What happens to my cosigner if I decide to stop paying my private student loans and file for bankruptcy protection this month?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
What happens to my cosigner if I decide to stop paying my private student loans and file for bankruptcy protection this month?
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 cosigner bankruptcy automatic stay Chapter 7 Chapter 13 co-debtor stay 11 USC 1301 Google ↗
private student loans bankruptcy discharge undue hardship qualified education loan 11 USC 523(a)(8) CFPB cosigner Google ↗
- 11 U.S.C. § 523: Exceptions to discharge · uscode.house.gov
- Report of the CFPB Education Loan Ombudsman, Oct. 2022 · files.consumerfinance.gov
- Bulletin 2023-01: Unfair Billing and Collection Practices After Bankruptcy Discharges of Certain Student Loan Debts · consumerfinance.gov
- If I co-signed for a student loan and it has gone into default, what happens? · consumerfinance.gov
- If I co-signed for a private student loan, can I be released from the loan? · consumerfinance.gov
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
private student loan cosigner bankruptcy automatic stay Chapter 7 Chapter 13 co-debtor stay 11 USC 1301 OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 | |
private student loans bankruptcy discharge undue hardship qualified education loan 11 USC 523(a)(8) CFPB cosigner OBSERVED | Google ↗ AI Mode ↗ | — | Comparison | — | — | 1x of 1 |