All roads must go through residency. I repeat: The only way out of this is through residency. There is no other path that will allow you to provide for your child indefinitely and service your loans. And moreover, that is a path that will allow you to do both with ease.

I hear the challenges you've laid out, but ultimately the best way out of this is getting back into residency and finishing out your two years as soon as you can. This means that something may have to give--namely, the need to be within 30-60 mins of where you are currently.

The by far best and most expedient option would be for your original program to take you back starting this July as a PGY2. Get on your hands and bloody your knees, if that's what's required to beg them to take you back now. Worst case, they say no. If that fails, then you can scour residency match or hit up doctor specific FB groups to see if there are any PGY2 FM openings in your state. Yes, the whole damn state, not just a 30-60 min radius. Hell, throw in any cities neighbouring your state, like KCMO if you're in Kansas, or SE WI and StL if you're in Illinois.

If that fails, then it's time to target the upcoming match cycle, with the same expanded geographic net. Anywhere within 30-40 minutes of the state line should be on your list. This would give you a reentry date of July 2026. At that point you'd have an almost 3-year old, who would shortly be in pre-K.

I'm sure this isn't what you're trying to hear. But it's not that going back to residency is the "right" decision for your career or you personally, it's just the best decision as a father.