My co-signer filed for bankruptcy today, and my private lender is threatening to accelerate my entire student loan balance unless I refinance immediately.
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
My co-signer filed for bankruptcy today, and my private lender is threatening to accelerate my entire student loan balance unless I refinance immediately.
3 real searches · 1 real-search pass
private student loan co-signer bankruptcy acceleration clause lender bankruptcy default clause CFPBGoogle ↗
OBSERVEDReason
11 USC 1301 co-debtor stay private student loan co-signer bankruptcy Chapter 13 officialGoogle ↗
OBSERVEDConsequence
Texas law private student loan acceleration bankruptcy co-signer default contractGoogle ↗
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)
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
private student loan co-signer bankruptcy acceleration clause lender bankruptcy default clause CFPB Google ↗
11 USC 1301 co-debtor stay private student loan co-signer bankruptcy Chapter 13 official Google ↗
Texas law private student loan acceleration bankruptcy co-signer default contract Google ↗
- 15 U.S.C. § 1650: Preventing unfair and deceptive private educational lending practices and eliminating conflicts of interest · uscode.house.gov
- V-1 Truth in Lending Act (TILA) · fdic.gov
- govinfo.gov · govinfo.gov
- CFPB Finds Private Student Loan Borrowers Face “Auto-Default” When Co-Signer Dies or Goes Bankrupt · consumerfinance.gov
- Consumer Financial Protection Bureau · consumerfinance.gov
Queries
3 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
private student loan co-signer bankruptcy acceleration clause lender bankruptcy default clause CFPB OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
11 USC 1301 co-debtor stay private student loan co-signer bankruptcy Chapter 13 official OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 | |
Texas law private student loan acceleration bankruptcy co-signer default contract OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 |