Saving on a Valuable Education – Ends XX/XX/XXXX

Two quick questions because I'm a little confused and a lot stupid. I started repaying student loans in 2005 before switching over to the REPAYE plan around 2020 and being transitioned to the SAVE plan around 2023. When I log into my account it says "Saving on a Valuable Education – Ends 01/07/2025."

1. First I wanted to confirm that this is the date the loans are due to be forgiven. I was originally under the impression that the forgiveness clock started from the day you enrolled in the REPAYE/SAVE plan, but from what I've gathered, it backdates to the year that you made your first payment?

2. The end date shows 20 years from the date that I started making payments. This confuses me because graduate loans are supposed to be 25 years. My loans are for pharmacy school which is generally regarded as a graduate degree (and I already had an undergraduate degree) but technically doesn't require an undergraduate degree at the time of enrollment. But super technically, the site says that 20 years is for undergrad and 25 years is for MIX of undergrad+grad… and I only had grad loans. Any guesses on that one?