user: Hello. Can you tell me if I can use a proof of residence if it's in my husband's name, but we live together?[NEWLINE]agent: Of course. Do you and your spouse have the same last name?[NEWLINE]user: Yes, we share the same last name.[NEWLINE]agent: In that case you can use proof-of-residence documents that are in your spouse's name.[NEWLINE]user: What happens if I drive when my insurance is expired?[NEWLINE]agent:  your vehicle can be impounded by a law enforcement officer[NEWLINE][BOUNDARY][NEWLINE]user: If my license is suspended for a lapse of insurance, what can I do?[NEWLINE]agent: your registration has not expired[NEWLINE]user: yes[NEWLINE]agent:  you must surrender your plates.A driver license becomes suspended when the lapse is 91 days or more or if the time period of the lapse has not yet been determined[NEWLINE][BOUNDARY][NEWLINE]user: If my registration is suspended for a lapse of insurance, can another person register the vehicle?


user: I don t have enough proof of name identification to bring to the DMV. What can I do?[NEWLINE]agent: You may already have more proof documents than you think,  or you may be able to get some proof documents. Here are some suggestions[NEWLINE]user: what are the suggestions[NEWLINE]agent: Bank card debit with your name preprinted on it[NEWLINE][BOUNDARY][NEWLINE]user: Do you also know about this - test documents. Why do we need the hearing?[NEWLINE]agent: The purpose of the hearing is to determine whether the tolling authority notified you that you failed to pay tolls, fees or other charges related to 3 or more violations of the Authority’s toll collection regulations, all such violations committed within a 5-year period, or failed to pay $200 in tolls accumulated within 5 years, if the violations occurred in a commercial vehicle. At the hearing, you may NOT dispute whether you evaded a toll and/or failed to pay tolls, fees or other charges.[NEWLINE][BOUNDARY][NEWLINE]user: so I can just do the affidavit on the hearing and I won't have to show up?[NEWLINE]agent: If you submit the affidavit you will not have to appear at the hearing[NEWLINE][BOUNDARY][NEWLINE]user: can I have avoided the suspension?[NEWLINE]agent: Yes, the notice informed you that if you pay all of the tolls, fees or other charges owed to the tolling authority, or have them dismissed or transferred, the suspension will not take effect.[NEWLINE][BOUNDARY][NEWLINE]user: too late now, so I can do the hearing or the one where I don't have to show up?[NEWLINE]agent: yes, you may request an in - person DMV hearing or you may request a hearing by affidavit this is a hearing on paper[NEWLINE]user: what if I do neither?[NEWLINE]agent: your registration will be suspended immediately[NEWLINE][BOUNDARY][NEWLINE]user: what can I do next time, who do I call to pay?


user: Hello, i'm trying to find proof of my ID for some procedures with you. I don't find any at the moment, but my spouse have some, Can those be useful?[NEWLINE]agent: Both you and your spouse share the same last name?[NEWLINE]user: Yeah, we have that.[NEWLINE]agent: Then you don't have to worry. You can use those documents without any problem.[NEWLINE][BOUNDARY][NEWLINE]user: And, just by curiosity, what other documents could i use instead?[NEWLINE]agent: Well, you can use many other documents, such a bank debit card with your name, or bills or even divorce papers.[NEWLINE]user: Can you please tell me on what are the process if I forgot to update my address?[NEWLINE]agent: You must change it immediately.[NEWLINE][BOUNDARY][NEWLINE]user: What if I don't change it?[NEWLINE]agent: Your license will be suspended.[NEWLINE][BOUNDARY][NEWLINE]user: What if I move to another state?[NEWLINE]agent: You must resolve any issues before you leave.[NEWLINE][BOUNDARY][NEWLINE]user: How will they know if I have insurance?


user: I don't have the proofs of name identification that I need to bring to DMV.[NEWLINE]agent: I can assist you with this issue. Most people have more proof documents already available than they think.[NEWLINE][BOUNDARY][NEWLINE]user: Can I use a proof of residence document that is in my wife's name?[NEWLINE]agent: Do you and your wife have the same last name?[NEWLINE]user: Yes, we do.[NEWLINE]agent: Great. You can use your wife's proof of residence documents.[NEWLINE][BOUNDARY][NEWLINE]user: One more reason for allowing the insurance to expire. Would I have to turn in something, or will I be able to retain it while I renew my insurance?[NEWLINE]agent: If you show proof of insurance and you go ahead with the address change than everything should be fine[NEWLINE]user: OKay, well I just logged in and I have insurance and I just need to give you my new address...is that fine[NEWLINE]agent: Good, we now have all the information we need so you should be good to go[NEWLINE]agent: Did you just now get your new insurance coverage?[NEWLINE]user: Nope, earlier but it just showed up on my account and payment went through so I should be covered[NEWLINE]agent: Just don't let it happen again or you might lose your license and registration, so just stay insured[NEWLINE]user: won't happen again, it was just a mistake on my part[NEWLINE]agent: Okay, well we have your address and it should all be good[NEWLINE][BOUNDARY][NEWLINE]user: So just to be sure, if i change address again then I should come in and let you know?


user: What is the procedure if I do not have enough proof of name identification to bring with me to the DMV?[NEWLINE]agent: Fortunately, you may have more proof than you think or may be able to get the one you needs.[NEWLINE][BOUNDARY][NEWLINE]user: I can't find my original U.S. birth certificate or marriage record what can I do?[NEWLINE]agent: The NY State Department of Health Vital Records office will help you get it or you can order your birth certificate online from NY and many other states through VitalChek Network at vitalchek.com.[NEWLINE]user: One more concern about my safety inspection. At what day of the month will my inspection expire?[NEWLINE]agent: The inspection will expire the last day of the month punched on the inspection sticker[NEWLINE][BOUNDARY][NEWLINE]user: do you have a list of what will be checked during the inspection?[NEWLINE]agent: You can look at the DMV brochure, New York State Vehicle Safety/Emissions Inspection Program for Cars and Light Trucks, it  lists the equipment items checked during a safety inspection.[NEWLINE][BOUNDARY][NEWLINE]user: can you also tell me what to do when an inspection sticker comes off?[NEWLINE]agent: You can reattach it to the windshield with clear tape or a small amount of clear adhesive.[NEWLINE]user: what if the sticker is all messed up?


user: Hello, can you help me? I've been requested some identity proof, but i believe i don't have enough of that, What can i do about it?[NEWLINE]agent: You could get surprised in that matter, you know?. There are some alternatives you can present to prove your identity, such as a bank debit card or online bill printouts, even divorce papers would work in that regard.[NEWLINE][BOUNDARY][NEWLINE]user: Oh, is that right? On that last part on divorce papers, if i get something that proves me is me but is with my ex, can i use it?[NEWLINE]agent: Does your ex still share the name with you?[NEWLINE]user: Yeah, she still use it.[NEWLINE]agent: Then you can safely use that document as proof of residence, even if is in her hands.[NEWLINE][BOUNDARY][NEWLINE]user: Can I just do the affidavit at the hearing and not to show up?[NEWLINE]agent: If you submit the affidavit you will not have to appear at the hearing[NEWLINE][BOUNDARY][NEWLINE]user: can I have avoided the suspension?[NEWLINE]agent: Yes, the notice informed you that if you pay all of the tolls, fees or other charges owed to the tolling authority, or have them dismissed or transferred, the suspension will not take effect.[NEWLINE][BOUNDARY][NEWLINE]user: too late now, so I can do the hearing or the one where I don't have to show up?[NEWLINE]agent: yes, you may request an in - person DMV hearing or you may request a hearing by affidavit this is a hearing on paper[NEWLINE]user: what if I do neither?[NEWLINE]agent: your registration will be suspended immediately[NEWLINE][BOUNDARY][NEWLINE]user: what can I do next time, who do I call to pay?


user: we need help with a complaint[NEWLINE]agent: Do you need help protecting your facility license, registration or certification?[NEWLINE]user: no I think it's all good we just need some info[NEWLINE][BOUNDARY][NEWLINE]agent: Would you like to know what to do if a complaint is filed against you?[NEWLINE]user: yes sir[NEWLINE]agent: You will be dealing with the New York State Department of Motor Vehicles. It regulates all Repair Shops, Inspection Stations, Dealers, Vehicle Dismantlers and other related businesses in NYS.[NEWLINE]agent: Do you need information on how to legally operate as a business?[NEWLINE]user: yeah, why not[NEWLINE]agent: You would have to register with DMV.  Once your application is approved you will receive a certificate from DMV.[NEWLINE][BOUNDARY][NEWLINE]user: we did all of that.  can we still operate if we take care of anything we get hit with?[NEWLINE]agent: If you pay your fine and/or penalty or serve out your period of suspension, you will be back in business after complete compliance with whatever the hearing decides.[NEWLINE][BOUNDARY][NEWLINE]user: what if we are offered a deal and we reject it after they investigate the complaint?


user: Is there a listing of the TOS for a MyDMV account?[NEWLINE]agent: There is a listing of 48 Terms of Service for a MyDMV account.[NEWLINE]agent: Are you registering for an account on MyDMV?[NEWLINE]user: I am trying to register for an account but I don't see where to enter a password.[NEWLINE]agent: When you register for an account you will be sent a temporary password by e-mail.  You must use that temporary password to complete the rest of the registration process.[NEWLINE]user: Who created MyDMV?[NEWLINE]agent: It was created by the New York State Department of Motor Vehicles DMV in cooperation with the New York State Office of Information Technology Services.[NEWLINE]user: Can I gain access to MyDMV using my passwords for other NYS agencies?[NEWLINE]agent: If you have registered to gain access to use secure web applications at another NYS agency, you can simply sign in using the same Username and Password.[NEWLINE]user: Why does MyDMV validate my identity?[NEWLINE]agent: That process is designed to protect the security of your identifying personal information.[NEWLINE]user: What happens if MyDMV is unable to verify my identity?[NEWLINE]agent: If MyDMV is unable to verify your identity you account will be deactivated and thereafter access to applications and on-line services will be denied and the account will be locked.[NEWLINE]user: What do I need to do to be permitted access to use DMV's secure web applications?


user: What items do I need to bring to the DMV office to transfer registration?[NEWLINE]agent: You would need to bring in the original title or other proof of ownership.[NEWLINE]agent: Do you know how to get quicker service?[NEWLINE]user: No, I do not know the process for quicker service.[NEWLINE]agent: Do you live in other counties besides Westchester, Nassau, Suffolk, Rockland, Onondaga, Monroe or Albany?[NEWLINE]user: No, I live in one of those counties you mentioned.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: Can you tell me what to look for about transferring my vehicle?[NEWLINE]agent: You can look at Buy or Sell a vehicle transfer ownership.[NEWLINE][BOUNDARY][NEWLINE]user: Very well. I would also like to know if there is no problem since I changed my name, is a refund still possible /[NEWLINE]agent:   Yes. Simply Follow these instructions: surrender the vehicle plates at a DMV office and request a transfer receipt, not a refund receipt[NEWLINE][BOUNDARY][NEWLINE]user: I never used my registration, can I get a full  refund for the two years?[NEWLINE]agent: It is possible. the DMV office will issue a receipt that displays " two year refund.[NEWLINE]user: Is there an application process for this?


user: hi i need i should take to the DMV office[NEWLINE]agent: of course to transfer a registration to another vehicle you need to carry the original title or other proof of ownership[NEWLINE]agent: do you want a faster service?[NEWLINE]user:  Yes of course[NEWLINE]agent: For faster service, make an online reservation before visiting offices in New York, Westchester, Nassau, Suffolk, Rockland, Onondaga, Monroe or Albany counties.[NEWLINE][BOUNDARY][NEWLINE]user: One more thing I can change the name on the vehicle registration or on the certificate of title to someone else's name. What if I change the name?[NEWLINE]agent: That's a problem. You can't change the name on the vehicle registration or the title certificate to the name of another person. You need to transfer the ownership of the vehicle[NEWLINE][BOUNDARY][NEWLINE]user: I'm just curious if I'll be able to get a refund. What happens if anyone refuses to move their registration?[NEWLINE]agent: If you do not want to transfer the registration, you must deliver the vehicle plates to the DMV. You may be eligible for a refund if you turn in the plates before registration expires.[NEWLINE][BOUNDARY][NEWLINE]user: I'd like to know if I need to surrender my motorcycle plates if I do not want to transfer the registration of my vehicle?[NEWLINE]agent: No you do not need to surrender motorcycle plates.[NEWLINE][BOUNDARY][NEWLINE]user: I'd also like to locate the DMV headquarters. What else can I bring with me?[NEWLINE]agent: You must fill out a completed Application for Registration / Title PDF MV-82[NEWLINE]user: What if someone does not want to transfer the record?[NEWLINE]agent: You must deliver the vehicle plates to the DMV[NEWLINE]user: and should I carry the license?[NEWLINE]agent: is correct you must carry a New York State Driver's License[NEWLINE][BOUNDARY][NEWLINE]user: What if I don't have any of that evidence?


user: Hello I need information about how to transfer a vehicle[NEWLINE]agent: of course you can see the section Buy or sell a vehicle transfer property[NEWLINE]agent: don't you have some of these tests found there?[NEWLINE]user: Yes[NEWLINE]agent: look at other types of tests you can use.[NEWLINE][BOUNDARY][NEWLINE]user: Can I provide a copy of my insurance ID?[NEWLINE]agent: Yes. However the DMV will not accept a card if the DMV barcode reader can not read scan the barcode[NEWLINE][BOUNDARY][NEWLINE]user: Is it okay if I just carry a copy of the Certificate of Title?[NEWLINE]agent: Must carry original New York State Certificate of Title or certified copy, not a photocopy with property transfer section completed by seller[NEWLINE][BOUNDARY][NEWLINE]user: What will be the issue if I changed the name on the registration of my vehicle?[NEWLINE]agent: That's a problem. You can't change the name on the vehicle registration or the title certificate to the name of another person. You need to transfer the ownership of the vehicle[NEWLINE][BOUNDARY][NEWLINE]user: Alright. I'd also like to know if I do not want to transfer the registration of my vehicle, should I deliver the plates to DMV instead?[NEWLINE]agent: If you do not want to transfer the registration, you must deliver the vehicle plates to the DMV. You may be eligible for a refund if you turn in the plates before registration expires.[NEWLINE][BOUNDARY][NEWLINE]user: And what should I bring if the vehicle is a 1972 model year or older?[NEWLINE]agent: You must bring an original or certified copy of the New York State transferable record, not a photocopy and a bill of sale[NEWLINE]user: and what vehicles can be transferred?


user: do I need the title to transfer a registration to another car?[NEWLINE]agent: Yes,you will need the original title[NEWLINE]agent: Do you want to get this over as quick as possible?[NEWLINE]user: yes I would I hate the DMV[NEWLINE]agent: Okay, for quicker service you can make a reservation online before visiting offices in New York City, Westchester, Nassau, Suffolk, Rockland, Onondaga, Monroe or Albany Counties.[NEWLINE][BOUNDARY][NEWLINE]user: ok, other questions I have are how could I request a full refund for two years if my registration was never used? Is there an application process for this?[NEWLINE]agent: Yes. You can apply for a refund of the 2-year registration fee ONLY if the registration was never used and it is not more than 60 days from the date the registration was issued.[NEWLINE][BOUNDARY][NEWLINE]user: leave the ID thrown in texas where a cousin What can I do if I don't have any ID when I make this transfer?[NEWLINE]agent: There are other kinds of proof you can use.[NEWLINE][BOUNDARY][NEWLINE]user: Could you tell me where could I get more information about the insurance that I need?[NEWLINE]agent: The New York State Department of Financial Services website has more information about liability insurance and insurance companies licensed in New York : http://www.dfs.ny.gov[NEWLINE][BOUNDARY][NEWLINE]user: Do you have any information about how to transfer a car after it has been sold?[NEWLINE]agent: Yes, I can give you a link so you can look at more information.[NEWLINE][BOUNDARY][NEWLINE]user: what if I want to make a reservation but I'm not in one of those locations you listed?[NEWLINE]agent: I can help you look up office locations and hours.[NEWLINE][BOUNDARY][NEWLINE]user: can I print out a copy of the title when I am doing the transfer?


user: What should I bring to a DMV office?[NEWLINE]agent: original title or other proof of ownership 1[NEWLINE]user: how do i get faster service[NEWLINE]agent: make a reservation online before visiting offices in New York City, Westchester, Nassau, Suffolk, Rockland, Onondaga, Monroe or Albany Counties.[NEWLINE][BOUNDARY][NEWLINE]user: I want to know if I need a refund, how do I get it?[NEWLINE]agent: Yes it is possible When you surrender your plates.[NEWLINE][BOUNDARY][NEWLINE]user: is it an easy process to get a full 2 year refund?[NEWLINE]agent: Yes.  you can apply for a refund of the 2-year fee that you paid when you renewed the registration[NEWLINE][BOUNDARY][NEWLINE]user: I changed my name, is a refund still possible/[NEWLINE]agent:   Yes. Simply Follow these instructions: surrender the vehicle plates at a DMV office and request a transfer receipt, not a refund receipt[NEWLINE][BOUNDARY][NEWLINE]user: I never used my registration, can I get a full  refund for the two years?[NEWLINE]agent: It is possible. the DMV office will issue a receipt that displays " two year refund.[NEWLINE]user: Is there an application process for this?


user: do I need the title to transfer a registration to another car or do you have it on record?[NEWLINE]agent: You will need the original title or other proof of ownership to transfer a registration to another vehicle[NEWLINE]agent: Would you like some tips to make your DMV visit go smoother?[NEWLINE]user: no[NEWLINE]agent: Do you need the office hours for any locations to help you with your visit?[NEWLINE]user: no, I want to know about car plates[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: I haven't transferred a registration before so I want to know if I have to get new plates when I do it?[NEWLINE]agent: You can transfer the vehicle plates you have along with the registration to another vehicle you own[NEWLINE][BOUNDARY][NEWLINE]user: understood I will pass the plates that I have now. What if I changed the name?[NEWLINE]agent: That's a problem. You can't change the name on the vehicle registration or the title certificate to the name of another person. You need to transfer the ownership of the vehicle[NEWLINE][BOUNDARY][NEWLINE]user: Anything else about Proof of ownership?[NEWLINE]agent: As I said, the proofs of ownership needed to register and title a vehicle in New York are different for different types of vehicles, for example, cars, trailers, boats, snowmobiles, manufactured homes[NEWLINE][BOUNDARY][NEWLINE]user: Any tip for buying a vehicle?


user: What items do I need to bring to the DMV office when transferring a registration to another vehicle?[NEWLINE]agent: You would need an original title or other proof of ownership.[NEWLINE]agent: Would you like to know about quicker service?[NEWLINE]user: Yes, I would I get quicker service at the DMV?[NEWLINE]agent: Actually you can make a reservation online before visiting the DMV office in NY City, West Chester, Nassau, Suffolk, Rockland, Onondaga, Monroe or Albany Counties and this will get you right in.[NEWLINE][BOUNDARY][NEWLINE]user: Got it.  For another registration-related issue. What about the ownership proof?[NEWLINE]agent: The proofs of ownership needed to register and title a vehicle in New York are different for different types of vehicles, cars, trailers, boats, snowmobiles, manufactured homes. Get proof of ownership at purchase.[NEWLINE][BOUNDARY][NEWLINE]user: I'd like to ask another question about the DMV. What happens if I don't want my registration to be transferred?[NEWLINE]agent: It is actually simple, you just have to surrender the vehicle plates to the DMV and you might get a refund if you surrender the plates before they expire.[NEWLINE][BOUNDARY][NEWLINE]user: I'd like to inquire about a registration refund. Is it possible for me to temporarily relinquish my plates?[NEWLINE]agent: Yes, you can do that.  You can look under special procedures to surrender plates for a season or temporary surrender of plates.[NEWLINE][BOUNDARY][NEWLINE]user: I have another question for you about plate surrender. What if I don't have the proof required by the DMV?[NEWLINE]agent: Then you would have to see the other kinds of proof you can use.[NEWLINE]user: what if the model year is 1972 or older?[NEWLINE]agent: If your model year is 1972 or older then you need a NY State Transferable Registration original or certified copy, and it can not be a photocopy and a bill of sale.[NEWLINE]user: What if the vehicle is a model year 1973 or newer?


user: How can I find out about transferring a vehicle?[NEWLINE]agent: You can look at Buy or sell a vehicle transfer ownership.[NEWLINE]agent: Do you not have the proof we need?[NEWLINE]user: Yes, I do not have the proof you need.[NEWLINE]agent: Then you would need to look at the other kinds of proof you can use on our guides.[NEWLINE][BOUNDARY][NEWLINE]user: Another thing with proof of ownership. Is there something else I should know about Proof of Ownership?[NEWLINE]agent: As I said, the proofs of ownership needed to register and title a vehicle in New York are different for different types of vehicles, for example, cars, trailers, boats, snowmobiles, manufactured homes[NEWLINE][BOUNDARY][NEWLINE]user: Could you tell me on what proof of identity should I provide if I'm going to transfer the ownership of my vehicle?[NEWLINE]agent: You can use a NY State driver license or learner permit.[NEWLINE]user: On a somewhat related note to completing the PD-7 by mail.  Would it instead be possible for you to send me a form online to be able to accomplish this before I get into a branch?[NEWLINE]agent: I can only send you one via mail to the address on the plate registration, but I would be happy to do that.[NEWLINE]user: Good to know. Another thing for my proof of identity, can I use an expired driver ID card?[NEWLINE]agent: Yes, you can use a expired less than 2 years driver ID card as proof of identity and age.[NEWLINE]user: Can more than one vehicle have the same registration?[NEWLINE]agent: Yes, two vehicles can if you have the same type of registration.[NEWLINE]user: My car is model year 1972 what do I do?[NEWLINE]agent: You would have to have a NY State Transferable Registration original or certified copy and not a photocopy, and bill of sale.[NEWLINE]user: What if my car model is 1973 or older?


user: What needs to be done when I sell my vehicle?[NEWLINE]agent: When  you sell a vehicle you need to transfer the registration. To do this you need to take either the original title or other proof of ownership to a DMV office.[NEWLINE]agent: In which state is the vehicle registered?[NEWLINE]user: In NYC.[NEWLINE]agent: As the vehicle is registered in New York City, to facilitate quicker service, you can make a reservation online before visiting the DMV office.[NEWLINE][BOUNDARY][NEWLINE]user: What is proof of ownership? are they different for each vehicle?[NEWLINE]agent: The proofs of ownership needed to register and title a vehicle in New York are different for different types of vehicles, cars, trailers, boats, snowmobiles, manufactured homes. Get proof of ownership at purchase.[NEWLINE][BOUNDARY][NEWLINE]user: What about the ownership proof? What if I don't have a valid driver's license?[NEWLINE]agent: If you don't have a current driver ID card there are other kinds of proof that you can use.[NEWLINE]user: Another question for you about the US Postal Service: If we send them in, how would we be informed that they were received?[NEWLINE]agent: We  will mail you a FS-6 T receipt if we receive them.[NEWLINE][BOUNDARY][NEWLINE]user: OK fine. Now regarding that I don't have a driver id card. What are the other types of evidence?[NEWLINE]agent: You can check the hours of operation by calling your local DMV office.[NEWLINE]user: What forms are required to transfer the registration of a vehicle?[NEWLINE]agent: You will be a completed Application for Registration/Title MV-82 form.[NEWLINE]user: What happens if I don't want to transfer the registration?


user: Do I need to bring the title when I transfer a registration from one car to another car?[NEWLINE]agent: You will need the original title or other proof of ownership.[NEWLINE]agent: Did you want to get through your DMV visit quickly?[NEWLINE]user: yes, who doesn't[NEWLINE]agent: For quicker service you can make a reservation online before visiting offices in New York City, Westchester, Nassau, Suffolk, Rockland, Onondaga, Monroe or Albany Counties.[NEWLINE][BOUNDARY][NEWLINE]user: I need more additional details about the refunds. Can you send me an estimate of how much money I'll get back?[NEWLINE]agent: I sure can!  Here is an example to show how your refund amount is determined.    You paid $ 137.50 to register your vehicle for two years[NEWLINE]user: OK thanks. I'd also want to find out the Transfer of a vehicle. can I bring a printer copy for my title?[NEWLINE]agent: You will need the original or certified copy[NEWLINE][BOUNDARY][NEWLINE]user: I'd like to ask if it is possible for me to surrender my plates temporarily?[NEWLINE]agent: Yes, you can do that.  You can look under special procedures to surrender plates for a season or temporary surrender of plates.[NEWLINE][BOUNDARY][NEWLINE]user: Do you have any additional information that I can use to learn more about transferring titles of my vehicle?[NEWLINE]agent: Yes, I can give you a link so you can find out more on how to transfer the ownership of a vehicle.[NEWLINE]user: can I still do a transfer if I don't have an ID?[NEWLINE]agent: yes, there are other kinds of proof you can use.[NEWLINE][BOUNDARY][NEWLINE]user: what does one do if they don't want to transfer a registration? do we have to tell you about it?[NEWLINE]agent: You will have to surrender the vehicle plates to the DMV.  You may be eligible to receive a refund if you surrender the plates before the registration expires.[NEWLINE]user: do you have a list of things I should have ready so I'm prepared?


user: Hello, I received a letter stating that my insurance has expired. What I can do?[NEWLINE]agent: The letter means that your insurance company notified DMV that your insurance coverage ended, and that no other company notified DMV of new coverage.[NEWLINE]agent: and do you have insurance?[NEWLINE]user: do not[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE]user: and when would I have to turn in the registration?[NEWLINE]agent: If you don't have insurance, you must deliver your vehicle registration and license plates to the DMV immediately.[NEWLINE][BOUNDARY][NEWLINE]user: I'd also want to find out my insurance expires, what can happen?[NEWLINE]agent: In that case the DMV can suspend your registration and driver's license.[NEWLINE][BOUNDARY][NEWLINE]user: and where do I get the FS-2 form?[NEWLINE]agent: Form FS-2 is only available at a local DMV office.[NEWLINE][BOUNDARY][NEWLINE]user: If I am suspended, what do I do?


user: Hello I need information about How do I respond to the letter or request?[NEWLINE]agent: Your required response, either   prove you have insurance coverage    proof that you sold the vehicle[NEWLINE]agent: What do I do if I have insurance coverage?[NEWLINE]user: do not[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: What should I do if there is a problem?[NEWLINE]agent: If there is a problem, it is your responsibility to resolve it.[NEWLINE]user: Do you know the consequences of the expiration of my insurance? How would the DMV act?[NEWLINE]agent: In that case the DMV can suspend your registration and driver's license.[NEWLINE][BOUNDARY][NEWLINE]user: and where do I get the FS-2 form?[NEWLINE]agent: Form FS-2 is only available at a local DMV office.[NEWLINE][BOUNDARY][NEWLINE]user: If I am suspended, what do I do?


user:  I received a Letter that states my license is suspended. What can I do?[NEWLINE]agent: The letter means your insurance company notified the DMV that your insurance coverage ended, and that no other company notified the DMV about new coverage[NEWLINE]agent: you have insurance[NEWLINE]user: yes[NEWLINE]agent: follow the instructions in the letter and contact your company or agent about the problem. Ask your company to file a notice of coverage with the DMV electronically[NEWLINE][BOUNDARY][NEWLINE]user: Could I get a refund when I deliver my plates?[NEWLINE]agent: It depends.  You need to go to registrations refunds for surrendered plates to get more information.[NEWLINE][BOUNDARY][NEWLINE]user: If i received a Letter that states my license is suspended. What can I do?[NEWLINE]agent:  you must surrender your plates[NEWLINE][BOUNDARY][NEWLINE]user: I have another question about Suspension Termination, what does it mean if my license is suspended?[NEWLINE]agent: There are two different types of suspensions.[NEWLINE][BOUNDARY][NEWLINE]user: Surrender your vehicle registration and plates to the DMV immediately If I don't have insurance?[NEWLINE]agent: you need to surrender your vehicle registration and plates to the DMV immediately[NEWLINE]user: when the license is suspended?[NEWLINE]agent: A driver license becomes suspended when the lapse is 91 days or more or if the time period of the lapse has not yet been determined. To determine the lapse periodsthe plates must be surrendered[NEWLINE][BOUNDARY][NEWLINE]user: I received an insurance 'letter' or 'order' from the DMV. What can I do?[NEWLINE]agent:  Read the letter or order see a sample carefully, answer it quickly, and contact your insurance company immediately[NEWLINE][BOUNDARY][NEWLINE]user: if the insurance is canceled?


user: I received a Letter that states my insurance lapsed. What can I do?[NEWLINE]agent:  The letter means your insurance company notified the DMV that your insurance coverage ended, and that no other company notified the DMV about new coverage[NEWLINE]agent: If i have insurance?[NEWLINE]user: yes[NEWLINE]agent: follow the instructions in the letter and contact your company or agent about the problem. Ask your company to file a notice of coverage with the DMV electronically[NEWLINE][BOUNDARY][NEWLINE]user: On the subject of suspensions of a similar nature. What does it mean if my driver's license is revoked?[NEWLINE]agent: There are two different types of suspensions.[NEWLINE][BOUNDARY][NEWLINE]user: What are the different types of suspensions? I received a letter stating that my license is suspended. What I can do?[NEWLINE]agent:  The letter means your insurance company notified the DMV that your insurance coverage ended, and that no other company notified the DMV about new coverage[NEWLINE][BOUNDARY][NEWLINE]user: I'd also like to hear about the suspension of a driver's license. Is it also necessary for me to surrender my motorcycle plates?[NEWLINE]agent: No you do not need to surrender motorcycle plates.[NEWLINE][BOUNDARY][NEWLINE]user: Do you also know about my vehicle registration? will it be expired? I have insurance, what can I do?[NEWLINE]agent: Ask your company to file a notice of coverage with the DMV electronically[NEWLINE][BOUNDARY][NEWLINE]user: and if I don't have insurance[NEWLINE]agent: you need to surrender your vehicle registration and plates to the DMV immediately[NEWLINE][BOUNDARY][NEWLINE]user: Can DMV suspend your vehicle registration and driver's license?


user: How do I respond to the letter or order?[NEWLINE]agent: Your response must eithersprove that you have insurance coveragesprove that you sold the vehicle[NEWLINE]agent: you have insurance coverage?[NEWLINE]user: not[NEWLINE]agent:  also ask your insurance company do not ask your agent or broker to file an electronic notice of insurance coverage with the DMV[NEWLINE][BOUNDARY][NEWLINE]user: Do I also have to deliver the motorcycle plates?[NEWLINE]agent: No you do not need to surrender motorcycle plates.[NEWLINE][BOUNDARY][NEWLINE]user: What should I do if I have received an insurance 'letter' or 'order' from the DMV?[NEWLINE]agent: Do notr use your vehicle if your insurance coverage is cancelled, even if you think it is a mistakes keep the plates while you resolve a problem with your insurance company 1[NEWLINE][BOUNDARY][NEWLINE]user: Are you not aware of the suspension's termination? What does it mean if my driver's license is revoked?[NEWLINE]agent: There are two different types of suspensions.[NEWLINE][BOUNDARY][NEWLINE]user: I got it. Another question I have - to the DMV. you don't have insurance[NEWLINE]agent: you need to surrender your vehicle registration and plates to the DMV immediately[NEWLINE]user:  If i are not going to immediately replace my insurance coverage[NEWLINE]agent: you must surrender your plates[NEWLINE][BOUNDARY][NEWLINE]user: What must I do if I don t have liability insurance?


user: Hello I received a 'letter' or 'order' from DMV insurance. What I can do?[NEWLINE]agent: Read the letter or order, view a sample carefully, respond quickly, and contact your insurance company immediately.[NEWLINE]agent: what if i have a problem[NEWLINE]user: do not[NEWLINE]agent: have you not solved the problem?[NEWLINE]user: Yes[NEWLINE]agent: The DMV can suspend your vehicle registration and driver's license.[NEWLINE]user: One other thing, about DMV license suspension, what does it mean if my license is suspended?[NEWLINE]agent: There are two different types of suspensions.[NEWLINE]user: I'd like to ask another insurance issue. What happens if I have an insurance problem?[NEWLINE]agent: In that case it is your responsibility to solve it.[NEWLINE][BOUNDARY][NEWLINE]user: On a related note, regarding  license suspensions, can someone else turn in the plates for me?


user: Hey, i need some guidance with certain letter i received some days ago about insurance, Could you help me out?[NEWLINE]agent: Sure. The letter you received is meant to notify you that your insurance coverage has ended, and DMV hasn't received any new insurance coverage notification from any other company.[NEWLINE]agent: Do you have insurance already?[NEWLINE]user: Yeah, in fact, i have one.[NEWLINE]agent: Then, do not worry about. Just follow the proper procedure written down in the letter and contact your insurance company or agent, to talk about the problem. Most probable thing would be to ask your company to file a notice of coverage with the DMV via electronic.[NEWLINE][BOUNDARY][NEWLINE]user: I have another question about the termination fee for a pay suspension. What does it mean if my driver's license has been suspended?[NEWLINE]agent: There are two different types of suspensions.[NEWLINE][BOUNDARY][NEWLINE]user: That sounds easy enough, actually. I'll make sure to do it ASAP.  In any case, is there any advice you can give me?[NEWLINE]agent: For starters, do go and use your vehicle while your coverage is cancelled. Besides, please keep your plates with you while your problem is resolved with your insurance company.[NEWLINE][BOUNDARY][NEWLINE]user: Another question about the charges from county motor vehicle offices. Will I get a refund once I surrender the plates?[NEWLINE]agent: It depends.  You need to go to registrations refunds for surrendered plates to get more information.[NEWLINE][BOUNDARY][NEWLINE]user: Please another question, a friend of mine just had her driver's license revoked, but she has no idea for how long. How does she know?[NEWLINE]agent: For that, she'll have to go through the DMV process, but it would imply that her registration must expire or her plates must be transferred to another vehicle by DMV or DMV must receive proof of new or reinstated insurance.[NEWLINE][BOUNDARY][NEWLINE]user: Sorry but, you said earlier that about my insurance being lapsed, all i had to do is to contact my insurance agent to fix the problem, right?[NEWLINE]agent: That's correct. And do not forget to ask them to file the notice of coverage with the DMV electronically.[NEWLINE]user: Lets say, i mean, lets guess i don't have any insurance, what would happen there?


user: I'm here on an insurance matter[NEWLINE]agent: Are you in a situation where you do not have insurance or it is about to expire and you don't plan to replace it?[NEWLINE]user: no, I have it[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: what do I do if I have insurance but you tell me that I don't have it?[NEWLINE]agent: You need to follow the instructions in the letter and contact your company or agent about the problem.  Ask your insurance company to file a notice of coverage with the DMV electronically.[NEWLINE][BOUNDARY][NEWLINE]user: I also want to ask what if my plates are lost. Can I also return the registration and receive a new one?[NEWLINE]agent: Were the plates lost/stolen or destroyed?[NEWLINE][BOUNDARY][NEWLINE]user: I received a letter that states my license is suspended. What am I supposed to do in this situation?[NEWLINE]agent: You need to follow the instructions in the letter and contact your company or agent about the problem.  Ask your company to file a notice of coverage with the DMV electronically.[NEWLINE][BOUNDARY][NEWLINE]user: ok I hope they do, what happens if they suspend my license, how can I solve it?[NEWLINE]agent: There are two different types of suspensions.[NEWLINE][BOUNDARY][NEWLINE]user: What if I let my insurance expire for a period of time but still have coverage?[NEWLINE]agent: Once the lapse is determined, the registration and, if the lapse period is 91 days or more, your driver license will also be suspended for the same number of days. The suspensions may not be effective on the same date.[NEWLINE]user: what happens if my license is suspended and I lose my insurance again?[NEWLINE]agent: If that happens you will need to surrender your vehicle registration and plates to the DMV immediately[NEWLINE][BOUNDARY][NEWLINE]user: but for now I can drive since it is a mistake and I am covered and not suspended so nothing will happen to me right?


user: Hello, can you explain what I have to do if I don't have a liability insurance?[NEWLINE]agent: Do you NOT have insurance, or is it just about to expire and you don t plan to replace it?[NEWLINE]user: Yes, I don't have insurance currently.[NEWLINE]agent: In that case you need to surrender your vehicle plates to the DMV immediately.[NEWLINE][BOUNDARY][NEWLINE]user: The other day I also got a letter in the mail saying that my insurance lapsed. I have insurance, so what should I do in that situation?[NEWLINE]agent: Simply follow the instructions in the letter and contact your company or agent about the problem. Ask your company to file a notice of coverage with the DMV electronically.[NEWLINE][BOUNDARY][NEWLINE]user: If my registration is suspended due to an insurance expiration, can someone else register the vehicle?[NEWLINE]agent: I sincerely hope you can. Regarding your question, sorry but that answer is no. DMV won't issue a new registration if some kind of attempt for avoiding suspensions is detected.[NEWLINE][BOUNDARY][NEWLINE]user: And there is no chance to remove that suspension?[NEWLINE]agent: Well, there's a possibility, but only if you're eligible. If that's the case, you can just pay the optional civil penalty for the entire length of the lapse suspended.[NEWLINE]user: And if i get suspended?


user: I got an insurance letter from you guys so I am here for help[NEWLINE]agent: Okay, you should read the letter or order carefully, answer it quickly, and contact your insurance company immediately.[NEWLINE]user: I did read it, can you fix it[NEWLINE]agent: It is your responsibility to resolve it[NEWLINE][BOUNDARY][NEWLINE]user: what happens if I don't plan on getting insurance because I'm poor?[NEWLINE]agent: If you are not going to immediately replace your insurance coverage, you must surrender your plates.[NEWLINE]user: I promise I'll do my best not to get involved in that. By the way, if I am unable to register my vehicle due to an insurance issue, can anyone else do so?[NEWLINE]agent: I sincerely hope you can. Regarding your question, sorry but that answer is no. DMV won't issue a new registration if some kind of attempt for avoiding suspensions is detected.[NEWLINE][BOUNDARY][NEWLINE]user: And there is no chance to remove that suspension?[NEWLINE]agent: Well, there's a possibility, but only if you're eligible. If that's the case, you can just pay the optional civil penalty for the entire length of the lapse suspended.[NEWLINE]user: And if i get suspended?


user: Tell me about how to replace or transfer personalized plates[NEWLINE]agent: Do you have to replace personalized plates?[NEWLINE]user: Not now, I just need info about it.[NEWLINE][BOUNDARY][NEWLINE]agent: Are your personalized plates old or damaged?[NEWLINE]user: Yes, my plates are old[NEWLINE]agent: To replace them, you can call to the Custom Plates Unit at 1-518-402-4838. Office hours are 8:00am - 4:00pm, Monday through Friday[NEWLINE][BOUNDARY][NEWLINE]user: Another concern about my request for replacement, what happens after the checks are completed?[NEWLINE]agent: Inspection stations electronically send a record of all emissions inspections to the DMV.[NEWLINE]agent: Did your inspection tag expire more than 60 days ago?[NEWLINE]user: do not[NEWLINE]agent: do you have the inspection label?[NEWLINE]user: yes i don't have the inspection tag[NEWLINE]agent: If there is no inspection tag, the fine is between $ 50 and $ 100. A mandatory state surcharge of $ 88 $ 93 is added to the fine in city and town courts.[NEWLINE]user: and can you even receive it in the parking lot?


user: Do you have a list of voter registration application FAQs?[NEWLINE]agent: Do you need to know list of how you are eligible to register to vote in New York State?[NEWLINE]user: Yes, I need the list of what I need to know if I am eligible to register to vote in NY State.[NEWLINE]agent: You must be a U.S. Citizen and be 18 years old by the end of this year to be eligible to register vote in NY State.[NEWLINE][BOUNDARY][NEWLINE]user: What topic online do I have to look under?[NEWLINE]agent: You should look under the topic "More Info".[NEWLINE][BOUNDARY][NEWLINE]user: May I drive without a supervising driver if I have a driver's license from another country and a New York State learners permit?[NEWLINE]agent: Yes. Your valid foreign driver's license allows you to drive without a supervising driver. You can drive on any street, highway, highway, bridge or tunnel, except in a DMV road test area....[NEWLINE]user: What if my password is not in English?[NEWLINE]agent: If your driver's license is printed in any language except English, you must submit an International Driving Permit or a certified translation of your driver's license to the test drive. The translation must be certified by a consulate, the United States Department of State or another official agency.[NEWLINE][BOUNDARY][NEWLINE]user: and if i become a new york resident, should i apply for a license from that state?[NEWLINE]agent: If you move to New York State and become a resident, you must obtain a New York State driver's license within 30 days.[NEWLINE][BOUNDARY][NEWLINE]user: and if the person is not a US citizen. USA Can you get a New York driver's license, a permit, or a non-driver ID card?


user: Please, give me additional information[NEWLINE]agent: Do you want to change your name?[NEWLINE]user: No, I don't[NEWLINE][BOUNDARY][NEWLINE]agent: Do you have flood damage?[NEWLINE]user: Yes, I have[NEWLINE]agent: Check the National Insurance Crime Bureau database to see if a vehicle is flood damaged. You will need the Vehicle Identification Number VIN[NEWLINE][BOUNDARY][NEWLINE]user: What about the proof of ownership?[NEWLINE]agent: The proofs of ownership needed to register and title a vehicle in New York are different for different types of vehicles, cars, trailers, boats, snowmobiles, manufactured homes. Get proof of ownership at purchase.[NEWLINE][BOUNDARY][NEWLINE]user: What if I changed the name?[NEWLINE]agent: That's a problem. You can't change the name on the vehicle registration or the title certificate to the name of another person. You need to transfer the ownership of the vehicle[NEWLINE][BOUNDARY][NEWLINE]user: One more question about my vehicle registration, what if I don't want to transfer the registration?


user: Hello, I need some help with my application for student aid, please.[NEWLINE]agent: a[NEWLINE][BOUNDARY][NEWLINE]agent: a[NEWLINE]user: a[NEWLINE][BOUNDARY][NEWLINE]agent: a[NEWLINE]user: a[NEWLINE][BOUNDARY][NEWLINE]user: a[NEWLINE]agent: a[NEWLINE][BOUNDARY][NEWLINE]user: What if my parents are unwilling to provide their information on my FAFSA form?[NEWLINE]agent: You would have to choose the one that says I am unable to provide info about my parent.[NEWLINE][BOUNDARY][NEWLINE]user: Why would I use my stepparents info?


user: I wanted to know about career options[NEWLINE]agent: we can give you a link so you can look at more information[NEWLINE]agent: Do you love working with animals?[NEWLINE]user: no, what else you got?[NEWLINE]agent: Do you like working with computers?[NEWLINE]user: I use them but wouldn't care to work on computer related things, anything else?[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: Do you have any info for the parents to look at?[NEWLINE]agent: Is this information for a parent that is planning ahead for a child's higher education?[NEWLINE]user: yes it is[NEWLINE]agent: We have resources for parents to learn more about saving early, finding tax breaks, and understanding parent loans to help support their child's college journey.[NEWLINE][BOUNDARY][NEWLINE]user: do you have any info on how college can help me?


user: hello i would like to get information about new applicants[NEWLINE]agent: You are not currently on an income-based plan and want to apply?[NEWLINE]user: yes[NEWLINE]agent: You can request an income-based payment plan that limits your payments to a percentage of your income.[NEWLINE][BOUNDARY][NEWLINE]user: and what can I do if my income has changed?[NEWLINE]agent: In that case, you can request that your income-based payment be recalculated to reduce your current monthly payment.[NEWLINE][BOUNDARY][NEWLINE]user: Also, I need to find out Loan Application. Wait, can you describe the Direct PLUS loan application again?[NEWLINE]agent: Of course. This is a request for supplemental information in connection with your application for a Federal Direct PLUS Loan Direct PLUS Loan through the William D. Ford Federal Direct Loan Direct Loan Program. Some schools may have a different process for obtaining the additional information needed to process your Direct PLUS Loan application.[NEWLINE]user: What if I have placed a security freeze on my credit?[NEWLINE]agent: Then you must lift or remove the freeze at each credit bureau before you continue. Your application will not be processed if you have a security freeze.[NEWLINE]user: Do I have to take care of the freeze now or can I do it later?


user: Do student loan deferments allow me to temporarily stop making payments?[NEWLINE]agent: Yes, student loan deferment could help you temporarily stop making payments  and sometimes is the best solution; but it does not help in making progress in paying back your loan.[NEWLINE]user: Are there any other alternatives to consider?[NEWLINE]agent: Actually yes, there is an income-driven repayment plan that you should consider.[NEWLINE][BOUNDARY][NEWLINE]user: another question for you regarding the payment method. Can I request a general clemency if I am temporarily unable to make monthly payments on my scheduled loan?[NEWLINE]agent: Do you have financial difficulties?[NEWLINE]user: not yet[NEWLINE]agent: Do you have medical expenses?[NEWLINE]user: I have no medical expenses[NEWLINE]agent: Have you recently changed jobs?[NEWLINE]user: no[NEWLINE]agent: Do you have acceptable reasons to request a general indulgence?[NEWLINE]user: for now i don't have


user: Will a student loan deferment help me out if i need to stop making payments?[NEWLINE]agent: You can see if a deferment is right for you and you would not have to make a payment but you won't be making any progress toward forgiveness or paying your loan back.[NEWLINE]user: Are there any other alternatives that make sense?[NEWLINE]agent: Yes, you could always try an income-driven repayment.[NEWLINE][BOUNDARY][NEWLINE]user: I'd like to know on what are the requirements to consolidate loans?[NEWLINE]agent: Yes, there are eligibility requirements for receiving a Direct Consolidation Loan.[NEWLINE]agent: Did you want to consolidate a defaulted loan?[NEWLINE]user: none of the loans are in default[NEWLINE]agent: Did you want to consolidate a defaulted loan that is being collected through garnishment of your wages, or that is being collected in accordance with a court order after a judgment was obtained against you?[NEWLINE]user: not that either, no defaulted loans here[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE]user: what if I was to default before consolidating? what do I do?


user:  What is the feedback center for?[NEWLINE]agent:  You can use the feedback center to give us feedback regarding any complaint, issue, concern, suspicious activity, or scam that you are aware of or simply to giving us positive feedback or to review an already submitted case.[NEWLINE]user: What if I don't agree with the response to my submitted complaint?[NEWLINE]agent: In that case, you should follow our procedure for resolving disputes before contacting the Federal Student Aid Ombudsman Group.[NEWLINE][BOUNDARY][NEWLINE]user: Is there anything else I should know about locating the best repayment strategy? How do I begin my repayment plan strategy from the ground up?[NEWLINE]agent: Finding a repayment plan that fits your needs is very important.[NEWLINE][BOUNDARY][NEWLINE]user: How do I get started using the loan simulator?[NEWLINE]agent: The simulator will guide you through a series of questions based on your selections.[NEWLINE][BOUNDARY][NEWLINE]agent: Do you need assistance finding the best repayment strategy for you?[NEWLINE]user: Yes. I would definitely appreciate some help.[NEWLINE]agent: Excellent. We can help you find a repayment plan that best fits your needs and goals.[NEWLINE][BOUNDARY][NEWLINE]user: What important information should I know about using the loan simulator?


user: What is the feedback center?[NEWLINE]agent: The feedback center is important for us because you can submit a complaints for issues, concerns, suspicious activity, or a scam and you  can give us positive feedback or review an already submitted case for Federal Student Aid.[NEWLINE]user: What happens if I submitted a complaint to Federal Student Aid and I got a response I do not agree with?[NEWLINE]agent: If you believe your response is not in agreement with you or believe it is incorrect you should follow our procedure for resolving disputes and you should do this before contacting the Federal Student Aid Ombudsman Group.[NEWLINE][BOUNDARY][NEWLINE]user: Thank you. I'd still like to learn more about loans. What, on the other hand, is the disadvantage of consolidation?[NEWLINE]agent: The consolidation usually increases the period of time you have to repay your loans.[NEWLINE][BOUNDARY][NEWLINE]user: I see... But anyhow, how do I apply for a consolidation of the loan?[NEWLINE]agent: You just need to apply for it, be online or in paper.[NEWLINE]agent: You know what come next you send your application?[NEWLINE]user: Yes, I have an idea about it.[NEWLINE]agent: Great, because your consolidation servicer you selected will complete the action required to consolidate your loan.[NEWLINE][BOUNDARY][NEWLINE]user: There are different repayment plans, right?


user: is this where I go to complain?[NEWLINE]agent: Your feedback is important to us. You can submit a complaint, give us positive feedback, or review an already submitted case.[NEWLINE]user: what can I do next if I don't agree with what Federal Student Aid decided?[NEWLINE]agent: You can follow our procedures for resolving disputes.  We encourage you to do this before you contact the Federal Student Aid Ombudsman Group[NEWLINE][BOUNDARY][NEWLINE]user: By the way, regarding PLUS loans from the Direct Loan Program, how much money can I borrow with a PLUS loan?[NEWLINE]agent: The most you can borrow with a PLUS loan is the cost of attendance at the school your child would attend minus any other financial assistance and the school determines what the cost of attending there is.[NEWLINE][BOUNDARY][NEWLINE]user: What must I do to receive a parent PLUS loan?[NEWLINE]agent: Are you the biological or adoptive parent or a step-parent of a dependent undergraduate student who would be enrolled at least half time?[NEWLINE]user: Yes, I am a parent of a dependent undergraduate student that will be attending full time.[NEWLINE]agent: Do you not have an bad credit history?[NEWLINE]user: Yes, my credit is not bad.[NEWLINE]agent: Do you meet the general eligibility requirements for federal student aid?[NEWLINE]user: No, I do not.


user: I have something to submit about false information that I was given.[NEWLINE]agent: This is the place to submit a complaint an issue, concern, report suspicious activity, scams, or give us positive feedback.[NEWLINE]agent: Have you previously submitted a complaint and Federal Student Aid gave you a response that you didn't agree with?[NEWLINE]user: Yes that's the case.[NEWLINE]agent: In that case, we suggest that you follow our procedure for resolving disputes.[NEWLINE]user: Wouldn't it go faster if I contacted the Ombudsman directly?[NEWLINE]agent: We encourage you to follow our procedure before you contact the Federal Student Aid Ombudsman Group.[NEWLINE][BOUNDARY][NEWLINE]user: I had a relatively good overall experience, can I mention that?[NEWLINE]agent: Of course, that would be beneficial to all in that department.[NEWLINE][BOUNDARY][NEWLINE]user: Is there a way to see what is up with my on going cases?[NEWLINE]agent: You can log on to your account online to view, track, or update your case.[NEWLINE][BOUNDARY][NEWLINE]user: And if I need to talk to someone directly?[NEWLINE][BOUNDARY][NEWLINE]agent: Do you feel that you need to speak directly to an agent?[NEWLINE]user: Yes I might just need to.


user: Did I reach the feedback center?[NEWLINE]agent: Yes you have reached the feedback center and your feedback is very important to us.[NEWLINE]agent: Have you previously submitted a complaint and Federal Student Aid gave you a response you do not agree with?[NEWLINE]user: No, I did not previously submit a complaint.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: Can I log in and manage my case?[NEWLINE]agent: Yes, you can log in and manage your case.[NEWLINE][BOUNDARY][NEWLINE]user: Am I allowed to share positive feedback also?[NEWLINE]agent: Yes, you are allowed to share positive feedback at the feedback center also.[NEWLINE][BOUNDARY][NEWLINE]user: Can you help me?[NEWLINE][BOUNDARY][NEWLINE]agent: Do you want to speak to an agent?[NEWLINE]user: Yes, I would like to speak directly to an agent about my feedback.


user: Hello there. I'm here to ask a few things about submitting feedback.[NEWLINE]agent: Then you're in the right place, your feedback is important to us. You can submit a complaint an issue, concern, suspicious activity, or scam, give us positive feedback, or review an already submitted case.[NEWLINE]agent: Have you previously submitted a complaint and Federal Student Aid gave you a response you don't agree with?[NEWLINE]user: No, there was no problem.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: I mean, I can submit a complaint, right?[NEWLINE]agent: Yes, you can submit a complaint or report a suspicious activity or scam, on behalf of yourself or someone else.[NEWLINE][BOUNDARY][NEWLINE]user: What if I don't agree with the response, like you already hinted at?[NEWLINE]agent: If you believe the response is incorrect, follow our procedure for resolving disputes. We encourage you to do this before you contact the Federal Student Aid Ombudsman Group.[NEWLINE][BOUNDARY][NEWLINE]user: Will do. Is there way I can manage my cases online?[NEWLINE]agent: Yes, you can manage your cases online.[NEWLINE][BOUNDARY][NEWLINE]user: What if I wish to speak to an agent? I mean, actually talk to someone.


user: Why is their a feedback center for Federal Student Aid?[NEWLINE]agent: We have a feedback center because it is important to us to find out complaints for issues, concerns, suspicious activity, or scam, and it helps to give us positive feedback also.[NEWLINE]agent: Have you previously submitted a complaint and Federal Student Aid gave you a response you are not in agreement with?[NEWLINE]user: No I have not received a response back.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: Am I allowed to submit a complaint on behalf of someone else?[NEWLINE]agent: Yes, you can submit a complaint on behalf of someone else or for yourself.[NEWLINE][BOUNDARY][NEWLINE]user: I have it, I was saying it because I have an aunt who has a problem and can't come here so he was going to do me the favor. How do I get a copy of my SAR if I can't log into the fafsa.gov website?[NEWLINE]agent: You can contact the Federal Student Aid Information Center at 1-800-4-FED-AID 1-800-433-3243. You request a copy of your SAR through this phone service and a copy will be sent to you via the mail, please allow 10-14 days for delivery[NEWLINE][BOUNDARY][NEWLINE]user: When looking at my SAR, I noticed a mistake. What can I do to rectify this?[NEWLINE]agent: Have you reviewed your SAR fully and found there to be errors present?


user: Hi there, could you explain to me what exactly the function of the Feedback Centre in relation to Student Aid is?[NEWLINE]agent: The Feedback Center is a useful function that allows you to submit an array of things, including submitting complaints, any concerns you may have, any suspicious activity that you encounter. You can also use this Center to give positive feedback or review cases that have already been submitted[NEWLINE]user: I have already submitted a complaint to the Feedback Center and don't agree with the response I received. Have I any further recourse?[NEWLINE]agent: If you receive a response in relation to a complaint that you don't agree with or that you believe to be incorrect, you should follow the procedure to resolve disputes. You are advised to do this before you contact the Federal Student Aid Ombudsman Group[NEWLINE][BOUNDARY][NEWLINE]user: How do I manage my own personal cases within the Feedback Center?[NEWLINE]agent: You can log in to your account where you can view, track or update your own cases[NEWLINE][BOUNDARY][NEWLINE]agent: Is there anything in particular that we can help you with at this moment  in relation to managing your cases with the Feedback Center?[NEWLINE]user: No, I have nothing in particular that I need help with, thanks[NEWLINE][BOUNDARY][NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE]user: What in particular do I need to do to manage my own personal cases within the Feedback Center?[NEWLINE]agent: When you log into your account in the Center, you then click on Manage Cases[NEWLINE][BOUNDARY][NEWLINE]user: Is there anywhere within the Feedback Center where I can share positive feedback in relation to my financial aid experience?


user: Hello, I'd like to submit some feedback on my experience.[NEWLINE]agent: Yes you can submit a complaint, an issue, concern, suspicious activity, or scam, give us positive feedback, or review an already submitted case.[NEWLINE]agent: Have you previously submitted a complaint and Federal Student Aid gave you a response you didn't agree with?[NEWLINE]user: Yes that is the case.[NEWLINE]agent: In that case follow our procedure for resolving disputes.[NEWLINE][BOUNDARY][NEWLINE]user: And how do I subsequently check on my case?[NEWLINE]agent: You can log in to your account to view, track, or update your case.[NEWLINE][BOUNDARY][NEWLINE]user: I find this information insufficient. Is there any way to get more help beyond this feedback center?[NEWLINE][BOUNDARY][NEWLINE]agent: I'm sorry to hear that. Would you prefer to speak to an agent?[NEWLINE]user: No, I guess not.[NEWLINE][BOUNDARY][NEWLINE]agent: We have more information that has proven helpful to some. Would you like to see our popular topics?[NEWLINE]user: Yes please.[NEWLINE][BOUNDARY][NEWLINE]user: Is it possible to submit a complaint?


user: What does the feedback center do?[NEWLINE]agent: The feedback center is important because you can submit a complaint an issue, concern, suspicious activity, give us positive feedback, or review an already submitted case.[NEWLINE]user: What if I don't agree with a response from Federal Student Aid after my complaint?[NEWLINE]agent: If you feel the response is incorrect or don't agree with response then you have to follow our procedure set in place for resolving disputes and we would like you do it before you contact our Federal Student Aid Ombudsman Group.[NEWLINE][BOUNDARY][NEWLINE]user: Can I share positive feedback also?[NEWLINE]agent: Yes, we encourage you to share positive feedback about your financial aid experience.[NEWLINE][BOUNDARY][NEWLINE]user: How do I mange my cases?[NEWLINE]agent: You would need to log in to your account to view, track, or update your case.[NEWLINE][BOUNDARY][NEWLINE]user: Is there someone I can call?[NEWLINE][BOUNDARY][NEWLINE]agent: Would you like to speak to an agent?[NEWLINE]user: Yes, I would like to call to speak to an agent.


user: I'm here for plus loan info?[NEWLINE]agent: They can help you pay for education expenses not covered by other financial aid[NEWLINE]user: where do I apply for a parent plus loan?[NEWLINE]agent: You can use the online application to apply for a parent PLUS loan[NEWLINE]user: I'm hoping to find out as well. What is the purpose of the loan simulator?[NEWLINE]agent: The loan simulator is a new tool to help you make decisions about your student loans and whether or not you should decide to consolidate.[NEWLINE][BOUNDARY][NEWLINE]user: Is there ways to help make the tool better?[NEWLINE]agent: We love feedback, the asking of questions, and request of new features.[NEWLINE][BOUNDARY][NEWLINE]user: Are the results of the loan simulator just used for informational purposes?[NEWLINE]agent: Yes, results of the loan simulator are just for informational purposes and is not real financial advice.  As always, you should review all available options and make decisions that are right for you.[NEWLINE][BOUNDARY][NEWLINE]user: Is it possible to share the loan simulator?


user: What are Direct PLUs Loans?[NEWLINE]agent: PLUS loans are federal loans that parents get to help their dependent pay for education expenses.[NEWLINE]user: Could I apply online?[NEWLINE]agent: Yes, you can fill out the online application for a parent PLUS loan.[NEWLINE][BOUNDARY][NEWLINE]user: Is it okay if I ask another question? May I simply file another complaint about suspicious activity or scam?[NEWLINE]agent: Yes, you can submit a complaint or report a suspicious activity or scam, on behalf of yourself or someone else[NEWLINE]user: can you give me a link to submit a complaint?[NEWLINE]agent: Yes, I will give you the link[NEWLINE][BOUNDARY][NEWLINE]user: can you also link me to where I can view my case?[NEWLINE]agent: Yes, just log in to your account to view, track or update your case.[NEWLINE][BOUNDARY][NEWLINE]agent: Is there anything else we can help you with?


user: Do all schools cost the same or do they differ from school to school?[NEWLINE]agent: Yes, all schools are different but we can give you tips on how to lower costs when you go to school.[NEWLINE][BOUNDARY][NEWLINE]user: Are there discounts that colleges could offer?[NEWLINE]agent: Are you going to the same school as one of your parents did or are you considered an alumnus?.[NEWLINE]user: No, i am not attending a school one of my parents attended.[NEWLINE]agent: Will there be more than you or another child from your family attending the college?[NEWLINE]user: No, I would be the first child in my family attending the school.[NEWLINE]agent: Are you a student government leader or editor of the college newspaper or yearbook?[NEWLINE]user: No I am not either a government leader or editor.[NEWLINE]agent: Are you an older aged student or family's main wage earner?[NEWLINE]user: Yes, I am my family's main wage earner.[NEWLINE]agent: Then you might be able to get a discount on tuition from the school you are attending.[NEWLINE][BOUNDARY][NEWLINE]user: I still need to find out reasons to attend a college or career school. Do you have any suggestions about how college could be of assistance to me?


user: I just wanted to do a little digging to learn more about paying for college[NEWLINE]agent: I can help you learn about college costs and give you tips on how to lower costs when you go to school[NEWLINE][BOUNDARY][NEWLINE]user: how many classes should I take to help save money?[NEWLINE]agent: Take the maximum number of credits allowed, so it reduces the amount of time it will take you to graduate[NEWLINE][BOUNDARY][NEWLINE]user: Another issue concerned the totals published the previous year. What percentage of the number of applicants is affected?[NEWLINE]agent: This means that there were applicants who submitted an application in a previous year.[NEWLINE][BOUNDARY][NEWLINE]user: Can you tell me why several blank districts on the maps?[NEWLINE]agent: It is noteworthy that they are listed as missing data.[NEWLINE]user: What conditions must be met for this purpose?[NEWLINE]agent: Of note is the lack of the statutory adjusted cohort graduation rate.[NEWLINE]user: What would happen if the districts were merged?[NEWLINE]agent: It is noteworthy that the districts are listed as missing data.[NEWLINE][BOUNDARY][NEWLINE]user: Can you tell me if schools should contain all the information?


user: Could you please tell me what is included in the Federal Student Aid Specific Resources section of the IT Standards Library?[NEWLINE]agent: The section you mentioned includes documents that are specific to the Federal Student Aid IT lifecycle for all projects and lists other pertinent references that an IT project my be required to comply with dependent on the contract.[NEWLINE][BOUNDARY][NEWLINE]user: What is included in the General References section?[NEWLINE]agent: The General References section includes Lifecycle Management Methodology.[NEWLINE]user: Okay, that's it. I'm really interested in learning more about Doing Business With Us. How can I get in touch with you?[NEWLINE]agent: Federal Student Aid relies heavily on information technology IT to support complex business processes. Therefore, effective use of IT is essential to many Federal Student Aid acquisitions. Contact The IT Standards Library identifies federal, Department and Federal Student Aid specific IT standards directly pertinent to Federal Student Aid's acquisitions.[NEWLINE]user: Yes, plenty questions.[NEWLINE]agent: In that case, please e-mail FSA Acquisitions.[NEWLINE][BOUNDARY][NEWLINE]user: Oh, I will do that. What can you tell me about acquisition notices?[NEWLINE]agent: Active acquisition synopses, contract solicitations, and other information including draft work statements, special notices, sources sought notices, etc., are available at FedBizOpps, the U.S. Government's single point-of-entry for federal business opportunities.[NEWLINE][BOUNDARY][NEWLINE]user: Can these forecasts change?


user: Hello, can you inform me what actions can I take for the credit?[NEWLINE]agent: You must have an endorser for this purpose.[NEWLINE]user: What requirements must the endorser meet to seek credit?[NEWLINE]agent: You can opt for a Direct PLUS Loan as long as you are eligible.[NEWLINE]user: Endorsers participate in this program?[NEWLINE]agent: In this case they do not participate.[NEWLINE][BOUNDARY][NEWLINE]user: What does it mean to have a co-signer? Who is capable of completing the co-signing process?[NEWLINE]agent: The spouse of the applicant.[NEWLINE][BOUNDARY][NEWLINE]user: It is saying that I need a co-sign code, but I don't think I have one. What should I do?[NEWLINE]agent: If you are the co-signer, you should contact the IDR applicant for the code. If you are the applicant, you should have received an email containing the code.[NEWLINE]user: I can't find the code and my IDR is part of a Direct Consolidation Loan Application. Where can I find the co-sign code?


user: Hello, can you advise me with the credit part?[NEWLINE][BOUNDARY][NEWLINE]user: Where can I download bankruptcy related documents?[NEWLINE]agent: As a primary requirement you have to fill out various documents related to the topic.[NEWLINE][BOUNDARY][NEWLINE]user: Can you explain in more detail what you just informed me?[NEWLINE]agent: It is important that you look for an endorser so that they facilitate your credit.[NEWLINE]user: What consequences can generate that the adverse credit is incorrect?[NEWLINE]agent: The endorser must meet certain conditions to be eligible.[NEWLINE]user: The endorser can be the student?[NEWLINE]agent: Can not be.[NEWLINE]user: What information can you give me regarding adverse credit is incorrect?


user: I need information about the direct plus loan application for graduate students. Can you help me?[NEWLINE]agent: Are you wondering what a Direct PLUS Loan Application for Graduate/Professional Students is?[NEWLINE]user: No, I know that already.[NEWLINE][BOUNDARY][NEWLINE]agent: Do you want to know how to apply for a PLUS loan?[NEWLINE]user: Yes, please.[NEWLINE]agent: First you need to log in to start your application.[NEWLINE][BOUNDARY][NEWLINE]user: On a somewhat related note, about a plus loan. Who can complete the co-signing process?[NEWLINE]agent: The spouse of the applicant.[NEWLINE][BOUNDARY][NEWLINE]user: It is saying that I need a co-sign code, but I don't think I have one. What should I do?[NEWLINE]agent: If you are the co-signer, you should contact the IDR applicant for the code. If you are the applicant, you should have received an email containing the code.[NEWLINE]user: I can't find the code and my IDR is part of a Direct Consolidation Loan Application. Where can I find the co-sign code?


user: who is Aidan?[NEWLINE]agent: It is a virtual assistant that can answer questions about federal student aid. Aidan uses advanced technology, artificial intelligence, and natural language processing to answer your questions.[NEWLINE][BOUNDARY][NEWLINE]agent: Would you like to know what types of questions Aidan can help you with?[NEWLINE]user: yea give me an example[NEWLINE][BOUNDARY][NEWLINE]agent: Did you have any common financial aid questions?[NEWLINE]user: yeah, what can you help me with?[NEWLINE]agent: You could type: "What kind of grants are available to pay for college?", to get an answer.[NEWLINE]agent: Is that the type of question you wanted to ask?[NEWLINE]user: not really, but I get how it works[NEWLINE][BOUNDARY][NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE]user: what else can he answer?


user: What are the next steps involved after I submit my FAFSA form for federal student aid?[NEWLINE]agent: Firstly, you will need to check that all the information that you supplied is correct and completed in full as it appears on your Student Aid Report (SAR)[NEWLINE][BOUNDARY][NEWLINE]user: How do I receive my SAR after submitting my FAFSA form?[NEWLINE]agent: By providing us with a valid email address, you will receive an email from noreply@FAFSA.gov. This will give you instructions as to how you access your SAR online[NEWLINE]user: What if I have no email address, how do I receive my SAR in this case?[NEWLINE]agent: With no email address, you will receive a SAR or a SAR acknowledgment via postal mail[NEWLINE][BOUNDARY][NEWLINE]user: I have one more question about sharing feedback.  Am I able to share some positive feedback about my financial aid experience if I feel the desire to do so?[NEWLINE]agent: Yes, we welcome positive feedback as well.[NEWLINE][BOUNDARY][NEWLINE]user: Can I manage my cases online?[NEWLINE]agent: Yes, just log in to your account to view, track, or update any case info you might have.[NEWLINE][BOUNDARY][NEWLINE]agent: Do you need to speak to agent now?[NEWLINE]user: Yes, I would like to speak to an agent.[NEWLINE][BOUNDARY][NEWLINE]agent: Do you want to call and talk to an agent to submit your feedback?[NEWLINE]user: Yes, I would like to call.


user: I have some questions about what it means to be a co-signer.[NEWLINE]agent: I can help you with that. A co-signer will be the spouse of the applicant who initiated an Income-Driven Repayment Plan request.[NEWLINE]agent: Were you aware that the co-signer isn't obligated to repay the loan?[NEWLINE]user: No, I didn't know that.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: How long does it usually take to go through the co-sign process?[NEWLINE]agent: The majority of people complete the process in just 10 minutes.[NEWLINE][BOUNDARY][NEWLINE]user: I see. let me ask another question. to Appeal a demo credit decision?. Can you explain what the bad credit is?[NEWLINE]agent: It can make credit approval difficult.[NEWLINE][BOUNDARY][NEWLINE]user: What is the lender's deed?[NEWLINE]agent: Its purpose is the credit release.[NEWLINE]user: Do I need information related to mitigating circumstances?


user: I need help with understanding how financial aid works.[NEWLINE]agent: I can assist you with this.[NEWLINE][BOUNDARY][NEWLINE]agent: Do your questions pertain to a specific type of financial aid, such as grants?[NEWLINE]user: Yes, I'm not sure how they work.[NEWLINE]agent: Grants are usually based on financial need and normally do not have to be repaid.[NEWLINE][BOUNDARY][NEWLINE]user: Another question regarding  financial aid, what if I decide to take out a loan?[NEWLINE]agent: Please make sure you understand who is making the loan and the terms and conditions of the loan. Student loans can come from the federal government, from private sources such as a bank or financial institution, or from other organizations.[NEWLINE][BOUNDARY][NEWLINE]user: What about student 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: One more thing, to obtain funds from the Direct Loan Program, what should my enrollment be? How should my academic progress be?[NEWLINE]agent:  To get Direct Loan Program funds, you must be enrolled at least half-time.[NEWLINE][BOUNDARY][NEWLINE]user: I'd also like to know if there are any additional resources for aid. Is there any other type of aid available from the federal government besides Federal Student Aid?[NEWLINE]agent: Yes. The federal government offers other financial aid programs besides Federal Student Aid.[NEWLINE][BOUNDARY][NEWLINE]user: What could affect my eligibility for financial aid?[NEWLINE]agent: There are many factors that affect a student's financial aid eligibility, such as being a member of a military family.[NEWLINE][BOUNDARY][NEWLINE]user: Where can I look for other sources of aid?


user: How is the amount of my federal student aid figured out?[NEWLINE]agent: When you fill out your FAFSA form the college you list will use the information you provided.[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]agent: Will this example help you, "If you have cost of attendance at $16000 and you have been awarded a total of $4000 in need-based aid and private scholarships, the you can get $12000 in non-need based aid."[NEWLINE]user: No, it does not help me understand it at all.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: What if my COA is $16000 and my EFC is $12000?[NEWLINE]agent: Then your financial need is $4000.[NEWLINE][BOUNDARY][NEWLINE]user: If I have a PLUS loan from the Direct Loan Program for parents, how will we know when the money will be delivered to us?[NEWLINE]agent: The school will notify you in writing each time they give you any part of the loan money[NEWLINE][BOUNDARY][NEWLINE]user: by when should we get our money to help pay for books?[NEWLINE]agent: Are you eligible for disbursement?[NEWLINE]user: don't think so


user: Is it wise to compare school aid offers I get from each college?[NEWLINE]agent: Have you applied at several colleges?[NEWLINE]user: No, i have not yet.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE]user: Will my aid amount be the same at each school?[NEWLINE]agent: Actually, each financial aid package is different because each college is different in what they offer.[NEWLINE][BOUNDARY][NEWLINE]user: Which is more expensive between, private student loans or federal student loans?[NEWLINE]agent: Generally, private students loans are more expensive.[NEWLINE][BOUNDARY][NEWLINE]user: There's more to Net Price Calculation than meets the eye. How do I calculate my school's net price?[NEWLINE]agent: There are easy steps to follow when figuring out net price of net cost.[NEWLINE][BOUNDARY][NEWLINE]user: What is the procedure for informing my school about which financial assistance I will accept?[NEWLINE]agent: Your student aid offer will include directions on how to accept the aid offer and you might have to put the amounts you are accepting in an online form and then submit it.[NEWLINE][BOUNDARY][NEWLINE]user: Can I receive this benefit for both a professional school and a university?. Is it better to look at each cost per school for offers of aid?[NEWLINE]agent: Yes, always be sure to compare aid offerings from each school to see which will be most affordable.[NEWLINE][BOUNDARY][NEWLINE]user: What if the school i want to attend does not list the cost of attendance on the aid offer?


user: Hello, I would like you to help me with something. I recently left the school and the school did not make the required return of the loan funds to the loan administrator.[NEWLINE]agent: Of course, we will help you learn more about your unpaid rebate registration to see if you can qualify.[NEWLINE]agent: dropped out of school after receiving a loan from the Direct Loan Program?[NEWLINE]user: yes[NEWLINE]agent: the school may have been required by federal regulations to return some or all of the loan money to your loan servicer.[NEWLINE][BOUNDARY][NEWLINE]user: ok but in this case I would like to know if I am eligible for discharge of my loan since 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: I would like to know if I'm eligible for a discharge of the portion of my loan that the school failed to return?[NEWLINE]agent: Of course you may be eligible for a discharge of the part of your loan that the school was unable to repay.[NEWLINE][BOUNDARY][NEWLINE]user: I am ready to request the download of the refund without paying, what do I do?[NEWLINE]agent: You must complete the Loan Download Application - Unpaid Repayment and submit the completed form to your Loan Manager.[NEWLINE][BOUNDARY][NEWLINE]user: How much of my loan will be canceled if I am approved for loan cancellation?[NEWLINE]agent: Only the part of your loan that your school should have returned will be canceled. Contact your loan servicer for more information.[NEWLINE][BOUNDARY][NEWLINE]user: How do I request a refund download without paying?


user: I have a question regarding the Loan Simulator in the FSA process. How accurate is it?[NEWLINE]agent: Are you looking to get the most realistic results?[NEWLINE]user: I have not tried it yet, I'm just wondering how accurate it is[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: Is there anywhere on the website that I can send feedback to try to streamline the process or make it more user friendly?[NEWLINE]agent: You can contact us in the "Help Us Build This Tool" section, where you can share your feedback, ask any questions and send any requests for new features[NEWLINE][BOUNDARY][NEWLINE]user: Is there a share option built in with the Loan Simulator?[NEWLINE]agent: Yes, we have invited every user to share the Loan Simulator with their friends and family[NEWLINE][BOUNDARY][NEWLINE]user: How do I get the most accurate result from the Loan Simulator?[NEWLINE]agent: You will need to provide the most complete and accurate information during the process. This tool cannot however, predict your future payments with 100% accuracy[NEWLINE][BOUNDARY][NEWLINE]user: What exactly is the Loan Simulator within the FSA?


user: I want to see what payments will be like for a loan[NEWLINE]agent: You can try the Loan SImulator. The Loan Simulator is a new tool to help you make decisions about your student loans. You can use it to find a repayment plan that meets your needs and goals.[NEWLINE][BOUNDARY][NEWLINE]user: will it actually give me a good estimate?[NEWLINE]agent: Do you want to get the most realistic results?[NEWLINE]user: Not, if I have to give too much personal information.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: Can I just give numbers that are close but not the real thing and start a new simulation to see how different numbers work for me?[NEWLINE]agent: Yes, you can see what happens when you borrow more.[NEWLINE][BOUNDARY][NEWLINE]user: Will it show me what happens if I get into financial trouble and stop making payments?[NEWLINE]agent: Yes, you can find out the impacts of suspending payments[NEWLINE][BOUNDARY][NEWLINE]user: How do I use this thing?


user: Hi, could you please advise me as to the accuracy of Loan Simulator, is it accurate?[NEWLINE]agent: Have you provided Loan Simulator with accurate information?[NEWLINE]user: No I have not tried Loan Simulator yet.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE]user: Can the Loan Simulator predict future payments?[NEWLINE]agent: The Loan Simulator can only provide realistic results if you provide complete and accurate information about your circumstances but you must keep in mind that the tool can't predict your future payments with 100% accuracy.[NEWLINE][BOUNDARY][NEWLINE]user: Is it possible to make suggestions to make the tool better?[NEWLINE]agent: Yes we would appreciate your feedback and any requests for new features that you think will be helpful.[NEWLINE][BOUNDARY][NEWLINE]user: Is it possible for  you to guide me through the loan simulator so that I will get the best results?[NEWLINE]agent: Yes I can guide you through a series of questions based on what might be best for you.[NEWLINE][BOUNDARY][NEWLINE]user: Am I allowed to share the Loan Simulator with others?


user: Hello there, I have some questions about the loan simulator.[NEWLINE]agent: Do you know what you need to do to get the most realistic results?[NEWLINE]user: No, I'm aware of that.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE]user: Where can I learn more about the calculations of the simulator?[NEWLINE]agent: You can learn more about Loan Simulator calculations on our website.[NEWLINE][BOUNDARY][NEWLINE]user: I'll check it out later. Is there a way I can help with improving this tool?[NEWLINE]agent: Yes, you can contact us to share your feedback, ask questions, and request new features.[NEWLINE][BOUNDARY][NEWLINE]user: Can I share the loan simulator with others?[NEWLINE]agent: Of course, we invite you to share this tool with friends and family.[NEWLINE][BOUNDARY][NEWLINE]user: Oh, before I forget it: how do I get the most accurate results?


user: Hello, I have a few questions about the accuracy of the loan simulator.[NEWLINE]agent: Of course. Do you want to get the most realistic results then?[NEWLINE]user: No, because I'm certain none of the results are actually reliable.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: I entered the wrong data. Can I start from scratch with the whole simulation?[NEWLINE]agent: Yes, you can.[NEWLINE][BOUNDARY][NEWLINE]user: What is the loan simulator intended for?[NEWLINE]agent: Loan Simulator is a new tool to help you make decisions about your student loans.[NEWLINE][BOUNDARY][NEWLINE]user: Does the school determine how much I need to borrow?[NEWLINE]agent: Yes, and here you can see how choice of school affects how much you may need to borrow.[NEWLINE][BOUNDARY][NEWLINE]user: Can the simulator help me pick a plan for my studies?


user: I need help using the loan simulator.[NEWLINE]agent: I'll be happy to assist you with that. The loan simulator is a tool that helps you make decisions about student loans.[NEWLINE][BOUNDARY][NEWLINE]user: How can I get the most realistic results from the loan simulator?[NEWLINE]agent: It's always important to know that the simulator is not 100% accurate, but for the best results, be sure to provide complete and accurate information.[NEWLINE][BOUNDARY][NEWLINE]user: Can you help me in any other way?[NEWLINE][BOUNDARY][NEWLINE]agent: Do you want to speak with an agent?[NEWLINE]user: Not really.[NEWLINE][BOUNDARY][NEWLINE]agent: Are you interested in our popular topics?[NEWLINE]user: Not right now.[NEWLINE][BOUNDARY][NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: What kind of positive feedback can I give?


user: I came here because I have several questions about the loan simulator, for example about it's accuracy.[NEWLINE]agent: Do you want to know how to get the most realistic results?[NEWLINE]user: Yes, that'd be great.[NEWLINE]agent: You'll need provide complete and accurate information when using Loan Simulator. Keep in mind, this tool can t predict your future payments with 100 % accuracy.[NEWLINE][BOUNDARY][NEWLINE]user: Am I allowed to share the loan simulator with others?[NEWLINE]agent: Yes, we invite you to share this tool with friends and family.[NEWLINE][BOUNDARY][NEWLINE]user: Great. Can I help you improving this tool somehow?[NEWLINE]agent: Of course. Contact us to share your feedback, ask questions, and request new features.[NEWLINE][BOUNDARY][NEWLINE]user: Can I use the results to plan my finances?[NEWLINE]agent: Yes, but remember: the results of Loan Simulator are for informational purposes only and should not be considered financial advice. You are encouraged to review all available options and make decisions about borrowing and repayment that align with your individual goals.[NEWLINE][BOUNDARY][NEWLINE]user: So, using this tool, can I also simulate borrowing more money?


user: hi i would like to know how accurate is the loan simulator?[NEWLINE]agent: Do you want to know how to get the most realistic results?[NEWLINE]user: yes[NEWLINE]agent: Provides complete and accurate information when using Loan Simulator. Please note that this tool cannot predict your future payments with 100% accuracy.[NEWLINE][BOUNDARY][NEWLINE]user: And how can I collaborate to build this tool?[NEWLINE]agent: Contact us to share your feedback, ask questions, and request new features.[NEWLINE][BOUNDARY][NEWLINE]user: and what is loan simulator?[NEWLINE]agent: Loan Simulator is a new tool to help you make decisions about your student loans. Use it to find a payment plan that meets your needs and goals or to decide if you want to consolidate it.[NEWLINE][BOUNDARY][NEWLINE]user: and what do I do if I'm struggling with my payments[NEWLINE]agent: Decide whether you want to temporarily stop payments or reduce your monthly payment.[NEWLINE][BOUNDARY][NEWLINE]user: and what is the aim of the simulator?


user: Hi there. I'm looking information about loans, and the loan simulator.[NEWLINE]agent: Sure, we are here to help you. The loan simulator is a tool that will help you to know the realistic results related to your loan. Is this what you are looking for?[NEWLINE]user: Yes, that's exactly what I'm looking.[NEWLINE]agent: Great! You just need to provide all the information in the most accurate way possible to get a prediction of how your loan could result.[NEWLINE]user: Okay. Now, about my loan security.. could you give me more information?[NEWLINE]agent: It is important to verify that you do not suffer from a scam to do this. Get information about identity theft.[NEWLINE][BOUNDARY][NEWLINE]user: Where can I find more information?[NEWLINE]agent: You can find more information through goarmy.com[NEWLINE][BOUNDARY][NEWLINE]user: What is the calculation of eligibility for student grants?[NEWLINE]agent: It is important to note that your disbursed school paid your aid or credit balance incorrectly.[NEWLINE]user: What does this process consist of?[NEWLINE]agent: Your school is in charge of calculating the loan.[NEWLINE][BOUNDARY][NEWLINE]user: What are the procedures for this purpose.


user: Are loan simulators accurate?[NEWLINE]agent: Do you want the most realistic results?[NEWLINE]user: Yes, I want the most realistic results.[NEWLINE]agent: You should provide complete and accurate information when using a loan simulator and keep in mind it cannot predict any future payments with 100% accuracy.[NEWLINE][BOUNDARY][NEWLINE]user: Also, am I eligible for a parent PLUS loan? What does it take to get one?[NEWLINE]agent: Are you a biological or adoptive parent of a dependent undergraduate student enrolled at least half-time at an eligible school?[NEWLINE]user: I am a parent[NEWLINE]agent: Are you in a situation where you don't have an adverse credit history?[NEWLINE]user: no[NEWLINE]agent: You are not eligible for a Parent Plus Loan.[NEWLINE][BOUNDARY][NEWLINE]user: can my kid get a loan instead?


user: hello i would like help with the following, how do i decide which income based payment plan should i choose?[NEWLINE]agent: Do you want to decide which payment plan suits you based on your income?[NEWLINE]user: it's not what i want[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: If I have to certify my income every year, what should I do with my family's data?[NEWLINE]agent: You must provide your loan servicer with up-to-date income and family size information so that your servicer can recalculate your payment. even if there is no change.[NEWLINE][BOUNDARY][NEWLINE]user: Ok, fine. About recalculating my monthly payment, what can I do if my income has changed or the number of members in my family has changed?[NEWLINE]agent: In that case, you can request that your income-based payment be recalculated to reduce your current monthly payment.[NEWLINE][BOUNDARY][NEWLINE]user: Understood, another question I have, if I want to get a payment plan based on my income, what can I do?[NEWLINE]agent: if you want a plan your only income based payment plan option is the IBR Plan[NEWLINE][BOUNDARY][NEWLINE]user: I have one other question about Loan Simulator.  Are there ways to help improve the tool?[NEWLINE]agent: We love feedback, the asking of questions, and request of new features.[NEWLINE][BOUNDARY][NEWLINE]user: Thank you. I'd really like to know. How do I apply for a repayment plan based on my income? What circumstances will my AGI be used in?[NEWLINE]agent: One of the conditions is if you filed a federal tax return in the last two years.[NEWLINE]user: If that is my case, what else?[NEWLINE]agent: in this case your current income is not significantly different from the income reported on your most recent federal tax return[NEWLINE]user: but this last does not apply to me


user: Hi, I need help with my payment plan. How do I decide which income-based payment plan to choose?[NEWLINE]agent: ok but decided that an income based payment plan is what you want?[NEWLINE]user: no well I'm not sure[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: What would be 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 you on what is the best option if I have different federal student loans?[NEWLINE]agent: you can consolidate them into a single Direct Consolidation Loan. This can simplify repayment if you currently make separate loan payments to different loan holders or administrators, as you only have to make one monthly payment.[NEWLINE][BOUNDARY][NEWLINE]user: What are REPAYE and ICR Plans and what do they entail?[NEWLINE]agent: well these plans consist that the payment is always based on your income and the size of your family, regardless of any change in your income. This means that if your income increases over time, in some cases your payment may be more than the amount you would have to pay under the Standard 10-Year Payment Plan.[NEWLINE][BOUNDARY][NEWLINE]user: Another thing to consider when it comes to Eligible Loans. What loans are not eligible for this?[NEWLINE]agent: Loans from the Federal Family Education Loan Program, and the Federal Perkins Loan Program don't qualify. They may however, become eligible if you consolidate them into a Direct Consolidation Loan[NEWLINE][BOUNDARY][NEWLINE]user: How do I request an income-based payment plan?[NEWLINE]agent: Did you file a federal tax return in the last two years?[NEWLINE]user: no i haven't


user: Hello, I need to know what is the forgiveness please?[NEWLINE]agent: Sure, what you have to know is that the amount varies between $ 17,500 or $ 5,000, it all depends on the case.[NEWLINE]agent: It is important to note that you must submit eligible loans under the Direct Loan Program and the FFEL Program.[NEWLINE]user: Can you tell me more about it?[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: Can you tell me if you can receive forgiveness from various entities such as teachers and public services?[NEWLINE]agent: You can choose both plans but not the same teaching service period.[NEWLINE][BOUNDARY][NEWLINE]user: I have another question about federal student loan forgiveness if I was scammed by my school? And when will I have information about the claim I made?[NEWLINE]agent: If you are a potential member of the group of borrowers to which the lawsuit applies, you should receive an email and mail notification between June and early July 2020.[NEWLINE]agent: Do you have any other questions about the Sweet V DeVos lawsuit?[NEWLINE]user: No.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: Are FFEL Program Loans eligible?


user: I would like to know if I can get my federal student loans forgiven for their service as a teacher?[NEWLINE]agent: You must learn about the forgiveness program to see if you qualify.[NEWLINE]user: If I already teach full-time for five full academic years in a row at a low-income school, do I qualify?[NEWLINE]agent: in view of your history you may be eligible for forgiveness of up to $ 17,500 on your Subsidized and Unsubsidized Direct Loans and your Subsidized and Unsubsidized Federal Stafford Loans.[NEWLINE][BOUNDARY][NEWLINE]user: Also, How do I apply for a loan cancellation? What is the purpose of the loan application?[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: Why do I need Exit Counseling?[NEWLINE]agent: Do you know what Exit Counseling is for?[NEWLINE]user: Yes, I know what it is for.[NEWLINE]agent: Then you are aware that it provides important information to get you ready to pay back your federal student loan.[NEWLINE]user: I have a subsidized PLUS loan do I need Exit Counseling?[NEWLINE]agent: Yes, it is required for you to complete Exit Counseling because you have a subsidized PLUS loan.[NEWLINE]user: What if I drop below half-time enrollment, do I have to complete the Exit Counseling?[NEWLINE]agent: Yes, you would have to complete the Exit Counseling.[NEWLINE][BOUNDARY][NEWLINE]user: What requirements do I meet in order to participate in entrance counseling?[NEWLINE]agent: All information is contained within the counseling section on the website[NEWLINE][BOUNDARY][NEWLINE]user: Dies every school offer entrance counseling?