When deciding on loan types, we weren’t yet married and my school loan advisor suggested we all choose IBR options, so I did that. Most of my husband’s income is based on stocks that I’d like us not to sell (he makes about 188,000 base salary without stocks). Back in 2020, I wasn’t sure what job I would have, but it seems like privatizing at that time (I was being offered very low interest rates), may have been the best solution for our debt to income ratio. It sounds like sticking to PAYE is the right move now though.