Are my direct consolidated student loans pre-2014 or post 2014?

I have been taking out student loans from 1997 through 2020 and consistently paying them down. I have 2 bachelor's degrees and attempted on a master's degree in 2010 but due to some family drama I was unable to finish. In 2004 I consolidated my loans and then again in 2021. I have both unsubsidized and subsidized direct consolidated student loans totally about 54k with interest. I recently checked the backdoor method and it looks like I have 272 credits towards forgiveness and I'm missing only 28 credits. I don't qualify for PSLF.

My accountant (out of all years) forgot I've been filing taxes separately for years from my husband and decides it was the year to file jointly. Today, I was in the process of switching over from my current SAVE plan to IBR when I had a thought…would my IBR plan terms reflect pre 2014 or post 2014? I know that with pre-2014 it would be according to 15% of my discretionary income but I'd also have a payment cap of roughly 570 a month regardless of my filing status and income. However, for post 2014, it's only 10% of my discretionary income with no payment cap. My question is should I wait to file my 2025 taxes and file MFS or do I not have to worry because my loans go back to pre 2014 and that payment cap? If its pre my payment is roughly 570 a month but if it's post it's close to 1,550 due to my 2024 filing status.

I'm literally dying to just be finished with these student loans but I can't afford 1,550 a month! Please help.