user: I'm wondering how the Graduated Repayment Plan works?[NEWLINE]agent: With this plan, payments are made for up to 10 years, and between 10 and 30 years for consolidation loans[NEWLINE]agent: Is your income currently low but with a view to improving steadily over time?[NEWLINE]user: Yes, I am in that category[NEWLINE]agent: Well in that case, this Graduated Repayment Plan might just be right for you[NEWLINE][BOUNDARY][NEWLINE]user: What is the best way to use the Loan Simulator to get the most reliable results?[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: I have questions for Federal Loans,  What are the loans eligible for the Graduated Repayment Plan?[NEWLINE]agent: Some loans that are part of the William D. For Federal Direct Loan Program and the FFEL Program are eligible for the plan[NEWLINE][BOUNDARY][NEWLINE]user: I've been given a repayment plan? Is it possible for me to simply change it?[NEWLINE]agent: Correct. Although you may select or be assigned a repayment plan when you first begin repaying your student loan, you can change repayment plans at any time for free.[NEWLINE][BOUNDARY][NEWLINE]user: How do I use the Loan Simulator to figure out if I'm eligible for the Graduated Repayment Plan and how much I'll have to pay?


user: How do I choose the Direct Loan Master Promissory Note I want to preview?[NEWLINE]agent: Are you an Undergraduate Student?[NEWLINE]user: No, I am not an undergraduate student.[NEWLINE][BOUNDARY][NEWLINE]agent: Are you a Gradudate Student?[NEWLINE]user: Yes, I am a Graduate Student.[NEWLINE]agent: You would have to find the MPN that you need whether it is a Direct Unsubsidized Loans, Direct PLUS Loans or both and would have to complete each one.[NEWLINE][BOUNDARY][NEWLINE]user: What exactly does the Mastery Promissory Note do?[NEWLINE]agent: It explains the terms and conditions of your loan and you may receive more than one under an MPN over a period of 10 years to pay your or your child's educational costs.[NEWLINE][BOUNDARY][NEWLINE]user: I'm curious on what are the circumstances in which certain districts on maps tend to be blank?[NEWLINE]agent: The most common is that the statutory adjusted cohort graduation rate is missing, for example, if districts merged or a new district was created after 2009/10 and will not appear on the maps.[NEWLINE]user: ok and that is the only condition?[NEWLINE]agent: not as I mentioned are several conditions[NEWLINE][BOUNDARY][NEWLINE]user: ok and relative to the totals reported last year they are different from the numbers reported now over last year. What is causing this?


user: I am looking for more information on entrance counseling, can you give me some?[NEWLINE]agent: Are you familiar with the term itself?[NEWLINE]user: No, not really, can you help me?[NEWLINE][BOUNDARY][NEWLINE]agent: Do you know what group of people are suited to entrance counseling?[NEWLINE]user: No, I really don't know who it is suited to[NEWLINE][BOUNDARY][NEWLINE]agent: Do you know how long the entrance couseling takes?[NEWLINE]user: Yes, this I do know[NEWLINE]agent: Well, just to let you know, the entire counseling process must be completed in a single session. Most people complete it in 20-30 minutes[NEWLINE][BOUNDARY][NEWLINE]user: I'd like to know on what repayment plans may be suitable for me?[NEWLINE]agent: one of the following income-based plans may be right for you[NEWLINE][BOUNDARY][NEWLINE]user: And what do i need?


user: Hello, a question. Can US students apply for federal aid?[NEWLINE]agent: It is important to search for information related to the topic.[NEWLINE][BOUNDARY][NEWLINE]user: In my case I am not from the USA, can I participate in obtaining federal aid?[NEWLINE]agent: For certain procedures carried out on a specific date they are applicable.[NEWLINE][BOUNDARY][NEWLINE]user: Where do I have to send the FAFSA form?[NEWLINE]agent: It is essential that you go to the financial aid office to request information related to the subject.[NEWLINE][BOUNDARY][NEWLINE]user: Do you have any suggestions for tools that we might use? Are there any tips you can give me on how to keep my federal student aid qualification?[NEWLINE]agent: We have a section on the website entitled "Learn How to Stay Eligible", which will give you all the relevant information[NEWLINE][BOUNDARY][NEWLINE]user: Who is eligible to qualify for federal student aid?[NEWLINE]agent: Most US citizens or eligible noncitizens are eligible for financial aid. All applicant should keep up to date with the criteria involved, understand the different programs that are available, learn how to stay eligible for financial aid and also how to get eligibility back if it is lost[NEWLINE][BOUNDARY][NEWLINE]user: What are the criteria involved in non-US citizens becoming eligible for federal student aid?


user: I need to know whether I, as a non-citizen, qualify for federal student aid.[NEWLINE]agent: I can help you with that. First, it's very important to know that being a non-citizen does not automatically disqualify you for aid.[NEWLINE][BOUNDARY][NEWLINE]user: What would cause me to be ineligible for federal student aid?[NEWLINE]agent: Certain types of documentation can disqualify you. Do you only have a Notice of Approval to Apply for Permanent Residence I-171 or I-464?[NEWLINE]user: No, I don't have this.[NEWLINE]agent: Okay. Are you in the U.S. on an F-1 or F-2 non-immigrant student visa?[NEWLINE]user: No, I'm not.[NEWLINE]agent: Do you hold a G series visa pertaining to international organizations?[NEWLINE]user: Yes, I do.[NEWLINE]agent: I'm sorry to have to inform you that this disqualifies you for federal student aid.[NEWLINE][BOUNDARY][NEWLINE]user: Another thing I want know. What is the purpose of federal student aid?[NEWLINE]agent: FSA must only be used for educational purposes.[NEWLINE][BOUNDARY][NEWLINE]user: I have a question about other resources aside from  Federal Student Aid, does the federal government offer other financial aid programs?


user: What is the best choice when accepting financial aid from a school?[NEWLINE]agent: Accept financial aid funds you don't have to pay back above anything else.[NEWLINE]agent: Have you received your school's financial aid offer yet?[NEWLINE]user: No, I have not received the financial aid package from my school yet.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: What is the process of telling my school which aid 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: What if I have questions about what I am accepting?[NEWLINE]agent: You should always contact the school if you have questions about what aid you are accepting and the repayment terms.[NEWLINE]user: by the way, how is the amount of federal student aid determined? and what does the cost of attendance or COA refer to?[NEWLINE]agent: Your COA is the amount you will pay to go to school.[NEWLINE]agent: Are you attending at least half-time?[NEWLINE]user: Yes, I will be attending at least half-time.


user: I came here hoping you could explain how the income-sensitive repayment plan works. Can you tell me more about this plan?[NEWLINE]agent: Of course. The payments under this plan increase or decrease based on your annual income.[NEWLINE]agent: Do you need to make lower payments on your FFEL Program loans?[NEWLINE]user: No, I don't.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: What can you tell me about monthly payments?[NEWLINE]agent: Under this plan, you'll have monthly payments.[NEWLINE][BOUNDARY][NEWLINE]user: Okay good, now regarding  Federal Family Education Loan Program, do I just make one payment or two payments to one place?[NEWLINE]agent: You will only have one monthly payment to make if you consolidate them into a single Direct Consolidation Loan[NEWLINE][BOUNDARY][NEWLINE]user: so I can do this for my Perkins loan?[NEWLINE]agent: Perkins Loan repayment plan options are not the same as those for Direct Loan Program or FFEL Program loans. You can contact your school for more information on Perkins Loan repayment plans.[NEWLINE][BOUNDARY][NEWLINE]user: do you have a chart that shows what payments will be like for whatever I choose?


user: hi could you help me choose the federal student loan repayment plan that is best for me[NEWLINE]agent: Are you looking to make your payments more affordable?[NEWLINE]user: not necessarily[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE]user: and after choosing a plan can you change it?[NEWLINE]agent: Although you can select or be assigned a payment plan when you start paying off your student loan, you can change your payment plans at any time for free.[NEWLINE]user: Is it okay if I ask another question? in relation to student loans What is the purpose of the FSA's Loan Simulator?[NEWLINE]agent: The Loan Simulator is a new tool that is designed to help you make decisions about your student loans. It can be used to find repayment plans that will suit your needs and wishes, and may even prompt you to consolidate your borrowings[NEWLINE][BOUNDARY][NEWLINE]user: Another FSA-related question. Could you please show me how to use the loan simulator?[NEWLINE]agent: Before contacting your loan manager to discuss repayment plans, you can use our Loan Simulator to get an early look at the plans you may be eligible for and see estimates of how much you would pay monthly and overall.[NEWLINE][BOUNDARY][NEWLINE]user: How are monthly consolidation loan payments treated under the Graduated Repayment Plan?[NEWLINE]agent: null[NEWLINE][BOUNDARY][NEWLINE]user: Do you not have any knowledge of this loan consolidation? What happens if I have several 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: And what is the payment of my federal Perkins loan?


user: I want to find the best repayment plan for my school loan[NEWLINE]agent: Do you want affordable payments?[NEWLINE]user: that would be great[NEWLINE]agent: Repayment plans can be based on your income to make them more affordable[NEWLINE][BOUNDARY][NEWLINE]user: Can you combine my loans so I get a better payment plan?[NEWLINE]agent: You can consolidate them into a single Direct Consolidation Loan. This may simplify repayment if you are currently making separate loan payments to different loan holders or servicers.[NEWLINE]user: I want to combine my loans so I can  simplify my repayment plans, but what if I have FFEL program loans owned by the U.S. Department of Education ED?  What will happen?[NEWLINE]agent: In that case you should contact your loan servicer.[NEWLINE][BOUNDARY][NEWLINE]user: I understand. Say, which loans are eligible for that repayment plan we talked about?[NEWLINE]agent: There are several loans which are eligible for the income-sensitive repayment plan, all of them listed on our website.[NEWLINE][BOUNDARY][NEWLINE]user: Allow me one final question: what if I have FFEL Program loans that are not owned by ED?


user: can you help me choose the federal student loan repayment plan[NEWLINE]agent: Do you want to know the most affordable ones?[NEWLINE]user: not really[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: can you give me details to pay my federal Perkins loan[NEWLINE]agent: The options for the repayment plan of the Perkins Loan are not the same as for the loans of the Direct Loan Program or the FFEL Program. Check with your school for more information on Perkins loan repayment plans.[NEWLINE]user: Under the Graduated Repayment Plan, how are monthly payments for consolidation loans handled?[NEWLINE]agent: null[NEWLINE]user: can I ask something else? Regarding the Perkins loan repayment plan? could it be consolidated? how can i pay it?[NEWLINE]agent: Check with your school for more information.[NEWLINE][BOUNDARY][NEWLINE]user: ok good, regarding the simulation of borrowing more money, does the school determine the amount to lend that i need?[NEWLINE]agent: Yes, and here you can see how choice of school affects how much you may need to borrow.[NEWLINE][BOUNDARY][NEWLINE]user: I still need to find out about  the federal student loan repayment plan. What veneficio provided me with the blueprints?[NEWLINE]agent: repayment plans can give you more time to pay back your loans[NEWLINE][BOUNDARY][NEWLINE]user: if I have separate loans to different loan holders or administrators, can i make a monthly payment?


user: I'm looking to see what I can get out of a repayment plan[NEWLINE]agent: Are you looking for an affordable repayment plan?[NEWLINE]user: no, I what to see what is available[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: can I consolidate loans to get a better plan?[NEWLINE]agent: Do you have multiple federal student loans?[NEWLINE]user: yes I have two[NEWLINE]agent: You can simplify repayment by consolidating them into a single Direct Consolidation Loan[NEWLINE][BOUNDARY][NEWLINE]user: Is there a stock option built into 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: something else I want to ask, can I simplify the payment by consolidating several loans, can I do it with the Perkins loan?[NEWLINE]agent: Perkins Loan repayment plan options are not the same as those for Direct Loan Program or FFEL Program loans. You should contact your school for more information on Perkins Loan repayment plans.[NEWLINE][BOUNDARY][NEWLINE]user: If I have to certify my income every year, what should I do with my family's information? Will I always pay the same amount every month with a payment plan determined by income as my family grows?


user: Hello, I would like you to help me choose the federal student loan payment plan that is best for me.[NEWLINE]agent: Are you in search of a loan where your payments are more affordable?[NEWLINE]user: not necessarily[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: And how can I see what plans you can access?[NEWLINE]agent: Before contacting your loan manager to discuss repayment plans, you can use our Loan Simulator to get an early look at the plans you may be eligible for and see estimates of how much you would pay monthly and overall.[NEWLINE]user: Are you aware of the FFEL Loans that are Eligible? Which loans qualify for the repayment plan we discussed?[NEWLINE]agent: There are several loans which are eligible for the income-sensitive repayment plan, all of them listed on our website.[NEWLINE][BOUNDARY][NEWLINE]user: Sure. Now I need to ask about repayment plan. and what are the loans based on[NEWLINE]agent: repayment plans may give you more time to repay your loans or may be based on your income.[NEWLINE][BOUNDARY][NEWLINE]user: Please, give me more information about Graduated Repayment Plan. In what way can I use the Loan Simulator to estimate my eligibility and payment amounts under the Graduated Repayment Plan?[NEWLINE]agent: Your loan servicer can help you choose the best loan repayment plan for you[NEWLINE][BOUNDARY][NEWLINE]user: Regarding the choice of the federal student loan repayment plan, could I change the repayment plan at any time for free?[NEWLINE]agent: Although you can select or be assigned a payment plan when you start paying off your student loan, you can change your payment plans at any time for free.[NEWLINE][BOUNDARY][NEWLINE]user: And how is the federal Perkins loan?


user: Hello, I have some questions about my student loan plan. Perhaps you can help me with that.[NEWLINE]agent: Of course. Do you want to make your payments more affordable?[NEWLINE]user: That would be nice, yes.[NEWLINE]agent: Then you should know that repayment plans can give you more time to repay your loans or can be based on your income.[NEWLINE]user: I understand that. What if I want to change my repayment plan, though?[NEWLINE]agent: Contact your loan servicer if you would like to discuss repayment plan options or change your repayment plan. You can get information about all of the federal student loans you have received and find the loan servicer for your loans by logging in to "My Federal Student Aid".[NEWLINE][BOUNDARY][NEWLINE]user: That is something I am sure of. But can I know if there is a case if I have FFEL Program loans owned by the U.S. Department of Education ED?[NEWLINE]agent: In that case you should contact your loan servicer.[NEWLINE][BOUNDARY][NEWLINE]user: I understand. Say, which loans are eligible for that repayment plan we talked about?[NEWLINE]agent: There are several loans which are eligible for the income-sensitive repayment plan, all of them listed on our website.[NEWLINE][BOUNDARY][NEWLINE]user: Allow me one final question: what if I have FFEL Program loans that are not owned by ED?


user: I need help choosing a federal student loan repayment plan.[NEWLINE]agent: Are you having trouble paying your student loans and are looking for payments that are more affordable?[NEWLINE]user: No, my son is.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: Is it a good idea for my son to consolidate his student loans?[NEWLINE]agent: Consolidating them into a single Direct Consolidation Loan can help him simplify the repayment process, since he will only have one monthly payment to make.[NEWLINE][BOUNDARY][NEWLINE]user: Is there a section on the website for comments or suggestions on the performance of the website and make it easier to use?[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: My son has now been allocated to a repayment plan, but he is having difficulty making the payments. Is it possible for him to change his repayment plan?[NEWLINE]agent: Absolutely. Your son can change his repayment plan for free at any time.[NEWLINE][BOUNDARY][NEWLINE]user: Now, related to this Federal Student Aid program, what if I have FFEL Program loans that are not owned by ED?[NEWLINE]agent: In that situation I'd recommend you to contact your lender.[NEWLINE]user: Can you explain to me on what is a Direct Consolidation Loan and how does it work?[NEWLINE]agent: A Direct Consolidation Loan allows your son to combine all his student loans into one loan, so instead of paying separate payments to each loan holder, he would only be making one monthly payment.[NEWLINE]user: Can you consolidate multiple federal student loans?


user: I'm here to look at a good repayment plan[NEWLINE]agent: Are you looking for a repayment plan with affordable payments?[NEWLINE]user: no looking for information on any plan affordable or not[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE]user: who can I talk to so I can get some options?[NEWLINE]agent: You can contact your loan servicer if you would like to discuss repayment plan options.[NEWLINE][BOUNDARY][NEWLINE]user: Another question regarding Eligible FFEL Program Loans. Say, which of the following loans are eligible for that repayment plan?[NEWLINE]agent: There are several loans which are eligible for the income-sensitive repayment plan, all of them listed on our website.[NEWLINE][BOUNDARY][NEWLINE]user: Got it. Another question about Say, which loans are eligible for that repayment plan we talked about?. who is my loan servicer?[NEWLINE]agent: You can find who your loan servicer is by logging in to "My Federal Student Aid."[NEWLINE][BOUNDARY][NEWLINE]user: I'd like to ask if in case I have loans from the FFEL Program, what are the possible income-driven repayment plan that I can choose?[NEWLINE]agent: if you want a plan your only income based payment plan option is the IBR Plan[NEWLINE][BOUNDARY][NEWLINE]user: If I give you some of my information, could you give me an estimate of how much my payments will be?[NEWLINE]agent: You can use the Loan Simulator to look at what plans you may be eligible for and see estimates for how much you would pay monthly and overall.[NEWLINE][BOUNDARY][NEWLINE]user: is all this info you're giving me for all loans?


user: Hello, I would like to know what federal payment plan you recommend me?[NEWLINE]agent: Choose a plan where payments are made easy for you.[NEWLINE]user: I need to find a payment plan that suits my needs, what do you recommend?[NEWLINE]agent: A payment plan can give them more time to pay and can also be adapted to your income.[NEWLINE]user: When selecting a payment plan, can this be modified at any instant of time?[NEWLINE]agent: Of course, they can be modified and at no cost.[NEWLINE][BOUNDARY][NEWLINE]user: I'm aware of that. But what if I have FFEL Program loans owned by the U.S. Department of Education ED? How can I modify my payment plan?[NEWLINE]agent: In that case you should contact your loan servicer.[NEWLINE][BOUNDARY][NEWLINE]user: I understand. Say, which loans are eligible for that repayment plan we talked about?[NEWLINE]agent: There are several loans which are eligible for the income-sensitive repayment plan, all of them listed on our website.[NEWLINE][BOUNDARY][NEWLINE]user: Allow me one final question: what if I have FFEL Program loans that are not owned by ED?


user: I need some help choosing the right federal student loan repayment plan that's best for me.[NEWLINE]agent: Do you want to know how you can make your payments more affordable?[NEWLINE]user: No, I already know that.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE]user: Can I change my repayment plan?[NEWLINE]agent: Yes. Although you may select or be assigned a repayment plan when you first begin repaying your student loan, you can change repayment plans at any time for free.[NEWLINE][BOUNDARY][NEWLINE]user: I understand, but have another question about the Graduated Repayment Plan.  How would monthly payments for consolidation loans be treated under this plan?[NEWLINE]agent: null[NEWLINE]user: I want to know information on how I can repay my federal perkins loan. Where can I get the information?[NEWLINE]agent: Perkins Loan repayment plan options are not the same as those for Direct Loan Program or FFEL Program loans. Check with your school for more information on Perkins Loan repayment plans.[NEWLINE][BOUNDARY][NEWLINE]user: I'd like to ask regarding federal student loan payments.[NEWLINE]agent: An income - driven repayment plan sets your monthly student loan payment at an amount that is intended to be affordable based on your income and family size. We offer four income - driven repayment plans. What exactly is a contingent plan based on income?[NEWLINE][BOUNDARY][NEWLINE]user: Got it. I'd like to ask you another question. for the federal student loan  repayment plan. How do I get my debts consolidated?[NEWLINE]agent: Do you have multiple federal student loans?


user: Hello, I would like to have more information about the delinquency of student loans and default.[NEWLINE]agent: Of course it is essential that the loans are repaid.[NEWLINE]agent: Have you missed a payment or are you having trouble making payments?[NEWLINE]user: yes[NEWLINE]agent: Immediately contact and discuss options with the organization that handles billing and other services for your loan to avoid default on your loan.[NEWLINE][BOUNDARY][NEWLINE]user: Could you please elaborate the advantages when I choose to combine my loans into a direct consolidation? Will it make my repayments more manageable?[NEWLINE]agent: You may want to combine your multiple federal student loans into a single direct consolidation loan to simplify repayment. There may be trade-offs, so understand the advantages and potential disadvantages of consolidation before submitting the application.[NEWLINE][BOUNDARY][NEWLINE]user: What if I made the refund arrangements soon enough after my loan has gone into default? Will I be able to get out of default on my loans?[NEWLINE]agent: In that case you can resolve the breach quickly. Learn more about how to get out of default.[NEWLINE]user: and who has to declare if the loan was made under the Federal Perkins Loan Program?[NEWLINE]agent: The loan holder can declare that the loan is in default if they do not make their scheduled payment by the due date. Find out where to go to get information about your Perkins Loan.[NEWLINE][BOUNDARY][NEWLINE]user: And how can I do if I have problems to make the payment?[NEWLINE]agent: in that case there are several options available to you[NEWLINE][BOUNDARY][NEWLINE]user: and what else should i do?


user: Hello i would like to get information about Student Loan Delinquency and Default[NEWLINE]agent: of course it is important that the loans are repaid[NEWLINE]agent: Have you missed a payment or are you having trouble making payments?[NEWLINE]user: yes[NEWLINE]agent: Immediately contact and discuss options with the organization that handles billing and other services for your loan to avoid default on your loan.[NEWLINE][BOUNDARY][NEWLINE]user: Ok thanks, and in case I have problems with the monthly payments, what alternative options can I have if I have this problem?[NEWLINE]agent: one option is to change the due date of your payment[NEWLINE][BOUNDARY][NEWLINE]user: Are you aware of the words "student loan default" and "delinquency"? What resources can I use to learn more about the Federal Perkins Loan Program?[NEWLINE]agent: Contact the school where you received the loan for more details.[NEWLINE][BOUNDARY][NEWLINE]user: and could you help me to have more understanding of the default[NEWLINE]agent: is your loan still delinquent?[NEWLINE]user: yes[NEWLINE]agent: the loan may be in default. The point at which a loan is considered past due varies depending on the type of loan you received.[NEWLINE][BOUNDARY][NEWLINE]user: ok what if i have more questions?


user: Hello i would like to get information about Student Loan Delinquency and Default[NEWLINE]agent: of course it is important to understand that Loans must be repaid[NEWLINE]user: And how do I do if I have problems making payments?[NEWLINE]agent: Immediately contact and discuss options with the organization that handles billing and other services for your loan to avoid default on your loan.[NEWLINE][BOUNDARY][NEWLINE]user: When do I start repaying my consolidated loan, if any of my loans are still in the grace period?[NEWLINE]agent: If some of your loans that you want to consolidate are still in the grace period you have the option of indicated on your Direct Consolidation Loan application that you want the servicer that is processing  your application to delay the consolidation of your loans until closer to the grace period end date.[NEWLINE][BOUNDARY][NEWLINE]user: If I decide that I would like to consolidate my loans how do I go about applying for a Direct Consolidation Loan?[NEWLINE]agent: There are two ways in which you can apply. You can complete and submit the application online or you can download and print a paper application for submission by U.S. mail.[NEWLINE]agent: If you apply how do you think  you will submit your application, online or by mail?[NEWLINE]user: I don't think I will be applying.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: Once I have submitted an application who do I contact if I have question about the consolidation?


user: hi i would like to get information about student loan default[NEWLINE]agent: Of course Loans must be repaid.[NEWLINE]agent: you have missed a payment or are having trouble making payments?[NEWLINE]user: yes[NEWLINE]agent: Immediately contact and discuss options with the organization that handles billing and other services for your loan to avoid default on your loan.[NEWLINE][BOUNDARY][NEWLINE]user: En relación con los contratos de préstamo, ¿cuál es su pagaré?[NEWLINE]agent: Read your promissory note. It is a legal document. Signing a promissory note means that you agree to repay the loan in accordance with the terms of the promissory note.[NEWLINE]user: I was just thinking about asking about the loan. In the Federal Perkins Loan Program, who would declare?[NEWLINE]agent: The loan holder can declare that the loan is in default if they do not make their scheduled payment by the due date.[NEWLINE][BOUNDARY][NEWLINE]user: and what should i pay?[NEWLINE]agent: It is important to pay the amount that appears on your bill and pay before the due date.[NEWLINE]user: What happens if I am behind on my student loan for more than 90 days?[NEWLINE]agent: In that case your loan servicer will report delinquencies to the top three national credit bureaus[NEWLINE]user: What if my payment is due?


user: I am delinquent on a loan do I really have to pay?[NEWLINE]agent: Loans must be repaid[NEWLINE]agent: Have you missed a payment?[NEWLINE]user: I have missed a few[NEWLINE]agent: You need to talk to the organization that handles billing and other services for your loan to avoid defaulting on your loan.[NEWLINE][BOUNDARY][NEWLINE]user: Are you also aware of these records? What important documents should I keep in a well-organized file?[NEWLINE]agent: it is important that you keep your promissory note, among others[NEWLINE][BOUNDARY][NEWLINE]user: who do I contact for the Perkins loan?[NEWLINE]agent: You can contact the school where you received the loan[NEWLINE]user: and for the direct loan too?[NEWLINE]agent: Get in touch with the loan servicer[NEWLINE][BOUNDARY][NEWLINE]user: will delinquency give me a poor credit rating?[NEWLINE]agent: Yes, and if you have a poor credit rating it can be difficult to obtain credit cards or loans.[NEWLINE][BOUNDARY][NEWLINE]user: If I default who should I call to work it out?


user: I might be in loan trouble[NEWLINE]agent: You have to repay your loans[NEWLINE]agent: Are you having trouble making payments?[NEWLINE]user: yes I am[NEWLINE]agent: You should contact the organization that handles billing for your loan and discuss option with them.[NEWLINE][BOUNDARY][NEWLINE]user: Perfect I will contact them but would you be so kind to give me a number or website to communicate with?. What are the important documents that I should have in an organized file?[NEWLINE]agent: it is important that you keep your promissory note, among others[NEWLINE][BOUNDARY][NEWLINE]user: who do I contact for the direct loan program I'm in?[NEWLINE]agent: You can contact the loan servicer[NEWLINE][BOUNDARY][NEWLINE]user: when do I become delinquent?[NEWLINE]agent: Your loan becomes delinquent the first day after you miss a student loan payment,[NEWLINE]user: what if I've missed payments for about 3 months?[NEWLINE]agent: Your loan servicer will report the delinquency to the three major national credit bureaus[NEWLINE]user: what if I still can't pay everything I owe?


user: I'm not making payments on my loan[NEWLINE]agent: You need to make your loan payments.[NEWLINE]agent: Are you having trouble making payments?[NEWLINE]user: not really, just got behnd[NEWLINE]agent: Are you on the William D. Ford Federal Direct Loan Program or the Federal Family Education Loan Program?[NEWLINE]user: I have a Ford federal direct loan[NEWLINE]agent: You need to contact your loan servicer and work it out with them before you get into credit problems[NEWLINE][BOUNDARY][NEWLINE]user: About my monthly payments, what alternatives do I have if I cannot pay my monthly payment?[NEWLINE]agent: one option is to change the due date of your payment[NEWLINE][BOUNDARY][NEWLINE]user: I read somewhere that you should contact the Perkins loan servicer.  is that appropriate in my case?[NEWLINE]agent: You would contact the ECSI Federal Perkins Loan Servicer if you were on the Federal Perkins Loan Program.[NEWLINE][BOUNDARY][NEWLINE]user: when do I risk getting into default?[NEWLINE]agent: The point when a loan is considered to be in default varies depending on the type of loan you have received[NEWLINE][BOUNDARY][NEWLINE]user: what kind of help can we get because of the coronavirus?


user: I was wondering what happens if I can't pay my student loan and I'd appreciate some answers.[NEWLINE]agent: Of course. Loans must be repaid.[NEWLINE]user: Yes, but what if I have missed a payment or are having trouble making payments?[NEWLINE]agent: Then you should immediately contact and discuss options with the organization that handles billing and other services for your loan to avoid defaulting on your loan.[NEWLINE]user: What should I do next then? I'm using William D. Ford Federal Direct Loan Program.[NEWLINE]agent: In that case, contact your loan servicer.[NEWLINE]user: What if I don't know who my loan servicer is?[NEWLINE]agent: Then you'll have to call the Federal Student Aid Information Center (FSAIC) at 1-800-433-3243.[NEWLINE][BOUNDARY][NEWLINE]user: I'll give that number a call later. So, what if my loan was mistakenly put in default?[NEWLINE]agent: Do you believe your loan has been placed in default by mistake?[NEWLINE]user: Yes, pretty much.


user: What happens with student loan delinquency and default?[NEWLINE]agent: Make sure you are paying your loans because they must be repaid and not put into delinquency because of non payment.[NEWLINE]agent: Have you missed a payment or having trouble making payments?[NEWLINE]user: Yes, I have missed a payment because having trouble making payments.[NEWLINE]agent: It is important for you to contact and discuss options immediately with the organization that handles billing and other services for your loan to avoid defaulting on your loan.[NEWLINE]user: who should I contact for the Federal Perkins Loan Program?[NEWLINE]agent: You should contact the school where you received all the loan details for.[NEWLINE]user: What is happening with regards to student loans during the COVID-19 emergency?[NEWLINE]agent: All federal student loan borrowers have been automatically placed into an administrative forbearance and alllows you to stop paying monthly payments for now and no interest is being charged.[NEWLINE][BOUNDARY][NEWLINE]user: What if I have a poor credit rating?[NEWLINE]agent: It might be difficult for you to obtain things like credit cards.[NEWLINE][BOUNDARY][NEWLINE]user: What if I have defaulted on some of my federal student loans?


user: I came here to learn more a bout student loan delinquency. What can you tell me about that?[NEWLINE]agent: Of course. First of all you should be aware that loans must be repaid.[NEWLINE]agent: Have you missed a payment or are you having trouble making payments?[NEWLINE]user: No, I haven't.[NEWLINE]agent: Are you using the William D. Ford Federal Direct Loan Program or the Federal Family Education Loan Program?[NEWLINE]user: Yes, the latter.[NEWLINE]agent: In that case you should contact your loan servicer.[NEWLINE][BOUNDARY][NEWLINE]user: Will do. Say, what could a poor credit rating mean for me?[NEWLINE]agent: You may have trouble signing up for utilities, for example.[NEWLINE][BOUNDARY][NEWLINE]user: What if my loan continues to be delinquent?[NEWLINE]agent: Then the loan may go into default. The point when a loan is considered to be in default varies depending on the type of loan you received.[NEWLINE]user: I see. And what happens if I defaulted on any of my federal student loans?


user: who can get the public service loan forgiveness?[NEWLINE]agent: Are you employed by a U.S. federal, state, local, or tribal government or not-for-profit organization?[NEWLINE]user: no I'm not just doing my research[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: what loans don't qualify 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: Even, have you heard of Payment Plan? REPAYE and ICR Plans: What They Are and What They Include[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: Could you please advise me on the appropriate repayment plan for my federal Perkins loan?[NEWLINE]agent: The options for the repayment plan of the Perkins Loan are not the same as for the loans of the Direct Loan Program or the FFEL Program. Check with your school for more information on Perkins loan repayment plans.[NEWLINE][BOUNDARY][NEWLINE]user: I'd like to ask another thing regarding PSLF. What requirements must be met in order to qualify?[NEWLINE]agent: You can answer some questions and we'll find out if you qualify.  Are you  employed by a U.S. federal, state, local, or tribal government or not-for-profit organization?[NEWLINE]user: For information purposes lets say that I am employed by them.[NEWLINE]agent: Okay, do you work full-time for the agency or organization that employs you?[NEWLINE]user: no, lets say I am a part-timer.


user: I wanted to know if I can get loan forgiveness[NEWLINE]agent: Are you employed by a U.S. federal, state, local, or tribal government or not-for-profit organization?[NEWLINE]user: I'm a state employee[NEWLINE]agent: You might be eligible for the Public Service Loan Forgiveness Program[NEWLINE]user: can I still qualify if I was denied because of how I made payments on my repayment plan?[NEWLINE]agent: You might still be eligible for forgiveness through Temporary Expanded Public Service Loan Forgiveness[NEWLINE][BOUNDARY][NEWLINE]user: what must I have to qualify for the school loan forgiveness?[NEWLINE]agent: Are you employed by a U.S. federal, state, local, or tribal government or not-for-profit organization?[NEWLINE]user: null[NEWLINE]agent: You do not qualify for PSLF.[NEWLINE][BOUNDARY][NEWLINE]user: If I did qualify what would it do for me?


user: Hi, I am having difficulty paying my student loans and was wondering if I could consolidate my loans to help with my financial position?[NEWLINE]agent: This can be done but you should weight the pros and cons of consolidation and decide whether a Direct Consolidation Loan is right for you.[NEWLINE][BOUNDARY][NEWLINE]user: If I choose to consolidate my loans when can this be done?[NEWLINE]agent: Generally you are eligible to consolidate your loans after you graduate, leave school, or drop below half-time enrollment.[NEWLINE][BOUNDARY][NEWLINE]user: One more question, for loan consolidation, could you assist me in gaining a better understanding of default?[NEWLINE]agent: is your loan still delinquent?[NEWLINE]user: yes[NEWLINE]agent: the loan may be in default. The point at which a loan is considered past due varies depending on the type of loan you received.[NEWLINE][BOUNDARY][NEWLINE]user: What if I still have a delay in payment?[NEWLINE]agent: your loan may run the risk of default. Don't ignore the unpaid payments on your student loan that can have serious consequences. Learn more about how to avoid default.[NEWLINE]user: and what can happen if I don't make the payment?


user: Hi, I have a number of student loans and am wondering if I consolidated them into one loan if that would benefit me.[NEWLINE]agent: Consolidated your federal education loans may simplify your payments but it can also result in the loss of some benefits. Before consolidating your loans you should weight the pros and cons of doing so and decide whether a Direct Consolidation Loan is right for you.[NEWLINE][BOUNDARY][NEWLINE]user: If I wish to consolidate my loans who so I contact if I have questions about the consolidation?[NEWLINE]agent: This depends very much on where you are in the consolidation process.[NEWLINE]agent: Have you applied for a Direct Consolidation Loan?[NEWLINE]user: Yes I have already applied for a consolidation loan.[NEWLINE]agent: In that case it would be best if you contacted the Student Loan Support Center at 1-800-557-7394.[NEWLINE][BOUNDARY][NEWLINE]user: This is like student loan deferment that allows you to temporarily stop making payments. Are there any other options to think about?[NEWLINE]agent: Actually yes, there is an income-driven repayment plan that you should consider.[NEWLINE][BOUNDARY][NEWLINE]user: When do I have to begin repayment of my consolidation loan, if I still have current loans in the grace period?[NEWLINE]agent: You will not have to begin making payments on your new Direct Consolidation Loan until closer to the end of the grace period on your current loans.[NEWLINE][BOUNDARY][NEWLINE]user: There is something else, about the list of loans that can be considered as alternatives, then what loans don't qualify?


user: I want to look into consolidating my student loans[NEWLINE]agent: We can help you learn about consolidation so you can decide whether a Direct Consolidation Loan is right for you[NEWLINE][BOUNDARY][NEWLINE]user: are there certain conditions for when we can consolidate loans?[NEWLINE]agent: We have eligibility requirements for receiving a Direct Consolidation Loan[NEWLINE]agent: Did you want to consolidate a defaulted loan?[NEWLINE]user: no[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: no, no defaults yet and I have other questions[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: what's good about consolidating?[NEWLINE]agent: It will allow you to combine multiple federal education loans into one loan, so you will have a single monthly payment instead of multiple payments. Loan consolidation can also give you access to additional loan repayment plans and forgiveness programs.[NEWLINE]user: I would be super happy if it is done as you say. This is great news. Is there a time that I must have taught before I am eligible?[NEWLINE]agent: Yes. Your eligibility for the loan cancellation and the amount of your loan that will be cancelled depends on the length of time that you have taught.[NEWLINE][BOUNDARY][NEWLINE]user: Is it a good idea for my son to consolidate his student loans?


user: Hello there, I have some questions about the fact that I have noticed a reduction on the benefits I have received in the past few days.[NEWLINE]agent: Sure, let see. This might be caused due a consolidation of your federal education loan.[NEWLINE][BOUNDARY][NEWLINE]user: I see... So this will make me start paying already my loan?[NEWLINE]agent: That's right, the payment of a direct consolidation loan will begin within 60 days after the loan is disbursed.[NEWLINE]agent: Do you know if any of your loans are still in the grace period?[NEWLINE]user: No, has far as I know.[NEWLINE]agent: And have you think about to apply for a delay on the consolidation of your loan?[NEWLINE]user: Not really, I haven't considered that option.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: It's possible to modify a little some of my variables on my loan so I can get a fixed interest rate?[NEWLINE]agent: Yes, is possible to do it.[NEWLINE][BOUNDARY][NEWLINE]user: I'd like to learn more about (PSLF).[NEWLINE]agent: The PSLF Program forgives the remaining balance on your Direct Loans after you have made 120 qualifying monthly payments under a qualifying repayment plan while working full - time for a qualifying employer. What would it mean for me if I did qualify?[NEWLINE][BOUNDARY][NEWLINE]user: I see. Another question on Student Loan, what is a graduate fellowship deferment?


user: tell me about student loan consolidation[NEWLINE]agent: I can answer your questions about consolidation so you can weigh the pros and cons and decide whether a Direct Consolidation Loan is right for you.[NEWLINE][BOUNDARY][NEWLINE]user: do you recommend I consolidate a federal perkins loan?[NEWLINE]agent: If you have Federal Perkins Loans and you are employed in an occupation that would qualify you for Perkins Loan cancellation benefits, you should not include your Perkins Loans when you consolidate.[NEWLINE][BOUNDARY][NEWLINE]user: Another concern on consolidating student loans. What is a deferment of a graduate fellowship?[NEWLINE]agent: It is a deferment that if you are enrolled in an approved graduate fellowship program, which is one that provides financial support to graduate students to pursue graduate studies and research, you are eligible for the deferment.[NEWLINE][BOUNDARY][NEWLINE]user: Could I be eligible for the military service deferment?[NEWLINE]agent: Are you on active duty military service in connection with a war, military operation, or national emergency?[NEWLINE]user: yes, I am in military service.[NEWLINE]agent: Then you could be eligible for the military service deferment.[NEWLINE][BOUNDARY][NEWLINE]user: Am I making progress toward forgiveness when on an deferment?


user: Does consolidating my federal educational loans help?[NEWLINE]agent: Their are pros and cons when consolidating your educational loans.[NEWLINE][BOUNDARY][NEWLINE]user: Can I reconsolidate an existing FFEL Consolidation Loan?[NEWLINE]agent: You might be able to reconsolidate an existing FFEL Consolidation Loan without including any additional loans.[NEWLINE][BOUNDARY][NEWLINE]user: Okay, now regarding the default on student loan payments, can you help me better understand this "default"?[NEWLINE]agent: is your loan still delinquent?[NEWLINE]user: yes[NEWLINE]agent: the loan may be in default. The point at which a loan is considered past due varies depending on the type of loan you received.[NEWLINE][BOUNDARY][NEWLINE]user: What if I still have a delay in payment?[NEWLINE]agent: your loan may run the risk of default. Don't ignore the unpaid payments on your student loan that can have serious consequences. Learn more about how to avoid default.[NEWLINE]user: and what can happen if I don't make the payment?


user: Is there pros and cons with consolidating my federal educational loans?[NEWLINE]agent: Yes, you should learn about the pros and cons of using a Direct Consolidation Loan.[NEWLINE][BOUNDARY][NEWLINE]user: Is there a repayment plan to help lower payments?[NEWLINE]agent: It is called an Income-Based Repayment Plan and could help with lower payments.[NEWLINE][BOUNDARY][NEWLINE]user: Another student loan delinquency and default related issue. Could you please assist me in gaining a better understanding of the default settings?[NEWLINE]agent: is your loan still delinquent?[NEWLINE]user: yes[NEWLINE]agent: the loan may be in default. The point at which a loan is considered past due varies depending on the type of loan you received.[NEWLINE][BOUNDARY][NEWLINE]user: What if I still have a delay in payment?[NEWLINE]agent: your loan may run the risk of default. Don't ignore the unpaid payments on your student loan that can have serious consequences. Learn more about how to avoid default.[NEWLINE]user: and what can happen if I don't make the payment?


user: Are there pros and cons when consolidating my federal education loans?[NEWLINE]agent: Yes, there are pros and cons when you want to get a Direct Consolidation Loan.[NEWLINE][BOUNDARY][NEWLINE]user: Do there happen to be different repayment plans available?[NEWLINE]agent: Yes, there are several repayment plans including income-driven repayment plans and you will be able to select a plan when you apply for Direct Consolidation Loan.[NEWLINE][BOUNDARY][NEWLINE]user: I have a question about the Loan Delinquency?[NEWLINE]agent: is your loan still delinquent?[NEWLINE]user: yes[NEWLINE]agent: the loan may be in default. The point at which a loan is considered past due varies depending on the type of loan you received.[NEWLINE][BOUNDARY][NEWLINE]user: What if I still have a delay in payment?[NEWLINE]agent: your loan may run the risk of default. Don't ignore the unpaid payments on your student loan that can have serious consequences. Learn more about how to avoid default.[NEWLINE]user: and what can happen if I don't make the payment?


user: What does consolidating your federal education help with and not help with?[NEWLINE]agent: It is best to learn about consolidation so you can learn about the pros and cons and decide if Direct Consolidation Loan is best for you.[NEWLINE][BOUNDARY][NEWLINE]user: When am I able to consolidate my loans?[NEWLINE]agent: After you graduate, leave school, or drop below half-time enrollment is when you are eligible for consolidation.[NEWLINE][BOUNDARY][NEWLINE]user: Another question on Student Loan Delinquency and Default. Could you please assist me in gaining a better understanding of the default settings?[NEWLINE]agent: is your loan still delinquent?[NEWLINE]user: yes[NEWLINE]agent: the loan may be in default. The point at which a loan is considered past due varies depending on the type of loan you received.[NEWLINE][BOUNDARY][NEWLINE]user: What if I still have a delay in payment?[NEWLINE]agent: your loan may run the risk of default. Don't ignore the unpaid payments on your student loan that can have serious consequences. Learn more about how to avoid default.[NEWLINE]user: and what can happen if I don't make the payment?


user: Hello. I have some questions related to the consolidation of the loan I have.[NEWLINE]agent: Sure, no problem. We can help you. The best thing to do is get more information, because consolidation of your loan can simply your payments but also can make you lose some benefits.[NEWLINE][BOUNDARY][NEWLINE]user: The health professions students loans can be consolidated?[NEWLINE]agent: Yes, the can.[NEWLINE][BOUNDARY][NEWLINE]user: I got it. Another question I have regarding Managing my cases How can I get help?[NEWLINE][BOUNDARY][NEWLINE]agent: Do you need to speak to an agent?[NEWLINE]user: No, I don't need to speak to an agent.[NEWLINE][BOUNDARY][NEWLINE]agent: Would you need to look at some popular topics for your answers?[NEWLINE]user: Yes, I would like to look at some popular topics that could help me.[NEWLINE][BOUNDARY][NEWLINE]user: Can I share some positive feedback I have?[NEWLINE]agent: Yes, some positive feedback is always welcome at the feedback center.[NEWLINE][BOUNDARY][NEWLINE]user: How can I speak to an agent if I wanted to?


user: I need to know if I'm eligible to have my Federal Perkins Loan cancelled.[NEWLINE]agent: I'll be happy to help you find out if you are eligible.[NEWLINE][BOUNDARY][NEWLINE]user: What exactly is the Perkins Loan Teacher Cancellation?[NEWLINE][BOUNDARY][NEWLINE]agent: Are you familiar with the eligibility requirements for the Perkins Loan Teacher Cancellation?[NEWLINE]user: I know a little bit, but I'd like to find out more.[NEWLINE]agent: Have you served full-time in a public or non-profit elementary or secondary school system?[NEWLINE]user: Yes. I'm an elementary school teacher at a public school.[NEWLINE]agent: Excellent. Do you teach at a school serving students from low-income families?[NEWLINE]user: Yes, I do.[NEWLINE]agent: Great. You qualify for cancellation of part or all of your Federal Perkins Loan.[NEWLINE][BOUNDARY][NEWLINE]user: Could you determine if the amount of a loan canceled due to TPD can be treated as taxable income for federal tax purposes?[NEWLINE]agent: Yes, but the date you are considered to be discharged is different depending on how you qualified for the discharge.[NEWLINE][BOUNDARY][NEWLINE]user: What can I do if I received loans for several different study programs at the same school, but could not complete any of the programs. Can all loans be canceled?


user: Hi, I was wondering if I can qualify to have the entire federal loan canceled?[NEWLINE]agent: It is important to seek information regarding the topic.[NEWLINE][BOUNDARY][NEWLINE]user: Eligible for Perkins Loan Master Cancellation?[NEWLINE][BOUNDARY][NEWLINE]agent: You have to be clear about the eligibility requirements.[NEWLINE]user: Can you tell me what are the eligibility requirements please?[NEWLINE]agent: You can be forgiven for debt if you have served full time in a public school system.[NEWLINE]user: Perfect, what else do I need to know?[NEWLINE]agent: It is important to know that there is a teacher at a school that serves students from low-income families.[NEWLINE]user: Can you tell me more about it?[NEWLINE]agent: This is a special education teacher.[NEWLINE]user: In what sense does that figure occur?[NEWLINE]agent: This occurs due to the shortage of qualified teachers in that state.[NEWLINE]user: In what areas is this happening?[NEWLINE]agent: You can choose to cancel 100% of the debt if you meet certain requirements.[NEWLINE][BOUNDARY][NEWLINE]user: What if I initially enrolled in Program A but later decided not to continue with that program and transferred to Program B?[NEWLINE]agent: only the loans you received for Program B could be repaid.[NEWLINE][BOUNDARY][NEWLINE]user: What do you do if you were discharged from a TPD on the basis of a doctor's approval but your three-year post-discharge period hasn't expired?


user: What is the Direct PLUS Loan Application for supplemental information for?[NEWLINE]agent: Do you want to know what a Direct PLUS Loan Application for parents is?[NEWLINE]user: Do, I do not need to know this.[NEWLINE][BOUNDARY][NEWLINE]agent: Do you want to apply for a PLUS loan?[NEWLINE]user: No, I do not want to apply for a PLUS loan.[NEWLINE][BOUNDARY][NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: Is there a demo for applying for a PLUS loan?[NEWLINE]agent: Yes, Log in to start demo.[NEWLINE][BOUNDARY][NEWLINE]user: Is there anything I need to know before I continue with the process?[NEWLINE]agent: Yes, there is a few things about a security freeze on your credit you need to know about before continueing.[NEWLINE]user: As a parent borrower what can I designate on the Direct PLUS loan application?


user: Hello there. Can you please tell me something about federal student loans? How exactly do they work?[NEWLINE]agent: Of course. You should always remember, that you must repay your loan, so be sure you understand your options and responsibilities.[NEWLINE]agent: Are you applying for financial aid?[NEWLINE]user: Yes, I am applying.[NEWLINE]agent: In that case you may be offered loans as part of your school's financial aid offer. A loan is money you borrow and must pay back with interest.[NEWLINE][BOUNDARY][NEWLINE]user: That's great to hear! Another concern is who receives assistance. What factors could influence my financial aid eligibility?[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: How much money can I borrow in federal student loans?[NEWLINE]agent: The maximum amount you can borrow each year in Direct Subsidized Loans and Direct Unsubsidized Loans ranges from $ 5,500 to $ 12,500 per year, depending on what year you are in school and your dependency status.[NEWLINE][BOUNDARY][NEWLINE]user: Another thing about FAFSA4caster, could you give me information about how it helps me in my student case and how do you calculate my aid?[NEWLINE]agent: You can use FAFSA4caster, it is a helpful tool for anyone who is not yet ready to submit a FAFSA form. Parents of younger students can use FAFSA4caster to receive early estimates, create scenarios based on future earnings, and then establish college funding strategies.[NEWLINE][BOUNDARY][NEWLINE]user: Another concern about student loans from the federal government for college. What if I decide to borrow money?[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: Which types of direct loans are available?[NEWLINE]agent: Direct Unsubsidized Loans, to name an example, are loans made to eligible undergraduate, graduate, and professional students, but eligibility is not based on financial need.[NEWLINE][BOUNDARY][NEWLINE]user: And how do I receive a federal student loan?[NEWLINE]agent: Do you want to apply for a federal student loan?[NEWLINE]user: Yes, I am.


user: Hello, can you tell me what requirements are asked to qualify for federal student aid?[NEWLINE]agent: Above all it is of great importance to review the basic eligibility criteria.[NEWLINE][BOUNDARY][NEWLINE]user: What if you are not a US citizen or an eligible non-citizen?[NEWLINE]agent: It is important that you comply with what you just mentioned to opt for the aid plan.[NEWLINE]user: Can you advise me regarding the Basic Eligibility Criteria?[NEWLINE]agent: There are several criteria that you must meet to apply for student aid.[NEWLINE][BOUNDARY][NEWLINE]user: Could you tell me more about regaining eligibility?[NEWLINE]agent: Have you been told that you do not qualify? You may be able to figure out how to get eligibility.[NEWLINE][BOUNDARY][NEWLINE]user: No, that's why I am asking you. I just really want to be able to go to college in the United States![NEWLINE]agent: Are you experiencing homelessness? That would qualify you for financial aid.[NEWLINE][BOUNDARY][NEWLINE]user: What? No? I just want to be able to come to the United States to study. I have intellectual disabilities and I heard that they schools there are helpful with that.


user: Do I need to meet certain requirements to get federal student aid?[NEWLINE]agent: Yes there are basic eligibility criteria to receive student aid.[NEWLINE][BOUNDARY][NEWLINE]user: What is federal student aid used for?[NEWLINE]agent: FSA must only be used for educational purposes.[NEWLINE][BOUNDARY][NEWLINE]user: Should I still fill out an FAFSA form if I've been granted DACA? Where do I send the FAFSA application?[NEWLINE]agent: It is essential that you go to the financial aid office to request information related to the subject.[NEWLINE][BOUNDARY][NEWLINE]user: If I am not an eligible citizen, what can I do?[NEWLINE]agent: Also so far I only have a Notice of approval to apply for residency.[NEWLINE]user: I only have a Notice of Approval to apply for residency, can I qualify for the aid?[NEWLINE]agent: Can't you currently receive federal aid if you are not a US citizen?[NEWLINE][BOUNDARY][NEWLINE]user: Can I go to the embassy to request information regarding the subject?


user: I need to know where I can report someone for messing with my money?[NEWLINE]agent: Do you believe your school is not administering federal student aid funds properly?[NEWLINE]user: I don't know about that, just my own money[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE]user: what can I do if I don't I think they did my grants right?[NEWLINE]agent: Do you feel your school paid out your aid incorrectly,  in the wrong amount, at the wrong time, or not at all?[NEWLINE]user: no I think they didn't do it right, like before they paid me they messed up[NEWLINE]agent: Do you think your school has policies but isn’t following them?[NEWLINE]user: Don't know anything about policies or any of that[NEWLINE]agent: Do you feel your school or its representative has made false or misleading statements about the school's financial charges?[NEWLINE]user: no, just think I should have gotten more money and they did my application wrong[NEWLINE]agent: You don't think it was correct the way the school calculated your eligibility for federal student grants[NEWLINE][BOUNDARY][NEWLINE]user: Now, regarding federal student aid, how do you figure out how much federal student assistance I'll get?[NEWLINE]agent: You can use FAFSA4caster, it is a helpful tool for anyone who is not yet ready to submit a FAFSA form. Parents of younger students can use FAFSA4caster to receive early estimates, create scenarios based on future earnings, and then establish college funding strategies.[NEWLINE][BOUNDARY][NEWLINE]user: Does the federal government provide any type of aid other than Federal Student Aid? how could i apply?


user: Can I get help for the military service of a relative or myself?[NEWLINE]agent: If you can choose for reimbursement and it is noteworthy that they are available from various sources.[NEWLINE][BOUNDARY][NEWLINE]user: Can you tell me more about it?[NEWLINE]agent: It is noteworthy that the postponement will extend for an additional 180 days.[NEWLINE][BOUNDARY][NEWLINE]user: I'd like to know if the information on Loan Simulator will be beneficial to me when I apply for the loan?[NEWLINE]agent: The result of the loan simulator is just for informational purposes.[NEWLINE][BOUNDARY][NEWLINE]user: I see. But this will help you to be more accurate on what you can do for someone like me?[NEWLINE]agent: Yes, along with your feedback, questions and any kind of request, will help to improve the tool.[NEWLINE][BOUNDARY][NEWLINE]user: This may help me to know what would happen if I try to borrow more money for any extraordinary situation?[NEWLINE]agent: yes, it can help you to know what would happen if you ask for more money for extra educational expenses, returning to school or finishing your studies later than expected.[NEWLINE][BOUNDARY][NEWLINE]user: Great, that sounds pretty cool and use full, I can share this tool with my friends?


user: Are there any tax benefits available from the IRS in relation to education costs?[NEWLINE]agent: Yes, there are benefits applicable, you can use these benefits to recoup some of the expenses that you have spent on tuition or loan interest. You can also use the benefits to maximize your college savings[NEWLINE][BOUNDARY][NEWLINE]user: Is it possible for me to withdraw funds from an IRA account to cover my college costs?[NEWLINE]agent: Yes, this is possible. You will need to pay income tax on the amount you withdraw from your IRA account, but no early withdrawal penalty will be applicable[NEWLINE]user: Are you aware of these records as well? What documents should I keep in a well-organized file?[NEWLINE]agent: it is important that you keep your promissory note, among others[NEWLINE][BOUNDARY][NEWLINE]user: What options do I have if I had problems with monthly payments?[NEWLINE]agent: one option is to change the due date of your payment[NEWLINE][BOUNDARY][NEWLINE]user: What is simplifying repayment with consolidation?[NEWLINE]agent: You may want to combine your multiple federal student loans into a single direct consolidation loan to simplify repayment. There may be trade-offs, so understand the advantages and potential disadvantages of consolidation before submitting the application.[NEWLINE][BOUNDARY][NEWLINE]user: En relación con los contratos de préstamo, ¿cuál es su pagaré?


user: I need help understanding federal student loans and private student loans.[NEWLINE]agent: Will you be needing a loan to help pay for college?[NEWLINE]user: No. The loan will be for my son.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: Which are more expensive, private student loans or federal student loans?[NEWLINE]agent: Generally, private students loans are more expensive.[NEWLINE][BOUNDARY][NEWLINE]user: Can you tell me on which income-driven repayment plan I should apply if I have FFEL Program loans?[NEWLINE]agent: if you want a plan your only income based payment plan option is the IBR Plan[NEWLINE][BOUNDARY][NEWLINE]user: Good to know! Another related question that is special about that IBR plan. What should I know about private student loans?[NEWLINE]agent: The first thing you should know is that these loans differ by lender and type of loan. This can make them more complicated to understand compared to federal student loans. It's very important that you understand the terms of the loan and have your lender answer any questions that you have.[NEWLINE][BOUNDARY][NEWLINE]user: If you have any information of Aid Resources? Is there any other form of financial assistance available besides Federal Student Aid?[NEWLINE]agent: Yes. The federal government offers other financial aid programs besides Federal Student Aid.[NEWLINE][BOUNDARY][NEWLINE]user: I see. Another question, What should I know about private student loans?  What if my son will be applying for financial aid?[NEWLINE]agent: Your son's school will more than likely include student loans as part of his financial aid package. These could be federal or private loans.[NEWLINE][BOUNDARY][NEWLINE]user: How can my son get a federal student loan?[NEWLINE]agent: Will your son be applying for a federal loan?[NEWLINE]user: Yes.


user: Hello, can you inform me if I am eligible for the cancellation of a student loan through a false certification?[NEWLINE]agent: It is important to search for information regarding the approval of the false certification to see if you qualify.[NEWLINE][BOUNDARY][NEWLINE]user: Can you expand that information more please?[NEWLINE]agent: You can visit the US Department of Education to request more information on the subject.[NEWLINE][BOUNDARY][NEWLINE]user: What are the Discharge Criteria that I must follow if I want to be eligible for a 100% discharge of my Federal Program loans?[NEWLINE]agent: Were you enrolled when your school closed?[NEWLINE]user: was not enrolled[NEWLINE]agent: and were you on an approved leave of absence when your school closed?[NEWLINE]user: neither[NEWLINE]agent: Did your school close within 120 days of retirement?[NEWLINE]user: if it closed within 120 days


user: Hello, can you tell me if I can be eligible for loan cancellation based on a false certification?[NEWLINE]agent: It is important that you determine if you qualify so that you can qualify for the false certification.[NEWLINE][BOUNDARY][NEWLINE]user: What is the PLUS loan please?[NEWLINE]agent: It is noteworthy that the school falsely certified the ability to seek benefit.[NEWLINE]user: Can you explain more about what was stated above?[NEWLINE]agent: Of course, and what do you want to know more about?[NEWLINE][BOUNDARY][NEWLINE]user: How can I prove that I am qualified for a TPD download?[NEWLINE]agent: Do you have documentation from the United States Department of Veterans Affairs VA?[NEWLINE]user: if I have[NEWLINE]agent: you must also provide two other sources[NEWLINE][BOUNDARY][NEWLINE]user: Should you determine if the amount of a loan written off due to TPD can be treated as taxable income for federal tax purposes?


user: Could forgiveness of my federal student loan be available if the school I attended misled me or engaged in misconduct in violation of certain laws?[NEWLINE]agent: Yes, this is available and the loan forgiveness is called borrower defense to repayment and you can learn more.[NEWLINE][BOUNDARY][NEWLINE]user: What if I accidentally used two email addresses associated with my borrower defense application?[NEWLINE]agent: The ED will send a notification email to both of the email addresses on file.[NEWLINE][BOUNDARY][NEWLINE]user: I just remember to ask about Teacher Loan Forgiveness Program, can you explain to me on the subject?[NEWLINE]agent: Of course, if in the five-year period, it will not count towards the 120 monthly payments required for the Public Service Loan Forgiveness Program.[NEWLINE][BOUNDARY][NEWLINE]user: Can you inform me of the maximum amount to receive?[NEWLINE]agent: You can choose 17500 and you have to show that you qualify for such a plan.[NEWLINE]user: Who qualify for this purpose?[NEWLINE]agent: It is noteworthy that the loans range from $ 17,500 to $ 5,000 depending on the case.[NEWLINE][BOUNDARY][NEWLINE]user: What does the AmeriCorps Program consist of?


user: What is the name of the forgiveness if I was misled by a school?[NEWLINE]agent: That type of loan forgiveness is called borrower defense to repayment.[NEWLINE][BOUNDARY][NEWLINE]user: Are there resources for help about borrower defense?[NEWLINE]agent: Do you have questions you need answered about borrower defense?[NEWLINE]user: Not at this time.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: What if I have comments or disagree with a proposed settlement?[NEWLINE]agent: You would have to mail it the Clerk of the Court of the United States District Court Northern District of California, 450 Golden Gate Avenue, San Francisco, CA 94102.[NEWLINE][BOUNDARY][NEWLINE]user: I'm just looking for more detail on federal student loans. Is it possible to change your mind, after you've chosen a plan?[NEWLINE]agent: Although you can select or be assigned a payment plan when you start paying off your student loan, you can change your payment plans at any time for free.[NEWLINE][BOUNDARY][NEWLINE]user: I also require additional information about Borrower Defense Application. Where can I get more details about federal student loan repayment for Corinthian Colleges?[NEWLINE]agent: Just go to the section that states "Information about Debt Relief for Corinthian Colleges Students" page.[NEWLINE][BOUNDARY][NEWLINE]user: What should I do if I have defaulted on my federal student loan and have entered a rehabilitation plan?


user: I have heard that borrowers may be able to avail of forgiveness of their federal student loans if the school was found to have misled the borrower or engaged in misconduct. Is this true?[NEWLINE]agent: Yes, this does exist and is known as borrower defense to repayment, or borrower defense for short. Ther are sections on the website that go into this aspect further[NEWLINE][BOUNDARY][NEWLINE]user: How do I access notifications regarding the Sweet v. DeVos Lawsuit, are they available to the public?[NEWLINE]agent: Notifications regarding the Sweet v. DeVos Lawsuit will be emailed by the US Government in June/July 2020. These notifications will be emailed to borrower defense applicants who are deemed to be potential members of the group of borrowers that this lawsuit applies to. The notifications will inform this group of borrowers that there is a proposed settlement of the lawsuit[NEWLINE]agent: Are there questions that you have about these notifications that are not answered on the website?[NEWLINE]user: No, I have gone into this fully yet, but may do so in the near future[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: What is included under the term borrower defense discharge when related to the term Direct Loan?[NEWLINE]agent: We define the term Direct Loan in 34 CFR 685.206 to include Direct Consolidation loans[NEWLINE][BOUNDARY][NEWLINE]user: I also have a question about Public Service Loan Forgiveness. If I was rejected because of how I made payments on my repayment plan, would I still qualify?[NEWLINE]agent: You might still be eligible for forgiveness through Temporary Expanded Public Service Loan Forgiveness[NEWLINE][BOUNDARY][NEWLINE]user: what must I have to qualify for the school loan forgiveness?[NEWLINE]agent: Are you employed by a U.S. federal, state, local, or tribal government or not-for-profit organization?[NEWLINE]user: null[NEWLINE]agent: You do not qualify for PSLF.[NEWLINE][BOUNDARY][NEWLINE]user: If I did qualify what would it do for me?


user: Is there any option for a borrower to be eligible for debt forgiveness of a federal student loan if the school in question misled the borrower or were engaged in misconduct unbecoming of the school?[NEWLINE]agent: Yes, this type of debt forgiveness is called borrower defense to repayment, which is also shortened to borrower defense. There is more information available on the website[NEWLINE][BOUNDARY][NEWLINE]user: What are the notifications regarding Manriquez v. DeVos Lawsuit and will they affect me?[NEWLINE]agent: Borrower defense applicants who are potential members of the group of borrowers to whom the lawsuit applies will begin to receive notifications about this lawsuit fro the US Government from Dec 26, 2019. These notifications are sent by email from the address noreply@studentaid.gov[NEWLINE]agent: If I am due to receive a notification in relation to this lawsuit and I don't have a valid email address, what happens?[NEWLINE]user: No, I on;t think I fit into this category[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: Is there a way for me to apply for a Direct Consolidation Loan if I want to have my borrower defense discharge apply to my FFEL?[NEWLINE]agent: You can apply by logging on to StudentAid.gov/app/launchConsolidation.action. Once your Direct Consolidation Loan is approved, you can then contact the borrower defense hotline on 1-855-279-6207 from 8am to 8pm[NEWLINE][BOUNDARY][NEWLINE]user: What are the Discharge Criteria that I must follow if I want to be eligible for a 100% discharge of my Federal Program loans?[NEWLINE]agent: Were you enrolled when your school closed?[NEWLINE]user: was not enrolled[NEWLINE]agent: and were you on an approved leave of absence when your school closed?[NEWLINE]user: neither[NEWLINE]agent: Did your school close within 120 days of retirement?[NEWLINE]user: if it closed within 120 days


user: educate me on loan forgiveness because I think I was done wrong[NEWLINE]agent: Borrowers may be eligible for forgiveness of the federal student loans used to attend a school if that school misled them or engaged in other misconduct in violation of certain laws. This type of loan forgiveness is called “borrower defense to repayment,” sometimes abbreviated to “borrower defense.”[NEWLINE][BOUNDARY][NEWLINE]user: what will you review on an application?[NEWLINE]agent: They will look at things such as the campuses you attended, the programs in which you enrolled, and the dates that you enrolled[NEWLINE]user: can loan forgiveness be applied to a Federal Perkins loan?[NEWLINE]agent: If you consolidate your loans into a Direct Consolidation Loan you can obtain a discharge[NEWLINE][BOUNDARY][NEWLINE]user: I need some info about the forgiveness under the Teacher Loan and Service Loan Forgiveness Program, could you help me out with this?[NEWLINE]agent: Of course, if in the five-year period, it will not count towards the 120 monthly payments required for the Public Service Loan Forgiveness Program.[NEWLINE][BOUNDARY][NEWLINE]user: Can you inform me of the maximum amount to receive?[NEWLINE]agent: You can choose 17500 and you have to show that you qualify for such a plan.[NEWLINE]user: Who qualify for this purpose?[NEWLINE]agent: It is noteworthy that the loans range from $ 17,500 to $ 5,000 depending on the case.[NEWLINE][BOUNDARY][NEWLINE]user: What does the AmeriCorps Program consist of?


user: I need to know if I am eligible for federal student loan forgiveness.[NEWLINE]agent: I can assist you with this. The type of loan forgiveness that you are referring to is known as borrower defense to repayment.[NEWLINE][BOUNDARY][NEWLINE]user: I defaulted on my federal student loan after entering a rehabilitation plan. Can I still qualify for loan forgiveness?[NEWLINE]agent: In your case, you should contact the collection agency that helped you set up the plan. They will be able to tell you whether or not, there would be any negative consequences if you chose to enter stopped collection status.[NEWLINE][BOUNDARY][NEWLINE]user: What about Direct Loans disbursed before July 1st, 2017?[NEWLINE]agent: If your school engaged in acts that would rise to a cause of action against the school under state law, you could be eligible for a discharge forgiveness of part or all of your Direct Loan.[NEWLINE][BOUNDARY][NEWLINE]user: I'd like to inquire about whether I might be eligible for a discharge of federal student loans. If I am approved for loan cancellation, how much money do I owe?[NEWLINE]agent: If you are approved then all the remaining balance of your loan will be canceled.[NEWLINE]user: What are the eligibility requirements?[NEWLINE]agent: It is also worth noting that any payment made on the loan will be reimbursed.[NEWLINE][BOUNDARY][NEWLINE]user: Perfect and what else can you tell me?


user: Could you give me more information regarding debt forgiveness of federal student loans as a result of a school misleading a student or being engaged in misconduct?[NEWLINE]agent: The type of debt forgiveness that you are speaking of is called borrower defense to repayment, which is also shortened to borrower defense. We have more sections on the website dedicated to this particular subject[NEWLINE][BOUNDARY][NEWLINE]user: Have you a section on your website dedicated to common questions and answers surrounding forbearance/stopped collections status?[NEWLINE]agent: When you apply for borrower defense, all the federal student loans you have are placed into forbearance. Any debt collections that you have on any federal student loans in default are also stopped, pending a full review. Interest does continue to accrue however on your federal student loans[NEWLINE]agent: What happens in relation to forbearance/stopped collections of my application for borrower defense is denied or partially denied?[NEWLINE]user: Yes, I have just found out the result of my application[NEWLINE]agent: In this instance, the interest that accumulated on your loans is added to the outstanding balance of your loans when you entered forbearance/stopped collections. This does mean that the amount you pay in the future could be higher than you initially thought[NEWLINE][BOUNDARY][NEWLINE]user: Understood, and regarding the payment of federal student loans, what options or payment plans can I have?[NEWLINE]agent: Check with your school for more information.[NEWLINE][BOUNDARY][NEWLINE]user: What if I filed a borrower defense request outside of the applicable period, or indeed, if my loan payments are less than the amount owed?[NEWLINE]agent: In this case, you will not be eligible for a refund of payments, as you loan servicer will not apply any previous payments made on the discharged loan or return any made payments to you[NEWLINE][BOUNDARY][NEWLINE]user: What does it mean to be granted a partial discharge on my federal student loan?[NEWLINE]agent: Any amount of your loan that is not discharged will need to be repaid by you, including any interest that has accrued. Any forbearance or stopped collections that you may have had on other borrowings will finish once you have been granted a partial discharge[NEWLINE][BOUNDARY][NEWLINE]user: Are there any additional documents that I can submit as part of my application for borrower defense?


user: I have reason to believe that I could be eligible for loan forgiveness in relation to my school, can you give me more information on this regard?[NEWLINE]agent: This loan forgiveness is known as borrower defense to repayment, or can be known as borrower defense for short. We have extensive information on our website about this[NEWLINE][BOUNDARY][NEWLINE]user: If my program earnings exceed those of the comparison earnings that are carried out by the ED, what happens?[NEWLINE]agent: In this case, even if you have filed an approved claim, you will not receive any discharge of your loan until it is associated with Corinthian Colleges, Inc. (CCI)[NEWLINE][BOUNDARY][NEWLINE]user: ok thanks also I would like to find out about the association with Corinthian Colleges, Inc. (CCI) and the Requirements to be a highly qualified teacher?[NEWLINE]agent: Do you have at least a bachelor's degree?[NEWLINE]user: if i have a bachelor[NEWLINE]agent: have you received full state certification as a teacher?[NEWLINE]user: I have not received it[NEWLINE]agent: cannot pass as a highly qualified teacher[NEWLINE][BOUNDARY][NEWLINE]user: If I have a direct consolidation loan, who would be eligible?


user: I think I may be eligible for debt forgiveness of my federal student loan due to a law violation carried out by my school. How do I pursue this?[NEWLINE]agent: The type of debt forgiveness you are talking about is called borrower defense to repayment, or borrower defense for short. There is further information on this particular item on the website[NEWLINE]user: Does the description of my issue come under borrower defense, do you know?[NEWLINE]agent: There are sections on the website dedicated to borrower defense and they will go through all questions and queries you may have[NEWLINE][BOUNDARY][NEWLINE]user: Regarding the discharge criteria, if I want to be 100 percent eligible for a discharge of my loans from the federal program, what requirements do I have to meet?[NEWLINE]agent: Were you enrolled when your school closed?[NEWLINE]user: was not enrolled[NEWLINE]agent: and were you on an approved leave of absence when your school closed?[NEWLINE]user: neither[NEWLINE]agent: Did your school close within 120 days of retirement?[NEWLINE]user: if it closed within 120 days


user: Hello there. My school misled me and I came here to find out if I am eligible for loan forgiveness in that context.[NEWLINE]agent: Of course. This type of loan forgiveness is called borrower defense to repayment, sometimes abbreviated to borrower defense.[NEWLINE][BOUNDARY][NEWLINE]user: Great. What happens if I receive a 100% discharge?[NEWLINE]agent: In that case you do not receive a separate interest waiver because your entire loan balance, including any interest, is discharged.[NEWLINE][BOUNDARY][NEWLINE]user: Is it possible for me to get loan forgiveness through the Teacher Loan Forgiveness Program and the Public Service Loan Forgiveness Program? Could you tell me more details regarding these?[NEWLINE]agent: Of course, if in the five-year period, it will not count towards the 120 monthly payments required for the Public Service Loan Forgiveness Program.[NEWLINE][BOUNDARY][NEWLINE]user: Can you inform me of the maximum amount to receive?[NEWLINE]agent: You can choose 17500 and you have to show that you qualify for such a plan.[NEWLINE]user: Who qualify for this purpose?[NEWLINE]agent: It is noteworthy that the loans range from $ 17,500 to $ 5,000 depending on the case.[NEWLINE][BOUNDARY][NEWLINE]user: What does the AmeriCorps Program consist of?


user: Hello, can you tell me what the FAFSA completion data consists of?[NEWLINE]agent: It is noteworthy that each past year they are different from the numbers.[NEWLINE]user: Can you tell me more about it?[NEWLINE]agent: It can happen due to several factors, also including the possibility that your institution appears more than once in the data.[NEWLINE][BOUNDARY][NEWLINE]user: Maybe an unrelated question now from FAFSA completion, are these tips good at any college?[NEWLINE]agent: You should go to the schools you are interested in to get additional information.[NEWLINE]user: why else should I take all the classes I can?[NEWLINE]agent: Most schools charge a set price for a specific number of credits taken in a semester, so it helps you when you finish school faster.[NEWLINE]user: any savings for school?[NEWLINE]agent: Are you the child of an alumnus or alumna?[NEWLINE]user: yes, both my parents graduated from college[NEWLINE]agent: Those colleges they attended may offer discounts on tuition[NEWLINE]user: how can I save on living expenses?


user: I have several questions about FAFSA termination[NEWLINE]agent: We have a section of questions we've heard about completion by the high school and public school district, what would be your question?[NEWLINE][BOUNDARY][NEWLINE]user: What are the FAFSA Completion Basics?[NEWLINE][BOUNDARY][NEWLINE]user: Based on the previous question, why do some districts appear blank on maps?[NEWLINE]agent: Please note that Districts are listed as missing or insufficient data if some conditions are met[NEWLINE]user: ok I understand but it is not the case that I am looking for[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: well but in some cases why does there seem to be duplicates from the same school?[NEWLINE]agent: This comes to pass since these school names are inherently reported by students, the reported name can vary considerably. By adding the data, our standard practice is to report the name of the school that applicants most commonly report.[NEWLINE][BOUNDARY][NEWLINE]user: OK thanks, about this program for Parent of an Undergraduate Student, how do I learn more about Master Promissory Notes?[NEWLINE]agent: Use this MPN for Direct PLUS Loans available to eligible parents and view the demo online.[NEWLINE][BOUNDARY][NEWLINE]user: How can I learn more?


user: Can you tell me who can qualify for federal student aid?[NEWLINE]agent: Most U.S citizens or eligible noncitizens can qualify to get financial aid for college or career school. But there are some criteria for each program that those interested need to meet.[NEWLINE][BOUNDARY][NEWLINE]agent: Do you want to know the eligibility requirements?[NEWLINE]user: Not right now.[NEWLINE][BOUNDARY][NEWLINE]agent: Students with a parent killed in Iraq or Afghanistan can qualify for another aid program. Is this your case?[NEWLINE]user: Actually, yes. Tell me more about it, please.[NEWLINE]agent: Sure[NEWLINE]agent: Did your parent die during military service in any of those two countries after the events of 9/11?[NEWLINE]user: Not after 9/11.[NEWLINE][BOUNDARY][NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: Is there any income cut-off to qualify for federal student aid?[NEWLINE]agent: No, no income cut-off. But factors as the size of your family and your year in school are taken into consideration.[NEWLINE][BOUNDARY][NEWLINE]user: If I want to get funds from the Direct Loan Program, what enrollment amount should I be in?[NEWLINE]agent:  To get Direct Loan Program funds, you must be enrolled at least half-time.[NEWLINE][BOUNDARY][NEWLINE]user: Can I go to the embassy and ask for information on the subject?


user: Hi, I am not from the United States but I applying to colleges there. Will I be able to get any sort of financial aid to attend college there?[NEWLINE]agent: There are some circumstances in which you would be able to get some financial aid. Would you like more information about that?[NEWLINE]agent: Have you been living in the United States already? Do you have a green card?[NEWLINE]user: No, I don't have a green card. I have only ever visited the United States. I have never lived there.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: Does that matter? Can I still qualify for financial aid?[NEWLINE]agent: You do have to be a U.S. citizen or eligible noncitizen in order to qualify.[NEWLINE][BOUNDARY][NEWLINE]user: Do you also know about the requirements for getting student aid? Apart from being registered in the selective service between the ages of 18 and 25, what other requirement do I need?[NEWLINE]agent: You must be enrolled or accepted for enrollment as a regular student in a eligible degree or certificate program to get student aid.[NEWLINE][BOUNDARY][NEWLINE]user: How could I prove I am qualified to obtain a higher education if I don't have a diploma?[NEWLINE]agent: Did  you pass approved ability to benefit test if you don't have a diploma or GED?[NEWLINE]user: Yes, I did pass the test..[NEWLINE]agent: Then you would be able to benefit from the Ability to Benefit alternatives.[NEWLINE][BOUNDARY][NEWLINE]user: Can I sign the form saying I am not in default on a federal student loan?


user: Hi. I want to go to college but I don't think I can afford it. I only have one parent because my dad died in the military when I was a baby. Do you know of anything that could help me?[NEWLINE]agent: Hello. I am sorry to hear about your father, and I would like to thank you and your family for his service and sacrifice. You may be eligible to get Federal Pell Grant funding or an Iraq and Afghanistan Service Grant to assist you with your education.[NEWLINE]agent: Did your father serve in either Iraq or Afghanistan after the events of 9/11 in 2001?[NEWLINE]user: I am not sure. I don't think those places sound familiar.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: Is there an income limit to qualify for help? I worry my mom might make too much but she can't afford to help me with college because she has to care for my brothers and sisters.[NEWLINE]agent: You don't have to worry about that. There is no income cut-off to qualify. They take many factors into consideration such as the size of your family and your year in school.[NEWLINE][BOUNDARY][NEWLINE]user: Good to know! I have another concern related to federal student aid. What requirements do they ask to be eligible for the student aid if it's a male case?[NEWLINE]agent: ages are between 18 and 25 in addition to being enrolled or accepted to enroll as a regular student.[NEWLINE][BOUNDARY][NEWLINE]user: Do you have to prove you are qualified for university studies?[NEWLINE]agent: Of course you have to demotivate to be qualified, normally you must pass an approved ability test.[NEWLINE]user: What if you don't have a diploma or GED?[NEWLINE]agent: You must be enrolled in a university or vocational school to qualify for assistance.[NEWLINE][BOUNDARY][NEWLINE]user: What is the selective service?


user: Hi, good morning. I'm now looking into your financial aid, and wanted to know if this kind of programs  are available to non-citizens?[NEWLINE]agent: Yes, they are. Given you have a green card, as such being a permanent resident alien, then you can get access to federal student aid, being an eligible non-citizen. Of course, you'll have to meet the basic criteria.[NEWLINE]agent: So, do you have a green card?[NEWLINE]user: Yes, i have a green card.[NEWLINE]agent: Excellent. Then you can be eligible for federal aid, as said before.[NEWLINE][BOUNDARY][NEWLINE]user: Furthermore, I require information. If your parent was killed while serving in the military, what are the steps to take, in order to grant financial aid?[NEWLINE]agent: If your parent or guardian died as a result of military service in Iraq or Afghanistan after the events of 9/11, you may be eligible for additional aid. To be eligible, at the time of your parent s or guardian s death,  you must have been less than 24 years old or enrolled at least part - time at a college or career school.[NEWLINE][BOUNDARY][NEWLINE]user: That's awesome. And once I receive the federal aid, does it remain that way or do I have to do anything to maintain it?[NEWLINE]agent: Well, no. You have to make some procedures, but not for keeping the aid, but instead to stay being eligible.[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: It's okay. Now to federal student aid. Oh ok. So what if I have already been told that I am not in a position to get that help?[NEWLINE]agent: If that so, then you'll have to find out how to regain that eligibility status.[NEWLINE][BOUNDARY][NEWLINE]user: Well, hope to never need to do that. Say, everyone in the country can get this kind of help, aren't they?[NEWLINE]agent: Well, not everyone, but the most of the U.S citizens or eligible noncitizens can be eligible to get financial aid, either for college or career school. Of course, you have to totally understand criteria of the programs.[NEWLINE][BOUNDARY][NEWLINE]user: Umm, lets say for example, those with intellectual disabilities?


user: I have a question that you might be able to help me with, can I apply for financial student aid if I am a non-US citizen?[NEWLINE]agent: I will share a link with you from the website that will cover off all eventualities in this regard[NEWLINE]agent: If you are a non-US citizen, do you have a green card?[NEWLINE]user: Yes, I do[NEWLINE]agent: With a green card, you are considered an eligible noncitizen and will qualify for financial aid if you meet the eligibility requirements[NEWLINE][BOUNDARY][NEWLINE]user: Are you familiar with Basic Eligibility Criteria? What is the use of the federal student aid?[NEWLINE]agent: FSA must only be used for educational purposes.[NEWLINE][BOUNDARY][NEWLINE]user: About remaining eligible, how can I remain eligible to continue receiving financial aid?[NEWLINE]agent: I will direct you to the section of the website entitled "Learn How to Stay Eligible"[NEWLINE][BOUNDARY][NEWLINE]user: Good to know! Another question related to those of us who are foreigners, I am from Mexico. In my case I am not from the US, can I participate in obtaining federal aid?[NEWLINE]agent: For certain procedures carried out on a specific date they are applicable.[NEWLINE][BOUNDARY][NEWLINE]user: Are there any special financial packages available for Students Who Are (those who have been or are currently in foster care)?[NEWLINE]agent: There is not a unique financial package for these students but if they meet the eligibility requirements, then they will qualify for financial aid[NEWLINE][BOUNDARY][NEWLINE]user: Is there an income level cut-off point from which you cannot qualify for financial aid?[NEWLINE]agent: There is no income cut-off point with federal student aid. A lot of factors are taken into account, like the size of your family are taken into account[NEWLINE][BOUNDARY][NEWLINE]user: Who qualifies for financial aid?


user: Hello, I'm a student whose parents were Killed in Iraq, I want to know if I can get "aid", and if so: what do I have to do?[NEWLINE]agent: Null[NEWLINE]agent: Did your parents die as result of military service in Iraq?[NEWLINE]user: No, they weren't performing military service.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: I mean, after that... I don't have the resources to pay college, since I'm homeless... but I really want to go to college. Is there a way I can go to college?[NEWLINE]agent: Yes, there's a way. We currently have a plan to prevent homeless to not attending college. The program is called: "Identifying and Supporting Students Experiencing Homelessness from Pre - School to Post - Secondary Ages" I'll send you the link so that you can read more about it.[NEWLINE][BOUNDARY][NEWLINE]user: I just wanted to know more about the Basic Eligibility Criteria and requirements they need from me.[NEWLINE]agent: ages are between 18 and 25 in addition to being enrolled or accepted to enroll as a regular student.[NEWLINE][BOUNDARY][NEWLINE]user: Do you have to prove you are qualified for university studies?[NEWLINE]agent: Of course you have to demotivate to be qualified, normally you must pass an approved ability test.[NEWLINE]user: What if you don't have a diploma or GED?[NEWLINE]agent: You must be enrolled in a university or vocational school to qualify for assistance.[NEWLINE][BOUNDARY][NEWLINE]user: What is the selective service?


user: How can I regain eligibility for federal student aid?[NEWLINE]agent: You can check on our website.[NEWLINE]agent: Were you informed that you no longer qualify for federal student aid?[NEWLINE]user: Yes, that's correct.[NEWLINE]agent: We have resources online that teach you how to regain your eligibility back.[NEWLINE][BOUNDARY][NEWLINE]user: I also wanted to Learn how the following situations could affect your eligibility for 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: I have something good my family is not in the military but I have a question, are non-citizens eligible for aid?[NEWLINE]agent:  Non-citizens that meet the requirements can also be eligible for federal student aid.[NEWLINE][BOUNDARY][NEWLINE]user: I have another financial aid issue for you. You've got it. I also have a query -.  Okay, that's it. Now, let's talk about identity fraud. What else is there to say?[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: I have another question regarding the federal student aid for homeless students. Can you provide me some resources that I can use to know how to help homeless students?[NEWLINE]agent: You can check on our website the page Identifying and Supporting Students Experiencing Homelessness from Pre-School to Post-Secondary Ages. There you can find useful information in this regard.[NEWLINE][BOUNDARY][NEWLINE]user:  What is it taken into consideration when evaluating an student eligibility for federal student aid?[NEWLINE]agent: First, there's no income cut-off to qualify, and many factors such as the size of the student's family and their year in school are taken into consideration.[NEWLINE][BOUNDARY][NEWLINE]user: lastly, can you tell me some of the eligibility requirements?


user: Hi, I would like to find out if I am eligible for federal student aid, could you please tell me who is eligible to get aid?[NEWLINE]agent: Well most U.S. citizens or eligible non citizens are eligible for financial aid for college or career school. It is however important to understand the criteria of the programs, how to stay eligible, and how to get your eligibility back if for some reason you lose it.[NEWLINE][BOUNDARY][NEWLINE]agent: Are you enrolled at a college or career school and do you have a financial need?[NEWLINE]user: Yes I am enrolled at a college and I am battling to pay my tuition fees.[NEWLINE]agent: Seeing as you have a financial need and are enrolled at a college and if you are a U.S. citizen or eligible non citizen you should be eligible to apply for assistance.[NEWLINE]user: In order to be eligible to apply for financial aid, is it possible for me to sign a form stating that I am not in default on a federal student loan?[NEWLINE]agent: Yes you would have to sign the certification on the FAFSA form stating that you are not in default.[NEWLINE]user: I also have a question about general eligibility criteria; are there any additional requirements that must be met prior to applying?[NEWLINE]agent: Yes there are other requirements.[NEWLINE][BOUNDARY][NEWLINE]user: Are you aware of this financial assistance? Is it possible for me to go to the embassy and inquire about the subject?[NEWLINE]agent: Sure, you can search for information in all those institutions.[NEWLINE][BOUNDARY][NEWLINE]user: Another concern I have is about students whose parent was killed in Iraq or Afghanistan. Since one of my parents served in Iraq, am I qualified for additional assistance?[NEWLINE]agent: Yes if one of your parents was filled in Iraq you might be eligible for additional Federal Pell Grant funding or for an Iraq Service Grant.[NEWLINE][BOUNDARY][NEWLINE]user: What do I have to do to stay eligible for federal funding?[NEWLINE]agent: I will share a link with  you so that you can see what is required to stay eligible for funding.[NEWLINE][BOUNDARY][NEWLINE]user: I have been in foster care for most of my life and am wondering how this affect the Federal Student Aid program.