Real ChatGPT answer · index seed4oTgqGZSBW0completeFinance and banking · student loansinformational

How does Earnest calculate my custom interest rate during the refinancing pre-approval process without doing a hard credit check that lowers my score?

ChatGPTgpt-61 query10/31/2026
Download run

Fan-out diagram

The searches the AI actually ran for this prompt.

SEED QUERY
How does Earnest calculate my custom interest rate during the refinancing pre-approval process without doing a hard credit check that lowers my score?
1 real search · 1 real-search pass
Earnest student loan refinancing prequalification soft credit check custom rate how calculated factorsGoogle ↗
OBSERVED

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 1 queries…

Searches and sources

ChatGPT1 real searches · gpt-6
Earnest student loan refinancing prequalification soft credit check custom rate how calculated factors Google ↗

Queries

1 queries · click a column to sort
Query / typeSearchIntentQuery classRouting formatClusterFreq ↓Weight
Earnest student loan refinancing prequalification soft credit check custom rate how calculated factors
OBSERVED
Google ↗
AI Mode ↗
————1x
of 1