Yea, I only take out what I absolutely need because taking out more = extra years on repayment or higher monthly bill. The business side of medicine is a beast a lot of us new students are not prepared for. I'm just trying to get a head start because I keep hearing these horror stories about student loan debt. I may want to go into private practice someday so I need to keep an eye out for my finances and learn how to add.
Sorry those websites were of no help. Maybe you should look into other areas of your life where some possible tax credits could be hiding and use that money to pay off your loans quicker. Find out what you can write off as business tax exemptions or donations you make to a charity (you can get a receipt from them even if you just donate old clothes). Save all your receipts for EVERYTHING because you never know what you can write off.. and that's extra money that stays in your pocket. Goodluck.