The estimated forgiveness date in your Savi Plan Results is calculated based off of the employment entered in the Savi application and the date you entered when you started repayment. If you recently consolidated to be eligible for previous changes to the PSLF program such as the PSLF Waiver that ended October 31, 2022 or the One Time Account Adjustment, with the consolidation deadline of July 31, 2024, the estimated forgiveness displayed will not reflect past payments eligible with these programs. Any borrower who consolidated their loans into a Direct Consolidation loan at any point before July 31, 2024 will be eligible for the One Time Account Adjustment.
Borrowers who consolidate their Direct loans after July 31, 2024 will receive a weighted average for qualifying payments towards PSLF.
Borrowers who consolidate FFEL loans after July 31, 2024 will have their payment count fully reset.
You can read more about the weighted average here.
Savi Premium users can reach out to the support team to inquire further about qualifying payments with a consolidation loan.