Forgotten password of iPhone 8 Plus and now it’s disabled

Im trying to get access to my old iPhone 8 Plus and have forgotten the password and now it’s disabled. I remember signing out of iCloud and removing all devices from the settings (due to getting a new phone - therefore Find my iphone isn’t allowing me to recover it. Should I go to apple and pay out of pocket for them to factory reset it or is there a way of fixing this?

Thanks for your time and consideration.

[Re-Titled by Moderator]