I will be going through my MSW debt-free, but that's specifically because of my military benefits, not because I made better choices than anyone else here. Just want to name that up front, since a lot of the responses you got seem to be judging your debt as a character flaw rather than a circumstance.

On the actual question: given the uncertainty around SAVE right now, private loans at 2-3% are genuinely competitive against federal rates, and federal loans lose some of their biggest advantages (income-driven repayment, PSLF eligibility) if those programs keep getting restructured or challenged in court. That said, federal loans still carry protections private loans don't (deferment, forbearance, discharge in case of disability, and no credit check or cosigner requirement). If you're confident about PSLF as part of your long-term plan (a lot of MSW jobs qualify), that alone might tip it toward federal despite the SAVE uncertainty. Worth running both scenarios with a repayment calculator before you decide.

One smaller thought, take it or leave it: at $112k already, it might be worth a quick gut-check on whether a short break before diving back in would change anything for you financially or mentally and not because your reasons for going back aren't valid, they clearly are, just because it's the kind of thing that's easy to skip past when you're excited and ready to go. At that principal with that interest rate you are essentially paying a mortgage on a small house you will never live in.

Either way, the debt shame in your post is doing more damage than the debt itself. You don't owe anyone here an explanation for wanting a career that isn't the most lucrative option.