Why is this so confusing?

I am at 60/120 payments for PSLF on the SAVE plan, so it should really be like at least 72+ payments but whatever. Do I switch to PAYE now that’s it’s open? I’m MFS and since my last income certification my salary has doubled to low six figures ($135k). The loan simulator says I can’t do IBR. My choices are PAYE for $870, ICR $1275, or standard at $1890. RAP would be $1090 I think.

Should I stay in save forbearance with my income recertification now pushed til late 2026 or jump on PAYE since my payments say they’ll resume in November 2025? Anyone else in a similar boat?

(I used to work in government, I currently work at a nonprofit, I’m trying to get back into government)