While I don't have the exact answer to your question, I do know that a bank will never hand out money like nobody's business. I am under the impression that for you to receive a loan from the bank in the order of $130K, you would need to have some sort of collateral, especially considering that as a medical student, your debt will grow for at least four years before you can even begin working, let alone paying it off. And then you also have to consider that on top of a loan from a bank (which carries with it interest and other associated fees), you have HECS for your undergraduate as well as FEE-HELP for the remainder of the MD. While HECS and FEE-HELP obligations should not impede your ability to gain a line of credit from a bank, you should be careful with committing yourself to exorbitant debts.
I for one am not even putting FFP down simply because I refuse to accept it as a viable way to train any type of professional, especially physicians. Everything should come down to merit: either you are good enough to get in with your grades or not. It should not come down to having old money or what have you.
Sorry to rant, but this is a systematic failure of the government at the highest of levels in failing to provide adequate funding for a health system that is so clearly and so desperately required for society to function properly. Same goes for education in general.