$165k + $55k spouse. Can’t figure out which plan is right for us

Please help. I’m at a loss. Questions:

1. Which plan would you recommend for the lowest monthly payment?
2. Should we file joint or separate taxes?
3. Is it worth submitting an application for new plan now? Or wait until we receive notice?
4. When do we recertify our income?
5. Should I turn off autorecertify?

I have ~$165k in loans that I consolidated with a 5.5-6% interest rate. Graduated in 2022 so I haven’t made a single payment as I’ve been in forbearance and working on more important debts. My husband (married one month ago) has about $55k in loans consolidated with the same interest rate. He’s only made about $3k in payment since graduating in 2022 as he was also in forbearance.

I made $110k last year. Expected to make $125k this year. My income will increase at like $10k-$15k per year. My husband made $165k last year (before we were married). He recently took a pay cut to stop going offshore and will make around $75k this year. His income is expected to increase about $3k-$5k per year if he stays with this job.

We were both in SAVE. All of our loans are federal. I have some post-grad/law school loans as well as undergrad. My husband’s are all from undergrad. Neither of us have received notice from our services (nelnet and aidvantage). My profile says I don’t need to recertify income until Sept. 2027, so as of now it’s still going off my first post-grad income of ~$40k. I’m not sure if my husband has ever certified or when his deadline is.

Even though it seems like we make a lot, we obviously still can’t afford $2k-$3k in payments a month. Especially with his pay cut. (He took the pay cut to spend more time at home. He was away 25-28 days a month and worked 12 hrs 7 days a week for 300+ days a year. It was best for our relationship). We have a mortgage, one car note, combined ~$12k-$15k in credit card debt, normal utilities and some other lines of credit for work we did on our recently purchased home. No dependents for either of us and likely won’t be having kids anytime soon given the current state of the world.

What are your thoughts?! Also note – I don’t care or ever plan on paying off these predatory scams. I just want the lowest possible monthly payment.