How badly does my heavy student loan debt hurt our debt to income ratio when we apply for a mortgage with two kids in daycare.
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
How badly does my heavy student loan debt hurt our debt to income ratio when we apply for a mortgage with two kids in daycare.
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
Fannie Mae selling guide student loan monthly debt payment DTI income driven repayment zero payment 2026 Google ↗
FHA student loan monthly payment debt to income ratio 0.5 percent daycare expenses mortgage DTI Google ↗
- Debt-to-Income Ratios · guide-selling.fanniemae.com
- Monthly Debt Obligations · selling-guide.fanniemae.com
- AFFORDABLE MORTGAGE · fdic.gov
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
Fannie Mae selling guide student loan monthly debt payment DTI income driven repayment zero payment 2026 OBSERVED | Google ↗ AI Mode ↗ | — | Other / navigational | — | — | 1x of 1 | |
FHA student loan monthly payment debt to income ratio 0.5 percent daycare expenses mortgage DTI OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 |