still in undergrad – should I start paying my loans?

Hi everyone!

Question in title, just wondering since loans are starting to accrue interest now. My highest interest rates are 4.7%, the rest are under 4%, which is how much I earn in my HYSA.

Also heard about Biden’s new SAVE plan, is this something I can sign up for still in undergrad? Planning to go to grad school, but for a PhD in STEM so it won’t cost me anything.

Thanks in advance!