Hi DO2007 (ER) and femdoc. Hopefully these answers to your questions can help.
The on-campus apartments are small, with one larger room for kitchen/dining/living area, and a bedroom that is big enough for a queen-sized bed, a dresser, and maybe a bookshelf or two. They are unfurnished, with fridge and small oven, but no dishwasher. There is a washer and dryer for every 8 apartments, and I've never had a problem using it when I needed to. The best part is that the bathtub is larger than in any other place I've lived; it's large enough to take a nice soak after a day of exams.
For the white coat ceremony, family and significant others are very much encouraged to come.
As far as loans, I would recommend taking out the maximum allotted to you by the financial aid office. If you don't use all of it, you can take out less next year. Unless you have another income source, like parents or a spouse, you will probably need the full amount, unfortunately!
For femdoc, our class is of course predominantly white, but there are significant amounts of people who are Asian and Indian, a few Latinos/Hispanics, and very few African-Americans. I don't know of any Native Americans. However, most of these people are all American, and there are only a couple that grew up in other countries. There is an even mix of male and female. As far as age, most people in my class are 23-28. There are probably 10 or 15 that are older. There is a significant amount of people (male and female) who are married, engaged, or seriously attached. There's a few students with children.
I hope this information helps! Let me know if I can answer any other questions for you. 🙂