Compare refinancing with Earnest versus holding out for federal unemployment deferment when my business revenue drops to zero
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
Compare refinancing with Earnest versus holding out for federal unemployment deferment when my business revenue drops to zero
3 real searches · 1 real-search pass
Federal Student Aid unemployment deferment eligibility self employed business owner zero income 2026 federal student loansGoogle ↗
OBSERVEDYes / no
Earnest student loan refinancing federal loans lose benefits unemployment deferment hardship forbearance officialGoogle ↗
OBSERVEDConsequence
Federal Student Aid income driven repayment zero income monthly payment unemployment deferment officialGoogle ↗
OBSERVEDYes / no
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
Federal Student Aid unemployment deferment eligibility self employed business owner zero income 2026 federal student loans Google ↗
Earnest student loan refinancing federal loans lose benefits unemployment deferment hardship forbearance official Google ↗
Federal Student Aid income driven repayment zero income monthly payment unemployment deferment official Google ↗
- What Makes Refinancing My Student Loans With Earnest Different From Other Refinancing or Consolidation Options? · help.earnest.com
- Should I consolidate or refinance my student loans? · consumerfinance.gov
- Deferment and Forbearance · edfinancial.studentaid.gov
- 34 CFR § 685.204 - Deferment. | Electronic Code of Federal Regulations (e-CFR) | US Law · law.cornell.edu
- studentaid.gov · studentaid.gov
- What happens to my federal student loans if my income drops? · consumerfinance.gov
- Top FAQs About Income-Driven Repayment Plans · studentaid.gov
- Federal Student Aid – Income-Driven Repayment · studentaid.gov
Queries
3 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
Federal Student Aid unemployment deferment eligibility self employed business owner zero income 2026 federal student loans OBSERVED | Google ↗ AI Mode ↗ | — | Yes / no | — | — | 1x of 1 | |
Earnest student loan refinancing federal loans lose benefits unemployment deferment hardship forbearance official OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 | |
Federal Student Aid income driven repayment zero income monthly payment unemployment deferment official OBSERVED | Google ↗ AI Mode ↗ | — | Yes / no | — | — | 1x of 1 |