I am in a similar situation as you Taylor. I wish I could have told my younger self to have spent only three years in undergraduate before applying to grad school, that would have shaved a good $50K off the bill for me.
I have chosen to work in the private sector as well, since technically the longer I work, the more money I can make as time goes on. The more procedures I do, the better and quicker I get at them. The more patients I see that like me as a doctor, the bigger my patient family gets. I still am tempted to find a public health job (for the loan repayment as well as being able to provide care for patients in at-risk populations without worrying about my bottom line) but I am doing OK for now. At the moment, my focus is just on amassing as much money as I can and throwing it at my student loans while living as simply as I can.
I did a couple tricks with my student loans through my Dad, including utilizing a home equity loan to lower the interest rate and loaning some money from him to pay off some of my student loans. If I did not have his help (and I make sure to thank him weekly for it) I would have gone with the IBR, or gone to practice in a rural area where I would qualify for loan repayment as well as be the only provider (double whammy - one of my classmates apparently is making $200K annually) Some of my classmates have also taken positions with the Indian Health Services, and with the military to pay off their student loans in a very short amount of time (4 years, I believe).