What current benchmark rates are private lenders using to price variable-rate student loan refinancing products following the LIBOR transition?
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Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
What current benchmark rates are private lenders using to price variable-rate student loan refinancing products following the LIBOR transition?
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.
Classifying 2 queries…
Searches and sources
ChatGPT2 real searches · gpt-6
2026 private student loan refinancing variable rates benchmark SOFR index lender disclosures margin benchmark rate Google ↗
student loan refinance variable interest rate index SOFR prime lender rate disclosures 2026 Earnest Laurel Road SoFi Splash Google ↗
- credible.com · credible.com
- credible.com · credible.com
- Earnest · biglawinvestor.com
- Student Lending Disclosures · citizensbank.com
- Nelnet Bank · nelnetbank.com
- 30-Day Average SOFR | FRED · fred.stlouisfed.org
- newyorkfed.org · newyorkfed.org
- SOFR Today: 3.94% on 2026-10-29. Secured Overnight Financing Rate, Averages and Index · atlantisdatasolutions.com
- Student Loan Interest Rates from Top Lenders: October 2026 · money.com
- Federal Reserve Bank of New York – SOFR Averages and Index · newyorkfed.org
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
2026 private student loan refinancing variable rates benchmark SOFR index lender disclosures margin benchmark rate OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 | |
student loan refinance variable interest rate index SOFR prime lender rate disclosures 2026 Earnest Laurel Road SoFi Splash OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 |