Which is better for minimizing total interest paid over five years, refinancing with Earnest or sticking with a federal consolidation plan?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
Which is better for minimizing total interest paid over five years, refinancing with Earnest or sticking with a federal consolidation plan?
3 real searches · 1 real-search pass
Earnest student loan refinancing current fixed APR rates 2026 officialGoogle ↗
OBSERVED
Federal Direct Consolidation Loan interest rate weighted average rounded up nearest one-eighth officialGoogle ↗
OBSERVED
Federal student loan consolidation benefits lost refinancing private loan official Federal Student AidGoogle ↗
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 3 queries…
Searches and sources
ChatGPT3 real searches · gpt-6
Earnest student loan refinancing current fixed APR rates 2026 official Google ↗
Federal Direct Consolidation Loan interest rate weighted average rounded up nearest one-eighth official Google ↗
Federal student loan consolidation benefits lost refinancing private loan official Federal Student Aid Google ↗
- Should I consolidate my federal student loans into a federal Direct Consolidation Loan? · consumerfinance.gov
- 5 Things to Know Before Consolidating Federal Student Loans · studentaid.gov
- Should I consolidate or refinance my student loans? · consumerfinance.gov
- Options for repaying your federal and private student loans · consumerfinance.gov
Queries
3 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
Earnest student loan refinancing current fixed APR rates 2026 official OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 | |
Federal Direct Consolidation Loan interest rate weighted average rounded up nearest one-eighth official OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 | |
Federal student loan consolidation benefits lost refinancing private loan official Federal Student Aid OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 |