Why does my debt to income ratio look different on my credit report compared to what MOHELA is reporting today
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
Why does my debt to income ratio look different on my credit report compared to what MOHELA is reporting today
2 real searches · 1 real-search pass
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 (2)
Classes come from the query-classifier (a local Laya model). 2 of 2 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT2 real searches · gpt-6
MOHELA how student loans reported to credit bureaus monthly payment balance credit reporting 2026 Google ↗
Fannie Mae student loan debt income driven repayment monthly payment DTI guidelines 2026 Google ↗
- Credit Reporting · mohela.studentaid.gov
- FAQs · mohela.studentaid.gov
- Monthly Debt Obligations · selling-guide.fanniemae.com
- Debt-to-Income Ratios · selling-guide.fanniemae.com
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
MOHELA how student loans reported to credit bureaus monthly payment balance credit reporting 2026 OBSERVED | Google ↗ AI Mode ↗ | — | Other / navigational | — | — | 1x of 1 | |
Fannie Mae student loan debt income driven repayment monthly payment DTI guidelines 2026 OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 |