user: I need some information about entrance counseling, please.[NEWLINE]agent: Of course. Do you wish to know what Entrance Counseling is?[NEWLINE]user: Yes, please explain.[NEWLINE]agent: Have you NOT previously received a Direct Loan or Federal Family Education Loan FFEL?[NEWLINE]user: Yes, I have not received any of those.[NEWLINE]agent: In that case the Federal Government requires you to complete entrance counseling to ensure that you understand the responsibilities and obligations you are assuming.[NEWLINE][BOUNDARY][NEWLINE]user: Is the information in the Document correct to the satisfaction of the United States Department of Education?[NEWLINE]agent: no, the information causing the adverse credit decision is incorrect[NEWLINE][BOUNDARY][NEWLINE]user: can you give me a description of the borrower[NEWLINE]agent: in the case of the borrower has a state, county or federal tax lien in the last five years prior to the date of the credit report, regardless of the date of the file[NEWLINE][BOUNDARY][NEWLINE]user: What are the Mitigating Circumstances Test?