Need help understanding and choosing new plan

Sorry, I know this sub is filled right now with people looking for advice on this! I’ve tried reading up on it, but I think my anxiety is making it even harder to make sense of everything.

AGI: ~$43.8k (idk if it matters but I pay ~$780/year for health insurance)

Loan Total Balance: ~$36k

Principal: ~$33.4k

Interest: ~$2.6k

Interest Rates: 3.76% – 5.05%

6 loans are unsubsidized and one is subsidized. If it matters, my servicer is Aidvantage.

My loans went into repayment in 2018, I applied to be put on an IDR plan (either REPAYE or PAYE) in 2020 since I had been on forbearance and the payments after it were far too high for me to afford, and then moved onto the SAVE plan in 2024. My payments have been $0 in recent years, either because of forbearance or due to low income.

I’m very stressed out because I’m trying to move into a new place in a few months and have been tackling my credit card debt (which I’ve made a ton of progress with) and my final Sallie Mae loans, and I was just barely going to be able to reasonably afford moving when the SAVE plan dying threw me for a loop. I’m very torn on how to proceed with a new repayment plan because my new monthly payment will absolutely determine whether I can afford a new place or will have to find a new roommate or move back in with my parents, and I have a very rocky timeline for having to move that could change at any time. If I could start making these new payments in like 1-2 years, I’d honestly be in a much better place financially and could definitely afford them, so the timing just absolutely sucks. I also just don’t really understand how to truly estimate what my payment would be with any of the available plans, especially RAP, because there’s a huge difference between 1%, 5%, and 10% of my income, so it feels so uncertain.

Literally any help would be amazing, I just feel so lost and anxious, as I know a lot of people are.