Real ChatGPT answer · index seedeuDFhLANy3gcompleteEducation · financial aid and scholarshipscommercial

Can you compare SoFi student loan refinancing rates with Earnest and Credible for someone with a 740 credit score and an income of 55k?

ChatGPTgpt-63 queries11/1/2026
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Fan-out diagram

The searches the AI actually ran for this prompt.

SEED QUERY
Can you compare SoFi student loan refinancing rates with Earnest and Credible for someone with a 740 credit score and an income of 55k?
3 real searches · 1 real-search pass
SoFi student loan refinancing rates 2026 fixed variable APR officialGoogle ↗
OBSERVEDOther / navigational
Earnest student loan refinance rates 2026 fixed variable APR officialGoogle ↗
OBSERVEDOther / navigational
Credible student loan refinance rates 2026 lender marketplace APR officialGoogle ↗
OBSERVEDOther / navigational

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)
Short factOther / navigational100%ComparisonConsequenceReasonDefinitionInstructionYes / no

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
SoFi student loan refinancing rates 2026 fixed variable APR official Google ↗
Earnest student loan refinance rates 2026 fixed variable APR official Google ↗
Credible student loan refinance rates 2026 lender marketplace APR official Google ↗

Queries

3 queries · click a column to sort
Query / typeSearchIntentQuery classRouting formatClusterFreq ↓Weight
SoFi student loan refinancing rates 2026 fixed variable APR official
OBSERVED
Google ↗
AI Mode ↗
—Other / navigational——1x
of 1
Earnest student loan refinance rates 2026 fixed variable APR official
OBSERVED
Google ↗
AI Mode ↗
—Other / navigational——1x
of 1
Credible student loan refinance rates 2026 lender marketplace APR official
OBSERVED
Google ↗
AI Mode ↗
—Other / navigational——1x
of 1