VIN Foundation Climbing Mt Debt - Interest, Payment, and Changes are Coming - Are you Ready? 

Is there an easy way to figure out with the one time adjustment how many payments with the other adjustments they are including as well like time in forbearance so you can find an accurate measure of how long you have until forgiveness? I have loans from the early 2000's(FFEL loans). I am trying to figure out how they calculate how close I will be too forgiveness after consolidating to a direct loan. How do I accurately measure everything that would be considered qualifying payments?

"Borrowers with original principal balances of $12,000 or less will receive forgiveness of any remaining balance after making 10 years of payments, with the maximum repayment period before forgiveness rising by one year for every additional $1,000 borrowed. For example, if your original principal balance is $14,000, you will see forgiveness after 12 years. Payments made previously (before 2024) and those made going forward will both count toward these maximum forgiveness timeframes." Do you have any clarification on this? What if all my original loans were less than $12,000 but I have old FFEL loans so I consolidated all my loans into 1 direct loan to take advantage of the one-time payment adjustment which would put over me 10 years of payments but less than 20 years of payments. Does the consolidation put me back on the 20 year forgiveness since my consolidated balance will be $72,000 or since all my loans that were consolidated had less $12,000 original balance will that get me forgiveness at the 10 year level?