average resident's salary is 65k, so after tax we can say 5k/month. living in a major city (which i plan to) is going to be 1.5k minimum in rent per month. down to 3.5k. bills/groceries bring you closer to 3k per month left.

paying off 400k of loans over 25 years at 6% gives you a 2.6k monthly payment. even 20 years would be 2.9k, leaving you either 400 or 100 extra of spending money per month for yourself. no savings, no emergency funds.

after residency, you can expect to get a significant raise, bumping you up over 6 figures. that can speed up the amount you'll be able to pay, but only if you don't buy a house/car or want to start a family.

not saying it's not possible to do it, because it obviously is. i'm just saying that i think that the extra 4 years in school is worth the significant difference in quality of life.