user: What is the difference between a federal student loan and a private loan?[NEWLINE]agent: Are you currently seeking a loan to help you with college expenses?[NEWLINE]user: Yes, I am about to apply soon and need to get more information beforehand[NEWLINE]agent: You should consider federal loans in the first instance[NEWLINE][BOUNDARY][NEWLINE]user: What is the process involved for me to get a federal student loan?[NEWLINE]agent: Have you considered this federal loan for long or do you know all of the features that are involved?[NEWLINE]user: Yes, I am strongly considering taking out a federal student loan[NEWLINE]agent: The process begins with you completing a Free Application for Federal Student Aid FAFSA form. There is more information held on our website to help you through this[NEWLINE][BOUNDARY][NEWLINE]user: Okay, that's it. I'd like to hear about federal student loans as well. The number is determined by your current status.[NEWLINE]agent: Of course if you are, an undergraduate, a graduate or professional student, or a parent[NEWLINE]user: Importantly, you can borrow less than what you offer and you can borrow more loan funds later if needed.


user: Hi, I would like to know if you may be eligible for the cancellation of your federal student loans based on a false certification.[NEWLINE]agent: Well you need to learn more about fake certification approval to see if you can qualify.[NEWLINE][BOUNDARY][NEWLINE]user: Can I choose which part or all of my primary PLUS loan could be canceled?[NEWLINE]agent: Did your school falsely certify your student ability to benefit from your training?[NEWLINE]user: no not yet[NEWLINE]agent: Did you have disqualification status at the time the school certified your eligibility for the Parent PLUS Loan?[NEWLINE]user: no neither[NEWLINE]agent: Did your school sign your name on the promissory note or other loan documents without your authorization?[NEWLINE]user: yes that yes it did[NEWLINE]agent: in this case your may be eligible for the PLUS loan[NEWLINE][BOUNDARY][NEWLINE]user: When you meet the eligibility requirements for a discharge, will the remaining balance of your loan be canceled?


user: Hi, I have a Federal Family Education Loan and have heard that I might be eligible for a discharge of my loan. Is this right?[NEWLINE]agent: Yes this is correct you might be eligible if your college made a falsely certified your eligibility to receive a loan.[NEWLINE][BOUNDARY][NEWLINE]user: If my college made this false certification how do I apply for a loan discharge?[NEWLINE]agent: There is a loan discharge application that you will have to complete.[NEWLINE][BOUNDARY][NEWLINE]user: What if I enrolled in Program A but later decided not to continue and transferred to Program B?[NEWLINE]agent: In that case as you were unable to complete Program B because the school close only the loans you received for Program B may be discharged.[NEWLINE][BOUNDARY][NEWLINE]user: If my school closes which loans are eligible for discharge?[NEWLINE]agent: Do you have a William D. Ford Federal Direct Loan, a Federal Family Education Loan (FFEL) or a Federal Perkins Loan?[NEWLINE]user: Yes I have one of those loans.[NEWLINE]agent: In that case you may be eligible for a 100 percent discharge of your loan if your school closes.[NEWLINE][BOUNDARY][NEWLINE]user: My school closes and I need a copy of my academic transcript. Where can I get this?


user: I would like to know why secondary schools are missing[NEWLINE]agent: Does your high school not appear in these data files?[NEWLINE]user: is correct does not appear[NEWLINE]agent: There are usually two main reasons why you may not see your school listed.[NEWLINE][BOUNDARY][NEWLINE]user: 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?[NEWLINE]agent: 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.[NEWLINE][BOUNDARY][NEWLINE]user: I'll have to create a whole post for the information right?[NEWLINE]agent: 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.[NEWLINE]agent: Do you  know how to use this kind of banners?[NEWLINE]user: Yes, I kinda do. It should be not hard to do.[NEWLINE]agent: 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.[NEWLINE][BOUNDARY][NEWLINE]user: This applies for any kind of banner?


user: why are the FAFSA completion totals lower than they should be?[NEWLINE]agent: Would you like to know why the number of FAFSA submissions or completions is lower than you think it should be?[NEWLINE]user: no[NEWLINE][BOUNDARY][NEWLINE]agent: Are you a high school counselor or college access professional and want to know what resources we have to help increase FAFSA completion totals?[NEWLINE]user: yes that will help[NEWLINE]agent: The Federal Student Aid's Financial Aid Toolkit contains federal student aid information and outreach tools for counselors, college access professionals, nonprofit mentors, and others[NEWLINE][BOUNDARY][NEWLINE]user: I'm curious about Program Reviews as well. Is there any other information?[NEWLINE]agent: that's about it[NEWLINE]user: what happens after you complete a program review?[NEWLINE]agent: Federal Student Aid will issue a Final Program Review Determination, which is a report that includes each finding identified in the program review report, the school's response, and the Department’s final determination.[NEWLINE]user: How can we see some of the reviews?


user: Good morning. I'm trying to submit some FAFSA related information, and find out that I have to submit my parent's information too but, what if I can't do that because mayor causes?[NEWLINE]agent: I assume you're a dependent student?[NEWLINE]user: That's correct. I have this dependent status. What can I do then?[NEWLINE]agent: O.k, lets do some check ups first. Are both of your parents in jail?[NEWLINE]user: Oh, well, in fact, they are. It's kind of  shame for me.[NEWLINE]agent: Well, don't worry. That's a special circumstance, so you can submit your FAFSA form without having to submit your parent information.[NEWLINE][BOUNDARY][NEWLINE]user: OH, that really is a relief. That information is kind of mandatory for real or foster parents?[NEWLINE]agent: It is. Whereas you have your real parents or you being adopted, that information is required. But, as said before, there are special circumstances that avoid entirely this requirement.[NEWLINE][BOUNDARY][NEWLINE]user: Also, I need to find out Order of schools on your list. Can I change my choice of schools that I proposed on my FAFSA form?[NEWLINE]agent: You will find all the information you need on the website section https://sctuitiongrants.org/faq/[NEWLINE]user: Are there any implications for changing my list of school choices on my FAFSA form when applying for Grant aid awards?


user: If I have a stepfather, do I have to give that information to the FAFSA?[NEWLINE]agent: your stepfather is married to your legal father?[NEWLINE]user: no not married to my legal father[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: And in case if you were you should give that information?[NEWLINE]agent: whether you will need to provide information about your legal father on the application. since a legal father is your biological or adoptive father, or your legal father as determined by the state, for example, if the father appears on your birth certificate. in these cases you must provide the information[NEWLINE][BOUNDARY][NEWLINE]user: Can you tell me what the COA is, please?[NEWLINE]agent: Sure, it's the amount it will cost you to go to school.[NEWLINE][BOUNDARY][NEWLINE]user: Sure. Now I have to inquire about the legal parent. If my legal father was never married, who is my father according to FAFSA?[NEWLINE]agent: answer the questions by placing that parent.[NEWLINE][BOUNDARY][NEWLINE]user: Is it possible that I can submit my FAFSA without information from my parents as a dependent student?[NEWLINE]agent: Yes, but under certain conditions, firstly, are your parents incarcerated?[NEWLINE]user: if my parents are in prison[NEWLINE]agent: ok in this case if you can be considered a dependent student and you can send your form without information from parents[NEWLINE][BOUNDARY][NEWLINE]user: What should I provide now that I am an independent student?


user: I want to be ready for school so I need financial aid information[NEWLINE]agent: We have checklists with the steps you can take to help your chances of getting into and being able to afford the school of your choice.[NEWLINE]agent: Did you want information on helping you with time management for school?[NEWLINE]user: no, just financial aid stuff[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE]user: do you have one of those checklists for my parents so they can prepare for the cost too?[NEWLINE]agent: Yes there is a checklist that helps parents prepare as their child gets into college[NEWLINE]user: I get it, but isn't there a better plan than the standard payment plan, one that allows me to make lower payments for longer?[NEWLINE]agent: then the Extended Payment Plan may be right for you.[NEWLINE][BOUNDARY][NEWLINE]user: If I want to be chosen for the Extended Repayment Plan and I am a Direct Loan borrower, what should I consider?[NEWLINE]agent: note that you must have had no outstanding balance on a Direct Loan as of October 7, 1998, or on the date you obtained a Direct Loan after October 7, 1998, and you must have more than $ 30,000 in outstanding direct loans[NEWLINE][BOUNDARY][NEWLINE]user: how are the monthly payments?


user: Can you help me with preparing for college?[NEWLINE]agent: Sure, we have provided several checklists with steps you can take to help yourself or your childs chances of getting into or being able to pay for the school you want to attend.[NEWLINE]user: What does balancing studying and having fun help with?[NEWLINE]agent: It would teach you about time management.[NEWLINE][BOUNDARY][NEWLINE]user: What is the ideal time to start planning for college?[NEWLINE]agent: You can start planning at anytime and there are plenty of steps you can take right now to get ready for college.[NEWLINE][BOUNDARY][NEWLINE]user: Is there a YouTube playlist for college preparation that I could subscribe to?[NEWLINE]agent: Are you wanting to know what college is like?[NEWLINE]user: Yes, I am curious.


user: I'm ready to prepare for college[NEWLINE]agent: Okay, we have provided checklists with the steps you can take to help your chances of getting into school and being able to afford it.[NEWLINE]user: what will I need to not over do the fun and partying?[NEWLINE]agent: You need to practice time management[NEWLINE][BOUNDARY][NEWLINE]user: Can you please tell me on where I can check the best school and obtain the funding that I need for my College education?[NEWLINE]agent: College is a long term investment and you can find the school and funding you need for your situation and put you on the path to success.[NEWLINE][BOUNDARY][NEWLINE]user: Also, I need to find out about the steps. Will the checklists provide that information?[NEWLINE]agent: Our checklists have many steps you can take as you prepare academically and financially for college. We also provide websites you can explore[NEWLINE]user: do you have steps that parents can take to help us prepare?[NEWLINE]agent: We have checklists from elementary school through high school which includes items for them, such as how to support the child in his or her studies, where to set up a college savings account, and what to do when it’s time to apply for financial aid.[NEWLINE][BOUNDARY][NEWLINE]user: any vids?[NEWLINE]agent: yes, are you curious about what college is like?[NEWLINE]user: yes I am


user: I need to get my kids ready for college so you can help me with that[NEWLINE]agent: Well we have checklists with the steps you can take to help your child’s chances of getting into and being able to afford their school of choice.[NEWLINE]agent: Do you think your kids will need help balancing studying and having fun while in college?[NEWLINE]user: Yes, they like to have their fun and sometimes over do it[NEWLINE]agent: They can practice time management to help them succeed in school.[NEWLINE][BOUNDARY][NEWLINE]user: Now, for a suitable college school, what is the best way to find a school and funding I need?[NEWLINE]agent: College is a long term investment and you can find the school and funding you need for your situation and put you on the path to success.[NEWLINE][BOUNDARY][NEWLINE]user: They're still watching videos, so do you have any videos that deal with school-related issues? It can help us to have an idea on what to prepare in entering school.[NEWLINE]agent: Are you kids curious about what college will be like?[NEWLINE]user: No, I think they know from some of their older friends.[NEWLINE]agent: Would you like a playlist of college prep Youtube videos?[NEWLINE]user: yes that would help[NEWLINE][BOUNDARY][NEWLINE]user: Do you have any tips for someone who has started preparing for college a little late?


user: What is a good way to prepare for college?[NEWLINE]agent: There are checklists with steps you can take to help you or your child's chances of getting into and being able to afford the school of your choice.[NEWLINE]agent: Do you know what is good to learn by studying and having fun?[NEWLINE]user: No, not sure about that.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: Do you have videos I could look at on YouTube?[NEWLINE]agent: Yes, you can take a look at the videos in our Prepare for College YouTube playlist that is available.[NEWLINE][BOUNDARY][NEWLINE]user: Another thing about Program Reviews. What exactly do the reviewers do?[NEWLINE]agent: Reviewers assess the school's compliance with FSA requirements, assess responsibilities for performance errors, and identify actions the school should take to improve its future administrative capabilities.[NEWLINE]user: And what should I do after visiting the page?[NEWLINE]agent: Visit the "Third Party Services Program Reviews" page. "- Third Party Browse Program Manager" page. An overview of the main results of the program review and audit by fiscal year is also available.[NEWLINE]user: and what do these annual reports reveal?


user: I would like to know what would help prepare for college someday?[NEWLINE]agent: There are checklists we provide with steps you can take to help you or your child's chances of someday getting into the college you want to.[NEWLINE]agent: Do you realize what balancing studying and having fun can help with?[NEWLINE]user: Yes, I understand the concept.[NEWLINE]agent: Then you all ready know that it teaches time management skills.[NEWLINE][BOUNDARY][NEWLINE]user: Is there anything I can do to make college more easier for me to think?[NEWLINE]agent: You will have to take time to research and understand all your options available to you and we can help you make informed decisions.[NEWLINE][BOUNDARY][NEWLINE]user: ok, another question about checklists, could you apply for me, if i'm behind with college preparations?[NEWLINE]agent: There are last-minute checklists that are for someone who has been accepted at college and is starting soon but has not yet applied for financial aid.[NEWLINE]user: Is there a 9th grade checklist available?[NEWLINE]agent: Yes, a 9th grade checklist is available at this time.[NEWLINE][BOUNDARY][NEWLINE]user: Will the checklist help with websites to explore?[NEWLINE]agent: Yes, our checklists make suggestions on many websites to explore as you prepare academically and financially.[NEWLINE]user: What parent checklists are there?


user: I'm a student looking for help with preparing for college. Can you lend me a hand?[NEWLINE]agent: Of course. We've provided checklists with the steps you can take to help your or your child's chances of getting into and being able to afford the school of your choice.[NEWLINE]agent: Are you currently balancing studying and having fun?[NEWLINE]user: Yes, I am.[NEWLINE]agent: In that case you'll be practicing time management.[NEWLINE][BOUNDARY][NEWLINE]user: In regards to the choice of a school that suits me, do you have any hints or tips for me to help me make this decision?[NEWLINE]agent: Yes, you can get tips on things to consider when choosing a school, and use our free college search tool that matches your career goals, interests, and how much you can afford.[NEWLINE][BOUNDARY][NEWLINE]user: If they had told me something about these tools, although I did not take them into account, perhaps that is why I could not do it as I wanted, I will take it into account this time. Well that's nice and all, but do you have some checklists or something?[NEWLINE]agent: Yes. Whether you re a student or parent, years away from college or just about to start, our checklists will help you get ready.[NEWLINE]agent: Are you getting a late start?[NEWLINE]user: No, I have plenty of time to prepare.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: Do the checklists on your website include things my parents need to watch out for?


user: Hello there. I am looking for information on how to prepare for college. Do you have any advice for me?[NEWLINE]agent: Of course. We've provided checklists with the steps you can take to help your or your child's chances of getting into and being able to afford the school of your choice.[NEWLINE]agent: Are you currently balancing studying and having fun?[NEWLINE]user: Yes, sort of.[NEWLINE]agent: Then you'll be practicing time management.[NEWLINE][BOUNDARY][NEWLINE]user: I'd like to request a Checklist to assist me with being financially and academically prepared.[NEWLINE]agent: Whether you re in high school now, in elementary or middle school, out of school, or perhaps never finished school, there are a number of steps you can take to get college ready. Our checklists will walk you through the steps you can take to find and get into the college or career school that s right for you and help you learn how to prepare financially. Review our checklists now! When should I start thinking about college?[NEWLINE][BOUNDARY][NEWLINE]user: By the way, Are you a college student? Are you a parent? Are you an adult considering returning to school? Do you want to learn how to train for college or vocational school? It's more asking to money management. Do your checklists still assist me in preparing for this?


user: I am already an adult and want to know how to prepare for professional college?[NEWLINE]agent: Thank you for consulting us. We provide you with a checklist of steps you can take to help your chances of entering and paying for the school of your choice.[NEWLINE]agent: Do you want to know how to balance studying and having fun?[NEWLINE]user: yes[NEWLINE]agent: ok we will make you practice time management[NEWLINE][BOUNDARY][NEWLINE]user: Another question concerning finances and academics. When can I begin thinking about college?[NEWLINE]agent: You can start planning at anytime and there are plenty of steps you can take right now to get ready for college.[NEWLINE][BOUNDARY][NEWLINE]user: Good to know. Do you know your personal advice beyond protocol? Can you tell me what college is like?[NEWLINE]agent: Check out the videos on our YouTube Prep for College playlist.[NEWLINE][BOUNDARY][NEWLINE]user: Would I like to know what happens if I have a late start?[NEWLINE]agent: this Checklist for anyone who has been accepted to a university and starts classes soon but has not yet applied for financial aid[NEWLINE]user: Which checklists can help me?[NEWLINE]agent: Middle School Checklist: Parent and student checklists that make the student think about high school and possible careers and encourage parents to monitor student progress.[NEWLINE][BOUNDARY][NEWLINE]user: What would the parent checklist look like?


user: what are your preparation checklists about?[NEWLINE]agent: We have checklists with the steps that can be taken to help prepare for admission and school costs.[NEWLINE]agent: Would you like a tip on how to balance studying and having fun?[NEWLINE]user: yeah, why not[NEWLINE]agent: You can practice good time management to be able to do both.[NEWLINE][BOUNDARY][NEWLINE]user: When can I start planning for college?[NEWLINE]agent: You can start planning at anytime and there are plenty of steps you can take right now to get ready for college.[NEWLINE][BOUNDARY][NEWLINE]user: Id like to ask more info about College Preparation YouTube Playlist.[NEWLINE]agent: Curious about what college is like? Will the videos help us with the college experience in general?[NEWLINE][BOUNDARY][NEWLINE]user: what kinds of checklists do you have?[NEWLINE]agent: We have checklists for students, parents, those just about to start school, or those years away from starting.[NEWLINE]user: is there a checklist for someone that has some catching up to do to get ready for college?[NEWLINE]agent: We have a Last-minute Checklist. It is for anyone who has been accepted at a college and is starting classes soon but hasn’t applied for financial aid yet.[NEWLINE]user: what about a checklist for juniors?


user: can you give me hiring information for federal student aid[NEWLINE]agent: Federal Student Aid Acquisitions play an integral role in supporting the needs and goals of the Federal Student Aid program. Federal Student Aid Procurement is responsible for ensuring the efficient and cost-effective procurement of Federal Student Aid products and services, while reducing costs and maintaining compliance with applicable laws, regulations, and Executive Orders[NEWLINE][BOUNDARY][NEWLINE]user: what can you tell me about the federal IT Student Aid Standards[NEWLINE][BOUNDARY][NEWLINE]user: Another query concerning the IT Standards Library. Is this a library?[NEWLINE]agent: This is the Federal Student Aid Chief Information Officer's Information Technology  Standards Library[NEWLINE][BOUNDARY][NEWLINE]agent: The IT Standards Library identifies specific Federal, Department and Federal Student Aid IT standards directly relevant to Federal Student Aid acquisitions.[NEWLINE][BOUNDARY][NEWLINE]user: I just remembered that I forgot to inquire about Federal Student Aid. I understand, and how does the Acquisition Forecast work?[NEWLINE]agent: Federal Student Aid prepares an annual forecast, with periodic updates, of expected contractual opportunities that exceed the simplified acquisition threshold for each fiscal year. Information on the Federal Student Aid forecast, as well as other acquisitions from the US Department of Education, can be found in the ED Contract Opportunity Forecast.[NEWLINE][BOUNDARY][NEWLINE]user: Can you give me the contact information?[NEWLINE]agent: Do you have questions about Federal Student Aid Acquisition activities?[NEWLINE]user: currently not[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: can you give me details of the procurement notices and contract requests


user: I want to know what kind of forbearance is available to me[NEWLINE]agent: The two main types are general forbearance and mandatory forbearance.[NEWLINE][BOUNDARY][NEWLINE]user: which would be the one for me if I'm looking for teacher loan forbearance?[NEWLINE]agent: It would be teacher loan forgiveness if you are performing a teaching service that would qualify you[NEWLINE][BOUNDARY][NEWLINE]user: Another question about Income-Driven Repayment Plan. Could you please explain what you mean by that?[NEWLINE]agent: Income-driven repayment plans base your monthly payments on your income and family size, meaning that in some cases, you payment under this plan could become as low as $0 per month.[NEWLINE][BOUNDARY][NEWLINE]user: Can you tell me about an in-school deferment if I am enrolled in college more than half-time?[NEWLINE]agent: With that option, in most cases your loan will be placed into a deferment automatically based on enrollment information reported by your school, and your loan servicer will notify you that the deferment has been granted.[NEWLINE][BOUNDARY][NEWLINE]user: Are there any extra considerations if I am actually attending school and am active duty military at this time?[NEWLINE]agent: You may be eligible for this deferment if you are on active duty military service in connection with a war, military operation, or national emergency.[NEWLINE]user: If a global pandemic is considered a national emergency, then that does describe my situation.[NEWLINE]agent: You may be eligible for this deferment.[NEWLINE][BOUNDARY][NEWLINE]user: What is a Graduate Fellowship Deferment?


user: what forbearance is there for a student loan?[NEWLINE]agent: There is general forbearance and mandatory forbearance.[NEWLINE][BOUNDARY][NEWLINE]user: what do I need to be going though to get help?[NEWLINE]agent: Are you going through financial difficulties?[NEWLINE]user: no[NEWLINE]agent: Have medical expenses affected your ability to make your scheduled monthly loan payments?[NEWLINE]user: they have[NEWLINE]agent: You are eligible to request a general forbearance due to your situation[NEWLINE]user: I'd also like to know if student loan deferment requires you to postpone making payments for a period of time. Is it possible for me to apply for a hardship deferment?[NEWLINE]agent: Would you like to see if you qualify?[NEWLINE]user: yes[NEWLINE]agent: Are you receiving a means-tested benefit like welfare?[NEWLINE]user: no we aren't[NEWLINE]agent: Do you work full-time but have earnings that are below 150% of the poverty guideline for your family size and state of residence?[NEWLINE]user: I don't think so[NEWLINE]agent: Are you serving in the Peace Corps?[NEWLINE]user: yes I am[NEWLINE]agent: Okay, you qualify for this deferment.[NEWLINE][BOUNDARY][NEWLINE]user: so I won't be making payments?


user: If my school closes while I enroll, can I be eligible to be discharged from my federal student loan?[NEWLINE]agent: you need to know the discharge eligibility requirements and how you can apply[NEWLINE][BOUNDARY][NEWLINE]user: I want to be eligible for a 100 percent down payment on my William D. Ford Federal Direct Loan Direct Loan Program loans[NEWLINE]agent: Were you enrolled when your school closed?[NEWLINE]user: was not enrolled[NEWLINE]agent: Were you on an approved leave of absence when your school closed?[NEWLINE]user: I was not on leave[NEWLINE]agent: Did your school close within 120 days of retirement?[NEWLINE]user: not my case either[NEWLINE]agent: We are sorry to tell you that you may not be eligible for the loan program[NEWLINE][BOUNDARY][NEWLINE]user: I understand and can you give me details of the registration process


user: Hi, What are the eligibility requirements for a discharge of my student loan if my school closes?[NEWLINE]agent: If your school closes while you are enrolled with them or soon after you withdraw you may be eligible for discharge of your federal student loan.[NEWLINE][BOUNDARY][NEWLINE]user: I have loans with the same school or different programs.  Before I could complete any of the programs my school closed. What happens in a case like this?[NEWLINE]agent: 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.[NEWLINE][BOUNDARY][NEWLINE]user: I'm a parent who used a Direct PLUS Loan to fund my child's education. Is it possible for my loan to be discharged due to false certification of the school of my child?[NEWLINE]agent: Do you know if the school that your child attended falsely certified that your child would benefit from its training?[NEWLINE]user: No this is not so.[NEWLINE]agent: Did your child have a disqualifying status at the time the school certified your eligibility to receive the parent PLUS loan?[NEWLINE]user: Yes she had a disqualifying status.[NEWLINE]agent: Okay[NEWLINE][BOUNDARY][NEWLINE]user: I believe that someone forged my signature on a loan document and I wish to apply for a loan discharge. How do I go about applying for a discharge?


user: when do I get the money for my books?[NEWLINE]agent: Has you school provided a way for you to obtain your books and supplies by the seventh day of the term?[NEWLINE]user: no that's why I'm here asking[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: can you tell me what I can do if I can't get the ISBN number for my books?[NEWLINE]agent: If you can't get the ISBN then you can ask the school for the author, title, publisher, and copyright date.[NEWLINE][BOUNDARY][NEWLINE]user: That is something I understand. What if I'm instead completing the entrance counseling in order for me to borrow a loan as a graduate or advanced student?[NEWLINE]agent: In that case the entrance counseling will fulfill counseling requirements for Direct Subsidized Loans, Direct Unsubsidized Loans, and Direct PLUS Loans.[NEWLINE][BOUNDARY][NEWLINE]user: I see. Another question on book loans, when will a parent on a direct Plus Loan get the money for their daughter's school?[NEWLINE]agent: The school will give out the loan money by crediting it to the child’s school account to pay tuition, fees, room, board, and other authorized charges.[NEWLINE][BOUNDARY][NEWLINE]user: how do I know if they should be giving me money for the books I need?[NEWLINE]agent: Are you eligible for disbursement 10 days before the term begins?[NEWLINE]user: I guess not otherwise I would be getting my money


user: Hi there. I would like to have some information related to receive financial aid as student.[NEWLINE]agent: Sure. We can bring you the best help we can provide to you. Is very important that you know that are the college or career school and not the u.s. department of education who are in charge to distribute the federal student aid.[NEWLINE][BOUNDARY][NEWLINE]user: Oh, I see. That's very important thing to know. But when I start receiving the aid?[NEWLINE]agent: The type of aid you accepted will affect when you will get your aid.[NEWLINE][BOUNDARY][NEWLINE]user: I see... But then, how I gonna get the textbooks and all the material I need for the classes?[NEWLINE]agent: The school must provide you a way to get for you to obtain your books and supplies by the seventh day of the term. You were elected for disbursement?[NEWLINE]user: Yes, I think I have.[NEWLINE]agent: Great. That way they most provide you the supplies you need  days before the term begins. You are aware that this will give you a credit balance, right?[NEWLINE]user: Yes, I know that the money will be the one left over they take the part for all the tuition, fees and other charges.[NEWLINE]agent: That's right. The same way they will provide you all the supplies you need in time, so you don't have to worry to start the course without the things you need.[NEWLINE][BOUNDARY][NEWLINE]user: Another question I have, how do you decide which student loans to accept? I do not want to choose an aid that is difficult to understand


user: is there a way to know how much financial aid I will get?[NEWLINE]agent: We have a tool that will give you an estimate of the federal student aid you might receive, would you like to try it?[NEWLINE]user: yes that's just what I was looking for[NEWLINE]agent: You can use the FAFSA4caster[NEWLINE]user: I'd also like to learn more about Program Reviews. What is the FPRD's role in these program reviews?[NEWLINE]agent: When a review is carried out, the FPRD may or may not require additional actions to be carried out by an institution[NEWLINE]user: What is a FPRD?[NEWLINE]agent: This is issued by the FSA. It's a report that includes all the findings that were identified in the program review report, the response from the school in question and also the final determination of the Department[NEWLINE]user: Is there a FPRD available for the year 2014?[NEWLINE]agent: null[NEWLINE]user: Where would I be able to find FPRD reports for a school?


user: What if I can't make my monthly payment?[NEWLINE]agent: Do you have trouble making your monthly payments?[NEWLINE]user: yes[NEWLINE]agent: Contact your loan manager immediately. Your loan manager can help you understand your options.[NEWLINE][BOUNDARY][NEWLINE]user: In addition, I need to know what the Final Program Review Determination,  What happens after a program analysis is completed?[NEWLINE]agent: The FSA will issue a Final Program Review Determination which is just a report that has each finding identified in the program review report, the school's response, and Department's final determination.[NEWLINE]user: What else would the FPRD do?[NEWLINE]agent: The FPRD will also identify liabilities, calculated based on the findings of the program review, provides instructions for the payment of those liabilities, notifies the institution of its right to appeal and closes the review.[NEWLINE]user: Where would I find an overview of the top program review and audit findings by fiscal year?[NEWLINE]agent: To find an overview of the top program review and audit findings by fiscal year you should visit the "third party servicer program reviews."[NEWLINE]user: Is there a fiscal year 2014?


user: Hello, where can I find detailed information about the TPD download?[NEWLINE]agent: want to know everything about the TPD download?[NEWLINE]user: not everything but most[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: What happens if my obligation to pay my loans is reinstated?[NEWLINE]agent: In that case Nelnet will explain the reason for the reinstallation and provide you with information on what you can do if you have questions about the reinstallation or if you believe the reset was based on incorrect information.[NEWLINE][BOUNDARY][NEWLINE]user: What actions do they take If they determine that I am totally or permanently disabled as per the documentation of the SSA or the certification of a doctor?[NEWLINE]agent: The first thing is to notify you that your loans or TEACH Grant service obligation have been canceled;[NEWLINE][BOUNDARY][NEWLINE]user: If my loan is canceled due to TPD, do I have to pay taxes on the amount of the canceled loan?[NEWLINE]agent: In this case, if you received a TPD discharge of a loan before January 1, 2018, the amount of the loan written off can be considered income for federal tax purposes under the IRS rules of the Internal Revenue Service.[NEWLINE][BOUNDARY][NEWLINE]user: So what benefit does a TPD download generate due to total and permanent disability?


user: If I am totally and permanently disabled, can I qualify for a discharge of my federal student loans?[NEWLINE]agent: Note a TPD discharge for total and permanent disability frees you from having to pay a loan from the William D. Ford Federal Direct Loan Direct Loan Program, a loan from the FFEL Federal Family Education Loan Program and / or a Loan Federal Perkins or complete an EDUCATION Grant service obligation.[NEWLINE]user: How can I qualify for a TPD download?[NEWLINE]agent: You must first complete and submit a TPD download request, along with documentation showing that you meet our requirements to be considered totally and permanently disabled, to Nelnet, the administrator who assists the US Department of Education with the process TPD download.[NEWLINE][BOUNDARY][NEWLINE]user: If you show that I am totally and permanently disabled according to the SSA documentation, it means that you are subject to a monitoring period of three years after discharge, what else should I know?[NEWLINE]agent: you must be considered discharged for federal tax purposes at the end of the post-discharge monitoring period[NEWLINE][BOUNDARY][NEWLINE]user: I'm a certified teacher, and I'm curious if my federal student loans will be forgiven because of my work as a teacher.[NEWLINE]agent: If you teach full-time and meet all the other qualifications you may be eligible for forgiveness of up to $17,500 on your student loan.[NEWLINE]user: I have a Direct Consolidation Loan, does this qualify?[NEWLINE]agent: Yes, you may be eligible for forgiveness of the outstanding portion of the consolidation loan that repaid an eligible Direct Subsidized Loan, Direct Unsubsidized Loan, Subsidized or Unsubsidized Federal Stafford Loan.[NEWLINE][BOUNDARY][NEWLINE]user: At what time after I qualify can I apply for teacher loan forgiveness?