pumpkinlantern, I recommend attacking the 3% 55k loan first; Do it agressive style;
your travel expenses are really high, $8000 a year comes out to $666 a month; How about staying home and putting that $666 a month towards your student loans? You can use the $1300 that would have went to a buy a new computer to get you at least 2 trips home a year; $1300 a year is a lot for computers (who are you trying to make rich you or the apple shareholders); I spend $500 on a laptop every 4-5 years; tell your parents to get a part time job delivering pizzas in the evenings to pay for plane tickets if they want to visit you more than that;
also stop eating out and bring in a coffee to work; get ground coffee from a warehouse club cheap; for gifts, offer something hand made or some type of favor, i.e. offer to help them clean up one weekend; this will be free up another ($130 + $100 =) $230 towards student loan repayment;
if you throw all this extra money every month towards your student loans, your interests costs will soon drop, i.e. you could probably soon get this cost down to $120 a month, this in turn frees up another $40 to throw at the student loan for aggressive repayment; Drop the internet and just use it at the library or at work if occasionally; This will seem hard at first, but then hedonic adaption will kick in and you will soon get used it to like its nothing (its on the blog, please read about it);
So total here we have come up with an extra ($666 + $230 + $40 + $30 =) $966 that could go to pay them off; at this rate, in the first year, $966 * 12 = $11,592; If you throw in the extra 10k you saved before these cost cutting measures, you have about 21.5k paid off; after the first year. the interest costs will probably drop to about $80 a month (due to all the extra payments you are making on the loan), thus giving you $1006 a month * 12 + 10,000k = 22,072 additional that you can pay off. So in the fist 2 years, we have taken that 55k loan a mere 11k. That third year, the loan will be gone quickly. Then, this frees up more money to attack the other one. Soon in about 5 to 5.5 years you could have all the debts gone before you even start making 250k; that would be a nice graduation gift to give yourself;
also after a year or two, at this point, could then be able to find cheaper housing? If you can free up some of this rent money, you could have the loans gone after 5 years instead of 5.5 years; this will give you more options once you are a doctor, i.e. you will not be forced to work for money to make payments on your loans like most new doctors have to; just think by doing simple things like using a computer at the library and bringing in your own coffee and not eating out, you start achieving dreams rather than be worrying about loans in your career; also we did not even discuss clothing yet so there's even more money to draw from there;
I recommend just getting rid of the debts first before investing. This is what we did and I don't regret it at all. I am not a doctor but I did pay off both mine and my wife's student loans before we invested or got a house. We did this by living like we were still in college even though I was making a lot more money in my job. You can make up for retirement once you start making 250k. Paying off student loans is just as important as retirement because student loans cannot be discharged in bankruptcy. You have them for life. So its best to kill them ASAP while you are making a healthy salary.
I know someone will reply to this post saying that the student loan interest rate is only 3% while you could make 8% in stocks or in a retirement account, that my advice is bad. First of all to such a person, congratulations, you get the economic noble prize for figuring out that 8 > 3; Please keep in mind, that there is a comfort and emotional aspect to this that is hard to explain unless you actually live it; In my opinion, paying off the student loan is an emotional and energetic lift that no amount of retirement money could ever make up for. Its like being free again. The MMM blog and mustachianism not about who can build the largest possible retirement account, instead it is about choices and about living life on your terms; thus, you get to live life the way you want if you follow this game plan outlined here; is it a question of whether you want to come out of residency debt free or not; debt free people can do things that people people with debt can't; its really that simple.