Is it better to use bankruptcy to wipe out private student loans while keeping federal loans on an income driven plan
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
Is it better to use bankruptcy to wipe out private student loans while keeping federal loans on an income driven plan
3 real searches · 1 real-search pass
2025 Department of Justice bankruptcy student loan discharge guidance private student loans undue hardship officialGoogle ↗
OBSERVEDReason
11 USC 523(a)(8) private student loans discharge bankruptcy CFPB officialGoogle ↗
OBSERVEDReason
Federal student loans bankruptcy discharge income driven repayment keep federal loans separate official studentaid.govGoogle ↗
OBSERVEDComparison
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 (3)
Classes come from the query-classifier (a local Laya model). 3 of 3 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT3 real searches · gpt-6
2025 Department of Justice bankruptcy student loan discharge guidance private student loans undue hardship official Google ↗
11 USC 523(a)(8) private student loans discharge bankruptcy CFPB official Google ↗
Federal student loans bankruptcy discharge income driven repayment keep federal loans separate official studentaid.gov Google ↗
- Discharge in Bankruptcy · studentaid.gov
- [node:title] · studentaid.gov
- 11 U.S.C. § 523: Exceptions to discharge · uscode.house.gov
- Federal Register / Vol. 88, No. 56 / Thursday, March 23, 2023 / Rules and Regulations 17367 · files.consumerfinance.gov
- Bulletin 2023-01: Unfair Billing and Collection Practices After Bankruptcy Discharges of Certain Student Loan Debts · consumerfinance.gov
- U.S. Trustee Program · justice.gov
- Discharge in Bankruptcy · uscourts.gov
Queries
3 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
2025 Department of Justice bankruptcy student loan discharge guidance private student loans undue hardship official OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
11 USC 523(a)(8) private student loans discharge bankruptcy CFPB official OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
Federal student loans bankruptcy discharge income driven repayment keep federal loans separate official studentaid.gov OBSERVED | Google ↗ AI Mode ↗ | — | Comparison | — | — | 1x of 1 |