Applying for a New Payment Program

[kcguy74]

I currently have the Revised Pay As You Earn Repayment Plan (REPAYE) through Aidvantage (formerly Navient). Are there any downfalls/disadvantages to applying for a different payment program (to reduce monthly payments) right now (before filing 2022 taxes that show a higher income amount)? Could this affect any sort of forgiveness in the future?  Will this affect my interest rate at all?

[donkort]

If you can get into PAYE, you can have your loans forgiven in 20 years.

With REPAYE, it's 25 years.