u/Independent_Donut347

I have a quick question. On track for PSLF 103/120 qualified. Got an email about income recertification, offered me two options (IBR $772/month) and (ICR $1494/month). I am ICR now; paid around 800. Should I switch? If the IBR were lower, when would my union instruct me to sign up for ICR in 2021, when it consolidated all my loans with the provision provided by Biden? I am very confused and spooked. On the website, it said both IBR and ICR are qualified for PLSF.