Which repayment plan should I choose?

I have about $28,700 in federal student loans. My original principal seems to be around $22,229, with about $6,518 in accrued interest.

I started college in 2015 but graduated in December 2025 after multiple leaves of absence, so I did not have to start repayment until now. Until March 2026, my income was very low because I only did Uber occasionally, and my 2025 federal tax return showed income under $10,000.

Because of that low 2025 income, my current repayment options show very low monthly payments. However, my situation changed in 2026. I got married and started working more in March 2026. I now earn about $6,000/month, and my wife earns about $2,500/month, so my future reported income will be much higher once my 2026 tax return is used.

I am trying to decide which repayment plan is best strategically. I want to avoid getting hit with a large amount of interest, keep payments manageable in the short term, and choose the option that makes the most financial sense long term.