How do current variable versus fixed interest rates compare for refinancing private student loans through SoFi right now, and which one makes more sense for our household budget?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
How do current variable versus fixed interest rates compare for refinancing private student loans through SoFi right now, and which one makes more sense for our household budget?
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
SoFi student loan refinancing fixed variable interest rates current rates October 2026 APR official Google ↗
site:sofi.com student loan refinancing variable fixed rates APR terms Google ↗
- Refinance Student Loan - Rates · sofi.com
- credible.com · credible.com
- refinancing rate page · sofi.com
- Learn About Rates for Our SoFi Lending Products · support.sofi.com
- Student Loan Debt Guide · sofi.com
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
SoFi student loan refinancing fixed variable interest rates current rates October 2026 APR official OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 | |
site:sofi.com student loan refinancing variable fixed rates APR terms OBSERVED | Google ↗ AI Mode ↗ | — | Other / navigational | — | — | 1x of 1 |