We need to know how Earnest evaluates our credit score and debt-to-income ratio as co-signers before we submit a formal refinancing application for our son's education debt.
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Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
We need to know how Earnest evaluates our credit score and debt-to-income ratio as co-signers before we submit a formal refinancing application for our son's education debt.
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 refinancing cosigner credit score debt-to-income requirements co-signer underwriting 2026 Google ↗
site:earnest.com student loan refinance cosigner credit score debt-to-income ratio requirements Google ↗
- Earnest Refinancing and Private Student Loans: 2026 Review · nerdwallet.com
- Earnest Student Loan Refinancing Review · cnbc.com
- What Credit Score Is Needed To Refinance Student Loans? · thecollegeinvestor.com
- EF20047039 Navient Corp ARS_CWO-49304.pdf · sec.gov
- Does Earnest consider household incomes when reviewing applications? · help.earnest.com
- Why Do I Need To Connect My Bank Accounts? · help.earnest.com
- I Don’t Have Any Savings. Will My Application be Declined? · help.earnest.com
- Why Does Earnest Ask for My Social Security Number (SSN)? · help.earnest.com
- What Makes Refinancing My Student Loans With Earnest Different From Other Refinancing or Consolidation Options? · help.earnest.com
- Have concerns? Let’s talk through it · a-us.storyblok.com
- Earnest Student Loan Refinancing · earnest.com
- Help Center · help.earnest.com
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
Earnest student loan refinancing cosigner credit score debt-to-income requirements co-signer underwriting 2026 OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 | |
site:earnest.com student loan refinance cosigner credit score debt-to-income ratio requirements OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 |