Low AGI due to tax-free income and MFJ for Rap

Hello!
My partner and I (28 yo) getting married this year and am unsure about joining RAP or standard plan with MFJ or MFS in order to catch up on my retirements.

Me
Income: AGI last year ~48k (significant non-taxed living stipends extra due to travel position)
Student loans: ~73k at 4.4% (lump sum paid 85k to high interest loans when interest started accruing last year on SAVE and have been paying interest only the past few months trying to figure this out). Loans have only been in SAVE since grad school 3 years ago
Retirement: 20k -on track to max out 401k and Roth IRA this year

Partner
Income: AGI ~95k
Student loans: ~25k average 6% interest currently doing the standard plan with aggressive loan payoff
Retirement: 24k -emp match and max Roth IRA this year

I plan to do my travel job the rest of this year and then transition into a job where I will likely get ~80k AGI. Partner will likely be ~98k AGI.

I have never filed MFJ as I’m not married yet. Calculators say we could get 17k back on standard deduction for 2026? Does this sound right? We currently are single filers no dependents.

According to RAP calculator MFS payment for myself: $160 ; MFJ for myself: $950 ; standard for myself: $750. I can technically afford any of these payments but want to make to best decision for prioritizing retirement.

I was originally going to do MFS for 2026 taxes for the low payment so I could prioritize investing as I feel SO behind but do not want to miss out on a significant refund/reduction in taxes with MFJ if I’m missing something? I’ve heard you cannot change off the RAP plan once you join. I should not have a significant increase in salary past 80k due to the types of profession I’m in.
My main question is would the lower payment on RAP MFS offset the possible tax refund with MFJ?

My brain hurts trying to figure out the best financial move. Thanks for reading this far