All Repayment Plan Options Say $0/mo

I qualify for IBR, ICR, and PAYE. I'm currently on the ICR Plan, and I'm 90% sure I chose it last year because it was my cheapest option, and I did not switch from or to it when I first applied for IDR in 2023.

Should I switch plans? Are there any pros/cons to switching plans? I have 2 loans, one I have paid off all the interest (not including what accrues each month) but have a lot or interest on my 2nd loan. The IBR interest capitalization stuff concerns me, but if I were to jump to that plan and remain on that plan and not switch again, it shouldnt be a problem I assume? I read somewhere that only the IBR plan is codified into law for full forgiveness after a set number of years and the others are not, is that true?

I got married this year and my wife has no student loans, if that makes a difference. I do not make a lot of money (like maybe 25k before taxes) but my wife makes about 88k before taxes.

I've been trying to read up the differences and keep getting mixed up. They're all similar with just the slightest differences, and the $0 per month is only contributing to my choice paralysis. Any insight or advice would be helpful, thank you.