How do variable interest rates on private student refinancing loans adjust throughout the year, and what is the current cap on them?
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Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
How do variable interest rates on private student refinancing loans adjust throughout the year, and what is the current cap on them?
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). 2 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
private student loan refinancing variable interest rate cap lifetime cap 2026 lender cap 18% SOFR adjustment frequency Google ↗
private education loan variable interest rate maximum cap federal law 18 percent refinancing Google ↗
- credible.com · credible.com
- Student Loan Refinancing Rates · key.com
- Student Refinance Loans · dcu.org
- 15 U.S. Code § 1638 - Transactions other than under an open end credit plan | U.S. Code | US Law · law.cornell.edu
- 12 CFR § 226.47 - Content of disclosures. | Electronic Code of Federal Regulations (e-CFR) | US Law · law.cornell.edu
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
private student loan refinancing variable interest rate cap lifetime cap 2026 lender cap 18% SOFR adjustment frequency OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 | |
private education loan variable interest rate maximum cap federal law 18 percent refinancing OBSERVED | Google ↗ AI Mode ↗ | — | Comparison | — | — | 1x of 1 |