Higher Ed Servicing Corporation sent me a weird collection notice today about an old Perkins loan and I need to know my rights
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
Higher Ed Servicing Corporation sent me a weird collection notice today about an old Perkins loan and I need to know my rights
3 real searches · 1 real-search pass
Higher Education Servicing Corporation collection agency Perkins Loan debt collection rights FDCPAGoogle ↗
OBSERVEDOther / navigational
Federal Perkins Loan statute of limitations administrative wage garnishment Treasury offset cancellation official Department of EducationGoogle ↗
OBSERVEDReason
CFPB debt collection validation notice 30 days dispute rights officialGoogle ↗
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
Higher Education Servicing Corporation collection agency Perkins Loan debt collection rights FDCPA Google ↗
Federal Perkins Loan statute of limitations administrative wage garnishment Treasury offset cancellation official Department of Education Google ↗
CFPB debt collection validation notice 30 days dispute rights official Google ↗
- Perkins Loan Billing, Collection, and Default · fsapartners.ed.gov
- U.S.C. Title 20 · govinfo.gov
- Due Process Guidelines · fiscal.treasury.gov
- Frequently Asked Questions for Individuals about Administrative Wage Garnishment · fiscal.treasury.gov
Queries
3 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
Higher Education Servicing Corporation collection agency Perkins Loan debt collection rights FDCPA OBSERVED | Google ↗ AI Mode ↗ | — | Other / navigational | — | — | 1x of 1 | |
Federal Perkins Loan statute of limitations administrative wage garnishment Treasury offset cancellation official Department of Education OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
CFPB debt collection validation notice 30 days dispute rights official OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 |