Payment Calculator. Sound Right?

Hello, I am prepping to move off SAVE and I’m trying to decide what plan I should choose (definitely waiting until the last minute to move).

I have two loans.

1. $3k at 2.75%

2. $5k at 3.75%

The student loan calculator suggests I use the standard repayment plan at around $80 per month. That’s fine with me but my save bill is like $135 which makes so sense?

Thanks!