It's my understanding that you can defer, or use a forbearance, (I don't remember) during residency. However....what it really comes down to is how much you want to spend vs how badly you want those loans paid off........and how much money you want to throw out the window in interest.
As medical students who may 'do without' for so long...it's tempting to go splurge on a car or new house for the family. However, using that down payment for the house could significantly knock out at least part of a student loan...and you are now interest free on what you paid. Whereas, if you buy that new house, not only did you not pay any loans and have interest to still pay on that....you now ALSO have a larger house payment with the interest on that, too. Which, if you have no problem with that...it's great. If you can just stand to live frugally for the first few years after you begin making significant cash...and apply most of it towards loans, not only may you feel a little less stressed about how much you owe....you will be able to, perhaps, even buy a better house or car when you decide to do so.
That's the 'ideal'...however, most of us don't live by that. It's completely up to you on how you want to handle the finances. However, you may want to sit down with an advisor when the time comes to seriously calculate all the interest you are paying by paying your loans off in 10,20,and 30 years. I think when you see the figures, it will astound you.
For example, we were going to consolidate my undergrad loans and go with the 25 year plan instead of the 10 year, high payment plan. Well, the payments were a ton cheaper, but guess how much EXTRA interest would have been tacked on if I'd waited the entire 25 years to pay...this is on about 38,000 in loans....it would have been and EXTRA 50,000 bucks in interest alone vs if I just keep it on the 10 year plan. Needless to say, we kept it where it was.
There are tons of people out there who can sit down with you and help you figure all this out....and factor in how you can buy a new house, car, etc if you choose to do so. Many docs are still paying on their loans 25 years after school, and that's fine if they are okay with that. However, some docs pay off their loans in less than 10 years and just live simply to get rid of the debt. It's up to you and your comfort level.