General forbearance question – long way to go on PLSF but Old IBR payments are really unmanageable right now. What counts against the 3 year forbearance max?

I’m part if the fun SAVE crew waiting for notice from Mohela after July 1 to apply for a new plan. My only loans are from law school 2006-2009 so I only qualify for old IBR. The 15% of discretionary income is a really tough payment, even on just my state employee salary. My husband and I filed married filing separately for 2025 due to the impending changes. By doing so, our refund was only $1k; if we had filed jointly, it would have been $10k. So, now I’m debating requesting a year of forbearance to get into a better financial place – by 2027, we will have both cars paid off and some other debts finally paid – even though I would like to start getting PSLF credit again (just started with state in 2023 so have a long way to go). But, if I get a forbearance, we could amend our 2025 taxes and get the better return and I could ear mark that money for payments resuming in 2027. Question on the 3 year forbearance max though – do they count any forbearance going back to when the loans went into repayment (2010) or only since I consolidated all of my loans in 2017? What exactly gets counted against the 3 years and what type of forbearance? Any insight is appreciated!