Is it better to use income-driven repayment or standard 10-year repayment when consolidating multiple federal loans through EdFinancial today, given my tight monthly budget?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
Is it better to use income-driven repayment or standard 10-year repayment when consolidating multiple federal loans through EdFinancial today, given my tight monthly budget?
3 real searches · 1 real-search pass
2026 federal student loan income-driven repayment plans changes October 2026 consolidation standard repayment plan official StudentAid.govGoogle ↗
OBSERVEDReason
EdFinancial federal loan consolidation repayment plan income driven repayment officialGoogle ↗
OBSERVEDReason
Federal Student Aid loan consolidation repayment options standard 10 year weighted average officialGoogle ↗
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
2026 federal student loan income-driven repayment plans changes October 2026 consolidation standard repayment plan official StudentAid.gov Google ↗
EdFinancial federal loan consolidation repayment plan income driven repayment official Google ↗
Federal Student Aid loan consolidation repayment options standard 10 year weighted average official Google ↗
- Repayment Plans · studentaid.gov
- Top FAQs About Income-Driven Repayment Plans · studentaid.gov
- Repayment Plan Comparison · edfinancial.studentaid.gov
- Student Loan Consolidation · edfinancial.studentaid.gov
- studentaid.gov · studentaid.gov
- Federal Student Aid Repayment Calculator · studentaid.gov
Queries
3 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
2026 federal student loan income-driven repayment plans changes October 2026 consolidation standard repayment plan official StudentAid.gov OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
EdFinancial federal loan consolidation repayment plan income driven repayment official OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
Federal Student Aid loan consolidation repayment options standard 10 year weighted average official OBSERVED | Google ↗ AI Mode ↗ | — | Comparison | — | — | 1x of 1 |