For your budgetary concerns, here is my own experience.
After optometry school I owed about $50000. I attended one of the more expensive private schools in the country. This was the result of 1) no undergrad debt due to full scholarship 2) working 30hr/week during undergrad and investing all of the cash 3) large scholarship in optometry school paying about a third the tuition 4) working 40 hr week during optometry school 5) having kids early so I had food stamps and medicaid throughout school. The debt will be paid off by the end of this year. Disclaimer: I am an asian male under 30 years old. None of the scholarships were due to being black or mexican or female or gay or Navajo or whatever, all of them were fully based on academic merit.
My current rent in a nice one bedroom is about 800 bucks a month, water and internet and electric is less than $150 total, gas about $150 a month, food for the family about $700 (I buy good food, its important) so overall including random unexpected things about $2000 a month for living expenses for a family of 4. My wife doesn't work.
Advice for keeping your debt low: Basically, you need to work more, play less, and buy less stuff. Very simple. Work more, and you have more money to invest. Study harder and you'll get scholarships so school is way cheaper. Get on welfare because if you don't take that money, some obese diabetic dude who needs his fourth bypass surgery and sixth treatment of PRP is gonna use it up in about 2 months, or they'll spend it on one missile to blow up some $4 hut in afganistan. Buy less stuff since none of it will make you happy. For happiness, get a religion, play video games, spend time with your family, and eat sushi buffets (I'm not religious but through oberservation it seems to make a lot of people happy). None of that costs too much money. Buying a ton of shiny crap is ******ed. Stop overpaying for food at Whole Foods, shop at the mexican supermarket. Their food is cheaper and better quality.
As for investing, start a Roth IRA early, starting using the 401k after you graduate. If you wind up working in any self-employed capacity, start a solo 401k or SEP IRA and stick all your money into that.. the cap is much higher than with employed 401k. Use broad index funds preferably from vanguard or fidelity, go read the bogleheads.org forums. Do not play penny stocks, buy whole life insurance, day trade ETFs, or do any of that ******ed ****. Read some good investing books by academics such as Burton Malkiel and the stuff by Fama and French, and Bogle's books.
Do not do income based repayment under the assumption that you'l be waiting for the 25 year loan forgiveness or stretch your repayment period to 30 years unless you have some critical reason to do so. Do some math on excel and you'll see its pretty dumb. You should also realize that they tax all of the forgiven amount as income in the year that it happens, meaning a humongous tax bill somewhere down the line.
The key thing is probably to realize that most of the best things in life aside from sushi buffets are either inexpensive or free. At least don't blow your cash soon after graduating thinking your a "doctor". Hint: everyone's got a Phd or other variety of doctorate now. Nobody DOESNT have one. It's not special, and optometry school is very easy to get into so its not exacrly a mark of intelligence either. Even nurses are doctors now, and so is the chiropractor, the occupational therapist, the unemployed Ph.d in Women's Studies working at starbucks, and everyone else who goes through college and gets some grad school after realizing that undergrad is worthless. Don't think there's a vast gulf separating you from the receptionist.... if that receptionist was to take some easy pre-reqs at the community college, get about a 3.0+ gpa, will easily go to optometry school and be your equal... so its not that special. You should eat the same food she does, and stop bitching about earning only 100k or about having to see some more patients. She works just as hard as you and makes probably 25k a year. At least at my location, I KNOW the reception is working harder than me and so are all the opticians. It's not a bad deal....