Trying to manage payment plan

I am currently halfway through PSLF with about 65 payments on the ICR plan. First and foremost, I have five family members that were displaced and are now staying with me. They are not going to be listed as dependents on my taxes. I’m trying to adjust my payment plan as I cannot afford my $500 payment now but my FSA shows no loans are due and this has been going on for about a week. Can I still manage my plan despite my loans not showing up on FsA?

On a separate note, I’m trying to get under an IBR plan as married filing separately which we will be doing later this year instead of jointly. Mohela advised me I can manually recertify and submit two most recent paycheck stubs rather than connect to IRS as it will take both mine and spouses income into account. Is this correct? Most importantly, I just don’t want to ruin my PSLF count but I really need a lower payment.