How do I calculate whether refinancing my federal loans with SoFi makes sense given the loss of income-driven repayment protections?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
How do I calculate whether refinancing my federal loans with SoFi makes sense given the loss of income-driven repayment protections?
3 real searches · 1 real-search pass
2026 federal student loan income-driven repayment plans refinancing private loan loss federal benefits Department of EducationGoogle ↗
OBSERVEDConsequence
SoFi student loan refinancing federal loans lose federal benefits officialGoogle ↗
OBSERVEDConsequence
Federal Student Aid loan simulator IDR PSLF federal loan benefits refinancing private loanGoogle ↗
OBSERVEDReason
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 (3)
Classes come from the query-classifier (a local Laya model). 3 of 3 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT3 real searches · gpt-6
2026 federal student loan income-driven repayment plans refinancing private loan loss federal benefits Department of Education Google ↗
SoFi student loan refinancing federal loans lose federal benefits official Google ↗
Federal Student Aid loan simulator IDR PSLF federal loan benefits refinancing private loan Google ↗
- What happens to my federal student loans if my income drops? · consumerfinance.gov
- Should I consolidate or refinance my student loans? · consumerfinance.gov
- The Basics of SoFi’s Student Loan Refinancing! · support.sofi.com
- Compare Repayment Plans With Our Repayment Calculator · studentaid.gov
- Top FAQs About Income-Driven Repayment Plans · studentaid.gov
- SAVE Plan Borrowers: FAQs About Choosing a Different Repayment Plan · studentaid.gov
- Federal Student Aid Repayment Calculator · studentaid.gov
- The Basics of SoFi’s Student Loan Refinancing! · support.sofi.com
Queries
3 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
2026 federal student loan income-driven repayment plans refinancing private loan loss federal benefits Department of Education OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 | |
SoFi student loan refinancing federal loans lose federal benefits official OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 | |
Federal Student Aid loan simulator IDR PSLF federal loan benefits refinancing private loan OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 |