Real ChatGPT answer · index seedHnwIyqWwGPkcompleteEducation · financial aid and scholarshipscommercial
If I take a non-qualified withdrawal from our state 529 savings plan to pay for unexpected rent, what is the exact tax penalty and income tax rate applied
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The searches the AI actually ran for this prompt.
SEED QUERY
If I take a non-qualified withdrawal from our state 529 savings plan to pay for unexpected rent, what is the exact tax penalty and income tax rate applied
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
IRS 529 plan nonqualified distributions 10% additional tax taxable earnings ordinary income tax 2026 Google ↗
Texas 529 plan nonqualified withdrawal state tax recapture other state plan income tax Google ↗
- Texas 529 Plans: Saving Now on Future College Costs · comptroller.texas.gov
- PART 7: TAX ON CONTRIBUTIONS AND WITHDRAWALS · texascollegesavings.com
- Withdrawals · my529.org
- Publication 970 (2025), Tax Benefits for Education · irs.gov
- Topic no. 313, Qualified tuition programs (QTPs) · irs.gov
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
IRS 529 plan nonqualified distributions 10% additional tax taxable earnings ordinary income tax 2026 OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 | |
Texas 529 plan nonqualified withdrawal state tax recapture other state plan income tax OBSERVED | Google ↗ AI Mode ↗ | — | Comparison | — | — | 1x of 1 |