Evaluate the pros and cons of adding a co signer with a high debt to income ratio on a PenFed personal loan compared to applying solo with a lower balance.
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
Evaluate the pros and cons of adding a co signer with a high debt to income ratio on a PenFed personal loan compared to applying solo with a lower balance.
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
PenFed personal loan co-borrower cosigner debt-to-income ratio application requirements Google ↗
PenFed personal loan rates terms eligibility co-applicant joint applicant official Google ↗
- Frequently Asked Questions (FAQs) · penfed.org
- Personal Loans: Rates & Pre-Approval · penfed.org
- Differences Between a Co-Borrower vs. Cosigner · penfed.org
- PenFed Credit Union 2026 Personal Loan Review · nerdwallet.com
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
PenFed personal loan co-borrower cosigner debt-to-income ratio application requirements OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
PenFed personal loan rates terms eligibility co-applicant joint applicant official OBSERVED | Google ↗ AI Mode ↗ | — | Other / navigational | — | — | 1x of 1 |