Defacto IBR or ICR on PLUS loan?

Here’s a thought I’d like to bounce off folks to see if I’m thinking correctly. I have about $200k in PLUS debt. That puts interest alone at about $1,317 per month. I’m not entirely clear on how much my pay can be garnished, 15% or 25%, though it looks like 25%. Anyway, defaulting means that I would, in fact, go onto a sort of ICR/IBR payment arrangement since my payment is limited by pay, regardless of what I owe.

It appears that if the most that can be garnished is 15%, I need to earn $8,780 per month more than the amount that I can earn free of garnishment for it to make sense to not default and if the most is 25%, then my monthly income would need to be $5,268 more than the amount that can be earned free of garnishment for it to make sense to continue to make payments and not default.

Assets aren't titled to me. I appear to still be eligible for forbearance for a couple of more years, could go to school at least half-time for a couple of years, etc.

Am I missing anything? It seems that on one hand I have a problem but on the other hand the folks I owe money to have a far bigger problem.