Just my outlook on it I don't drive flatbed, so not real sure about that part of it I do know it is better money specially at TMC. I drive for swift, I am single and do not have any debts. I stay with friends when I am home. I have a friend that also drives for swift and makes 15.00 an hour, and is home every night. He grosses more than I can make on the CPM that is even driving 3000+. And he is home every night with his family.
Also the cost of living on the road to start is just unbelievable. Alot of people don't think of road expenses when you are away from home. And until you know how to budget yourself out here alot of your money is going to go towards expenses out here. I feel in your situation, taking on any OTR trucking would put you in the hole more than what you are in now.
Don't get me wrong it is a great job, but I do it because I want to. I have always wanted to see the USA and what better way to do it for free