What are the specific legal risks of co-signing an undergraduate student loan with Earnest compared to federal parent PLUS loans regarding total disability discharge?
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Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
What are the specific legal risks of co-signing an undergraduate student loan with Earnest compared to federal parent PLUS loans regarding total disability discharge?
3 real searches · 1 real-search pass
Earnest private student loan cosigner total permanent disability discharge cosigner release policy officialGoogle ↗
OBSERVEDComparison
Federal Parent PLUS loan total and permanent disability discharge parent borrower student disability official StudentAid.govGoogle ↗
OBSERVEDOther / navigational
Earnest student loan agreement death disability cosigner release disability discharge termsGoogle ↗
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 (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
Earnest private student loan cosigner total permanent disability discharge cosigner release policy official Google ↗
Federal Parent PLUS loan total and permanent disability discharge parent borrower student disability official StudentAid.gov Google ↗
Earnest student loan agreement death disability cosigner release disability discharge terms Google ↗
- MOHELA Servicing · servicing.mohela.com
- What happens to my student loans if I die or become disabled? · consumerfinance.gov
- [node:title] · studentaid.gov
- 34 CFR § 685.212 - Discharge of a loan obligation. | Electronic Code of Federal Regulations (e-CFR) | US Law · law.cornell.edu
- Tips for student loan co-signers · consumerfinance.gov
- Co-Signing On a Private Student Loan · nevadatreasurer.gov
- How To Qualify and Apply for Total and Permanent Disability (TPD) Discharge · studentaid.gov
- MOHELA Servicing · servicing.mohela.com
- Title 9-A, §16-105: Disability; discharge of liability · legislature.maine.gov
- 110 ILCS 992/5-85 · ilga.gov
- SENATE BILL 21-057 · coag.gov
Queries
3 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
Earnest private student loan cosigner total permanent disability discharge cosigner release policy official OBSERVED | Google ↗ AI Mode ↗ | — | Comparison | — | — | 1x of 1 | |
Federal Parent PLUS loan total and permanent disability discharge parent borrower student disability official StudentAid.gov OBSERVED | Google ↗ AI Mode ↗ | — | Other / navigational | — | — | 1x of 1 | |
Earnest student loan agreement death disability cosigner release disability discharge terms OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 |