Real ChatGPT answer · index seedroID6iTx6XIcompleteFinance and banking · budgeting and savingcomparison

Compare refinancing student loans through SoFi versus earnest right now to see which gets me the lowest monthly payment by tomorrow morning.

ChatGPTgpt-64 queries10/31/2026
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Fan-out diagram

The searches the AI actually ran for this prompt.

SEED QUERY
Compare refinancing student loans through SoFi versus earnest right now to see which gets me the lowest monthly payment by tomorrow morning.
4 real searches · 1 real-search pass
SoFi student loan refinancing current rates APR terms 2026 officialGoogle ↗
OBSERVED
Earnest student loan refinancing current rates APR terms 2026 officialGoogle ↗
OBSERVED
SoFi student loan refinance prequalify soft credit check funding timeline officialGoogle ↗
OBSERVED
Earnest student loan refinance prequalify soft credit check funding timeline officialGoogle ↗
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 4 queries…

Searches and sources

ChatGPT4 real searches · gpt-6
SoFi student loan refinancing current rates APR terms 2026 official Google ↗
Earnest student loan refinancing current rates APR terms 2026 official Google ↗
SoFi student loan refinance prequalify soft credit check funding timeline official Google ↗
Earnest student loan refinance prequalify soft credit check funding timeline official Google ↗

Queries

4 queries · click a column to sort
Query / typeSearchIntentQuery classRouting formatClusterFreq ↓Weight
SoFi student loan refinancing current rates APR terms 2026 official
OBSERVED
Google ↗
AI Mode ↗
————1x
of 1
Earnest student loan refinancing current rates APR terms 2026 official
OBSERVED
Google ↗
AI Mode ↗
————1x
of 1
SoFi student loan refinance prequalify soft credit check funding timeline official
OBSERVED
Google ↗
AI Mode ↗
————1x
of 1
Earnest student loan refinance prequalify soft credit check funding timeline official
OBSERVED
Google ↗
AI Mode ↗
————1x
of 1