Real ChatGPT answer · index seedo8AZPP1eyWkcompleteFinance and banking · student loanscomparison

Is Earnest student loan refinancing actually cheaper overall than refinancing through SoFi right now when you factor in all their origination fees and my 720 credit score?

ChatGPTgpt-61 query10/31/2026
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The searches the AI actually ran for this prompt.

SEED QUERY
Is Earnest student loan refinancing actually cheaper overall than refinancing through SoFi right now when you factor in all their origination fees and my 720 credit score?
1 real search · 1 real-search pass
Earnest student loan refinance origination fee SoFi origination fee rates 2026 credit score requirementsGoogle ↗
OBSERVED

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.

Classifying 1 queries…

Searches and sources

ChatGPT1 real searches · gpt-6
Earnest student loan refinance origination fee SoFi origination fee rates 2026 credit score requirements Google ↗

Queries

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Query / typeSearchIntentQuery classRouting formatClusterFreq ↓Weight
Earnest student loan refinance origination fee SoFi origination fee rates 2026 credit score requirements
OBSERVED
Google ↗
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