Graduated Repayment is my tentative post-SAVE plan. Requesting a lookover and advice!

I'm back and looking for advice on my post-SAVE plan. I posted here a couple months ago for clarification on SAVE confusion. Since then, I've been working hard to reevaluate my finances and plan for repayment kicking up. I technically have until the last day of September to do this but I plan to start the plan switching process this week ideally. I don't want to get stuck in a 7 hour phone queue just for them to screw something up at the last second.

Details first, and specific questions at the end.

Servicer: EdFinancial

Total Balance: ~$28,000

Total Loans: 6

Average Interest Rate: 4.43%

Loan Type: All Direct Unsubsidized except one that is Direct Subsidized.

- Not consolidated, six total federal loans

- First loan was Aug. 2015.

- Not going for PSLF.

- AGI roughly $55K

- Household of 1, not married, no dependents, located in NJ

I did the Repayment calculator on the government website as well as a couple different independent websites and according to them the Graduated Repayment plan looks best for me imo. It results in the lowest monthly payment upfront which is what I need and gets my loans paid in 10ish years. I pay more in interest than some of the others (about $3k more in total compared to Standard), but right now my focus is on my immediate bills (I pay a shitton for healthcare).

My plan, tentatively, is to switch from SAVE to Graduated and start low and slow on the loans. Make the minimum payment each month, plus an additional principle-only payment. I'm not sure if it's possible to put that extra payment towards only one of the six loans but if so, I'll do the snowball method. This should, hopefully, result in less interest paid over time while still allowing me to have a low minimum on a solid plan for months where I may be struggling.

I also am working with my employer to set up student loan repayment directly, so that it benefits me in terms of taxes. It will affect my AGI, however I don't believe it will benefit me enough to drop me down a bracket for IDR plans in order for their monthly payments to be comparable to graduated.

I wish I was good at math because I'd love to calculate the result of doing Graduated minimums + $100 extra towards principle each month and snowballing. That way I could really really compare end results. If anyone out there has a formula or calculator for that I will love you eternally.

Questions:

• Am I missing something or does Graduated look like the obvious choice to you student loan wizards, too? I don't hear much talk about it when I browse this sub... most of the chatter is focused on things like REPAYE or IBR or sometimes Standard.
• Would consolidation do anything to benefit me here, or am I fine leaving the 6 as their own things? I don't fully understand the pros/cons of consolidation especially with the graduated plan in my case.
• Will I be able to switch again in the future if my graduated plan payments become too much? Or am I stuck with my choice for all eternity (aka until payoff).

As always, thank you!!