Confusing Repayment Schedule

Wondering if anyone can help me make sense of this payment schedule from EdFinancial.

Little background info:

Principal balance: $148k

Unpaid interest: $37k

Total balance: $185k

Graduated from law school in 2020 and paid off 2 smaller loans totaling ~$8k during SAVE forbearance/no interest but made no other payments over the last 6ish years.

Used the Department of ED calculators and based upon my income (re-certified before filing 2025 taxes so AGI would be much lower) it said my payments would be ~$415/month. Was on REPAYE and switched to PAYE until RAP until starts in July.

Got this repayment schedule from edfinancial today.

$0.00 for 3 payment starting 6/4/26

$1,830.04 for 113 payments starting 9/4/26

$1,812.07 for 11 payments starting 1/4/38

$1,680.73 for 1 payment starting 12/4/38

$1,551.99 for 3 payments starting 1/4/39

$1,318.30 for 2 payments starting 4/4/39

$1,063.48 for 7 payments starting 6/4/39

$543.22 for 1 final payment 1/4/40

Total to be repaid: $286,865.53

It also says repayment began 1/5/19 but I was still in school?

Re-certified and picked IDR plan based upon 2024 income ($72k). Could they have based this off my 2025 income even though my return is still processing? 2025 AGI was $105k but the payments seem high even for that income.