user: What are program reviews for federal student aid?[NEWLINE]agent: Do you want to know about its oversight duties?[NEWLINE]user: Yes, what are the oversight duties of the program reviews?[NEWLINE]agent: FSA conducts program reviews to make sure a school meets FSA requirements for institutional eligibility, financial responsibility, and administrative capability.[NEWLINE][BOUNDARY][NEWLINE]user: Good. By the way, I have another question related to FSA conducts program. What should I do to avoid having non-compiance?[NEWLINE]agent: Take the time to fully understand your loan agreement and the types of loans you are receiving. It is also important that you do not borrow more than you need or more than you expect to be able to pay[NEWLINE][BOUNDARY][NEWLINE]user: If I don't make a payment on time, what happens?[NEWLINE]agent: Your loan is delinquent and late fees may be charged. Even if you are behind on your loan, you can still avoid default, so it is important that you contact your loan manager immediately.[NEWLINE][BOUNDARY][NEWLINE]user: What is simplifying repayment with consolidation?[NEWLINE]agent: You may want to combine your multiple federal student loans into a single direct consolidation loan to simplify repayment. There may be trade-offs, so understand the advantages and potential disadvantages of consolidation before submitting the application.[NEWLINE][BOUNDARY][NEWLINE]user: What steps should I take to successfully repay my federal student loan and avoid default?