Real ChatGPT answer · index seedzZBHiUtB62IcompleteFinance and banking · student loanscomparison

What do I need to know about promissory note penalty clauses when comparing Splash Financial and Earnest?

ChatGPTgpt-62 queries10/31/2026
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Fan-out diagram

The searches the AI actually ran for this prompt.

SEED QUERY
What do I need to know about promissory note penalty clauses when comparing Splash Financial and Earnest?
2 real searches · 1 real-search pass
Splash Financial promissory note late payment fee prepayment penalty loan agreement officialGoogle ↗
OBSERVEDConsequence
Earnest promissory note late fee prepayment penalty student loan officialGoogle ↗
OBSERVEDConsequence

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)
Short factOther / navigationalComparisonConsequence100%ReasonDefinitionInstructionYes / no

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
Splash Financial promissory note late payment fee prepayment penalty loan agreement official Google ↗
Earnest promissory note late fee prepayment penalty student loan official Google ↗

Queries

2 queries · click a column to sort
Query / typeSearchIntentQuery classRouting formatClusterFreq ↓Weight
Splash Financial promissory note late payment fee prepayment penalty loan agreement official
OBSERVED
Google ↗
AI Mode ↗
—Consequence——1x
of 1
Earnest promissory note late fee prepayment penalty student loan official
OBSERVED
Google ↗
AI Mode ↗
—Consequence——1x
of 1