So basically it's everyone else's fault--parents, advisors, etc--for you doing what you did. You're clearly academically smart, but having "poor and uneducated parents" doesn't confer lack of responsibility. This is not a "pull yourself up by your bootstraps" GOP perspective (I'm a moderate democrat/independent)--there are AMPLE people that grow up with poor and uneducated parents that still don't amass $630k of debt. Dave Ramsey would sh** himself.
(FYI I'm not talking about those plans in medical school, I'm talking about them in residency, when you had a mid-5 figure income.)
Listen, you can make excuses all day long, and I can sit here and deride you for many of them, but bottom line you need to take a different approach to life and finances than you have in the past, or you're going to be one of those broke azz physicians that's going to wake up and realize when he/she is 55 yrs old that you can't retire for another 20 years, and you've been taken advantage of your whole life financially. If you don't care, and just want to go through life taking bad advice or not owning decisions, nvm just keep on the same track.
You need a plan, advice from a financial planner and ideally have a mentor in the field/medicine (even if it's anonymous WCI forum stuff) that can convince you to change course.