The other caveat to private loans is that they rarely include things like grace periods and forbearance options that the government loans allow.
My own situation would have been impossible to exist without the chance to put my loans on forbearance, after refinancing and choosing an extended graduated payment plan, my monthly payments would have been ~25% of my PGY-6 monthly net income. Obviously had I spent 6 years paying down the loans before they had the chance to accrue ~ 40k in interest, then yes, my monthly payments would have been lower, but given the salary I earned as an intern, the % of monthly income would have likely been very similar.
Artloverplus, I’m going to send you a private message with more details about payment post graduation.