Leukocyte, I may have missed what your first specialty was... but I think you have plenty of options to moonlight outside residency in your position where you have a state license as long as your comfortable working in that environment. The credentialing process is going to exist no matter what facility you want to work at, but Urgent care should be easy, even working in some low volume or VA ED's if you are comfortable in that environment. The VA only requires a single state license and doesn't see trauma for the most part, and you are protected from being sued since it's a federal institution, so if you feel comfortable working in the ED in an environment where you are more likely to see medical emergencies, then that's a good option. Most VA jobs pay less than private hospital ER's, but I think it's about $120/hr on average. You might look into it. Urgent Care should be easy and you should definitely look into that. Either option would supplement your income substantially if your residency will allow it and you have the time to spare.
I was really in a financial bind myself but was a foreign grad unfortunately in a state that required 3 years of post graduate training before I could get a permanent state license, so I had to look for opportunities outside of the state in ones that only required 2 yrs training when I was finishing PGY2. I finally found one relatively close by and moonlighted for a year out of state in a couple ED's. It was a pain but definitely helped out from a financial perspective. I'm glad that I don't have to go out of state any more, but I feel your pain. You might try some national or regional staffing firms that staff small ED's and also Urgent care clinics. Tell them the type of environment that you're looking for and let them do the grunt work in finding you a place. That way you only have to credential once through them, and then they can help you out in credentialing at whatever facility you want to moonlight at. If there's travel involved, they can set all of that up for you. In my case, all I had to do was show up at the local airport, they had my ticket, I flew in, they had my car, I hopped in and drove to work, stayed at the hotel they paid for and then flew out when I was done with my shifts. The travel was a pain but they made it as painless as possible.