Real ChatGPT answer + Gemini simulation · index seed03iQsmShlV4completeAI OverviewFinance and banking · student loanscommercial
Help me figure out if I should switch from the PAYE plan to the SAVE plan right now before the enrollment window closes.
ChatGPTgpt-6Geminigemini-3.5-flash-lite3 passes + 1 real-search36 queries10/30/2026
Download run
Gemini unique queries
34
2 in ≥ half the passes · stability 35%
ChatGPT real searches predicted
0%
0 of 2 matched the simulation
Fan-out diagram
Seed → topic clusters → sub-queries, per model.
SEED QUERY
Help me figure out if I should switch from the PAYE plan to the SAVE plan right now before the enrollment window closes.
34 unique queries · 3 passes
Badge and edge weight = share of passes that produced the query. Hover a query for its intent and routing format.
Query classes
Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.
ChatGPT real searches (2)
Classes come from the query-classifier (a local Laya model). 2 of 2 calls are low-confidence (under 50%) — hover a query in the table to see its confidence. 34 queries are still being classified.
What the models actually searched
Each model answered the query with its own web search. These are the searches it ran, matched to the closest simulated query.
Semantic map
Every query placed by meaning (EmbeddingGemma 2, 256-d). Shaded regions are topics, nearby points are near-paraphrases, and a circle's size is how often the query came back.
Colour
SimulatedReal search
Hover a query to see its counterpart · click a topic to focus it · zoom with Ctrl/⌘ + scroll, a pinch, double-click or +
Queries
34 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
should I switch from paye to save student loan REFORMULATION | Google ↗ AI Mode ↗ | Find direct advice, recommendations, and expert analysis on transitioning from PAYE to SAVE. | — | web_article | paye versus save comparison | 2x of 3 | |
save plan interest subsidy benefit explained ENTITY EXPANSION | Google ↗ AI Mode ↗ | Understand the unpaid interest waiver and subsidy features unique to the SAVE plan. | — | glossary/definition | interest subsidies and forgiveness | 2x of 3 | |
PAYE vs SAVE student loan plan comparison COMPARATIVE | Google ↗ AI Mode ↗ | Understand the core differences in terms and benefits between the PAYE and SAVE repayment plans. | — | comparison_table | paye versus save comparison | 1x of 3 | |
paye vs save plan income driven repayment comparison COMPARATIVE | Google ↗ AI Mode ↗ | Understand the core differences in terms and benefits between the PAYE and SAVE repayment plans. | — | comparison_table | paye versus save comparison | 1x of 3 | |
should I switch from PAYE to SAVE plan student loans REFORMULATION | Google ↗ AI Mode ↗ | Find expert advice and recommendations on whether transitioning from PAYE to SAVE is financially beneficial. | — | web_article | paye versus save comparison | 1x of 3 | |
paye vs save plan differences student loans COMPARATIVE | Google ↗ AI Mode ↗ | The searcher wants to see a side-by-side comparison of the PAYE and SAVE income-driven repayment plans. | — | comparison_table | paye versus save comparison | 1x of 3 | |
SAVE plan current court injunction status 2024 RELATED | Google ↗ AI Mode ↗ | Check the latest legal updates regarding the SAVE plan implementation and injunctions. | — | faq_page | save plan legal status | 1x of 3 | |
save plan legal status injunction court update 2024 RELATED | Google ↗ AI Mode ↗ | Check the current legal status and court injunctions affecting the implementation and enrollment of the SAVE plan. | — | faq_page | save plan legal status | 1x of 3 | |
save plan enrollment deadline current status RELATED | Google ↗ AI Mode ↗ | The searcher wants to know the exact deadline and current legal status of the SAVE plan enrollment window. | — | faq_page | save and paye deadlines | 1x of 3 | |
student loan repayment calculator idr save paye IMPLICIT | Google ↗ AI Mode ↗ | Calculate estimated monthly payments under both PAYE and SAVE plans based on income. | — | calculator/tool | idr plan calculators and tools | 1x of 3 | |
how to apply for save plan student aid gov IMPLICIT | Google ↗ AI Mode ↗ | The searcher wants step-by-step instructions on how to complete the application process to switch into the SAVE plan. | — | how_to_steps | application process and steps | 1x of 3 | |
how to switch from paye to save student aid website IMPLICIT | Google ↗ AI Mode ↗ | Learn the procedural steps required to apply for or switch to the SAVE plan online. | — | how_to_steps | application process and steps | 1x of 3 | |
income-driven repayment plan application deadline save paye RELATED | Google ↗ AI Mode ↗ | Find the exact deadlines for applying to or switching between income-driven repayment plans. | — | web_article | idr plan calculators and tools | 1x of 3 | |
idr plan calculator student loan payment estimator ENTITY EXPANSION | Google ↗ AI Mode ↗ | Use an interactive tool to calculate and compare monthly payments under PAYE versus SAVE based on income. | — | calculator/tool | idr plan calculators and tools | 1x of 3 | |
income driven repayment plan calculator idr ENTITY EXPANSION | Google ↗ AI Mode ↗ | The searcher wants to use an official tool to calculate their estimated monthly payments under PAYE versus SAVE. | — | calculator/tool | idr plan calculators and tools | 1x of 3 | |
can you switch from paye to save after enrollment deadline IMPLICIT | Google ↗ AI Mode ↗ | Determine if switching plans is permanently barred after the current window or if future options exist. | — | faq_page | switching back between plans | 1x of 3 | |
can I switch back from save to paye later RELATED | Google ↗ AI Mode ↗ | Determine if leaving the PAYE plan is permanent or if switching back is allowed under current regulations. | — | forum/qna | switching back between plans | 1x of 3 | |
pros and cons of leaving paye for save PERSONALIZED | Google ↗ AI Mode ↗ | The searcher wants to weigh specific advantages and disadvantages like forgiveness timelines and subsidy benefits when leaving PAYE. | — | buyers_guide | switching back between plans | 1x of 3 | |
SAVE plan interest subsidy rules forgiveness timeline ENTITY EXPANSION | Google ↗ AI Mode ↗ | Understand the specific forgiveness timeline and interest subsidy benefits unique to the SAVE plan. | — | web_article | interest subsidies and forgiveness | 1x of 3 | |
what happens to paye forgiveness if i switch to save RELATED | Google ↗ AI Mode ↗ | The searcher wants to know if their past payments toward PAYE forgiveness will transfer or count if they switch to SAVE. | — | forum/qna | switching back between plans | 1x of 3 | |
PAYE plan cap on monthly payments vs SAVE plan COMPARATIVE | Google ↗ AI Mode ↗ | Compare how PAYE caps payments at the standard 10-year amount versus how SAVE calculates payments. | — | comparison_table | paye versus save comparison | 1x of 3 | |
income driven repayment plan forgiveness timeline paye vs save COMPARATIVE | Google ↗ AI Mode ↗ | Compare the number of years required for loan forgiveness under PAYE versus SAVE. | — | comparison_table | idr plan calculators and tools | 1x of 3 | |
save plan legal challenges court injunction update RELATED | Google ↗ AI Mode ↗ | The searcher wants to know the current legal roadblocks and court rulings affecting SAVE plan processing. | — | web_article | save plan legal status | 1x of 3 | |
how to switch income driven repayment plans student aid gov RELATED | Google ↗ AI Mode ↗ | Step-by-step instructions on how to submit a plan change request on StudentAid.gov. | — | how_to_steps | application process and steps | 1x of 3 | |
can you switch back from save to paye IMPLICIT | Google ↗ AI Mode ↗ | The searcher wants to know if switching to SAVE is irreversible or if they can return to PAYE later. | — | faq_page | switching back between plans | 1x of 3 | |
what happens to my idr application during court block RELATED | Google ↗ AI Mode ↗ | Find out how pending applications for the SAVE plan are handled while court challenges are active. | — | pdf_whitepaper | save plan legal status | 1x of 3 | |
high earner student loan paye or save better PERSONALIZED | Google ↗ AI Mode ↗ | Evaluate which IDR plan is better suited for borrowers with higher incomes relative to their debt. | — | web_article | paye versus save comparison | 1x of 3 | |
best income driven repayment plan for high earner PERSONALIZED | Google ↗ AI Mode ↗ | Evaluate which IDR plan makes the most sense for borrowers with higher debt-to-income ratios or higher salaries. | — | buyers_guide | idr plan calculators and tools | 1x of 3 | |
what happens to paye plan if save plan is canceled RELATED | Google ↗ AI Mode ↗ | Understand the safety net or fallback options if ongoing legal battles dismantle the SAVE plan. | — | forum/qna | switching back between plans | 1x of 3 | |
student loan save plan deadline 2024 REFORMULATION | Google ↗ AI Mode ↗ | Find exact deadlines and important dates associated with SAVE plan applications and processing. | — | web_article | save and paye deadlines | 1x of 3 | |
income driven repayment plans comparison chart department of education COMPARATIVE | Google ↗ AI Mode ↗ | The searcher wants an official chart comparing all available IDR plans including SAVE, PAYE, ICR, and IBR. | — | pdf_whitepaper | idr plan calculators and tools | 1x of 3 | |
IDR plan forgiveness timeline comparison chart save paye ibr ENTITY EXPANSION | Google ↗ AI Mode ↗ | View a comprehensive breakdown of forgiveness timelines across all IDR plans including SAVE and PAYE. | — | comparison_table | idr plan calculators and tools | 1x of 3 | |
checklist before switching student loan repayment plan REFORMULATION | Google ↗ AI Mode ↗ | The searcher wants a list of items to verify, such as tax filings and loan types, before submitting a plan change request. | — | checklist | application process and steps | 1x of 3 | |
paye plan retirement benefits and tax bomb differences save RELATED | Google ↗ AI Mode ↗ | Learn about the tax implications of forgiven loan amounts under PAYE versus SAVE. | — | faq_page | interest subsidies and forgiveness | 1x of 3 |
Passes
Does another pass still surface new queries? A flattening curve means the fan-out has stabilised.
Geminix = pass, y = cumulative unique queries
| Model | Pass | Target | Generated | Seconds | Tokens (in / out) | Notes |
|---|---|---|---|---|---|---|
| gemini-3.5-flash-lite | 1 | 12 | 12 | — | 923 / 1,516 | |
| gemini-3.5-flash-lite | 2 | 12 | 12 | — | 923 / 1,585 | |
| gemini-3.5-flash-lite | 3 | 12 | 12 | — | 923 / 1,560 |