? If I am not of full retirement age, my benefits are reduced?


Well, if you're between 62 and your full retirement age, your benefits will be reduced until you reach your full retirement age. That would work in a percentage.


Yes, You can apply online for retirement benefits or benefits as a spouse if you :are at least 61 years and 8 months old ; Are not currently receiving benefits on your own Social Security record ; have not already applied for retirement benefits ; and want your benefits to start no more than 4 months in the future .


I'd like to know on what are the ways I can apply for the retirement benefits if I do not live in the U.S.?


If you do not live in the U.S. or one of its territories you can also - Contact the nearest U.S. Social Security office , U.S. Embassy or consulate .


also, I got stuck when entering my address and I keep getting a message to fix it, what is that about?


You can not use a period as part of an address . If you type " 27 N. Main St. " instead of " 27 N Main St " in an address field ,you will get a message when you try to go to the next page .


and when I finish do I sign it and such?


Yes, After you completely fill out the application ,we will ask you to confirm the truthfulness of the answers to the best of your knowledge , under penalty of perjury ,and your response will be recorded . Then " Sign " the application electronically by clicking on the " Submit Now " button .  It will appear on the screen after you have finished filling out the application


How do I know if I have to do a Driver Responsibility Assessment?


Have you been convicted of a DWI or DWAI?


No, no convictions.


Have you refused to submit to a chemical test?


Yes, I refused a test.


Yes, you will have to pay a driver responsibility assessment.


When will my license be suspended?


It begins at your hearing or sentencing.


Is there a way I can still drive to work?


You might be eligible for a conditional license if you participate in the Impaired Driver Program.


How do I enroll in IDP?


The Order of Revocation they send you will show close by offices you can enroll at.


Is your license always suspended if you get convicted?


Yes, if convicted, your license will be suspended or revoked.


I would like to register a moped, what is the procedure?


Will you be using a moped as a permanent vehicle?


No, this isn't the case for me at the moment


Do I need to satisfy certain requirements to use a moped in New York?


In order to operate a moped, you must have a driver license and register the moped, there are some exceptions which are listed in a table on the website


Could you give me a summary of what I need to bring to the DMV to register a moped?


Firstly you will need to complete a Registration/Title Application form PDF (4) MV-82


Is there any way for me to speed up the service of registering a moped?


Yes there is


To speed up the registration process, you can make a reservation online for any of the offices located in New York City, Westchester, Nassau, Suffolk, Rockland, Onondaga, Monroe or Albany


What if I don't have one of the required identification documents?


You must provide other forms of identification, as per the website


What are VA mental health services?


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


can I have More information about VA mental health services


In addition to online resources caregiver support coordinators at your nearest VA medical center and a caregiver peer support mentoring program can help connect caregivers to one another for support and learning


where do I  Get free mental health care for a year after separation no matter your discharge status, service history, or eligibility for VA health care


you can call 1 - 800 - 877 - 8339


I have another question about free services for recovery. and if someone feels they may have MST, where do they start?


If you feel you may have experienced MST . We can help you access our free services that can help you recover .


can we do it by phone?


Yes you can. To connect with a Veterans Crisis Line responder anytime day or night : Call 800 - 273 - 8255 then select 1 .. We also have a confidential Veterans chat.


can we select a provider or do they make us talk to the next available person?


You can ask for a provider of a specific gender if that makes you feel more comfortable . If you don't have a VA primary care provider call your nearest VA medical center and ask to speak to the MST coordinator and they will help you.


Do you have anything I can look at about services you offer?


Yes, we have a Guide to VA Mental Health Services PDF


Can you tell me more about the Benefits Planner for my retirement?


Gladly. Would you like to know what Government Pension Offset (GPO) is?


Yeah, that's exactly what I wanted to know!


Great. Could you tell me if you are going to receive a pension for work not covered by Social Security?


Yes, I believe I do.


Then you should know that any Social Security benefits you may be eligible to receive on your spouse's record may be reduced. This type of benefit reduction is called GPO.


Oh, where can I get more information about that?


For more information, please read the "When won't my Social Security benefits be reduced ?" section of our " Government Pension Offset " factsheet.


Will this also affect my benefits as a spouse somehow?


Yes, this will also affect your benefits as a spouse, widow, or widower.


Do I get just as much benefits as a spouse?


No, your benefit amount as a spouse will be reduced. The reduction will vary based on your date of birth. The maximum reduction for benefits starting at age 62 is 30 percent for someone born in 1946.


I would like to know what happens if I cannot make my monthly payment?


Do you have trouble making your monthly payments?


yes


You should contact your loan manager immediately. Your loan manager can help you understand your options.


One more thing to be more clear. Can a father consolidate a more defaulted loan for the education of his children?


The only income-driven plan they can choose is the Income-Contingent Repayment Plan


can we do the loan consolidation with only one loan?


Yes, loan consolidation allows you to pay off a federal student loan with a new consolidation loan


Have you decided to make three payments on a defaulted loan before you consolidate it?


no, I'm not there yet


Unfortunately, no relevant information is found.


what comes next after I choose something like an income-driven plan for repayment?


You would have to select one of the available income-driven repayment plans at the time you apply for the consolidation loan and provide documentation of your income


I'm thinking into opening a emissions station and like to get some guidance?


Very good. But before proceeding, you must know that you may be subject to the Public Emissions Inspection State Cap. Did you were aware of that?


No, i didn't.


Would you like to know how to apply then?


Yes, i would like to know that.


Excellent. To apply, you must submit an Original Facility Application, so you can proof that you have permission to use the property at the business location. Second, a notarized statement from property owner.


Another question about the investigation process, after the investigation, what comes next?


This will depend on what is found in the investigation. The result could be no action at all, a warning letter Notice of Investigation put in your file, or a formal administrative hearing before an Administrative Law Judge.


They said something about a hearing waiver where I would just pay a monetary penalty. What if I don't accept the waiver?


If you reject their offer, a hearing must be held.


What does the hearing process entail?


During the hearing process, you are entitled to hire an attorney and to have your attorney present at the hearing. The DMV will be the petitioner in this case and your complainant may be called as a witness.


I want help with PTSD matters


Posttraumatic stress can happen after someone goes through a traumatic event such as combat , an assault , or a disaster . Most people have some stress reactions following trauma , but if the reactions don't go away over time or they disrupt your life you may have posttraumatic stress disorder.


how can you help me with information?


We have made great progress in treating PTSD and have brought more mental health providers to VA medical centers to help give the best care to Veterans with PTSD  You can learn about our PTSD programs


Now, for VA benefits relating to post-traumatic stress disorder; what are the sites that have benefits?


On this pageyou can use during and after service VA benefitsTime - sensitive VA benefits to consider when separating or retiring


If I'm a traditional or technical member of the National Guard and Reserve,