Unless your parents are wealthy or you get scholarships then yes, this is fairly typical. Probably half of most med school classes would fall into that category. There's no way I could repay my loans if I was unable to finish any of residency (finishing even just internship and getting an unrestricted license gives you a few, albeit limited/lower-paying, options).
Unless I got a high paying job in finance, but my life would be pretty miserable--I'd rather go teach high school or be a park ranger and just pay 10-15% of my AGI for 20-25 years, then likely be forced to declare bankruptcy when the IRS taxes me on all the forgiven loan amount that I'd never be able to afford.