Help Needed: Switching Loan Plans for PSLF – SAVE vs. IBR/PAYE?

Hi everyone, I need some advice on how to proceed with my student loans and PSLF eligibility. Here's my situation:

I currently have 9 loans under the SAVE plan and 1 grad loan under the LEVEL plan. All of these loans are in deferment while I finish grad school (I graduate in May 2025). My grad loans don’t have a plan yet (except one, weird?), but I plan to enroll them in the IBR plan and waive the grace period so that all my loans enter repayment at the same time in May and start qualifying toward the 120 payments for PSLF.

Here’s my dilemma:

  1. LEVEL Plan: I know this doesn’t qualify for PSLF, so I’ll need to switch it to an IDR plan.
  2. SAVE Plan: Should I keep my SAVE loans as they are or switch them to IBR? If I should switch, when’s the best time to do it—now or right before I graduate?
  3. IBR vs. PAYE: For my undergrad loans, would you recommend PAYE or IBR, and why?

I want to maximize my PSLF benefits and make sure everything qualifies starting from my first payment after graduation. Any insights or advice would be greatly appreciated!

Thanks in advance!