My federal student loan interest rates just updated, so how do I calculate if consolidating them now will actually save me money?
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Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
My federal student loan interest rates just updated, so how do I calculate if consolidating them now will actually save me money?
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). 1 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
Federal Direct Consolidation Loan weighted average interest rate rounded up nearest one-eighth official StudentAid.gov 2026 Google ↗
Federal student loan consolidation compare costs repayment term interest capitalization official Federal Student Aid Google ↗
- StudentAid.gov · studentaid.gov
- 5 Things to Know Before Consolidating Federal Student Loans · studentaid.gov
- Should I consolidate my federal student loans into a federal Direct Consolidation Loan? · consumerfinance.gov
- Loan Consolidation · mohela.studentaid.gov
- Federal Student Aid Repayment Calculator · studentaid.gov
- Compare Repayment Plans With Our Repayment Calculator · studentaid.gov
- Federal Family Education Loan Program: Federal Stafford, Federal PLUS, Federal SLS, and Federal Consolidation Loan Interest Rate Calculations for the Period July 1, 2026–June 30, 2027 (Updated June 30, 2026) · fsapartners.ed.gov
- Federal Student Loan Interest Rates · mohela.studentaid.gov
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
Federal Direct Consolidation Loan weighted average interest rate rounded up nearest one-eighth official StudentAid.gov 2026 OBSERVED | Google ↗ AI Mode ↗ | — | Short fact | — | — | 1x of 1 | |
Federal student loan consolidation compare costs repayment term interest capitalization official Federal Student Aid OBSERVED | Google ↗ AI Mode ↗ | — | Comparison | — | — | 1x of 1 |