Upload & Sell: Off
I think the problem stems from this:
Our agreed upon compensation with the magazine is that the publisher gives my photography business full photo credit and free advertising.
Unless your bank takes photo credit as payment for a mortgage, or your car payment, or heck, if McDonald's takes it in payment for a Big Mac, this is a non-sustainable situation for you. The publication gets something for free. You get, in essence, nothing. Or do you have a magic way to turn that photo credit into guaranteed dollars?