I graduated medical school with about $150k in debt and made payments while in residency (rather than going into forbearance), which basically prevented interest from building up. I went into academia (started in August) and get $325k gross (mind you, this is working 6 days/week and a couple of nights until 11pm during the week after a full workday). My wife works and makes about $60-70k. I expect that I'll have my loans paid off in 12-15 months and decided to refinance with a private lender for a lower interest rate. In order to do this, I'm paying more than $8k/month to my loans, continuing to forgo a lot of material pleasures (though my wife and I still want for nothing), and being as smart as possible about spending. I still save about 20% of my income each month in retirement/brokerage accounts and have plenty to go around. I mention those things not to brag but to say that I've made choices with the primary goal of paying off my debt as soon as possible. Sure, it would be nice to work a "normal" work week, indulge in all of the things that I want and have been deferring for a long time, and coast on the IBR-determined repayments. But that means that I'll be in my 40s and still paying off these loans. No thanks. Plenty of my peers are taking that approach, and I wish them all the best, but they are going to be shackled to their debt for the foreseeable future with the expectation that it is going to be forgiven. What happens if it isn't for whatever reason? Oops. Enjoy your financial future for the next several years.
I think making any big financial decisions with an expectation that PSLF is going to be there is a bad, bad idea, and I would advise anyone to make decisions with the assumption that these programs will not be in place. Intentionally making bad financial decisions (forbearing loans endlessly, making minimum payments, taking out ridiculous amounts of loans to go to a "top tier" school when cheaper options are available, etc.) with the expectation that the loans will be forgiven is setting you up for badness. If the program is there and you qualify for it, think of it as a bonus. Any other approach is unwise IMO.
There is a lot of doom and gloom about repaying loans, but the reality is that if you don't go nuts with unnecessary nonsense spending and make paying your debt off a priority - in addition to be willing to work harder than what might be expected - you will be able to pay off your loans. It may take a while, and it may suck to see all of that money disappear each month, but it is doable. The only way you will not be able to pay off your loans is if 1) you have a ridiculous amount of debt, 2) there are unusual circumstances in your life which are expensive, and/or 3) you make dumb choices with your spending.