My grace period ends this week and interest capitalization is stressing me out, so is it better to stick with my federal servicer or refinance with Earnest today?
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Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
My grace period ends this week and interest capitalization is stressing me out, so is it better to stick with my federal servicer or refinance with Earnest today?
3 real searches · 1 real-search pass
2026 federal student loan interest capitalization grace period rules Department of Education capitalization when repayment beginsGoogle ↗
OBSERVEDConsequence
Earnest student loan refinancing rates terms federal loan protections 2026Google ↗
OBSERVEDComparison
Federal Student Aid grace period repayment options income driven repayment deferment forgiveness federal loans refinancing warningGoogle ↗
OBSERVEDComparison
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 federal student loan interest capitalization grace period rules Department of Education capitalization when repayment begins Google ↗
Earnest student loan refinancing rates terms federal loan protections 2026 Google ↗
Federal Student Aid grace period repayment options income driven repayment deferment forgiveness federal loans refinancing warning Google ↗
- Federal Student Aid · studentaid.gov
- How does interest accrue while I am in school? · consumerfinance.gov
- How To Prepare for Student Loan Payments · studentaid.gov
- SAVE Plan Borrowers: FAQs About Choosing a Different Repayment Plan · studentaid.gov
- Borrower In Grace · mohela.studentaid.gov
- The Pros And Cons Of Private Student Loans · bankrate.com
- Best Private Student Loans in October 2026 · wsj.com
- Earnest Student Loans Review 2026: Pros and Cons · thecollegeinvestor.com
Queries
3 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
2026 federal student loan interest capitalization grace period rules Department of Education capitalization when repayment begins OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 | |
Earnest student loan refinancing rates terms federal loan protections 2026 OBSERVED | Google ↗ AI Mode ↗ | — | Comparison | — | — | 1x of 1 | |
Federal Student Aid grace period repayment options income driven repayment deferment forgiveness federal loans refinancing warning OBSERVED | Google ↗ AI Mode ↗ | — | Comparison | — | — | 1x of 1 |