Although this is kind of standard (~$4-5k increase per year), it's been a major factor dragging AZCOM down. No one is really happy about it and it should play a factor on whether or not you want to come here.
That said, think hard about the years ahead and be smart about spending. I think it is insane that students are getting married during these years and even worse having children, even if there is an extra source of income. If you already have these costs, do what you can, but try your best to live way below your means for a few years and it'll be paid off before you know it.
For example, I have no couch, TV, dresser or table (beyond my desk of course) in my studio. I also have no plan on getting anything of the sort in the next 7 years. I don't need it and will not need it in residency either. I still laugh when I have a friend or classmate come over to see the vast emptiness of my place
EDIT - I'd like to add that even though a lot of it is kind of a drop in the bucket in terms of cost, it's more about the mentality. I don't need new gadgets (ex. iPad) or furniture. I don't need to buy or even rent a house anytime in the next 10 years. I can live like a poor student even as an attending with no problem and I think this is what you need to get used to if you hope to pay off the debt in 3 years or so.