I need to lock in a new rate today because my current variable student loan is spiking, so should I refinance with Earnest or SoFi right now?
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Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
I need to lock in a new rate today because my current variable student loan is spiking, so should I refinance with Earnest or SoFi right now?
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
Earnest student loan refinance rates October 31 2026 fixed variable APR benefits fees soft credit check Google ↗
SoFi student loan refinancing rates October 31 2026 fixed variable APR benefits fees soft credit check Google ↗
- Compare student loan refinancing companies of November 2026 · nerdwallet.com
- Earnest vs. SoFi Student Loan Refinance · consumersadvocate.org
- What Makes Refinancing My Student Loans With Earnest Different From Other Refinancing or Consolidation Options? · help.earnest.com
- SoFi Student Loan Refinancing · sofi.com
- Check your Earnest rate · earnest.com
- Check your SoFi rate · sofi.com
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
Earnest student loan refinance rates October 31 2026 fixed variable APR benefits fees soft credit check OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 | |
SoFi student loan refinancing rates October 31 2026 fixed variable APR benefits fees soft credit check OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 |