Compare the current interest rate trajectories for federal consolidation versus private refinancing to determine which minimizes total cost over ten years.
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Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
Compare the current interest rate trajectories for federal consolidation versus private refinancing to determine which minimizes total cost over ten years.
1 real search · 1 real-search pass
2026 current student loan refinance fixed interest rates federal direct consolidation weighted average rate rules 2026Google ↗
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 (1)
Classes come from the query-classifier (a local Laya model). 1 of 1 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT1 real searches · gpt-6
2026 current student loan refinance fixed interest rates federal direct consolidation weighted average rate rules 2026 Google ↗
- Annual Notice of Interest Rates for Fixed-Rate Federal Student Loans Made Under the William D. Ford Federal Direct Loan Program · thefederalregister.org
- Best Student Loan Refinance Rates in October 2026 · credible.com
- Interest Rates for Federal Direct Loans First Disbursed Between July 1, 2026 and June 30, 2027 · fsapartners.ed.gov
- Direct Consolidation Loan Application and Promissory Note · studentaid.gov
- Should I consolidate or refinance my student loans? · consumerfinance.gov
- Best Refinance Student Loans In 2026 · bankrate.com