user: where can I get info on regaining my financial aid eligibility?[NEWLINE]agent: null[NEWLINE]agent: Have you been told you no longer qualify for federal student aid?[NEWLINE]user: yes I have been told that[NEWLINE]agent: I can help you find out how to get your eligibility back.[NEWLINE][BOUNDARY][NEWLINE]user: I'd like to learn more about Student Loan. What is the similarity of Student Loan to other Loans?[NEWLINE]agent: Just like other loans, student loans are money that's borrowed to pay for college. The money will need to be paid back, as well as any interest that your loan(s) accrue.[NEWLINE][BOUNDARY][NEWLINE]user: Also, I need to find out about  homeless students,  do you have anything on people helping homeless students that we can look at?[NEWLINE]agent: They can look at Identifying and Supporting Students Experiencing Homelessness from Pre-School to Post-Secondary Ages, it is a page aimed at professionals assisting homeless students.[NEWLINE][BOUNDARY][NEWLINE]user: ok thanks, now about student loan deferment? Can you give me information about it?[NEWLINE]agent: It is noteworthy that the postponement will extend for an additional 180 days.[NEWLINE][BOUNDARY][NEWLINE]user: OK thank you. I would also like to find out if I can still be eligible for help?[NEWLINE]agent: I will give you a link where you can look at more information on Staying Eligible.[NEWLINE]user: I heard about something for students with a parent involved in the Iraq War, do you have more info on that?[NEWLINE]agent: Yes, we have more information for Students With a Parent Who Was Killed in Iraq or Afghanistan[NEWLINE][BOUNDARY][NEWLINE]user: do the homeless get their own special financial aid?


user: Hi there, I am wondering if I am eligible for financial aid if I am a non-US citizen?[NEWLINE]agent: I will share a link with you which gives you further information in this regard[NEWLINE]agent: Are you a permanent resident alien, as in, do you have a green card?[NEWLINE]user: No, I don't have a green card and am not permanently resident here[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: Can it happen that I am informed that I no longer qualify for federal student aid?[NEWLINE]agent: You can access the information about regaining your eligibility on the relevant section of the website[NEWLINE][BOUNDARY][NEWLINE]user: In addition, for federal student aid. What will I do if I am not a U.S. citizen?[NEWLINE]agent: Also so far I only have a Notice of approval to apply for residency.[NEWLINE]user: I only have a Notice of Approval to apply for residency, can I qualify for the aid?[NEWLINE]agent: Can't you currently receive federal aid if you are not a US citizen?[NEWLINE][BOUNDARY][NEWLINE]user: Can I go to the embassy to request information regarding the subject?


user: I cannot provide parent info due to a special circumstance, what can I do?[NEWLINE]agent: Did you submit your FAFSA form without parent info?.[NEWLINE]user: Yes, that is what I had to do.[NEWLINE]agent: Are your parents in jail?[NEWLINE]user: yes, my parents are in jail.[NEWLINE]agent: Then you would be able to submit your FAFSA form without your parent info on it.[NEWLINE][BOUNDARY][NEWLINE]user: What if I live somewhere besides with my parents?[NEWLINE]agent: It does not matter if you live with your parents; you would still have to report info pertaining to them.[NEWLINE][BOUNDARY][NEWLINE]user: I understand. I do, however, have another question about this page of the form.[NEWLINE]agent: a[NEWLINE][BOUNDARY][NEWLINE]user: a


user: I cannot provide my parents info what can I do?[NEWLINE]agent: Did you know you could submit your FAFSA form without your parents info?[NEWLINE]user: Yes, I did know there are some situations that I could send without my parents info.[NEWLINE]agent: Are your parents incarcerated?[NEWLINE]user: No, my parents are not incarcerated.[NEWLINE]agent: Did you leave because of an abusive relationship?[NEWLINE]user: No, my parents were not abusive to me.[NEWLINE]agent: Are you not able to get in contact with your parents?[NEWLINE]user: No, I know where they live and could get in contact.[NEWLINE]agent: Are you older than 21 but not yet 24 and are homeless?[NEWLINE]user: Yes, I am homeless and not 24 yet.[NEWLINE]agent: Then you are able to send in the FAFSA form without filling in your parents info.[NEWLINE][BOUNDARY][NEWLINE]user: Understood, another question I have is how is the amount of federal aid for students determined? what does the cost of attendance or COA mean?


user: Hello there, hope you're doing well in these times. I was wondering what the FSAA can do for me as a student.[NEWLINE]agent: Of course. Well, Federal Student Aid Acquisitions plays an integral role supporting Federal Students Aid's needs and program objectives. Federal Student Aid Acquisitions is responsible for ensuring the efficient and economic acquisition of products and services for Federal Student Aid while reducing cost and maintaining compliance with applicable laws, regulations, and Executive Orders.[NEWLINE][BOUNDARY][NEWLINE]user: That was very informative, thank you! So what is this acquisition forecast I've read about?[NEWLINE]agent: Federal Student Aid prepares an annual forecast, with periodic updates, of expected contract opportunities in excess of the simplified acquisition threshold for each fiscal year. Information on Federal Student Aid's forecast, as well as other U.S. Department of Education acquisitions, can be found at Forecast of ED Contract Opportunities.[NEWLINE][BOUNDARY][NEWLINE]user: I also hope to find out the IT Standards Library, Do the Specific Resources have to be followed in an IT project?[NEWLINE]agent: Yes all projects may be required to comply with the resources dependent on the projects specific contract.[NEWLINE][BOUNDARY][NEWLINE]agent: Do you have a IT project at the moment?[NEWLINE]user: No not at the moment.[NEWLINE][BOUNDARY][NEWLINE]agent: What is your involvement with Data Management?[NEWLINE]user: I am involved Data Management at the moment.[NEWLINE]agent: In that case you should follow the Data Management Resources that are provided.[NEWLINE][BOUNDARY][NEWLINE]user: What is involved in complying with the Program Quality Assurance?


user: Hi there. I'm looking information about forbearance.[NEWLINE]agent: Sure, you need to have present there is two kind of forbearance: general and mandatoy.[NEWLINE][BOUNDARY][NEWLINE]user: Great. But how can I apply for it?[NEWLINE]agent: Are you having financial difficulties right now?[NEWLINE]user: Not, exactly, but I think they are possible.[NEWLINE]agent: Are you having extra medical expenses?[NEWLINE]user: No, That's is not my case.[NEWLINE]agent: Did you experienced any change in employment?[NEWLINE]user: No, I'm not on that.[NEWLINE]agent: Are there any valid reason why you should be acceptable to qualify for forbearance?[NEWLINE]user: Yes, I think I have one.[NEWLINE]agent: This case you may need to know that a general forbearance is also called a discretionary forbearance.[NEWLINE][BOUNDARY][NEWLINE]user: I'd like to know more information on what is the concept of an income-based contingent plan?[NEWLINE]agent: under these conditions it would be: Income - Contingent repayment plan ICR Plan[NEWLINE][BOUNDARY][NEWLINE]user: I'd like to ask another question on when does my loan become delinquent?


user: How can I request an indulgence?[NEWLINE]agent: You must know what type of leniency you are going to apply for. You must provide your student loan servicer with documentation to demonstrate that you meet the eligibility requirements for the leniency you are requesting.[NEWLINE]user: What are the types of tolerance?[NEWLINE]agent: are two main types you must provide your student loan servicer with documentation[NEWLINE][BOUNDARY][NEWLINE]user: I'd like to ask you about lower payment plans. Why is it that an income-driven repayment plan is more effective at obtaining relief?[NEWLINE]agent: It is a better option because income-driven repayment plans base your monthly payment on your income and family size and your payment could be zero a month.[NEWLINE][BOUNDARY][NEWLINE]user: If I am in the military or have been in the military could I get a deferment?[NEWLINE]agent: Do you believe you are eligible for the military deferment?[NEWLINE]user: Yes, I believe I am.[NEWLINE]agent: Are you on active duty military service?[NEWLINE]user: Yes, I am.[NEWLINE]agent: Then you may be eligible for the Military service deferment.[NEWLINE][BOUNDARY][NEWLINE]user: What if I don't pay the interest on my loan and allow it to capitalize?


user: i need help i would like to know if your school closes while you enroll or soon after you retire, you may be eligible for discharge from your federal student loan[NEWLINE]agent: in this case you need to know the eligibility requirements for discharge and how you can apply.[NEWLINE][BOUNDARY][NEWLINE]user: ok but in this case I would like to know if I am eligible since if I attended a school that closed less than three years ago[NEWLINE]agent: In addition to that point if you meet the eligibility requirements for closed school discharge, and want your loans to be canceled, please contact your loan administrator to apply for closed school discharge now instead of waiting three years to receive a closed high school automatic.[NEWLINE][BOUNDARY][NEWLINE]user: By the way, regarding common questions and answers regarding borrower defense decision notifications, where can I contact to reconsider a decision on this?[NEWLINE]agent: We have a dedicated borrower defense hotline at 1-855-279-6207 from 8am to 8pm[NEWLINE][BOUNDARY][NEWLINE]user: I have applied for borrower defense by way of email but now have found further information that I want to send, can I do this?


user: I have some closed school loan questions[NEWLINE]agent: Do you want to know what are the benefits of receiving a closed school loan discharge?[NEWLINE]user: Yes i would like to know[NEWLINE]agent: When receiving a closed school loan discharge you have to be aware of several points[NEWLINE][BOUNDARY][NEWLINE]user: Do you know how do I apply for  loan discharge is? What exactly is a loan download?[NEWLINE]agent: It is important that you complete the application.[NEWLINE][BOUNDARY][NEWLINE]user: At what level can the PLUS loan be paid?[NEWLINE]agent: It is noteworthy that the school falsely certified the student's ability.[NEWLINE]user: Can you expand that information more?[NEWLINE]agent: Of course...[NEWLINE]user: Can I search for information in other instances?


user: Hi, I was wondering if you need to cancel textbooks and other materials if or have you received the help?[NEWLINE]agent: It is noteworthy that schools that participate in federal programs must provide all of these elements.[NEWLINE]user: What schools are in the program?[NEWLINE]agent: Of note, you may be eligible for disbursement and other benefits.[NEWLINE]user: What does that plan consist of, please?[NEWLINE]agent: That is, if you have a credit balance, it can be used for other things.[NEWLINE]user: What other charges can be implemented?[NEWLINE]agent: Schools must provide the information respectively.[NEWLINE][BOUNDARY][NEWLINE]user: Do you have any recommendations on what student loans should I accept as I'm having a hard time on deciding what to accept?[NEWLINE]agent: Do you know which student loans you will want?[NEWLINE]user: No, i have not decided yet.[NEWLINE]agent: Are you considering a state, school, or private student loan?[NEWLINE]user: Yes, I have decided to consider a private student loan.


user: how will you give me my financial aid?[NEWLINE]agent: That will depend on the type of aid you have accepted[NEWLINE][BOUNDARY][NEWLINE]user: how can I save money on books?[NEWLINE]agent: That depends on your school and your courses. There might be options for you to save money[NEWLINE]user: what is a credit balance?[NEWLINE]agent: That is money left over after your aid is applied to your tuition, fees, and other school charges[NEWLINE]user: any other tips on saving on books?[NEWLINE]agent: You might be able to save money if you shop around[NEWLINE][BOUNDARY][NEWLINE]user: I see what you mean. I'd like to ask you another question for the purpose of federal student assistance. What does COA (cost of attendance) stand for?[NEWLINE]agent: Your COA is the amount you will pay to go to school.[NEWLINE]agent: Are you attending at least half-time?[NEWLINE]user: Yes, I will be attending at least half-time.


user: can you give me an idea of how much aid I can get[NEWLINE]agent: Would you like to estimate your federal student aid, but aren’t yet ready to apply for aid?[NEWLINE]user: no I think I am ready to apply[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: but how do you estimate my federal student aid?[NEWLINE]agent: You can use FAFSA4caster, it is a helpful tool for anyone who is not yet ready to submit a FAFSA form. Parents of younger students can use FAFSA4caster to receive early estimates, create scenarios based on future earnings, and then establish college funding strategies.[NEWLINE][BOUNDARY][NEWLINE]user: How does my school figure out the non-need based aid?[NEWLINE]agent: Your school has a formula they use to calculate they non-need based aid.[NEWLINE][BOUNDARY][NEWLINE]user: Alright. I have Another question about FAFSA. What is the process to apply the FAFSA aid?[NEWLINE]agent: You need the Free Application for Federal Student Aid FAFSA form to apply for aid[NEWLINE][BOUNDARY][NEWLINE]user: Where can I look for other sources of aid?[NEWLINE]agent: There are several sources for financial aid, including federal, state, and college.[NEWLINE][BOUNDARY][NEWLINE]user: Can I use the forecaster if I am not currently in high school?[NEWLINE]agent: Yes, adult students also can use FAFSA4caster to get an idea of how much and what types of federal aid they might receive.[NEWLINE][BOUNDARY][NEWLINE]user: what will I need to enter into the forecaster?


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: you can contact your loan manager immediately. Your loan manager can help you understand your options.[NEWLINE][BOUNDARY][NEWLINE]user: I'd like to learn more about Tax Credits for Higher Education Expenses as well. How do I apply for tax deductions to cover my educational expenses?[NEWLINE]agent: You will need to file a tax return, even if you normally don't do this because of your income level[NEWLINE][BOUNDARY][NEWLINE]user: I have heard about Qualified Tuition Programs, what exactly are they?[NEWLINE]agent: These are plans that are provided by a state or a school which allows you to either prepay or save up to pay your education costs. When you use these funds for your college career, the money that is withdrawn from the account is not subjected to tax[NEWLINE]agent: Does the college that you are hoping to attend participate in QTP's?[NEWLINE]user: I am unsure but I don't think so[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: What happens if I don't file a tax return, am I missing out on something?


user: I need help since my TPD registration request is denied[NEWLINE]agent: Did you determine that you do not qualify for a TPD download?[NEWLINE]user: I haven't determined that yet.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: And where can I find more information about it?[NEWLINE]agent: You can find all the necessary information by visiting the site irs.gov[NEWLINE][BOUNDARY][NEWLINE]user: Another concern about the benefits of Total Permanent Disability, in the Federal Perkins Loan Program, who would declare?[NEWLINE]agent: The loan holder can declare that the loan is in default if they do not make their scheduled payment by the due date.[NEWLINE][BOUNDARY][NEWLINE]user: What do I do if I was discharged from a TPD based on a doctor's certification but my three-year post-discharge period has not yet ended?[NEWLINE]agent: That happens you must either resume repayment of your previously discharged loans or acknowledge that you are once again responsible for meeting the terms and conditions of your TEACH Grant service obligation.[NEWLINE][BOUNDARY][NEWLINE]user: Where can I get information for federal student loans if I want to change my repayment plan?[NEWLINE]agent: Contact your loan servicer if you would like to discuss repayment plan options or change your repayment plan. You can get information about all of the federal student loans you have received and find the loan servicer for your loans by logging in to "My Federal Student Aid".[NEWLINE][BOUNDARY][NEWLINE]user: If I received a TPD download based on VA documentation, what should I do? Can I participate in any activity again?[NEWLINE]agent: one of the things you should do is sign a statement acknowledging that you cannot get a TPD download of the new loan[NEWLINE][BOUNDARY][NEWLINE]user: ok I understand and if I need more detailed information about the TPD download


user: If I am totally and permanently disabled, can I qualify for a discharge of my federal student loans?[NEWLINE]agent: Please note that 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 Federal Perkins Loan or Complete a TEACHING Grant Service Obligation[NEWLINE]agent: want to qualify for a TPD download?[NEWLINE]user: In this case I would not like[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: If I am a veteran whose application for discharge to TPD is approved according to the VA documentation, what should I know?[NEWLINE]agent: in this case it is not subject to a post-discharge monitoring period[NEWLINE][BOUNDARY][NEWLINE]user: In addition, I need to learn about PSLF. What do I need to be eligible for school loan forgiveness?[NEWLINE]agent: Are you employed by a U.S. federal, state, local, or tribal government or not-for-profit organization?[NEWLINE]user: null[NEWLINE]agent: You do not qualify for PSLF.[NEWLINE][BOUNDARY][NEWLINE]user: If I did qualify what would it do for me?