There is a way to discourage someone like that

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A lot of companies want people with experience and there are very few companies out there who will hire newbies, but they are out there. You have the terminology experience and you have the transcription experience, you just have to hit that right person on that right day who decides that you're worth taking a chance on . . . . . . or that they're desperate.

Right now may not be the best time to do it though, because of the economy.  I have seen lots of comments on these boards that people are sending in resumes everywhere and not getting any kind of response, so I think the recruiters are overwhelmed right now. 

If/when you do find a job, be prepared to not make much your first year.  The companies that hire newbies tend to do so at a very low line rate.  I sort of viewed it as what I needed to do to get that first year on the resume.

If you're serious about wanting to do this, send your resume to every recruiter out there.  When I was first looking if they said they wanted two years of experience or less I sent them a resume.  Most of them said no, but there was that one that said yes.

Good luck.

just to be with your baby is the wrong reason to get into this career field.  If you want to be a stay at home Mom, be a stay at home Mom.  If you need to work, you need to get into a field that interests and challenges you.  Otherwise, you'll find it difficult to sit down and make yourself do the work.  The ads are overwhelming about making big bucks doing MT while your children play quietly at your feet, but that is far from reality.  There are other work at home jobs you can do that don't paying for an education, like selling yard sale fodder on eBay.  I don't mean this as a slam, but I've BTDT with the babies at home while trying to work.

You should be good with grammar and English, have an interest in the medical field and a good ear, and be able to sit for long periods of time.  You might have to put your child in daycare if your first job is inhouse, because most companies don't hire newbies to work at home.  You might have to use daycare anyway if your child is demanding on your attention at every moment.