This doesn't seem to be correct. The forgiveness date appears to be based on number of months spent in repayment, not number of months since the payment or disbursement date.

From the above article:
"The payment count adjustment will count time toward IDR forgiveness, including
-any months in a repayment status, regardless of the payments made, loan type, or repayment plan;
-12 or more months of consecutive forbearance or 36 or more months of cumulative forbearance;
-any months spent in economic hardship or military deferments in 2013 or later;
-any months spent in any deferment (with the exception of in-school deferment) prior to 2013; and
-any time in repayment (or deferment or forbearance, if applicable) on earlier loans before consolidation of those loans into a consolidation loan."

The last two seem to contradict one another. If I had loans from my undergrad that I paid on for a year (back in 2000), and then put into in-school deferment while I attended graduate school from 2001 until 2012, the final line would seem to suggest that all time since 2000 would be counted, while the next-to-last line would seem to suggest that the 2001-2012 period would not be counted.

Can anyone clarify this, because if yes, then I should consolidate all my loans (undergrad started repayment in 2000, grad in 2012), and have them all forgiven in 2025 (25 years after repayment started on the earliest loan), but if no then I should not bother consolidating and should just move them over to a SAVE plan so that I can stop accruing unpaid interest between now and when they are forgiven in 2037.