Don't bother trying to be a PA. Do at least a year of residency.
I personally agree with the state medical boards in that a year of training after medical school should be the minimum. You learn so much in this first year of residency in terms of the practicalities of clinical medicine, how to practice autonomously, etc.
Think about the practicalities:
Pay: you make 35-40K, which sucks, but you get full benefits and a month of paid vacation, and it's certainly enough to live on. You also get an education, which is necessary.
Loans: If you have a large amount of debt, you qualify for an Economic Hardship deferrement, which means you pay nothing and you don't even pay interest on your subsidized loans.
Skills: Amazing growth in the first year.
Marketability: You won't be able to get a license without at least a year or residency, but even if you figure out a scam do to so, no one would hire you.
Do FP, EM, or primary care Internal medicine to get the broadest clinical experience. I know you're feeling the weight of your loans (we all do), but think of residency as an investment in your career.
BTW, a transitional year is one of the most competative prelim spots to get. Not just any chump can get a spot - you're competing with future radiologists, dermatologists and the like.