What are the strict rules for cashing in education savings bonds tax free if my income is slightly over the limit this year?
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Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
What are the strict rules for cashing in education savings bonds tax free if my income is slightly over the limit this year?
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). 1 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 2026 education savings bond interest exclusion income phaseout limits 2026 Form 8815 Google ↗
IRS Publication 970 education savings bond exclusion requirements modified adjusted gross income phaseout 2025 Google ↗
- 2026 Instructions for Form 8815 · irs.gov
- Internal Revenue Bulletin: 2025-45 · jcsa.live
- Using bonds for higher education · treasurydirect.gov
- Publication 970 (2025), Tax Benefits for Education · irs.gov
- Publication 17 (2025), Your Federal Income Tax · irs.gov
- About Form 8815, Exclusion of Interest From Series EE and I U.S. Savings Bonds Issued After 1989 · irs.gov
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
IRS 2026 education savings bond interest exclusion income phaseout limits 2026 Form 8815 OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
IRS Publication 970 education savings bond exclusion requirements modified adjusted gross income phaseout 2025 OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 |