$200/300. Everyone uses income based repayment plans. It's literally impossible to make standard payment plan monthly payments on a residents salary (assuming a average debt).

Those payments don't even reach the principle though, so it's more just kicking the can down the road.

If you're going to include long term assets then you need to include the rest of the career too. That's the way residents actually look at the problem, after all. "Doctors" do well. Residents struggle a bit in comparison, but not really that much relative to their other post-graduate-degree compatriots.