Why did Earnest deny my student loan refinancing application even though I have a decent job and how can I fix my debt-to-income ratio to reapply successfully?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
Why did Earnest deny my student loan refinancing application even though I have a decent job and how can I fix my debt-to-income ratio to reapply successfully?
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
Earnest student loan refinancing eligibility debt to income denial adverse action notice requirements Google ↗
Earnest student loan refinance eligibility minimum income credit score debt to income ratio official Google ↗
- I Don’t Have Any Savings. Will My Application be Declined? · help.earnest.com
- Why Do I Need To Connect My Bank Accounts? · help.earnest.com
- Does Earnest consider household incomes when reviewing applications? · help.earnest.com
- AnnualCreditReport.com · annualcreditreport.com
- Earnest's Help Center · help.earnest.com
- What Makes Refinancing My Student Loans With Earnest Different From Other Refinancing or Consolidation Options? · help.earnest.com
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
Earnest student loan refinancing eligibility debt to income denial adverse action notice requirements OBSERVED | Google ↗ AI Mode ↗ | — | Comparison | — | — | 1x of 1 | |
Earnest student loan refinance eligibility minimum income credit score debt to income ratio official OBSERVED | Google ↗ AI Mode ↗ | — | Comparison | — | — | 1x of 1 |