How do current federal interest rates compare when deciding whether to choose a fixed or variable rate consolidation for my graduate school loans?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
How do current federal interest rates compare when deciding whether to choose a fixed or variable rate consolidation for my graduate school loans?
3 real searches · 1 real-search pass
2026-2027 federal student loan interest rates graduate Direct Unsubsidized Grad PLUS official July 1 2026Google ↗
OBSERVEDConsequence
Federal Direct Consolidation Loan interest rate weighted average rounded up one eighth fixed rate officialGoogle ↗
OBSERVEDShort fact
Federal student loan consolidation variable rate private refinance fixed variable risks federal benefits officialGoogle ↗
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
2026-2027 federal student loan interest rates graduate Direct Unsubsidized Grad PLUS official July 1 2026 Google ↗
Federal Direct Consolidation Loan interest rate weighted average rounded up one eighth fixed rate official Google ↗
Federal student loan consolidation variable rate private refinance fixed variable risks federal benefits official Google ↗
- Interest Rates for Federal Student Loans · edfinancial.studentaid.gov
- Annual Notice of Interest Rates for Fixed-Rate Federal Student Loans Made Under the William D. Ford Federal Direct Loan Program · thefederalregister.org
- Direct Consolidation Loan Application and Promissory Note · studentaid.gov
- 5 Things to Know Before Consolidating Federal Student Loans · studentaid.gov
- Should I consolidate or refinance my student loans? · consumerfinance.gov
Queries
3 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
2026-2027 federal student loan interest rates graduate Direct Unsubsidized Grad PLUS official July 1 2026 OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 | |
Federal Direct Consolidation Loan interest rate weighted average rounded up one eighth fixed rate official OBSERVED | Google ↗ AI Mode ↗ | — | Short fact | — | — | 1x of 1 | |
Federal student loan consolidation variable rate private refinance fixed variable risks federal benefits official OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 |