How do private loans interact with Income-Based Repayment (IBR) plans?

Hey, friends, I’m confused about my loans, I thought they were federal because they’re on an IBR plan. Turns out, they’re commercial loans and aren’t paused like federal ones under Biden’s latest measures. Has anyone dealt with private loans on IBR before? I thought IBR was only for federal loans. Any insights or experiences?

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hallo people, my advise is,Income-Based Repayment (IBR) plans are only available for federal student loans and not offered by private lenders due to the increased risk involved for them.