Try the seasonal races (they are harder than Aspec but still winnable) and the special events for lots of XP and Credits. I think you can only get paid once with them though, but it's worth it.
When you get a bit further on (level 21 or 22ish)...
The 5 lap indi race in expert gives you 117K and 4400XP in less than 5 minutes. Grind that for a while and you'll make money reasonably quickly. The Indi 500 endurance race gets you lots of XP but comparitively little Credits (and it takes 2hr, 15-20min).
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