Still so confused about SAVE alternative options.

I have been looking through posts here and the completely useless FSA repayment calculator, and still have multiple questions:

I am on SAVE, so is my husband and we file jointly. We currently pay $0 because of our income, and combined we have around $50,000 in loans. We graduated in 2020 and 2021. Our AGI is $75,400.

When I use the repayment calculator to find “lowest monthly payment” it does not show PAYE as an option (but I know it expires in 2028). Our lowest payment is about $100 for each of us, which we cannot afford (hence qualifying for $0 on the SAVE plan)

1) Do I HAVE to consolidate our loans? It doesn’t feel like the best choice for my credit etc. but it’s almost double the monthly payment if I don’t consolidate.

2) Is there any option lower than $100 per month for both of us that I’m missing? The calculator suggests the Graduated Repayment Plan for lowest monthly cost.

3) I haven’t gotten any direct contact or guidance from the Feds, and they seem generally incompetent. Is making the minimum payment by consolidation my best option? It feels like they’re going to change the rules as soon as I start to follow them, so I’m hesitant to make a choice.

I hate all of this and regret getting a STEM degree during this hell, which seems like the goal of this garbage administration.