Standard Repayment plan

I owe about 33k in student loans and make about 53k per year atm moment. I’m in a position where I believe that may increase (you can never be certain but I feel good about it). I have a car note that is about $217 a month but I believe I can go all in to pay off the remaining balance, which would give me some wiggle room.

I called my servicer and they said my monthly would be about $373 over the life of the loan 9-10 years. I would be paying an extra $156.

Are there any reasons why someone would not choose this repayment option?

Please not hate. I’m stressed enough as it is.