When I have down time (ie, it's late, can't find a good SY2 run, bored), I just do a quick 5 minute run on a newly created toon slot (or 4). With the daily elixir, a new toon can easily get to about halfway through L4 going solo in Dynastar Welcome Center. If it can get into runs with a red threat level, it can get to L5 within the 5 minute elixir. If straight solo, it only takes ~25 kills on the next day's daily elixir to get to L5. Be sure to take that first quest as well for more creds. So, in about 7 minutes time, you have a throwaway toon which will have about 70-110 in creds (after liquidation) + 25/25 stims to stash.
Do that every couple days on 4 toons and you're doing 280-440 creds + 100/100 stims each cycle (~30 minutes). I'm not sure how that compares with the OP's method, but I really like not having to buy stims
For the above method, I just leave auto-level on since it wastes time to allocate attribute/skill points. I can do any of the three classes with roughly same efficiency, but I tend to go with comm since the splash damage and stomp help quite a bit.
A couple cons to this method is you aren't racking up kills in SY and that you need another toon slot.
A pro is you don't have to wait til L29/30 to do this.
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