10 bucks the real cause is your NIC and not the system load. ;-)
Realtek is just bad and combined with PPPoE it's even more worse.
Are you running the driver shipped with FreeBSD/pfSense? You could try with this one then https://forum.netgate.com/topic/135850/official-realtek-driver-binary-1-95-for-2-4-4-release
Or try with Intel NIC if possible.
-Rico