What happens to my credit utilization ratio if I co-sign a large private student loan, and does it impact my ability to buy a secondary property?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
What happens to my credit utilization ratio if I co-sign a large private student loan, and does it impact my ability to buy a secondary property?
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
Fannie Mae Selling Guide co-signed student loan debt exclusion payment made by others 12 months mortgage debt-to-income Google ↗
CFPB co-signing private student loan credit report liability mortgage debt to income Google ↗
- Monthly Debt Obligations · selling-guide.fanniemae.com
- FAQ: Top Trending Selling FAQs · singlefamily.fanniemae.com
- Debt-to-Income Ratios · selling-guide.fanniemae.com
- What is a co-signer for a student loan? · consumerfinance.gov
- Tips for student loan co-signers · consumerfinance.gov
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
Fannie Mae Selling Guide co-signed student loan debt exclusion payment made by others 12 months mortgage debt-to-income OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 | |
CFPB co-signing private student loan credit report liability mortgage debt to income OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 |