I currently owe $66,000 (Still have not made a payment and out of school since 5 years)

I have not qualified for any jobs under my undergrad so I am staying home with my 5 kids. My husband makes decent money, but after applying I have been on IBR $0 for 4 years and after checking would be for another 3+

My plan, Pay off my two smallest loans (with my husbands permission since I do not work) combined $1700 and then SAVE SAVE SAVE and make the minimum payments for the remaining years on my term. If I get hit with a tax bill, we will more than likely have the funds to cover it. My highest payment will be $262 after some of my kids exit the house. Anyones thoughts on this?

Another plan I had was to pay those 2 small loans, Save Save Save then start with one loan at a time when I start paying. Or can I not do that once my payment begins? Do they disperse how they want to or can I chose how to disperse it?

Also, if I stayed on $0 forever, my loan would increase to 170,000 by forgiveness. So I am assuming that when I start making payments and tackle those two little loans it wouldn’t be that high. About 4,000 slaps on at the end of the year, but I have read that unless I default or change plans, the interest does not capitalize.

Please help this anxious/OCD/worrywart.
I do not regret going to school, even if I can’t find a job in Medical Billing ( I hope to work pastime someday), but I hate this interest. It’s robbery :(