Real ChatGPT answer · index seedJFlixqzM71QcompleteFinance and banking · student loanscommercial

Can you check the latest SoFi refinancing interest rate promotions and determine if they beat Marcus or Earnest for an aggregate loan balance of ninety thousand dollars?

ChatGPTgpt-63 queries10/31/2026
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Fan-out diagram

The searches the AI actually ran for this prompt.

SEED QUERY
Can you check the latest SoFi refinancing interest rate promotions and determine if they beat Marcus or Earnest for an aggregate loan balance of ninety thousand dollars?
3 real searches · 1 real-search pass
SoFi student loan refinancing current promotional APR discounts October 2026 ratesGoogle ↗
OBSERVEDComparison
Earnest student loan refinancing current rates promotions October 2026Google ↗
OBSERVEDComparison
Marcus by Goldman Sachs personal loans new applications discontinued current refinancing 2026Google ↗
OBSERVEDConsequence

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)
Short factOther / navigationalComparison67%Consequence33%ReasonDefinitionInstructionYes / no

Classes come from the query-classifier (a local Laya model). 2 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
SoFi student loan refinancing current promotional APR discounts October 2026 rates Google ↗
Earnest student loan refinancing current rates promotions October 2026 Google ↗
Marcus by Goldman Sachs personal loans new applications discontinued current refinancing 2026 Google ↗

Queries

3 queries · click a column to sort
Query / typeSearchIntentQuery classRouting formatClusterFreq ↓Weight
SoFi student loan refinancing current promotional APR discounts October 2026 rates
OBSERVED
Google ↗
AI Mode ↗
—Comparison——1x
of 1
Earnest student loan refinancing current rates promotions October 2026
OBSERVED
Google ↗
AI Mode ↗
—Comparison——1x
of 1
Marcus by Goldman Sachs personal loans new applications discontinued current refinancing 2026
OBSERVED
Google ↗
AI Mode ↗
—Consequence——1x
of 1