[Jean-Paul]

You are on the right track. Can you borrow the money to finish your cert?

If you can't afford that one, can you afford any other certs out there just to get you started? You need something if you are going to work professionally. Some liability policies won't cover you if you aren't.

The CSCS is the best, but you don't necessarily have to have it to be successful. I can't sit for it since I didn't graduate from college, but I have managed to make a pretty successful career out of fitness.

I don't recommend my path mind you. Only saying that your abilities will ultimately determine your level of success no matter what a piece of paper says. I know some CSCS's who aren't worth a damn as trainers. Even fewer ACSM trainers are worth a damn (flawed philosophy).

It sure as hell doesn't hurt, and if you ever want to get published that is the best one to have. Do what you can to raise the money to take the test. Make it an important goal. If it's impossible, don't let that hold you back from launching your fitness career.