How does my monthly student loan payment get factored into my debt to income ratio if they are currently on an income driven repayment plan set to zero dollars?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
How does my monthly student loan payment get factored into my debt to income ratio if they are currently on an income driven repayment plan set to zero dollars?
3 real searches · 1 real-search pass
Fannie Mae selling guide student loans income-driven repayment plan $0 monthly payment debt to income ratio 2026Google ↗
OBSERVEDComparison
Freddie Mac seller servicer guide student loans income driven repayment plan zero payment debt ratioGoogle ↗
OBSERVEDComparison
FHA handbook student loan payment income based repayment zero payment DTI calculationGoogle ↗
OBSERVEDOther / navigational
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
Fannie Mae selling guide student loans income-driven repayment plan $0 monthly payment debt to income ratio 2026 Google ↗
Freddie Mac seller servicer guide student loans income driven repayment plan zero payment debt ratio Google ↗
FHA handbook student loan payment income based repayment zero payment DTI calculation Google ↗
- Monthly Debt Obligations · selling-guide.fanniemae.com
- Monthly debt payment-to-income (DTI) ratio, Freddie Mac Guide 5401.2 · claudeforcompliance.com
- FHA Single Family Housing Policy Handbook · hud.gov
- Answer to PITI & TD Ratio Sample Calculation · rd.usda.gov
- FAQ: Top Trending Selling FAQs · singlefamily.fanniemae.com
Queries
3 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
Fannie Mae selling guide student loans income-driven repayment plan $0 monthly payment debt to income ratio 2026 OBSERVED | Google ↗ AI Mode ↗ | — | Comparison | — | — | 1x of 1 | |
Freddie Mac seller servicer guide student loans income driven repayment plan zero payment debt ratio OBSERVED | Google ↗ AI Mode ↗ | — | Comparison | — | — | 1x of 1 | |
FHA handbook student loan payment income based repayment zero payment DTI calculation OBSERVED | Google ↗ AI Mode ↗ | — | Other / navigational | — | — | 1x of 1 |