What is a student loan deferment for?


You won't have to make a payment on deferment but you probably won't be making any progress toward forgiveness or paying back your loan.


Are there any alternatives to a deferment?


Yes, you might want to think about an income-driven repayment plan.


related to obtaining temporary relief, may there be any suspension in payments due to the covid 19 pandemic?


Yes, It also apply for it.


And which options do you bring for this case?


Have you check the different type of deferment and forbearance there is?


I have seen some of them.


You can just suspend for a time your payments too.


I can do this even applying to the deferment and the forbearance.


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


I want to personalize my plates


good, you can personalize picture plates for a fee


are you doing a picture plate


yes I am


You can look at our available plates online


can I have my naked wife on there


you might as long as it is not obscene or offensive


so if i choose to do my naked wife and it is art then you will make it?


we might, it will be reviewed to make sure it is not offensive or obscene


are there rules for what I can do?


yes, we have character limits and other rules that you can view online


what if my plate is only offensive to some but others consider it art?


It will be reviewed to make sure it is not a restricted plate


How will I know if I should apply for Medicare?


You should apply if you are age 65.


Do you plan to delay your benefits when you are 65?


That is the question I need to ask because I think I want to.


Since you want to delay your Medicare benefits then you need to contact Social Security about 3 months before you turn 65.


Btw, for the Rest of the Information I Require. What if my ex-husband is eligible for his own pension?


He can then switch to his own retirement benefit.


May I ask a question about applying for Medicare? What if I forget to register for Medicare?


All you need to do is read the general and special enrollment period on page 12 of the Medicare booklet and also your Medicare coverage could be delayed and cost more.


Are you aware of the benefits payable to family members? What is the maximum amount that a family is entitled to receive?


The limit varies but it is generally between 150 to 180 percent of the basic benefit rate. If the sum of benefits payable to family members is greater than this limit the benefits will be reduced proportionately.


To know whether to apply for Medicare, if I have health insurance through an employer, should I apply  for Medicare?


Yes, you still should check to see whether you need to sign up for Medicare because some health insurance plans change at age 65.


Will other family members or minor children qualify for benefits under my record?


Actually, the value of their benefits added to your own will help you decide if taking your benefits sooner is your best choice.


What if something like an accident occurred?


Your final decision would be your best guess about the future because it would be in your best interest to account for unexpected changes.


can you give me details of Eligibility requirements for VA home loan programs


Learn about VA home loan eligibility requirements for a VA direct or VA - backed loan . Find out how to apply for a Certificate of Eligibility COE to show your lender that you qualify based on your service history and duty status


Can I use a COE I used before to request a restoration of rights?


fill out a Request for a Certificate of Eligibility VA Form 26 - 1880 and send it to the VA regional loan center for your state .  Download VA Form 26 - 1880Find your state s VA regional loan center


tell me the questions i must answer


You ve sold the home you bought with the prior loan and have paid that loan in full


yes


You qualify for the program


Can I get a COE as the spouse of a Veteran?


You may be able to get a COE if you re the surviving spouse of a Veteran or the spouse of a Veteran who is missing in action or being held as a Prisoner of War POW . Find out how to apply for a COE as a surviving spouse


If I received one of these discharge states


you may not be eligible for VA benefits


Why do you need proof of identity and my date of birth?


Do you wish to register an ATV?


Yes, I wish to register an ATV.


In order to register an ATV with us, you must first provide proof of identity and your date of birth.


What should I do with my ATV plates if I'm permanently moving it out of state?


You should surrender the plates and all registration documents for the ATV to a local BMV.


Can a child under 10 operate an ATV?


A child under 10 can only operate an ATV under adult supervision or without supervision on land that is owned by the parent or guardian.


Who writes a report if I crash an ATV while incapacitated?


A report will be written by someone who witnessed the accident  or by an investigating police officer.


When do I have to report an  ATV accident?


You must report an accident if it causes over $1,000 worth of property damages or if it harms or kills someone.


Can I drive my ATV on private owned land?


You can drive your ATV on private owned land with permission from the owner.


please show me information about Servicemembers Group Life Insurance (SGLI)


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


What if I am a service member who meets the criteria


we ll automatically sign you up .


what are the requirements to be eligible


You may be able to get full - time SGLI coverage if any of the descriptions below are true for you


yes tell me the requirements


An active - duty member of the Army , Navy , Air Force , Marines , or Coast Guard


yes i am active duty


can you tell me what are the benefits of this program or other important information


SGLI offers low - cost term coverage to eligible service members


Am I eligible for SGLI?


yes because seeing your previous answers you meet the requirements


Why do I need exit counseling when dealing with federal student aid?


Do you know what Exit Counseling is?


Actually, I do not know exactly what it is.


Do you know who should complete the exit counseling?


Yes, I know I am supposed to complete it but not why.


It is a step required for students who leave school, graduate, or fall below half-time student for PLUS loan, subsidized or unsubsidized loan under the Direct Loan Program or the FFEL Program.


What information does exit counseling provide?


Exit counseling gives important information that helps you prepare to repay your federal student loan.


How do I complete exit counseling online?


You would look under Complete Exit Counseling and then log in to start.


What if I leave school do I need exit counseling?


Yes, it is one of the reasons you would need exit counseling.


Good afternoon, I'm looking for some information about the Benefits planner.


Sure. It's something available to you and other family members by Social Security in certain event or circumstances.


I see. So, any of member under my family can be provided with those benefits?


That's right. Any from your spouse, to other eligible family members.


That kind of benefits apply when i retire, isn't?


Correct. Plus, you can apply for those in cases when you get disabled or death occurs.


Got it. Another question about my retirement benefits, what if I have a child under the age of 18 with a disability?


In that case, we don't need to consider the child's disability when deciding if he or she qualifies for benefits as your dependent.


Is there any special situation in which a person can receive disability benefits?


Yes, there are situations other than the typical worker that qualify for the benefits on their own accord.


About qualifying for the benefit. What if my medical condition is severe and keeps me from doing basic work-related activities?


Then that would check step 2 of the qualifying process and we would go to step 3 that is checking if your condition is in the list of disabling conditions.


I wanted to ask about  VA tuition assistance and help with paying for school?


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


yes it is more


You can find out if you can get more money to help pay for school through the Tuition Assistance Top - Up program .


what do I need to qualify for tuition assistance?


You have to be approved for federal tuition assistance and you must qualify for Montgomery GI Bill Active Duty MGIB - AD or Post-9/11 GI Bill benefits, and the cost of the course and fees must be more than tuition assistance will cover .


and if all of that fits my situation then what?


Then you can find out if you can get more money to help pay for school through the Tuition Assistance Top - Up program .


who is covered by this financial assistance?


Veterans who meet the requirements


just to review, if I need help with tuition and it costs me more than what I get from tuition assistance then I get more help?


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


No, I don't think so


You are not eligible for further assistance from the Top-Up program


Hello, can you tell me about all the retirement benefits?


It is important that you continue reading to understand how Social Security fits into your retirement plan and all the benefits it can offer you.


What does social security consist of?


One of the important benefits is that they receive 40% of their pre-retirement income from Social Security.


This can happen while you are making your retirement plan.


What does this retirement plan consist of?


Can you tell me more about such a process?


Review the various applications that can facilitate the process.


What can you tell me about the delayed retirement age?


It consists of delaying the collection of benefits, among other things.


Okay, what else can you tell me.


It is noteworthy that the amount of your retirement benefit will continue to increase until age 70.


How to get my own CDL driving record


Want to know what is a CDL Driving Record Summary?


yes


Commercial CDL abstracts show expanded driver history information that is not available on a Standard Driving Record


how to connect through MyDMV


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


do you want to create a MyDMV account?


you will needa New York State license , permit or non - driver ID or yourNew York State license.


If I can't access MyDMV


you can mail a Request for Certified CDL Abstract PDF [ 5 ] MV - CDL form along with the $ 10 fee to the DMV to the address provided on the form , or have your employer order your CDL driving record abstract through LENS


how is the DMV registration


An abstract of driving record is a certified DMV record . They all include a certification statement and the signature of the Commissioner of Motor Vehicles , as well as a security watermark .


Good evening, i'm searching for information about getting funds to study abroad. Could you lend me a hand oh this?


Absolutely, this is the right place. If you're planning to study abroad or just passing one semester, be aware you can receive federal aid.


Alright, then. And what kind of help can i get?


You can get funds form the William D. Ford Federal Direct Loan Program. You would need to check out if your desired school has participation on that program.


That help could be affected or vary depending on what I study or what?


No. Mostly, would be affected by your status as undergraduate or graduate student. In that regard, behavior is very like in the U.S.


O.k, I think i get it. Well, lets say i made my mind and go for an international school. What can you do for me?


Well, we can lend you a hand finding out which international schools get a part in federal student aid programs and then, guide you through the corresponding process of getting that federal aid.


That sounds very good, thanks. Say, if i'm able to get that aid, what amount are we talking about?


That would depend on the type of aid, but for both Direct Subsidized or Unsubsidized Loans, The amount you could receive goes from $5,500 to $20,500 range.


In fact, Are you aware that amount could be affected by many factors?


Well, no, i didn't knew that.


I have a problem on which I need your advice. I haven't received my health card for veterans in the mail and I fear it might have gotten lost.


Has it been more than 10 days since you've had your picture taken and you haven't received your card yet?


Yes,I haven't received anything.


In that case, please call the VA medical center where you had your picture taken, or call us at 877-222-8387.


During which times can I call you?


We're here Monday through Friday, 8:00 a.m. to 8:00 p.m. ET.


Great. So what should I do, once I reported that my card is lost?


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'm still at the same center as before.


Unfortunately, no relevant information is found.


Look, I'd love to do this over the phone but I'm hard of hearing. Do you have a number for that?


Of course. Simply call TTY: 711.


Will do, let me write down that number. One more question, if I may. I have never used my card, what can I use it for?


You'll use your Veteran Health Identification Card (VHIC) to check in to your appointments at VA medical centers. This secure ID card keeps your personal information safe while giving us the information we need to easily access your VA health record.


can you give me details of Computerized Vehicle Inspection System


Only stations that inspect group 1a vehicles are required to have a CVIS .


Do you want to sign the station agreement and request equipment?


not


can you give me details of Official inspection station sign


DMV does not provide official inspection station signs . You may purchase these signs from various sign shops and automotive supply stores . Your sign requirements will differ based on the types of vehicles you will be inspecting


Ok, That's sounds good to me. During this process, what will happen if I don't like the offer they make me?


In that case a hearing must be held.


The hearing will be related to the safety?


That's correct. You can have the opportunity to get a hearing waiver to admit the charges and pay a monetary penalty or accept a suspension.


If I do that i still have to go to the hearing?


No, you won't required the hearing.


But, then I will still need to get certificated by the NY DMV?


That's correct, you still need the certification.


how to make a fully developed Claim for a VA pension


The FDC Fully Developed Claim program is the fastest way to process your VA pension claim, and there is no risk of you participating in it. Simply submit all of your evidence, or supporting documents, when you file your claim.


y If you file a claim in the FDC program and we decide that there are additional documents that we need to decide your claim that is appropriate in that case


We will remove your claim from the FDC program and process it as a standard claim.


It's a start, and can I change my address information in my online profile?


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


What else can I do online?


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


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


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


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


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


Do you plan to delay your retirement benefits?


No I think I won't.


What happens when my spouse files a benefit?


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


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


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


Can my spouse receive benefits on my record?


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


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


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


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


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


Is there a downside to applying for Medicare later than recommended?


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


I wanted to look into tutoring help through the VA


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


yes I am


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


what else needs to happen for me to be eligible?


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


no, less than that


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


very well. now. for hearing loss. I have some problems with my hearing, this won't be a problem?


No, not at all. In that case you can call to the TTY: 711.


Alright. But then I would like to get some more information.


About the schools, we can speak with the administrators, so they can ajust to your condition.


What happens if I found difference schools which I can go? I would I compare them?


For that you can use the GI Bill comparison tool, to learn about the education programs and compare benefits by school.


I need some information about getting my Social Security direct deposited in my account.


Do you receive SSI benefits and have a bank account?


Yes to both.


You can sign up for Direct Deposit by doing one of the following:- starting or changing Direct Deposit online Social Security benefits only- contacting your bank, credit union or savings and loan association- calling Social Security toll-free at 1-800-772-1213


What if I have a credit union instead?


Yes it is possible to sign up through them.


I've chosen an account type, what do I do next?


Let a representative at your financial institution know that you are interested in signing up to receive your benefits by Direct Deposit.


Yeah, what if I need a bank account?


You must open an account before you can sign up for Direct Deposit. You should shop around in your area to find an account that has the features you want at a price you can afford.


Is there a number I can call for the card?


Yes, all the toll-free Direct Express hotline at 1-800-333-1795. Also, Social Security can help you sign up.


I need information about renewing my license.


Does your license have a Veteran status designation?


No, it doesn't.


Are you renewing by mail?


Yes, I am.


Okay. Once you order you should receive the new license within 10 business days. You can check the mailing status online.


What if it's been longer than 2 weeks and I still haven't received it?


If this is the case, contact us and we will assist you with the issue.


Is there anything that I should be worried about when renewing online?


Are you renewing online?


Not sure. What options do I have for renewing my license?


In addition to renewing online, you can do this by mail or in a DMV office.


What if I will be outside of NY when I need to renew?


When you are out of state, we recommend that you renew your license by mail.


I"m looking to try and stop making payments on a loan if I could but only for a short time to get caught up


Okay, so you just need to suspend your student loan payments for a short period


Is this financial situation just short term?


probably not


is there a way to get lower payments?


It might be good for to you consider a different repayment 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, your payment could be as low as $0 per month.


can we get help because of the coronavirus and job loss?


Yes, federal student loan borrowers are automatically being placed in an administrative forbearance, which allows you to temporarily stop making your monthly loan payments. This suspension of payments will last from March 13, 2020, through Sept. 30, 2020.


what if I go with deferment, any advice on that ?


If that is the way you go consider paying the interest that accrues during that period, so that you can avoid some of the consequences.


and this will allow me to miss a few payments if I do this?


Do you know if you are eligible for deferment or forbearance?


No, but I will find out because I really need a miracle


As a veteran, is there a way that I can qualify for more than one VA education benefit?


Yes, there are instances where you could qualify for more than one benefit from the VA scheme


Do you know if you are eligible for more than one education benefit?


Yes, I have done some research and I think I do qualify


If you do qualify for more than one benefit, you need to decide which benefit you would prefer to receive, as the system does not l allow a person to receive benefits from more than one program at any one time


I am interested in the programs that you can offer me if I study abroad, what would my coverage be? Where can I get information regarding this?


find out how you can use VA benefits to cover your tuition and fees


What are the requirements that I must meet to qualify under Category IV of educational benefits through the MGIB-AD program?


Some of the criteria are as follows; you must have entered full-time National Guard duty under title number 32, USC between July 1, 1985 and November 28, 1989 and you must also have chosen MGIB between October 9, 1996 and July 9, 1997


Alright. I'd also like to know on Post-9/11 GI Bill benefits, can I transfer any benefits to my wife?


If you have unused Post-9/11 GI Bill benefits we can help you find out if you can transfer your benefits to your wife


On a related note, you might be eligible for more than one VA education benefit. What options do I have if I have hearing loss and am eligible for multiple VA education benefits?


For those with hearing loss, you must contact TTY 711


Is there a stipulation under the qualification rules for Category III regarding separation?


Yes, this states that you must have had your military pay reduced by $1,200 before separation


What criteria are there under Category IV in relation to active duty?


This element of the criteria states that you must have been on active duty on October 9, 1996


Hi. I am looking to learn more about life insurance.


Great. I can help you learn about Servicemembers Group Life Insurance.


How do I know if I qualify?


If you meet the criteria for a service member, I can sign you up.


How will I know if I am eligible?


I can help you with that.


What if I want to change my beneficiary?


You can make changes online.


What if I am now in the National Guard?


Are you scheduled for inactive training for a year?


Yes, I am.


Are you drilling for points or for financial compensation?


I am drilling for points.


In that case, you may not be eligible.


I'd like to know what I can expect from the person in charge of my Student Loan.


We can provide information about the role that student loan servicers play in the repayment process and which servicer handles your federal student loans.


How do I find out who my servicer is?


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


I got an email about a loan transfer. Why is that?


In some cases, a loan can be transferred from one servicer to another servicer but your loan will still be owned by ED.


Did the email say that your loan had been transferred?


No, I think it was just explaining what the process was but I didn't really read it all.


And how exactly does a loan servicer help me?


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


Oh cool, it's free. What if I move or something?


If your circumstances change at any time during your repayment period, your loan servicer will be able to help update your information and provide guidance.


How is the Tuition Recharge Help system


Does your college tuition cost more than what the TA Tuition Assistance Program covers?


yes


You want to find out if you can get more money to help pay for school through the Tuition Assistance program.


if what are the requirements


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


not


you can't get tuition assistance I'm sorry


I'd like to find out if you can get more money to help pay for school


you can do it when you meet the requirements


how can i qualify for tuition assistance if you get approved for federal TA


You meet the two requirements listed below.  Both must be true:  You qualify for the Montgomery GI Bill Active Duty MGIB - AD or Post-9/11 GI Bill benefits, and   The cost of the course and fees is more than what TA will cover.


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


Were you one of the veterans who volunteered for medical research?


Were you involved in this investigation?


Unfortunately, no relevant information is found.


tell me the questions i must answer


Volunteered for research involving chemical and biological testing between 1942 and 1975


No, you may be able to get the benefits if you do not meet the requirements


if I must meet the requirements. How Can I Manage My Veterans Disability Benefits?


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


I would like to have information about the Agent Orange claims from aircraft C-123. Will there be someone who can guide me, any form?


You can download our C-123 Aircraft Agent Orange Exposure claims fact sheet PDF for more information.


I want to know if I can qualify for two school benefits from the VA to help me pay for school


Yes, it is possible to have qualified for more than one education benefit


Are you eligible for more than one VA education benefit?


yes, I wanted to get both to help me out


Okay, you will need to decide which one you want to receive because you can't receive benefits from more that one program at a time.


Of course, another question I have is what benefits could I have through the GI Act after September 11 if I have 90 days of active duty since September 10, 2001?


you would qualify for 40 % of the maximum amount


I was told that because I have served for more than three years, I am eligible for the Montgomery GI Bill active duty benefits. Is this true?


Yes, if you served continuously without a break for 3 years you could be eligible for the benefits but there are other factors that will need to be true for you to be eligible.


This reminds me of foreign programs. Okay. Meanwhile, could you please tell me about any other GI Bill programs for which I might be eligible?    This reminds me of foreign programs. Okay. Meanwhile, could you please tell me about any other GI Bill programs for which I might be eligible?   This reminds me of foreign programs.  Could you please tell me about any other GI Bill programs for which I might be eligible?


At your service. You have the Montgomery GI Bill Active Duty MGIB-AD available if you served at least 2 years on active duty.


Ok, fine. Regarding qualifying for more than one VA educational benefit, is there a special number for deaf people to find out more information?


you can call TTY: 711


would I qualify for this GI Bill if I was in the National Guard?


If you entered full-time National Guard duty under title 32, USC, between July 1, 1985, and November 28, 1989, and chose MGIB between October 9, 1996, and July 9, 1997 you could get benefits, but you would also need other things to qualify


what if I was on active duty on September 30 , 1990?


It could help you qualify but you will need something else to be true also


and if I get benefits I can study whatever I want and you will give me aid?


It has to be an approved program, if it has not been approved you ll need to ask the school to request approval


Hey there. I would like to get some information about a temporary relief.


Sure. There is no problem, we can help you if you have to do a suspension of your payments.


Are you in a short time period of financial bind?


Yes, I am in a period I don't know how can I pay any more.


Well, that's very bad to hear. You can suspend your payments for a while.


There is some how to get a loan relief?


You mean like a forgiveness of your loan. Yes, this is possible, like a period of deferment or forbearance.


I see, this is something that I'm looking for, because the covid19 outbreak. This counts? I mean, this is covered?


Yes, there are special measures that has been taken about this, which will last from march 13 through sept 30 of 2020.


Bu if I have the chance to make a payment or two I can do it too, right?


Yes, no problem. But if you can't  do it, you can skip them during this period of time.


This is also related to the amount of taxes I will have to pay?


Yes, you will need to pay taxed based on the amount forgiven.


I've been looking into some info for renewing a license, and would kie to know if there is some things i didn't see before.


Well, there is the use of the veteran status, Would you be interested into know about that?


Yes, that sounds interesting.


All right. Are you a veteran with honorable discharge and have a NYS driver license?


No, i don't have any of those.


I guess it doesn't need to be said, but, Can i get punishment if i drive while my license is expired?


Of course you will. Not only penalties but fines too. For example, you could pay a fine that range from $25 to $40, and you have to keep in mind that amount can be bigger.


Can i change my address and even so, i'll be able to receive my documentation?


You can indeed change your address, but we cannot guarantee that you'll receive your documents on your new address.


O.k, better to change that once i receive my document. Look, And those who are foreigners but have received an extension in their documents?


If you or one of your acquaintances is on that situation, then you or them must go to a DMV office with all your updated data. In that way, we'll update your record and your license will show your new temporary visitor expiration date.


Hello, I wonder what happens if I am already receiving help?


If you already receive the help, you can register in the Direct Deposit.


I already receive SSI, what is the process?


You can primarily sign up for Direct Deposit using.


What if the benefit is not received?


If you do not receive SSI but are planning to apply, follow the respective steps.


Can you expand this information more?


It is important to have an account.


Sure, what else is there to know.


Can you tell me what is the Direct Express card?


It is an important entity to transfer your benefits.


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


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


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


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


How do I start off filing a claim?


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


Where can I find more details as well as information on pension rates?


Protected Pension Rates See Protected Pension Rates for Section 306 and VA Disability and Death Pension Benefits from the previous law.


Who may be eligible for this benefit?


VA Survivors Pension Find out if you are eligible and how to apply for VA pension benefits as a surviving spouse or child of a deceased veteran of war service.


must the veteran be deceased?


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


Are you among the 60,000 veterans who volunteered for medical research for the biological and chemical programs of the United States?


Yes


We commend him for participating in the Biological and Chemical Programs.


Thanks to you for letting me participate without a doubt a very pleasant experience but I have one doubt. Will I be eligible for VA disability compensation?


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


What must be true for me to get VA disability?


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


Yes, I served active duty.


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


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


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


How can I get a Tuition Assistance Refill


Does your college tuition cost more than what the TA Tuition Assistance Program covers?


no that's not the case


Can it happen that the combined amount paid by DoD and VA is more than the total cost of the course?


In no event will the combined amount paid by DoD and VA be more than the total cost of the course.


What happens if I am using GI Bill Post-9/11?


In that case we will reimburse your school for the difference between the DoD payment and tuition and the approved maximum authorized fees.


What should I do with the PDF document that is here?


for more information you should read the data sheet above PDF


If the amount paid by DoD and VA is less than the cost of the course, is it accepted?


is possible as long as the cost does not exceed the total of the course


What requirements must I meet to be eligible?


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


I do not qualify


since you don't meet the requirements you can't get tuition assistance


hi could you tell me who is my student loan manager?


Of course Learn about the role student loan servicers play in the repayment process and which servicer handles your federal student loans


and how do I find out who my loan manager is?


very easy call the FSAIC Federal Student Aid Information Center at 1 - 800 - 433 - 3243.


ok i also want contact information for non-ED loans


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


no


Not sure who your administrator is?


if i'm not sure


in that caseFind the most recent communication from the entity that sends you invoices for your loan payments.


and should I ask for help from another company?


Never pay an outside company for help with your federal student loans. Your loan servicer will help you FREE. Contact your administrator to request income-based payment plans, student loan forgiveness, and more.


How do I get sGLI?


If you are a service member who meets certain criteria you will automatically be signed up.  If not, there are ways to find if you are eligible.


Are you an active service member at this time?


I have never served in the military.


How can I find other ways that I may be eligible for SGLI?


You may be able to get full-time SGLI coverage if one one of these descriptors apply to you:  if you are an active-duty service member; if you are a commissioned member of the National Oceanic and Atmospheric Administration NAOO or the US Public Health Service; if you are a cadet or midshipman of the US military academies; if you are a member, a cadet, or a midshipman of the ROTC engaged in authorized training and practice cruises; of you are a member of the Ready Reserve or National Guard assigned to a unit, and scheduled to perform at least 12 periods of inactive training per year;  if you are a volunteer in an Individual Ready Reserve IRR mobilization category; or if you are in nonpay status with the Ready Reserve or National Guard.


Are you saying that this covers the service person and military families are not eligible?


Service member that fall into the categories that have been described are eligible for SGLI.  It is specifically for servicemen.


I do not qualify as a family member of a serviceman?


Do you fall into any of the categories that I previously described?


I am a family member of a serviceman who definitely falls into a category you described.  Why can I not qualify?


The serviceman in your family does qualify, but this is not a program that extends beyond those who are actively serving in the capacities that I have described.


Is there top-up tuition assistance available?


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


Yes, my college tuition cost more than what is covered under TA.


Did you know that you can get more money to help pay for school through the TA top-Up program.


Who is covered under the TA Top-Up program?


Only veterans are covered under the TA Top-Up program.


What must be true to be eligible for tuition assistance?


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


Yes, I qualify for the Montgomery GI Bill Active or Post-9/11 GI Bill benefits.


Are the cost of the course and fees more than Tuition Assistance covers?


Yes, the costs are more than TA will cover.


Then you can get tuition assistance if you are approved since you meet both criteria of qualifying for MGIB-AD and the costs is more than TA will cover.


Does social security provide a benefits planner?


Yes, social security can provide you and other eligible family members benefits and a benefit planner.


Am I able to apply for benefits online?


Do you want to apply for retirement or disability benefits?


Yes, I want to apply for disability benefits online.


You can complete your application online, all you need to do is agree to a Terms of Service Agreement and create or log in to your personal Social Security Account.


I see, a question regarding the eligibility of other family members, if the deceased person was in social security, can I get any benefits?


Did you want to know what family members may be eligible for survivors benefits?


yes sir


Are you a stepchild, grandchild, step grandchild, or adopted child of the deceased?


I'm not any of those


You are not eligible for survivors benefits.


exit counseling info


Did you want to know what Exit Counseling is?


yes


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


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


no, just wanted to be prepared


what will I need to have to do this counseling?


You will need a verified FSA ID


who needs to complete the exit counseling?


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


will I need this if I drop out without finishing or I transfer?


Yes, you must complete exit counseling each time you leave school.


hi i need help about Veterans Educational Assistance Program (VEAP)


You can continue your education by using part of your military payment to help cover the cost of school. Find out if you can get benefits through the VEAP Veterans Educational Assistance Program, a government program of $ 2 to $ 1 for educational assistance.


What requirements do I need to meet?


Did you first enter service between January 1, 1977 and June 30, 1985?


Yes


Open and put money in your VEAP account before April 1, 1987?


do not


We regret to inform you that you may not be able to obtain the benefit since it does not meet all the requirements


What should I do If you have already started training Take your VA Form 22 - 1990 application?


Ask them to complete VA Form 22 - 1999, Certification of Enrollment, and send us all the forms. Download the VA 22 - 1990 PDF form Verify your enrollment Ask your school or training officer to verify your enrollment with us.


and what will happen after my registration is verified?


Ask your school or training officer to verify your enrollment with us.


What are rules for ATVs on private land?


Will you be operating on your own private land or someone else's?


On someone else's land.


You must have permission of the land owner or lessee.


What else do I need from the land owner?


You must know the boundaries of the property and respect any special restrictions or request of the land owner or lessee.


How old do you have o be to operate an ATV?


A parent or guardian may not knowingly permit or authorize his or her child under age 16 to operate a ATV.


What are rules for operating an ATV?


You may not operate an ATV other than while seated on the permanent, regular seat and only carry passengers if the ATV is designed to carry a passenger.


What documentation do I need to have when operating an ATV?


You should carry your ATV safety training course certificate when operating any ATV.


Is there a law about who can operate an ATV?


Yes, no one inn possession of an ATV can allow any one under the age of 16 to operate an ATV.


What do I do if I have an accident and damage property but the owner is not around?


You must provide the name and address of the ATV owner as well as the plate number as well as proof of insurance to the police as soon as possible.


hi i need help about Eligibility Requirements for VA Home Loan Programs


Of course we'd love you to know the VA mortgage loan eligibility requirements for a direct or VA-backed loan.


What should I do if I received a license that is not honorable, misconduct, or dishonorable?


If you received a discharge status?


do not


Unfortunately, no relevant information is found.


What requirements do I need to meet?


Have you sold the house you bought with the previous loan and have you paid the loan in full?


A Qualified Veteran: Does the assignee agree to take on your loan and substitute your claim for the same amount of claim you originally used?


Have you paid your previous loan in full?


We regret to inform you that you may not be able to obtain the benefit since it does not meet all the requirements


Can I use a COE I used before to request a restoration of rights?


fill out a Request for a Certificate of Eligibility VA Form 26 - 1880 and send it to the VA regional loan center for your state .  Download VA Form 26 - 1880Find your state s VA regional loan center


Is there anything explanation about VA home loan programs for surviving spouses? Where or How can I get a COE?


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


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


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


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


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


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


So anything unexpected like accidents and health problems should be taken into consideration?


Yes, that is correct.


Is there an age that is considered the best to start your benefits?


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


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


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


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


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


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


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


information about Fully developed claim for a VA pension


Sure. The Fully Developed Claim FDC program is the fastest way to get your VA pension claim processed


what if i file a claim in the FDC program


we ll remove your claim from the FDC program and process it as a standard claim .


more about the FDC program


please send us all the supporting documents you have and provide information about supporting documents that you don t have .


I see. I'd like to ask another question regarding my claim for FDC program . Are there any other options to send my application besides sending it through the computer?


Yes, you can mail or fax your VA Pension Application.


Are there eligibility conditions for qualifying for VA Pension benefits?


Yes, you must qualify to receive these benefits.


Am I able to complete my VA Form 21P-527EZ form online?


Yes, this application can be completed online.


Can children be on this program as well or is it only for surviving spouses?


Children of deceased veterans with wartime service are able to receive benefits as well.


How could I go about opening a public emissions station?


Do you know what is important when you want to open an inspection station?


Yes, I have been reading up on opening public emissions station.


Do you actually want to apply to have an official public emissions inspection station?


Yes, I really would like to open an inspection station.


Then you may be subject to Public Emissions Inspection State Cap and you should read the information about it before you apply.


I was just thinking about asking when the diesel emissions inspection will take place? I'd like to know where the diesel inspection takes place?


Any diesel inspection station can do this. It happens at the annual safety inspection.


So if I have an expired inspection certificate, what do I do?


Is the vehicle outside the DEMA?


Yes, it is.


You can go to the DMV to apply for a VS-1078 which is a Temporary Waiver. It needs to be displayed on the vehicle next to the original safety certificate.


What about if I want to become an inspection station? What would I need?


You need a DMV approved smokemeter. For more information, you should call 1-518-474-0919.


What are the criteria for if the vehicle needs a OBDII inspection versus the emissions inspection?


If the vehicle weighs less than 8501 pounds, and was made in 1997 or newer, these get the OBDII and not the emissions inspection.


I have checked my email and I do not have my VHIC. Please, help me


Has it been more than 10 days since you took a photo and you have not received your card?


No, just 5.


Do you have any kind of hearing loss?


No, my hearing is fine.


Unfortunately, no relevant information is found.


My VHIC was stolen 2 days ago. What should I do?


Ask for a replacement card at the VA medical center where you had your picture taken. Please, you must to bring your driver's license, passport or other government ID so we can verify your identity before we give you a new card.


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


Yes, I did it.


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


I'd like to ask you another question about VA. Is the VA responsible for these services?


Yes, Other services aren t covered under VA health care benefits .


If I were enrolled in your health care program, for example, I wouldn't have to pay a fee, right?


Correct. If you were covered under the VA health care program in 2018, you won't have to pay the fee when you file your 2018 taxes.


I was wondering if I could get student aid when studying abroad. Can you please give me some advice?


Of course. Whether you plan to study abroad for a semester or get your entire degree outside the United States, you may be able to use federal student aid to pay your expenses.


So even if I study outside the U.S. I can get student aid?


Yes, that's correct.


That's great! What should I do if I plan to get a degree from an international school?


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


Yes, I want to study abroad.


Congratulations. Now let us help you find out which international schools participate in the federal student aid programs and guide you through the process of getting federal aid to make a dent in that tuition bill.


I see. When and how do I repay the loan?


That depends on whether it s a subsidized or unsubsidized loan versus a PLUS loan. Repayment of a loan used to pay for international study works the same way as repayment of a loan used to pay for an American school. Get information about repaying federal student loans.


How can I research schools and their requirements?


First, don't panic. You're on your own, but if you're organized and determined, you'll be okay.


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


do you know what is a CDL driving record summary?


do not


Have you Connected through MyDMV?


Yes


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


do you want to create a MyDMV account?


and if the renewal you ordered has not arrived by mail?


If you recently renewed or ordered yours and have not yet received it in the mail, you will need to wait for it to arrive before you can create a MyDMV account.


ok thanks and could you tell me what is a CDL driving record summary?


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


OK thanks. Could you tell me what this topic is about?


is about DMV Records


Hi, do I need information regarding retirement benefits?


There is a maximum Social Security retirement.


Can you tell me what is the maximum benefit?


I wonder if you can add more credits?


Sure, we also can't pay any retirement benefits until you have 40 credits.


Will benefits be reduced if you start receiving benefits before you reach full retirement age?


Of course, it is also important to know that the benefits are perceived from the age of 62.


What if he reaches that age and continues working?


Each additional year you work adds another year of earnings to your Social Security record.


Perfect, what else can you tell me?


You can further increase your benefits at any time.


Where exactly do I apply?


Apply For Benefits Onliner If you want to apply for retirement benefits , disability benefits , or just Medicare and you meet certain criteria


That does not apply to me


ok that is fine, If you want to apply for retirement benefits , disability benefits , or just Medicare and you meet certain criteria


can I complete it online?


If you want to apply for retirement benefits , disability benefits , or just Medicare and you meet certain criteria you can complete your application online


yes


Oh okay no problem


Does my spouse get benefits?


Even if you never worked under Social Security ,s you may still qualify for benefits if you are the


How can I get benefits


Social Security can provide you , your spouse , and other eligible members of your family with benefits :   [2] when you retire ;     [3] if you become disabled ; [4] and   [5] when you die .


Hi! I'm in a commercial process with a vehicle, I have some doubts about the registration process.


O.k., no problem. Are you looking information about how to change the legal name of the owner of the vehicle?


Yes, that's correct.


In this case you wish to update the name your legal name?


Yes, related to the status of the vehicle.


O.k., great. You'll just need to bring some documents to your local dmv office.


One other thing, about my license. What else should I consider if I'm changing my address?


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


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


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


Can I also change my address by mail?


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


You can help me by telling me how to suspend my student loan payments. I can't pay them at the moment.


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


Can I change my income-driven repayment plan somehow?


Did you have an increase in family size or a decrease in income?


No, nothing of that has changed. Just my expenses.


Unfortunately, no relevant information is found.


Does your website have any information about forbearance?


I need to know if it owns it if not to look for that information elsewhere. Why will that interest be compounded?


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


Yes, you can learn more about deferment and forbearance on our website.


another question for you regarding  IDR plan . What if I recently had a decrease in income?


In that case you can apply to have your current IDR plan recalculated. You don't have to wait until your annual recertification is due.


Well, that's good to know. Can I get some temporary relief, too?


Of course. A deferment or forbearance allows you to temporarily stop making your federal student loan payments or temporarily reduce your monthly payment amount. This may help you avoid default.


how do i pay for addtional tests?


you can pay additional tests online or by phone.


doesnt apply


to pay. does this apply to you?


no


have a valid learner permit?


how to reschedule an appointment


you must cancel your appointment before you can search for a new date. you can not have more than one appointment at a time


what do i need for additional tests?


have a valid learner permit or driver license


do i need a dmv id number?


provide your dmv id number from your learner permit client ID number


what happens if i fail a test


you can schedule another road test


do i need a new learner permit?


see get a learner permit.


I want to become a driving school instructor and need to know what tests are involved in the process.


First, you will need to pass a vision test similar to the one you need to complete in order to qualify or renew your driver license. This can be conducted at the DMV or you can have your eye doctor/physician conduct the test for you and have him/her complete the Vision Test Report.


Are you aware of what will happen if you do not pass all the required tests?


Yes, I know.


Okay. In addition to submitting a new application, you will be charged a $10 fee.


What is required to become a driving school instructor?


You must have a New York driver license that has been valid for at least 2 years in the class of vehicle that you intend to teach in. You must also have an acceptable driving record and your license cannot be suspended or revoked in the last 2 years.


What is the name of the form that my eye doctor needs to fill out for the vision test?


It's called the Vision Test Report form MV-619.


Does my license have to be valid for 2 years since completing the application or after I get my instructor license?


Your license must be valid for at least 2 years after you complete the application.


What if I have a driver license that was issued in another state?


When you complete your application, you will need to include a certified copy of your driving record from the state agency that issued your driver license.


What is a driving school instructor expected to do?


Once you become a certified driving school instructor, you will be teaching individuals how to drive a vehicle at a licensed driving school.


I need eligibility help


Okay, you will need to continue to meet the basic eligibility criteria, make satisfactory academic progress, and fill out the FAFSA form every year.


but what does it mean when they say I need to make academic progress?


It means you have to make good enough grades, and complete enough classes to keep moving toward successfully completing your degree


Do you know the academic progress policy for financial aid purposes your school has?


nope, that is why I asked


and I need to do the FAFSA each year?


Have you filled out the FAFSA form?


not yet


do I just have to stay eligible once and I'm good for my school duration?


Eligibility applies throughout the time you are receiving aid, and not just when you first fill out the FAFSA form and are awarded aid.


What is  VA disability compensation?


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


WOuld you like more information?


yes please


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


I'd like to know more about VA Blue Button and how it can assist me in managing my health care. Can you tell me something else?


With this tool ,s [10] you can better manage your health needs and communicate with your health care team .[11] With VA Blue Button , [12] you can :   [13] Download a customized Blue Button report with information from your VA medical records , personal health record , and in some cases your military service record


Can you please tell me on what will be the procedures when I file a VA disability compensation and what to expect after I file a claim?


After you file your claimFind out what happens after you file for VA disability compensation , how long it takes us to make a decision , and what to do if you disagree


By the way, for VA disability insurance eligibility. What medical conditions are protected by the policy if I am eligible for disability benefits?


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.


There is something else about VA disability compensation, where do you get more information and resources?


About VA disability ratingsLearn how we assign disability ratings and effective dates , and what to do after you get your rating


Do you need more resources?


no thanks


How to manage my retirement benefits


Successfully filing for retirement benefits isn t the end of your Social Security journey . We have resources to save you time on important retirement tasks and keep you in control of your Social Security account benefits through a free my Social Security account


If I need help with managing your benefits and can not find the answer or service above


visit our contact us page for other ways to get support


inform me of changes


change happens in your life?


not


what are the common changes?


Getting married or divorced


I want to understand my benefits


Effectively managing your retirement benefits is an ongoing part of retired life . A solid foundation for this includes understanding what you re entitled to , staying up to date on program changes , and making sure we have your current information


what other things are there to consider when planning for SS retirement?


Consider what the best age is to start your benefits


What is the best age?


Are you at full retirement age?


After you reach full retirement age, we recalculate your benefit amount to give you credit for any months in which you did not receive a benefit because of your earnings .


Could you give me some info? What if my widower gets more Social Security benefits than my ex-husband?


In this case, he would receive a combination of benefits that equal the amount.


I see what you mean. I'd like to raise a question for Other Things to Think About. I apologize for asking what the best age is.


There is no one best age for everyone , Decisions about when to apply for benefits is based on your individual and family circumstances .


I have another question about Social Security benefits that I'd like to ask. What happens if I remarry before you turn 60, or 50 if you're disabled?


You cannot receive benefits as a surviving spouse while you are married.


About things to consider, how can I find out about my best individual options that I can have?


You need to make these decisions on your own as applies to your circumstances.


What about my earnings ?


When earnings appear on your record we check whether your monthly benefit with increase


I come from a long lived family how will this affect me?


You many need the extra money more in the later years.


What is the cost of a personalized plate for a passenger vehicle?


The plate for a passenger vehicle has an initial cost of $60 plus an annual fee of $31.25 in addition to your regular vehicle registration fee.


You do need plates for a regular passenger vehicle, correct?  It is not considered a commercial vehicle?


My vehicle is a regular passenger vehicle just used as a retirement vehicle for shopping, errands and vacation, but I would like to have a personalized plate for it.


Yes, then as stated previously, your cost would initially be $60 plus the annual fee of $31.25 in addition to your regular vehicle registration fee.


What is the maximum amount of characters I can use if I want one of he picture plates?


For the picture plates, the maximum characters usable is six.


Can my personalized plate be all numbers?


Combinations that do not have one letter are considered a restricted combination and will not be approved.


What are the different categories of picture plates?


Picture plate categories are; I Love NY Adventure, Sports, Military and Veterans, Counties and Regions of NY State, Colleges, Fraternities, Sororities, Causes, Professions, Organization, and Motorcycle Plates.


How often is the renewal on the personalized plates?


A registration renewal is for two years and will include two annual fees in addition to your vehicle registration renewal fee and will be paid when you renew your registration.


what can you tell me about new applicants for income-based student loan repayment


Don't currently have an income-based plan and want to apply?


not


Unfortunately, no relevant information is found.


Who should complete this?


Borrowers currently on an IDR Plan who need to re - certify or make changes to their repayment plan


may I Submit annual re-certification of my income


yes, LOG IN TO START


What is Income-Driven Repayment?


Pay As You Earn Repayment Plan PAYE


If I income or family size has changed


you can request that your income - driven payment be re - calculated to reduce your current monthly payment .


hi. show me information about VEAP


You may be able to continue your education by using part of your military pay to help cover the cost of school .


How do I get VEAP benefits?


Make sure we've approved your selected program


I think I was not approved


what are the requirements to be eligible


Entered service for the first time between January 1 , 1977 , and June 30 , 1985


no


so you can't qualify, because you need to meet all the requirements


If you used REAP benefits on or before November 24, 2015, you might be eligible to claim.


You can keep using your REAP benefits until November 25 , 2019


Another question: if I join the cooperative training program, what benefits will I have? What happens if the program is in a private or foreign IHL?


If the program is in a private or foreign IHL, we pay the lesser of the national maximum or the actual costs of tuition and fees within the state. We also pay part of the cost of housing and books.


I would like to know what are the employment or volunteer services that qualify for the cancellation of the Perkins loan


Do you want to opt for a Perkins loan?


if I want to choose


you work as a provider of early childhood education?


not related to that


Are you an employee of a children's or family services agency?


no neither


Are you a faculty member at a tribal college or university?


Yeah that's right


in this case if you may be eligible for a Perkins loan


What actions would they take if they decide that I am completely or permanently impaired based on the SSA's reports or a doctor's certification ?


The first thing is to notify you that your loans or TEACH Grant service obligation have been canceled;


I have loans from the same school as well as loans from various programs. My school closed before I could complete all of the programs. In a situation like this, will I be eligible for a discharge of my federal student loan?


In a case like yours only loans you received for a program that you were unable to complete because of the school's closure are eligible for discharge.


why should I go to school?


A college education = more money, more job options, and more freedom.


Would you like to look at a chart that shows how you make more money as you get more education?


yeah


I will give you the link to the chart


also, I need to find out which school I am going to choose, can I take a virtual tour? or should I go to campus?


Yes, sure. Lots of schools offer virtual tours on their websites. You can see their campus and know more about the school without visiting in person.


Do you have any resources on where I can show my parents regarding the information of different schools so they can have a guide on the things they need to consider in planning for my College education?


They can look at our resources for parents to learn more about saving early , finding tax breaks , and understanding parent loans to help support a child's college journey.


any more resources for the parents?


Yes we can give you more resources for the parents


what else do I need to do to prepare for school?


Our checklists will walk you through the steps you can take to find and get into the college that’s right for you and help you learn how to prepare financially.


how early should I start preparing?


Whether you are in high school, in elementary or middle school, out of school, or perhaps never finished school, there are a number of steps you can take to prepare now.


how long are payments extended on the extended repayment plan?


Payments are made for up to 25 years.


so it's more time and the payments are lower?


The Extended Repayment Plan may be right for you if you want lower monthly payments.


can you show me what payments will look like so I get what I need?


Your loan servicer can help you choose a loan repayment plan that’s right for you.


May I also ask  about the Graduated Repayment Plan. That sounds good to me. But is this apply to federal loans as well?


Yes, that's for the william d ford federal direct loan program.


And all the loans programs can be consolidated?


Yes, every program can be consolidated.


There are any subsidized loans?


Yes, there are, the kind of direct one.


I went on your online site regarding retirement benefits but the page keeps asking me to sign-in.


There is a timer on those pages for security reasons.


Why is that?


As it stands, you will receive a warning after 25 minutes without doing anything and you will be able to extend your time on the page.


I'm reminded of Social Security Credits by this. And how many credits do I need to qualify for disability?


If you were born after 1928 , you need 40 credits to qualify for retirement. Number Of Credits Needed For Disability Benefits. To be eligible for disability benefits , you must meet a recent work test and a duration work test.


Yes, I fulfill all conditions.


Then you must meet a recent work test and a duration work test.


What if I earn more credits than I need?


These extra credits do not increase your benefit amount. The average of your earnings over your working years counts, not the total number of credits you earn.


How many credits do I need for retirement benefits?


Were you born after 1928?


No, I was born in 1927.


I need help with Driver REsponbility.


What specifically?


I have a DUI.


Ok, you'll be required to taken eligibility test every year for th next 3 years.


Is that the DDP?


Yes, it is.


Can I get a temporary or probationary ability to drive if I'm enrolled?


perhaps. It depends on your court order.


How much will this cost?


There is a chart for that which should have been given to you when you got convicted. If you don't have it, please reference our website.


What website?


(insert website here)


Thank you; do I need to have that documentation on hand when I go to a branch?


Yes, it will expedite the process massively.


Good morning, i'm just looking to know how i do to register a moped, please.


Ok,That would refer to a limited use motorcycle, did you know that?


No , i think i didn't know that fully.


Are you aware of the special requirements to operate a moped in NY?


No, i'm not. That's why i'm looking for info in general.


In any case, please. What i need to bring to DMV for register a moped?


Ok, for that, you'll need to check first the DMV Document Guide. In that way, you'll make sure to not miss any document.


Could you at least give me a summary of what i need to bring with me?


Sure. Most important item would be a completed form MV-82 Registration /title Application.


Would you like to get a faster service, in any case?


Yes, i would love that, it is possible?


Sure. All you have to do is to make a reservation online before you go to DMV offices in NYC, Westchester, Nassau, Suffolk, Rockland, Onondaga, Monroe or Albany Counties.


How do  I access 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 .  You can use some services even if you re not enrolled in VA health care .


IS there support outside of Va?


I will be glad to help you with that. For support  visit the Military OneSource website or call 800 - 342 - 9647 anytime , day or night .


Unfortunately, no relevant information is found.


What is the hotline number for SAMHSA?


No problem. Call 1800 - 662-HELP 800 - 662 - 4357.


That's fantastic. I'd like to know more on what types of assistance can I get in VA after I served in the military?


We have specially trained coordinator to prevent suicide, also he bring advice to the veterans and their families about the reajust to life at home after return from a combat zone, and also, we bring help to get access to benefits for disability payments, job training, home loans and more.


That's great. It's a very complete help. There are is also help for the relatives, right?


Yes, through the coaching into care site, we bring tips for spouses, parents and family member to help the veterans.


In case is needed, is possible to speak with any coach in person?


If you need it, you can call us to the 888-83-7458 monday through friday from 8:00 a.m. to 8:00 p.m. ET, to talk directly with a coach for veterans.


I need help with benefits.


What would you like to know about the Government Pension Offset?


What is a GPO?


Do you have pension for work not covered by Social Security?


Yes, I do.


Then Social Security benefits from your spouse's record may need to be reduced.


Is there a number I can call for assistance?


-Yes we have representatives available at 1-800-772-1213.


Can I get a better estimate on how my benefit will change?


Go to Calculate Your Benefits and enter the amounts for a more accurate estimate.


What if I retire early?


Your benefit amount will be reduced based on date of birth.


Hello, i want to open an inspection station.


Sure, but first you must know that Opus is the current vendor providing the equipemnt to New York inspection stations.


Do you know how to sign the station agreement? That is necessary to open an inspection station


Yes, visiting the nyvip website


Unfortunately, no relevant information is found.


But i actually don't know how to sign it, only that it is on the website, could you help me please?


Oh, sure, you can find these signs in various sign shops and automotive supply stores.


I would like to know what I need to have or buy to become a Diesel Emissions Inspection Station?


You would need to purchase a smokemeter that is approved by the DMV.


Then I could perform inspections?


As long as you are licensed for that specific type of vehicle.


Do I need to submit proof that I bought the smokemeter?


Yes, you would mail in a copy of your paid invoice.


My emissions certificate expired. What do I need to do?


Do you have an existing certificate on the vehicle?


Yes, and it is expired.


My vehicle is over 8,500 pounds. Do I need to have it inspected annually?


No, but please note that you may be subject to a random insection at any time.


What would happen if my obligation to repay my loans or satisfy my TEACH grant obligation is reinstated?


You would again be responsible to repay your loans with the terms of your promissory note that you signed.


Did you apply for a discharge of loans?


Yes, I applied for a discharge.


Your status of your loans would go back to the status they were before you applied for the discharge.


What if I am a veteran that proved I am totally and permanently disabled?


You would be considered to have received the discharge for a federal tax purposes on the date the discharge was approved.


Do I need to resume repayment on my previously discharged loans?


Yes, you must resume repayment of your previously discharged loans or acknowledge that you are once again responsible to meet the terms and conditions of your TEACH grant service obligation.


I received a TPD discharge but would like to go back to school, could I get more student loans or TEACH Grants?


Actually you would be able to but some conditions would need to be met.


What if I received a TPD discharge based on VA documentation?


You would have to give your school a letter from a physician stating you are able to engage in gainful activity, sign a statement that you can't get another TPD discharge.


has information about the VR&E Track


Are you a service member or veteran with a service related disability?


do not


Unfortunately, no relevant information is found.


Can I get help starting my own business through VR&E Self-Employment?


You may be eligible for these benefits if you become a service member or veteran with a service - connected disability.


Well, actually that's what I was hoping. I wanted to start my own business, a small store back in my hometown and hoped that the VR&E Self-Employment track could help. Can you somehow support me?


Yes, you may be eligible for these benefits if you're a service member or Veteran with a service-connected disability, and you meet all of the requirements.


What is the procedure after applying for VR&E benefits?


If you are able to get the benefit you are seeking, you will work with a Vocational Rehabilitation Counselor.


Can I get help starting my own business through the VR&E self-employment program? What requirements must I meet to qualify?


Do you have a job or disability barrier?


Yes


Are you enrolled in VR&E?


Does your service-related disability make it difficult for you to prepare for, obtain, and maintain suitable employment, a job that does not worsen your disability, is stable, and matches your skills, abilities, and interests?


since you meet all the requirements you can get the benefit


Can I get More information and resources


Subsistence allowance ratesView the current subsistence allowance rates to find out the amount we 'll provide to help you pay for basic needs like food and clothing if you 're an eligible Veteran participating in the Voc Rehab program .


ar eyou looking for information on gi benefits?


no


where do I Get career and employment assistance


Our programs can help you learn new skills , find a new job , start a new business , get educational counseling , or return to your former job


Do you offer information on  Careers and employment


yes. On this page, Get career and employment assistances Manage your careers  More information and resources


what if i have a service connected disability?


It seems to me sincerely unfair. Do I have to be a veteran to qualify for VR&E benefits?


Yes, you must be a veteran to qualify.


find out if you 're eligible for vocational rehab


perfect to investigate if I am eligible but now I have another question How to get help if I am homeless or at risk of homelessness?


We offer many programs and services that may help including free health care and , in some cases , free limited dental care


Hello I need information about How much does it cost to use an accredited representative or a VSO?


In general, no person or organization can charge you a fee to help you file your initial application for benefits. But they may charge you for unusual expenses.


do you think a claims agent or attorney charged you a fee that is too high?


do not


Unfortunately, no relevant information is found.


How do I find an accredited representative or a VSO?


You can find an accredited representative or a VSO in 1 to 2 ways:  Go to eBenefits to find a local representative that includes a recognized VSO, attorney, or claims agent by state / territory, zip code, or organization name.


What are VSOs and what do they do?


VSOs work on behalf of veterans and service members, as well as their dependents and survivors


and what else can these professionals do?


These trained professionals can also: Help gather supporting documents, such as a doctor's report or medical test results.   file a claim or appeal on your behalf


ok and how can I do if I want to make an appeal but I can't be present?


These trained professionals can file a claim or appeal on your behalf


Who receives public service loan forgiveness?


Are you an employee of the US federal, state, local, or tribla government or not-for-profit organizaton..


No, I am not employed by the US federal, state, local or tribal government.


What loans are eligible?


Any loan received under the William D. Ford Federal Direct Loan Direct Loan Program would qualify for PSLF.


What would be the qualifying repayment plans available?


Such qualifying repayment plans include all the income-driven repayment plans that use your income to figure out your payment.


If my payments under the 10-year Standard Repayment Plan are qualifying payments is there anything else I could do to benefit?


You would need to change to an income driven repayment plan to benefit from PSLF because your loans will be paid in full once you have made 120 qualifying PSLF payments and there will be no balance to forgive.


Who would I contact for more questions?


do you have more questions?


No, not at this time.


I want to get an ID that doesn't say I'm under 21


are you turning 21 soon?


no


Did you want to know when you get your new ID?


Did you need to know about changing or verifying an address?


Did you ask that your ID be sent to an address other than the one on the document?


Do you need help replacing your ID from overseas?


yes


are you overseas and you want to replace your non-drivers ID card?


You will need to complete a Application for Permit, Driver License or Non-Driver ID Card and mail it in.


How do I access VA nursing home services?


you may be able to access the service if you meet all the requirements


What requirements must be met?


Did you sign up for VA medical care?


if I'm signed up for VA medical care


Have we concluded that you need a specific service to help you with your continuous treatment and personal care?


No, they have not concluded that I need a specific service to help me with my ongoing treatment


sorry but you are not eligible for benefits


What can the care settings include?


may include Nursing Homes, Assisted Living Centers


What can I pay for the services, if they are not covered?


You can pay through Medicaid, Medicare, or your own private insurance.


Can you explain PTSD to me?


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.


Can I get disability benefits from the VA for posttraumatic stress disorder?


You may be able to get disability benefits if you have symptoms related to a traumatic event the stressor or your experience with the stressor is related to the PTSD symptoms, and if the stressor happened during your service, can't function as well as you once did because of your symptoms, and a doctor has given you the diagnosis.


I feel I have PTSD, but not from a time related to the time I was serving.


If your stressor occurred outside of your service time, you do not meet all of the requirements to receive benefits from the VA.


I cannot function as well as I used to as a result of a major stressor due to a very negative life event.  Can I get benefits from the VA?


You must meet each and every one of the requirements to qualify for payments.


If I am a veteran in crisis, where can I get support?


You can use the Veterans' Crisis Line which you can dial to speak to someone or there is a text number you can use to chat.  There is also a TTY number if that is a need.  You can also either dial 911 or go the nearest emergency room or VA medical center.


What does the VA consider to be a traumatic event?


A serious injury, personal or sexual trauma, or sexual violation, or you were threatened with injury, sexual assault, or death.


I would like to know why secondary schools are missing


Does your high school not appear in these data files?


is correct does not appear


There are usually two main reasons why you may not see your school listed.


Good to know! Another question related to Student Aid the government provides, which one is most complete website you have to this kind of information?


The best choose would be studentaid.gov, it has the most complete information in-depth on federal student aid programs, how to apply and the repay of the loans.


I'll have to create a whole post for the information right?


Not really. You can do that or you can link your site to ours through banners directly to the information you want to share, this will save you time and effort.


Do you  know how to use this kind of banners?


Yes, I kinda do. It should be not hard to do.


Sure it is. It's very easy, you just need to highlight the html text, copy it and paste it into the html document of your page along with a image.


This applies for any kind of banner?


Yes, the variants will depends on your operative system, choose browser and others factors.


hi could you help me update my FAFSA application


Of course, we can help you learn what types of corrections and updates you can do and how to do them.


ok and what kind of changes can I make to my FAFSA form once it has been processed?


did you make a mistake on the form?


no


did you fill out a FAFSA using an incorrect social security number (SSN)?


Has your situation changed?


do you want to add or remove a school?


neither. anyway thanks for the help


Unfortunately, no relevant information is found.


What is the difference between a dependent and an independent student when applying for federal student aid?


Read the definitions, find out who has to provide parent information on the FAFSA form, and learn what to do if you aren't in contact with your parents.


Btw, when it comes to the documents. When filling out the FAFSA form, what kind of financial information is required?


The form will look for information on cash at hand, any savings and checking accounts that you may have. Information will also be sought on stocks and bonds. You will be asked about real estate, but excepting the home in which you live. Any business and farm assets will be sought from you and your parents if you are a dependent student


hello could you help me to choose the MPN of direct loan that I want to obtain


are you an undergraduate student?


a graduate / professional student?


father of a college student?


yes


Use this MPN for direct PLUS loans available to eligible parents of eligible dependent undergraduate students.


okay. and could you tell me what a Master Note is?


The Master Promissory Note MPN is a legal document that promises to pay your loan and accrued interest and fees to the U.S. Department of Education.


and is this document legal?


Of course The Master Promissory Note MPN is a legal document


I would like to enter the tutorial assistance


are you using VA educational assistance and struggling with the courses?


I am not using VA educational assistance


how much is the maximum they can pay?


We will not pay more than $ 100 per month for tutoring, and we will not pay more than $ 1,200 in total.


can you pay a guardian?


if we can help you pay a tutor.


What are the requirements that I must meet?


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


not


Can't get this benefit sorry


I'm a vet in need of employment help


Are you a Veteran with a service-connected disability that impacts your work?


Yes I am disabled


The Vocational Rehabilitation and Employment program, also called Voc Rehab, VR&E, or Chapter 31 benefits, may be able to help you. We offer different  support-and-services tracks to help you find and keep a job. We can help you look at the options for the different tracks and help you apply for benefits and services.


can you help me with the job I had before I had problems?


We might be able to help, you may have the right to return to the civilian job you held before you deployed


how many ways of helping me do you have?


We offer 5 support tracks to help you find and keep a job


can you just find me something that fits my military work I did?


Yes, the Rapid Access to Employment track can help you with a job that matches your existing skills


do you have one where I use my skills to go into business for myself?


We have a Self-Employment track where we can help you start your own business


they all sound like they are for me, does the voc rehab offer vocational classes?


Yes, we have a Long-Term Services track that could help you with vocational training to help you develop new job skills if you are eligible


can you show me how much of a Perkins loan we can get canceled if we fit a criteria


Did you want to look at a Perkins loan cancellation chart?


Yes I will look at it later but I have more questions?


Did you have any other questions on the chart before we move on?


will it tell us the cancellation rates?


Yes, it will show rates and note when they are different


who do we contact to look into a loan deferment?


Contact your college or your college’s Perkins Loan servicer for information on applying for deferment.


can I apply for a cancellation anywhere they do business?


The application for the cancellation of a Perkins Loan must be made to the school that made the loan or to the school’s Perkins Loan servicer.


so they will know what to do?


Yes, the school or its servicer can provide forms and instructions specific to your type of cancellation.


Greetings, now is it going there?. Hope great, really. Can you give me some light about a driving school setting?


Sure. If you're interested into opening a driving school, you must know that is necessary to get a DMV's approval for the use of its name in your school.


Oh right, that makes sense. You know, i'm meaning to teach pre-licensing. Are there any measures i should take?


Good. If you're planning to do that, then you must have adequate facilities and an experienced instructor that holds a valid instructor's card, with at least 1,000 hours of experience. In any case, you must request a premises check.


O. k, so, i submit this and then, what?


Your request is sent to your local DMV office and you'll be scheduled for an inspection.


And then, can i apply? How?


Do you mean after you receive approval for your business name?


Yeah, that exactly. What happens there?


If you get the approval, you must then submit a Form MV-299.3 or Request for Approval of Driving School where you got your name's approval, along with a completed Form MV-521 or Driving School License Application.


I see, it seems pretty easy. What about if i have some other questions?


Then please make use of the tool free 1.518-473-7174


Good evening. I have some questions linked to agent orange exposure.


Of course. As you might already know, the U.S. military used Agent Orange to clear plants and trees during the Vietnam War.


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


No. I have served my country, God bless America, but I haven't been in Vietnam or Korea.


Unfortunately, no relevant information is found.


What do I need to file my claim?


To file a claim, you'll need to submit a medical record that shows that you have a current disability and that there's a connection between Agent Orange exposure and your current disability.


I see. But tell me, what if I have an illness that is connected to Agent Orange?


In that case, you won't need to show that the problem started during or got worse because of your military service. This is because we believe that certain illnesses are the result of exposure to herbicides. We refer to these as presumptive diseases.


And who's covered for that?


Both Veterans and qualified dependents are covered.


Well, makes sense. What conditions do I need to fulfill to get disability benefits from VA?


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


No, none that I know of.


Then you may be able to get disability benefits if the below descriptions are true for you.


VR&E Independent Living track


If your service - connected disability limits your ability to perform activities of daily living like bathing , dressing , accessing the community , and interacting with others and you can t return to work right away


if my disability does not allow me to complete many daily activities.


ok i wait for the information


you may qualify for independent living services through the Vocational Rehabilitation and Employment VR&E Independent Living track .


What kind of benefits can I get?


services may include: to identify your needs and goals and Evaluation and counseling


how do i know if i'm eligible


If you re eligible, a VRC will work with you to determine the severity of your service - connected disability , if you re ready to work , and if you ll benefit from independent living services .


Can I get independent living services through VR&E?


You have a serious employment handicap SEH


no i don't have serious employment handicap


SORRY. You may be eligible for independent living services if you re a service member or Veteran with a service - connected disability who is eligible for VR&E benefits , and you meet all of the requirements


hi. please show me information about The Program of Comprehensive Assistance for Family Caregivers


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


no


how can you help me


Find out if you qualify for the Program of Comprehensive Assistance for Family Caregivers and how to apply


Can I get benefits through the Program of Comprehensive Assistance for Family Caregivers?


The Veteran you re caring for : Has 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, before 2001


so you can't qualify, because you need to meet all the requirements


You ll qualify for this program based on your Veteran s qualifications


We re working to give more family caregivers access to this program


Please check our MISSION Act website for ongoing updates


I need some info about the graduated repayment plan


Sure. In this plan, payments are made for up to 10 years between 10 and 30 years for consolidation loans.


What if my income is very low now?


Don't worry, this plan is good for you


I have another concern about the eligibility of loans. What loans aren't covered by the Income-Sensitive Repayment Plan?


A William D. Ford Federal Direct Loan is not eligible for the repayment plan.


What about Subsidized Federal Stafford Loans?


Yes these loans are also eligible.


What other loans are eligible for this program?


FFEL Consolidation Loans are also eligible for the Income-Sensitive Repayment Plan.


Please tell me how to request a board appeal. I don't quite understand the process.


Would you like to request a board appeal?


Yes, I do.


Then you can request a Board Appeal after an initial claim, supplemental claim, or higher-level review decision. You can't request two Board Appeals in a row.


What if I'm one of multiple persons claiming the same benefit?


In this rare case, you have 60 days.


That's good to know. So what should I do after a board decision?


Do you disagree with the Board's decision and have new and relevant evidence that supports your case?


Yes, you could say that.


Then you can file a Supplemental Claim. You can also appeal to the U.S. Court of Appeals for Veterans Claims.


I figured that. Can I submit new evidence then?


Yes, you have the option to add new evidence for a judge to review. You'll have to submit this evidence within 90 days from the date VA receives your Board Appeal form.


What if I want another hearing?


You have the option to request a hearing with a judge. A video conference hearing will take place at a VA location near you.


Hey, I have some questions.


Of course. Do you need help understanding how to change your address and telephone number online then?


Actually, yeah. Can you read my mind or what?


In that case, please call our toll-free number at 1-800-772-1213 or visit your Social Security office and they will walk you through this.


I see, do you also have a number for people who are hard of hearing? I have a hard time understanding people on the phone.


No problem. Just call our toll-free TTY number, 1-800-325-0778, between 7 a.m. and 7 p.m. Monday through Friday.


Oh, so that's a special hotline for people hard of hearing?


Yes, that is correct.


Perfect, perfect. What about that online account thing? Is it free of charge?


Yes, creating a my Social Security account is free of charge, takes less than 10 minutes, lets you change and update your information and gives you access to many other online services.


Oh, so I can change my address online?


Yes, you can.


Where can I see my current address then?


You can easily check your address we have on record via the My Profile Tab on my Social Security.


I need further information in relation to the Free Application for Federal Student Aid (FAFSA). What can I do?


When you submit your Federal Student Aid application, you will receive more in-depth information about the FAFSA form and what to expect


Are there any trending topics available in regard to FAFSA?


Are you applying for a summer session through FAFSA?


No, I'm not in that category


Do you remember your FSA ID username and password or have you forgotten these?


I don't remember either my username or my password, can you help me with this?


Is there anywhere that I can find answers to common questions that FAFSA filers have?


On our website, you will find further information regarding filing for FAFSA, where you will find answers to the majority of your queries


What is exactly contained within the Trending topics section of the FAFSA website?


Is there a help section applicable to parents who will be working on FAFSA forms?


Yes, there is a section on the website that is dedicated solely for parents and any questions or queries they might have in relation to the process


What do I need to bring to the DMV office to change name on title after lease buyout?


You would need to bring a completed Vehicle Registration application.


Do you have other kinds of proof?


No, I do not need to bring other proof I have the completed Vehicle Registration.


What proof of payment do I need to show for the sales tax paid?


You would need an FS-6 T receipt issued by the DMV, or obtain a Claim for Sales Tax Exemption from the leasing company and a bill of sale; or a Dealer Retail Certificate of sale MV-50 completed by the dealer located in New York state.


What needs to be on the title?


It would have to have the buyer and seller information and odometer and damage disclosure statements for all vehicles that are 10 years old or newer.


Can dealers find information about filing or removing a lien?


You would need to see Remove or add a lienholder from a title.


Is there particular information I need to show proof of ownership?


You would need the New York State title and the title must have completed buyer and seller information from the leasing company and the buyer must provide their signatures, dates of transfer, and addresses.


I'm looking for information about my veteran payments, about my transaction history, please.


You can find that information via online.


You must have a eBenefits account, because you're a veteran. have you signed in lately?


Yeah, i went there but don't know how to locate that.


So you never has been able to see this feature?