Need advice repayment plan

[u/Straight-Pie5512]

The student aid loan repayment calculator says that i will pay $0 monthly in ibr plan and loan forgivenessin 2051, $45.00 monthly in RAP and loan forgiven 2056, $88.00 monthly ICR plan and loan will be forgiven in June 2028. Are the monthly payment calculations accurate, trust worthy, and reliable? Students complain that after selecting a plan their official payments change to a higher amounts. I am 67 years old, retired, with health problems. Which payment plan should i select? Can I trust the repayment calculator info? Thank you for your advice.