What are the actual risks of co-signing student loan debt for my oldest child and how does it affect my credit score long-term?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
What are the actual risks of co-signing student loan debt for my oldest child and how does it affect my credit score long-term?
3 real searches · 1 real-search pass
CFPB cosigning private student loan risks credit report co-signer release debt-to-incomeGoogle ↗
OBSERVEDConsequence
FICO co-signed loan credit score payment history amounts owed credit reportGoogle ↗
OBSERVEDReason
Federal Student Aid Parent PLUS loan parent legally responsible credit report distinction cosignerGoogle ↗
OBSERVEDReason
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
CFPB cosigning private student loan risks credit report co-signer release debt-to-income Google ↗
FICO co-signed loan credit score payment history amounts owed credit report Google ↗
Federal Student Aid Parent PLUS loan parent legally responsible credit report distinction cosigner Google ↗
- How Payment History Impacts Your Credit Score · myfico.com
- What's in your credit score? · myfico.com
- What is a co-signer for a student loan? · consumerfinance.gov
- Cosigning a Loan FAQs · consumer.ftc.gov
- How Does Cosigning Affect Your Credit? · experian.com
- studentaid.gov · studentaid.gov
- Student loan answers · consumerfinance.gov
- Tips for student loan co-signers · consumerfinance.gov
Queries
3 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
CFPB cosigning private student loan risks credit report co-signer release debt-to-income OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 | |
FICO co-signed loan credit score payment history amounts owed credit report OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
Federal Student Aid Parent PLUS loan parent legally responsible credit report distinction cosigner OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 |