Real ChatGPT answer · index seedzRF99FDbuPQcompleteFinance and banking · student loansinformational

How does Earnest calculate interest rates for refinancing student debt, and do they offer better fixed rates than SoFi right now?

ChatGPTgpt-61 query10/31/2026
Download run

Fan-out diagram

The searches the AI actually ran for this prompt.

SEED QUERY
How does Earnest calculate interest rates for refinancing student debt, and do they offer better fixed rates than SoFi right now?
1 real search · 1 real-search pass
Earnest student loan refinance how rates are calculated underwriting fixed APR rates October 2026 SoFi refinance fixed rates comparisonGoogle ↗
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 1 queries…

Searches and sources

ChatGPT1 real searches · gpt-6
Earnest student loan refinance how rates are calculated underwriting fixed APR rates October 2026 SoFi refinance fixed rates comparison Google ↗
  1. Why Do I Need To Connect My Bank Accounts? · help.earnest.com
  2. I Don’t Have Any Savings. Will My Application be Declined? · help.earnest.com
  3. 03. ARS · sec.gov
  4. Earnest · frontend-astro.savingforcollege.com
  5. credible.com · credible.com
  6. Learn About Rates for Our SoFi Lending Products · support.sofi.com
  7. Earnest student loan refinancing · earnest.com
  8. SoFi student loan refinancing · sofi.com

Queries

1 queries · click a column to sort
Query / typeSearchIntentQuery classRouting formatClusterFreq ↓Weight
Earnest student loan refinance how rates are calculated underwriting fixed APR rates October 2026 SoFi refinance fixed rates comparison
OBSERVED
Google ↗
AI Mode ↗
————1x
of 1