Any way to avoid a much higher payment because of my abnormal 2025 income?

To make a long story short, I inherited and took a lump sum distribution of an ESOP account in December 2025. Because of that, my 2025 income was $30k higher than what I will make in 2026 (or basically any year until about 2055). I'm currently on SAVE but I know that I will have to leave the plan before the end of the year. As far as I understand it, if I move over to any income-based repayment plan, it's going to use my 2025 income to calculate my payment, and that basically guarantees I'm going to get a payment I can't afford, since my 2025 tax return makes it look like I earn almost $3k more per month than I actually do. Is there any way to avoid this or am I just screwed for October 2026 through January 2027 until I file my 2026 taxes and get my income readjusted?