My plan for payoff, need advice

Hi all! I posted last week related to the save plan ending for me. I have an extreme stress related to this because my husband and I filed together, he makes about 105,000 per year and I make around 87,000 per year. The estimated monthly payments for IBR is around 1100 per month starting in august. I owe around 123,000 for my grad school program and undergrad. My husband has no student loans which is why I think it makes sense to file separately because it is all my debt. I plan to do pslf since I work for a non for profit and will always for my career. I want to basically file separately next year for 2027 to get a lower monthly payments (we would owe too much this year because of getting a refund, I checked). I have 2 kids still in daycare and I cannot pay for both daycare & student loans . So basically try to do forebearance for the rest of the year until next time taxes come out & then see if my monthly payments will go down then start paying a lower monthly payment hopefully based off my income. ? By then my kids will be out of daycare also. I will then start the 10 year plan and hopefully get it finished by the end of the 10 years as long as we file separately? Does this sound like a good plan? Any issues u think I will run into?