PenFed Credit Union or Marcus by Goldman Sachs which one has fewer fees for a first time borrower living on an entry level salary
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Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
PenFed Credit Union or Marcus by Goldman Sachs which one has fewer fees for a first time borrower living on an entry level salary
2 real searches · 1 real-search pass
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.
Searches and sources
ChatGPT2 real searches · gpt-6
PenFed Credit Union personal loan fees origination late fee prepayment penalty 2026 official Google ↗
Marcus by Goldman Sachs personal loans new applications availability 2026 official fees Google ↗
- Personal Loans: Rates & Pre-Approval · penfed.org
- Frequently Asked Questions (FAQs) · penfed.org
- Marcus by Goldman Sachs Personal Loan Alternatives · nerdwallet.com
- Marcus Loan September 2026 Review · bills.com
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
PenFed Credit Union personal loan fees origination late fee prepayment penalty 2026 official OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 | |
Marcus by Goldman Sachs personal loans new applications availability 2026 official fees OBSERVED | Google ↗ AI Mode ↗ | — | Other / navigational | — | — | 1x of 1 |