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


user: Hello, I need some help with my application for student aid, please.[NEWLINE]agent: a[NEWLINE][BOUNDARY][NEWLINE]agent: a[NEWLINE]user: a[NEWLINE][BOUNDARY][NEWLINE]agent: a[NEWLINE]user: a[NEWLINE][BOUNDARY][NEWLINE]user: a[NEWLINE]agent: a[NEWLINE][BOUNDARY][NEWLINE]user: a[NEWLINE]agent: a[NEWLINE][BOUNDARY][NEWLINE]user: a


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


user: hello i would like to get information about new applicants[NEWLINE]agent: You are not currently on an income-based plan and want to apply?[NEWLINE]user: yes[NEWLINE]agent: You can request an income-based payment plan that limits your payments to a percentage of your income.[NEWLINE][BOUNDARY][NEWLINE]user: and what can I do if my income has changed?[NEWLINE]agent: In that case, you can request that your income-based payment be recalculated to reduce your current monthly payment.[NEWLINE][BOUNDARY][NEWLINE]user: Who should complete this?[NEWLINE]agent: Borrowers currently on an IDR Plan who need to re - certify or make changes to their repayment plan.[NEWLINE][BOUNDARY][NEWLINE]user: What 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: Do student loan deferments allow me to temporarily stop making payments?[NEWLINE]agent: Yes, student loan deferment could help you temporarily stop making payments  and sometimes is the best solution; but it does not help in making progress in paying back your loan.[NEWLINE]user: Are there any other alternatives to consider?[NEWLINE]agent: Actually yes, there is an income-driven repayment plan that you should consider.[NEWLINE][BOUNDARY][NEWLINE]user: Why is an income-driven repayment plan better at getting relief?[NEWLINE]agent: It is a better option because income-driven repayment plans base your monthly payment on your income and family size and your payment could be zero a month.[NEWLINE][BOUNDARY][NEWLINE]user: If I am in the military or have been in the military could I get a deferment?[NEWLINE]agent: Do you believe you are eligible for the military deferment?[NEWLINE]user: Yes, I believe I am.[NEWLINE]agent: Are you on active duty military service?[NEWLINE]user: Yes, I am.[NEWLINE]agent: Then you may be eligible for the Military service deferment.[NEWLINE][BOUNDARY][NEWLINE]user: What if I don't pay the interest on my loan and allow it to capitalize?


user: Will a student loan deferment help me out if i need to stop making payments?[NEWLINE]agent: You can see if a deferment is right for you and you would not have to make a payment but you won't be making any progress toward forgiveness or paying your loan back.[NEWLINE]user: Are there any other alternatives that make sense?[NEWLINE]agent: Yes, you could always try an income-driven repayment.[NEWLINE][BOUNDARY][NEWLINE]user: What is a graduate fellowship deferment?[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:  What is the feedback center for?[NEWLINE]agent:  You can use the feedback center to give us feedback regarding any complaint, issue, concern, suspicious activity, or scam that you are aware of or simply to giving us positive feedback or to review an already submitted case.[NEWLINE]user: What if I don't agree with the response to my submitted complaint?[NEWLINE]agent: In that case, you should follow our procedure for resolving disputes before contacting the Federal Student Aid Ombudsman Group.[NEWLINE][BOUNDARY][NEWLINE]user: Can you guys help me in any other way?[NEWLINE][BOUNDARY][NEWLINE]agent: Do you want to speak with an agent?[NEWLINE]user: Not really.[NEWLINE][BOUNDARY][NEWLINE]agent: Are you interested in our popular topics?[NEWLINE]user: Not right now.[NEWLINE][BOUNDARY][NEWLINE]user: What kind of positive feedback can I give?


user: What is the feedback center?[NEWLINE]agent: The feedback center is important for us because you can submit a complaints for issues, concerns, suspicious activity, or a scam and you  can give us positive feedback or review an already submitted case for Federal Student Aid.[NEWLINE]user: What happens if I submitted a complaint to Federal Student Aid and I got a response I do not agree with?[NEWLINE]agent: If you believe your response is not in agreement with you or believe it is incorrect you should follow our procedure for resolving disputes and you should do this before contacting the Federal Student Aid Ombudsman Group.[NEWLINE][BOUNDARY][NEWLINE]user: 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: is this where I go to complain?[NEWLINE]agent: Your feedback is important to us. You can submit a complaint, give us positive feedback, or review an already submitted case.[NEWLINE]user: what can I do next if I don't agree with what Federal Student Aid decided?[NEWLINE]agent: You can follow our procedures for resolving disputes.  We encourage you to do this before you contact the Federal Student Aid Ombudsman Group[NEWLINE][BOUNDARY][NEWLINE]user: can I just submit another complaint?[NEWLINE]agent: Yes, you can submit a complaint or report a suspicious activity or scam, on behalf of yourself or someone else[NEWLINE]user: can you give me a link to submit a complaint?[NEWLINE]agent: Yes, I will give you the link[NEWLINE][BOUNDARY][NEWLINE]user: can you also link me to where I can view my case?[NEWLINE]agent: Yes, just log in to your account to view, track or update your case.[NEWLINE][BOUNDARY][NEWLINE]agent: Is there anything else we can help you with?


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


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


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


user: Why is their a feedback center for Federal Student Aid?[NEWLINE]agent: We have a feedback center because it is important to us to find out complaints for issues, concerns, suspicious activity, or scam, and it helps to give us positive feedback also.[NEWLINE]agent: Have you previously submitted a complaint and Federal Student Aid gave you a response you are not in agreement with?[NEWLINE]user: No I have not received a response back.[NEWLINE][BOUNDARY][NEWLINE]user: Am I allowed to submit a complaint on behalf of someone else?[NEWLINE]agent: Yes, you can submit a complaint on behalf of someone else or for yourself.[NEWLINE][BOUNDARY][NEWLINE]user: Can i share some positive feedback about my financial aid experience if I wanted to?[NEWLINE]agent: Yes, we welcome positive feedback as well.[NEWLINE][BOUNDARY][NEWLINE]user: Can I manage my cases online?[NEWLINE]agent: Yes, just log in to your account to view, track, or update any case info you might have.[NEWLINE][BOUNDARY][NEWLINE]agent: Do you need to speak to agent now?[NEWLINE]user: Yes, I would like to speak to an agent.[NEWLINE][BOUNDARY][NEWLINE]agent: Do you want to call and talk to an agent to submit your feedback?[NEWLINE]user: Yes, I would like to call.


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


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


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


user: I'm here for plus loan info?[NEWLINE]agent: They can help you pay for education expenses not covered by other financial aid[NEWLINE]user: where do I apply for a parent plus loan?[NEWLINE]agent: You can use the online application to apply for a parent PLUS loan[NEWLINE][BOUNDARY][NEWLINE]user: what's needed to get one?[NEWLINE]agent: Are you a biological or adoptive parent of a dependent undergraduate student enrolled at least half-time at an eligible school?[NEWLINE]user: I am a parent[NEWLINE]agent: Are you in a situation where you don't have an adverse credit history?[NEWLINE]user: no[NEWLINE]agent: You are not eligible for a Parent Plus Loan.[NEWLINE][BOUNDARY][NEWLINE]user: can my kid get a loan instead?


user: What are Direct PLUs Loans?[NEWLINE]agent: PLUS loans are federal loans that parents get to help their dependent pay for education expenses.[NEWLINE]user: Could I apply online?[NEWLINE]agent: Yes, you can fill out the online application for a parent PLUS loan.[NEWLINE][BOUNDARY][NEWLINE]user: How much am I allowed to borrow with a PLUS loan?[NEWLINE]agent: The most you can borrow with a PLUS loan is the cost of attendance at the school your child would attend minus any other financial assistance and the school determines what the cost of attending there is.[NEWLINE][BOUNDARY][NEWLINE]user: What must I do to receive a parent PLUS loan?[NEWLINE]agent: Are you the biological or adoptive parent or a step-parent of a dependent undergraduate student who would be enrolled at least half time?[NEWLINE]user: Yes, I am a parent of a dependent undergraduate student that will be attending full time.[NEWLINE]agent: Do you not have an bad credit history?[NEWLINE]user: Yes, my credit is not bad.[NEWLINE]agent: Do you meet the general eligibility requirements for federal student aid?[NEWLINE]user: No, I do not.


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


user: I just wanted to do a little digging to learn more about paying for college[NEWLINE]agent: I can help you learn about college costs and give you tips on how to lower costs when you go to school[NEWLINE][BOUNDARY][NEWLINE]user: how many classes should I take to help save money?[NEWLINE]agent: Take the maximum number of credits allowed, so it reduces the amount of time it will take you to graduate[NEWLINE]user: 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: Could you please tell me what is included in the Federal Student Aid Specific Resources section of the IT Standards Library?[NEWLINE]agent: The section you mentioned includes documents that are specific to the Federal Student Aid IT lifecycle for all projects and lists other pertinent references that an IT project my be required to comply with dependent on the contract.[NEWLINE][BOUNDARY][NEWLINE]user: What is included in the General References section?[NEWLINE]agent: The General References section includes Lifecycle Management Methodology.[NEWLINE][BOUNDARY][NEWLINE]user: Does an IT project have to comply with the Specific Resources?[NEWLINE]agent: Yes all projects may be required to comply with the resources dependent on the projects specific contract.[NEWLINE][BOUNDARY][NEWLINE]agent: Do you have a IT project at the moment?[NEWLINE]user: No not at the moment.[NEWLINE][BOUNDARY][NEWLINE]agent: What is your involvement with Data Management?[NEWLINE]user: I am involved Data Management at the moment.[NEWLINE]agent: In that case you should follow the Data Management Resources that are provided.[NEWLINE][BOUNDARY][NEWLINE]user: What is involved in complying with the Program Quality Assurance?


user: Hello, can you inform me what actions can I take for the credit?[NEWLINE]agent: You must have an endorser for this purpose.[NEWLINE]user: What requirements must the endorser meet to seek credit?[NEWLINE]agent: You can opt for a Direct PLUS Loan as long as you are eligible.[NEWLINE]user: Endorsers participate in this program?[NEWLINE]agent: In this case they do not participate.[NEWLINE]user: Can you explain what is the adverse credit is incorrect?[NEWLINE]agent: It can make credit approval difficult.[NEWLINE][BOUNDARY][NEWLINE]user: What is the lender's deed?[NEWLINE]agent: Its purpose is the credit release.[NEWLINE]user: Do I need information related to mitigating circumstances?


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


user: I need information about the direct plus loan application for graduate students. Can you help me?[NEWLINE]agent: Are you wondering what a Direct PLUS Loan Application for Graduate/Professional Students is?[NEWLINE]user: No, I know that already.[NEWLINE][BOUNDARY][NEWLINE]agent: Do you want to know how to apply for a PLUS loan?[NEWLINE]user: Yes, please.[NEWLINE]agent: First you need to log in to start your application.[NEWLINE][BOUNDARY][NEWLINE]user: Wait, can you describe the Direct PLUS loan application again?[NEWLINE]agent: Of course. This is a request for supplemental information in connection with your application for a Federal Direct PLUS Loan Direct PLUS Loan through the William D. Ford Federal Direct Loan Direct Loan Program. Some schools may have a different process for obtaining the additional information needed to process your Direct PLUS Loan application.[NEWLINE]user: What if I have placed a security freeze on my credit?[NEWLINE]agent: Then you must lift or remove the freeze at each credit bureau before you continue. Your application will not be processed if you have a security freeze.[NEWLINE]user: Do I have to take care of the freeze now or can I do it later?


user: who is Aidan?[NEWLINE]agent: It is a virtual assistant that can answer questions about federal student aid. Aidan uses advanced technology, artificial intelligence, and natural language processing to answer your questions.[NEWLINE][BOUNDARY][NEWLINE]agent: Would you like to know what types of questions Aidan can help you with?[NEWLINE]user: yea give me an example[NEWLINE][BOUNDARY][NEWLINE]agent: Did you have any common financial aid questions?[NEWLINE]user: yeah, what can you help me with?[NEWLINE]agent: You could type: "What kind of grants are available to pay for college?", to get an answer.[NEWLINE]agent: Is that the type of question you wanted to ask?[NEWLINE]user: not really, but I get how it works[NEWLINE][BOUNDARY][NEWLINE]user: what else can he answer?


user: What are the next steps involved after I submit my FAFSA form for federal student aid?[NEWLINE]agent: Firstly, you will need to check that all the information that you supplied is correct and completed in full as it appears on your Student Aid Report (SAR)[NEWLINE][BOUNDARY][NEWLINE]user: How do I receive my SAR after submitting my FAFSA form?[NEWLINE]agent: By providing us with a valid email address, you will receive an email from noreply@FAFSA.gov. This will give you instructions as to how you access your SAR online[NEWLINE]user: What if I have no email address, how do I receive my SAR in this case?[NEWLINE]agent: With no email address, you will receive a SAR or a SAR acknowledgment via postal mail[NEWLINE][BOUNDARY][NEWLINE]user: How do I get a copy of my SAR if I am unable to log into the fafsa.gov website?[NEWLINE]agent: You can contact the Federal Student Aid Information Center at 1-800-4-FED-AID 1-800-433-3243. You request a copy of your SAR through this phone service and a copy will be sent to you via the mail, please allow 10-14 days for delivery[NEWLINE][BOUNDARY][NEWLINE]user: When looking at my SAR, I noticed a mistake. What can I do to rectify this?[NEWLINE]agent: Have you reviewed your SAR fully and found there to be errors present?


user: I have some questions about what it means to be a co-signer.[NEWLINE]agent: I can help you with that. A co-signer will be the spouse of the applicant who initiated an Income-Driven Repayment Plan request.[NEWLINE]agent: Were you aware that the co-signer isn't obligated to repay the loan?[NEWLINE]user: No, I didn't know that.[NEWLINE][BOUNDARY][NEWLINE]user: How long does it usually take to go through the co-sign process?[NEWLINE]agent: The majority of people complete the process in just 10 minutes.[NEWLINE][BOUNDARY][NEWLINE]user: Who can complete the co-sign process?[NEWLINE]agent: The spouse of the applicant.[NEWLINE][BOUNDARY][NEWLINE]user: It is saying that I need a co-sign code, but I don't think I have one. What should I do?[NEWLINE]agent: If you are the co-signer, you should contact the IDR applicant for the code. If you are the applicant, you should have received an email containing the code.[NEWLINE]user: I can't find the code and my IDR is part of a Direct Consolidation Loan Application. Where can I find the co-sign code?


user: I need help with understanding how financial aid works.[NEWLINE]agent: I can assist you with this.[NEWLINE][BOUNDARY][NEWLINE]agent: Do your questions pertain to a specific type of financial aid, such as grants?[NEWLINE]user: Yes, I'm not sure how they work.[NEWLINE]agent: Grants are usually based on financial need and normally do not have to be repaid.[NEWLINE][BOUNDARY][NEWLINE]user: 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: Does the federal government provide any type of aid other than Federal Student Aid?[NEWLINE]agent: Yes. The federal government offers other financial aid programs besides Federal Student Aid.[NEWLINE][BOUNDARY][NEWLINE]user: What could affect my eligibility for financial aid?[NEWLINE]agent: There are many factors that affect a student's financial aid eligibility, such as being a member of a military family.[NEWLINE][BOUNDARY][NEWLINE]user: Where can I look for other sources of aid?


user: How is the amount of my federal student aid figured out?[NEWLINE]agent: When you fill out your FAFSA form the college you list will use the information you provided.[NEWLINE][BOUNDARY][NEWLINE]user: How does my school figure out the non-need based aid?[NEWLINE]agent: Your school has a formula they use to calculate they non-need based aid.[NEWLINE]agent: Will this example help you, "If you have cost of attendance at $16000 and you have been awarded a total of $4000 in need-based aid and private scholarships, the you can get $12000 in non-need based aid."[NEWLINE]user: No, it does not help me understand it at all.[NEWLINE][BOUNDARY][NEWLINE]user: What if my COA is $16000 and my EFC is $12000?[NEWLINE]agent: Then your financial need is $4000.[NEWLINE][BOUNDARY][NEWLINE]user: What does cost of attendance or COA actually mean?[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: Is it wise to compare school aid offers I get from each college?[NEWLINE]agent: Have you applied at several colleges?[NEWLINE]user: No, i have not yet.[NEWLINE]user: Will my aid amount be the same at each school?[NEWLINE]agent: Actually, each financial aid package is different because each college is different in what they offer.[NEWLINE][BOUNDARY][NEWLINE]user: How do I figure out net price for my school?[NEWLINE]agent: There are easy steps to follow when figuring out net price of net cost.[NEWLINE][BOUNDARY][NEWLINE]user: Is it best to look at each cost per school for aid offerings?[NEWLINE]agent: Yes, always be sure to compare aid offerings from each school to see which will be most affordable.[NEWLINE][BOUNDARY][NEWLINE]user: What if the school i want to attend does not list the cost of attendance on the aid offer?


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


user: I have a question regarding the Loan Simulator in the FSA process. How accurate is it?[NEWLINE]agent: Are you looking to get the most realistic results?[NEWLINE]user: I have not tried it yet, I'm just wondering how accurate it is[NEWLINE][BOUNDARY][NEWLINE]user: Is there anywhere on the website that I can send feedback to try to streamline the process or make it more user friendly?[NEWLINE]agent: You can contact us in the "Help Us Build This Tool" section, where you can share your feedback, ask any questions and send any requests for new features[NEWLINE][BOUNDARY][NEWLINE]user: Is there a share option built in with the Loan Simulator?[NEWLINE]agent: Yes, we have invited every user to share the Loan Simulator with their friends and family[NEWLINE][BOUNDARY][NEWLINE]user: How do I get the most accurate result from the Loan Simulator?[NEWLINE]agent: You will need to provide the most complete and accurate information during the process. This tool cannot however, predict your future payments with 100% accuracy[NEWLINE][BOUNDARY][NEWLINE]user: What exactly is the Loan Simulator within the FSA?


user: I want to see what payments will be like for a loan[NEWLINE]agent: You can try the Loan SImulator. The Loan Simulator is a new tool to help you make decisions about your student loans. You can use it to find a repayment plan that meets your needs and goals.[NEWLINE][BOUNDARY][NEWLINE]user: will it actually give me a good estimate?[NEWLINE]agent: Do you want to get the most realistic results?[NEWLINE]user: Not, if I have to give too much personal information.[NEWLINE][BOUNDARY][NEWLINE]user: Can I just give numbers that are close but not the real thing and start a new simulation to see how different numbers work for me?[NEWLINE]agent: Yes, you can see what happens when you borrow more.[NEWLINE][BOUNDARY][NEWLINE]user: Will it show me what happens if I get into financial trouble and stop making payments?[NEWLINE]agent: Yes, you can find out the impacts of suspending payments[NEWLINE][BOUNDARY][NEWLINE]user: How do I use this thing?


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


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


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


user: I need help using the loan simulator.[NEWLINE]agent: I'll be happy to assist you with that. The loan simulator is a tool that helps you make decisions about student loans.[NEWLINE][BOUNDARY][NEWLINE]user: How can I get the most realistic results from the loan simulator?[NEWLINE]agent: It's always important to know that the simulator is not 100% accurate, but for the best results, be sure to provide complete and accurate information.[NEWLINE][BOUNDARY][NEWLINE]user: How do I start my repayment plan strategy from scratch?[NEWLINE]agent: Finding a repayment plan that fits your needs is very important.[NEWLINE][BOUNDARY][NEWLINE]user: How do I get started using the loan simulator?[NEWLINE]agent: The simulator will guide you through a series of questions based on your selections.[NEWLINE][BOUNDARY][NEWLINE]agent: Do you need assistance finding the best repayment strategy for you?[NEWLINE]user: Yes. I would definitely appreciate some help.[NEWLINE]agent: Excellent. We can help you find a repayment plan that best fits your needs and goals.[NEWLINE][BOUNDARY][NEWLINE]user: What important information should I know about using the loan simulator?


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


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


user: Hi there. I'm looking information about loans, and the loan simulator.[NEWLINE]agent: Sure, we are here to help you. The loan simulator is a tool that will help you to know the realistic results related to your loan. Is this what you are looking for?[NEWLINE]user: Yes, that's exactly what I'm looking.[NEWLINE]agent: Great! You just need to provide all the information in the most accurate way possible to get a prediction of how your loan could result.[NEWLINE]user: Ok, is this information provided any legal value or I can use it when I try to 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 loan simulators accurate?[NEWLINE]agent: Do you want the most realistic results?[NEWLINE]user: Yes, I want the most realistic results.[NEWLINE]agent: You should provide complete and accurate information when using a loan simulator and keep in mind it cannot predict any future payments with 100% accuracy.[NEWLINE][BOUNDARY][NEWLINE]user: What is the loan simulator?[NEWLINE]agent: The loan simulator is a new tool to help you make decisions about your student loans and whether or not you should decide to consolidate.[NEWLINE][BOUNDARY][NEWLINE]user: Is there ways to help make the tool better?[NEWLINE]agent: We love feedback, the asking of questions, and request of new features.[NEWLINE][BOUNDARY][NEWLINE]user: Are the results of the loan simulator just used for informational purposes?[NEWLINE]agent: Yes, results of the loan simulator are just for informational purposes and is not real financial advice.  As always, you should review all available options and make decisions that are right for you.[NEWLINE][BOUNDARY][NEWLINE]user: Is it possible to share the loan simulator?


user: hello i would like help with the following, how do i decide which income based payment plan should i choose?[NEWLINE]agent: Do you want to decide which payment plan suits you based on your income?[NEWLINE]user: it's not what i want[NEWLINE][BOUNDARY][NEWLINE]user: If I have to certify my income every year, what should I do with my family's data?[NEWLINE]agent: You must provide your loan servicer with up-to-date income and family size information so that your servicer can recalculate your payment. even if there is no change.[NEWLINE][BOUNDARY][NEWLINE]user: in case of having loans from the FFEL Program. What I can do?[NEWLINE]agent: if you want a plan your only income based payment plan option is the IBR Plan[NEWLINE][BOUNDARY][NEWLINE]user: under what conditions will my AGI be used?[NEWLINE]agent: One of the conditions is if you filed a federal tax return in the last two years.[NEWLINE]user: If that is my case, what else?[NEWLINE]agent: in this case your current income is not significantly different from the income reported on your most recent federal tax return[NEWLINE]user: but this last does not apply to me


user: Hi, I need help with my payment plan. How do I decide which income-based payment plan to choose?[NEWLINE]agent: ok but decided that an income based payment plan is what you want?[NEWLINE]user: no well I'm not sure[NEWLINE][BOUNDARY][NEWLINE]user: What would be an income based contingent plan?[NEWLINE]agent: under these conditions it would be: Income - Contingent repayment plan ICR Plan[NEWLINE][BOUNDARY][NEWLINE]user: what they are and what they consist of REPAYE and ICR Plans[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: I understand and how my AGI is used[NEWLINE]agent: Did you file a federal tax return in the last two years?[NEWLINE]user: no i haven't


user: Hello, I need to know what is the forgiveness please?[NEWLINE]agent: Sure, what you have to know is that the amount varies between $ 17,500 or $ 5,000, it all depends on the case.[NEWLINE]agent: It is important to note that you must submit eligible loans under the Direct Loan Program and the FFEL Program.[NEWLINE]user: Can you tell me more about it?[NEWLINE][BOUNDARY][NEWLINE]user: Can you tell me if you can receive forgiveness from various entities such as teachers and public services?[NEWLINE]agent: You can choose both plans but not the same teaching service period.[NEWLINE]user: 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: I would like to know if I can get my federal student loans forgiven for their service as a teacher?[NEWLINE]agent: You must learn about the forgiveness program to see if you qualify.[NEWLINE]user: If I already teach full-time for five full academic years in a row at a low-income school, do I qualify?[NEWLINE]agent: in view of your history you may be eligible for forgiveness of up to $ 17,500 on your Subsidized and Unsubsidized Direct Loans and your Subsidized and Unsubsidized Federal Stafford Loans.[NEWLINE][BOUNDARY][NEWLINE]user: I understand and to be a highly qualified teacher, what should I have?[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: Why do I need Exit Counseling?[NEWLINE]agent: Do you know what Exit Counseling is for?[NEWLINE]user: Yes, I know what it is for.[NEWLINE]agent: Then you are aware that it provides important information to get you ready to pay back your federal student loan.[NEWLINE]user: I have a subsidized PLUS loan do I need Exit Counseling?[NEWLINE]agent: Yes, it is required for you to complete Exit Counseling because you have a subsidized PLUS loan.[NEWLINE]user: What if I drop below half-time enrollment, do I have to complete the Exit Counseling?[NEWLINE]agent: Yes, you would have to complete the Exit Counseling.[NEWLINE]user: What if I decide to leave school?[NEWLINE]agent: Then you are required to take Exit Counseling.[NEWLINE]user: Do I have to take it once I graduate?


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 loans are 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: How do 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: How are monthly payments for consolidation loans treated under the Graduated Repayment Plan?[NEWLINE]agent: null[NEWLINE]agent: Do you have a Direct Consolidation Loan or an FFEL Consolidation Loan?


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: How do I learn more about Master Promissory Notes for parents of an Undergraduate Student?[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: 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: What do I need to partake in entrance counseling?[NEWLINE]agent: All information is contained within the counseling section on the website[NEWLINE][BOUNDARY][NEWLINE]user: Dies every school offer entrance counseling?


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: 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 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: What if I have other documentation, but it's expired? Can I still qualify?[NEWLINE]agent: Has your green card expired?[NEWLINE]user: Yes.


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][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: How do I know which student loans to accept?[NEWLINE]agent: Do you know which student loans you will want?[NEWLINE]user: No, i have not decided yet.[NEWLINE]agent: Are you considering a state, school, or private student loan?[NEWLINE]user: Yes, I have decided to consider a private student loan.


user: 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][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: I'm aware of that. But what 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: 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]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][BOUNDARY][NEWLINE]user: and can you help me how to use 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: What 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: 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: 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][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: and how can i pay it?[NEWLINE]agent: Check with your school for more information.[NEWLINE][BOUNDARY][NEWLINE]user: What veneficio give me the plans?[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][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: I can do this with a 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: where can I see who my loan servicer is?


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][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][BOUNDARY][NEWLINE]user: 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]user: And then could I change the payment 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: 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]user: So if, for example, I am given a repayment plan, I can simply change it to another?[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 does repaying a federal perkins loan work?[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: That's good to know, thanks. So what if I have multiple federal student loans? How can I consolidate then?


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][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: My son was already assigned to a repayment plan, but he is having trouble keeping up with the payments. Can he switch to a different repayment plan?[NEWLINE]agent: Absolutely. Your son can change his repayment plan for free at any time.[NEWLINE][BOUNDARY][NEWLINE]user: How exactly does a Direct Consolidation Loan 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]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]user: 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: can you give me an idea of what my payments will look like if I give you some of my info?[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]user: Who can I go to request information on the subject?[NEWLINE]agent: It is recommended that you seek out your loan servicer if you want to discuss your payment plan options or change your payment plan.[NEWLINE][BOUNDARY][NEWLINE]user: What is the loan simulator?[NEWLINE]agent: This tool is used to get an early look at what plans you may be eligible for and see estimates of how much you would pay monthly and overall.[NEWLINE][BOUNDARY][NEWLINE]user: What differences can be found between the Perkins Loan with the Direct Loan Program?


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]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: How do I repay my federal perkins loan?[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: How do I consolidate my loans?[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: What if you made the refund arrangements soon?[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]user: And how can I get more details 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: can 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: 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 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: Who Must Declare in 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.[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]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]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]user: I saw something about contacting the Perkins loan servicer, is that for my situation?[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][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: what is needed 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: If some of my loans are still in the grace period when do I begin repayment of my consolidated loan?[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][BOUNDARY][NEWLINE]user: Once I have submitted an application who do I contact if I have question about the consolidation?


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: I have some loans in the grace period at the moment so when do I have to begin repayment of my consolidation loan?[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: I have a Federal Perkins Loan, can this loan be included in a consolidation loan?[NEWLINE]agent: Yes that is one of the loans that can be included in your consolidation loan.[NEWLINE]user: What happens to my private education loans if I consolidate my loan debt?


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][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][BOUNDARY][NEWLINE]user: and I can do this to an FFEL Consolidation Loan?


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][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: Alright. That's good to know. You have been very kind. But where I can go or call if I got more questions?


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: are there any qualifications to consolidate loans?[NEWLINE]agent: Yes, there are eligibility requirements for receiving a Direct Consolidation Loan.[NEWLINE]agent: Did you want to consolidate a defaulted loan?[NEWLINE]user: none of the loans are in default[NEWLINE]agent: Did you want to consolidate a defaulted loan that is being collected through garnishment of your wages, or that is being collected in accordance with a court order after a judgment was obtained against you?[NEWLINE]user: not that either, no defaulted loans here[NEWLINE]user: what if I was to default before consolidating? what do I do?


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: What happens when I apply for a Direct Consolidation Loan?[NEWLINE]agent: You don't have to consolidate all your eligible loans and you should not include your Direct Loans with your other loans and that goes for Perkins Loans also.[NEWLINE]user: How many years can I get on my consolidation loans?[NEWLINE]agent: You would be able to get 30 year loan with consolidation which makes lower monthly payments.[NEWLINE][BOUNDARY][NEWLINE]user: Who should I contact when I have questions about consolidation?[NEWLINE]agent: It really depends on where you are in the consolidation process.[NEWLINE]agent: Do you have questions about consolidating your loans before you apply for a Direct Consolidation Loan?


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: Can parents Direct PLUS Loans be consolidated with a federal student loan received by a student?[NEWLINE]agent: Direct PLUS Loans for parents are not able to be combined with federal student loans from the student.[NEWLINE][BOUNDARY][NEWLINE]user: What is the process of repayment?[NEWLINE]agent: Repayment of a Direct Consolidation Loan would start 60 days after the loan is paid out and your loan servicer will let you know when payment is first due.[NEWLINE]agent: Are any of your loans you want to consolidate in grace period?[NEWLINE]user: Yes, I have one loan that is in grace period.[NEWLINE]agent: You are able to ask your servicer for your Direct Consolidation Loan application to wait on processing until the grace period end date.[NEWLINE][BOUNDARY][NEWLINE]user: Who would I contact if I have questions about consolidation?


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: When should I not include my Federal Perkins Loans with my consolidation?[NEWLINE]agent: You should not include your Perkins Loans when you consolidate if you are employed in an occupation that would qualify you for Perkins Loan cancellation.[NEWLINE]user: What if I want to consolidate loans other than Direct Loans?[NEWLINE]agent: Other income-driven repayment plans and Public Service Loan Forgiveness may become available to you if you choose an IDR.[NEWLINE][BOUNDARY][NEWLINE]user: Who should I get into contact with if I have questions?[NEWLINE]agent: It depends where you are in the consolidation process who you talk to.[NEWLINE]agent: Do you have questions about consolidating your loans before you apply for a Direct Consolidation Loan?[NEWLINE]user: Yes, I have questions about consolidating my loans before I apply.


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: What if I have federal student loans that are with different loan servicers?[NEWLINE]agent: Actually, consolidation would be simplifying loan repayment by giving you a single loan with just one monthly bill.[NEWLINE][BOUNDARY][NEWLINE]user: What if I am being contacted by private companies that offer help applying for a Direct Consolidation Loan for a fee?[NEWLINE]agent: Those companies have no affiliation with the US Department of Education loan servicers and there is no reason to pay anyone for assistance.[NEWLINE][BOUNDARY][NEWLINE]user: Could I apply for a Direct Consolidation Loan online?[NEWLINE]agent: Yes, you can complete and submit an application for Direct Consolidation online or if need be you can download and print a paper application for submission by mail.[NEWLINE]agent: Did you submit your application electronically or by mail yet?[NEWLINE]user: Yes, I have submitted the application electronically.


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: But what's the bad part of consolidation?[NEWLINE]agent: The consolidation usually increases the period of time you have to repay your loans.[NEWLINE][BOUNDARY][NEWLINE]user: I see... But anyhow, how do I apply for a consolidation of the loan?[NEWLINE]agent: You just need to apply for it, be online or in paper.[NEWLINE]agent: You know what come next you send your application?[NEWLINE]user: Yes, I have an idea about it.[NEWLINE]agent: Great, because your consolidation servicer you selected will complete the action required to consolidate your loan.[NEWLINE][BOUNDARY][NEWLINE]user: There are different repayment plans, right?


user: 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: That is great news. Is there a length of time that I need to have teached before I'm eligible?


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?


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]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: Yes, I know. I'm an undergraduate student, how much can I borrow?[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: What if I decide to take out a loan?[NEWLINE]agent: Please make sure you understand who is making the loan and the terms and conditions of the loan. Student loans can come from the federal government, from private sources such as a bank or financial institution, or from other organizations.[NEWLINE][BOUNDARY][NEWLINE]user: 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]user: What requirements do they ask for the 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: 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]user: What amount of enrollment should I be in?[NEWLINE]agent:  To get Direct Loan Program funds, you must be enrolled at least half-time.[NEWLINE]user: Along with being registered with selective service at age 18-25 what are is another criteria?[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: 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]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


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: Perfect and what else?[NEWLINE]agent: It is important to verify that you do not suffer from a scam to do this. Get information about identity theft.[NEWLINE][BOUNDARY][NEWLINE]user: Where can I find more information?[NEWLINE]agent: You can find more information through goarmy.com[NEWLINE][BOUNDARY][NEWLINE]user: What is the calculation of eligibility for student grants?[NEWLINE]agent: It is important to note that your disbursed school paid your aid or credit balance incorrectly.[NEWLINE]user: What does this process consist of?[NEWLINE]agent: Your school is in charge of calculating the loan.[NEWLINE][BOUNDARY][NEWLINE]user: What are the procedures for this purpose.


user: Are 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][BOUNDARY][NEWLINE]user: How do I go about applying for tax credits for my education costs?[NEWLINE]agent: You will need to file a tax return, even if you normally don't do this because of your income level[NEWLINE][BOUNDARY][NEWLINE]user: I have heard about Qualified Tuition Programs, what exactly are they?[NEWLINE]agent: These are plans that are provided by a state or a school which allows you to either prepay or save up to pay your education costs. When you use these funds for your college career, the money that is withdrawn from the account is not subjected to tax[NEWLINE]agent: Does the college that you are hoping to attend participate in QTP's?[NEWLINE]user: I am unsure but I don't think so[NEWLINE][BOUNDARY][NEWLINE]user: What happens if I don't file a tax return, am I missing out on something?