First of all I don't think you need to pay enormous fees/tuitions to learn programming games. If you want a certificate I think it is enough to take up computer sciences in some univeristy you find to be good - many universities have scholarships and financial aid - I do not think it is a good idea to take enormous loans just to have a certificate - a university doesn't need to have an amazing tuition fee to be good.
Another point I would like to make is that a certificate is not enough to become a game programmer - read this:
http://sloperama.com...ce/lesson49.htm I'd advise you to read more on the site and not just what I posted from it.
I think your motivation and actually what you learn yourself is a lot more important than just a degree - it's not enough to just get a degree
- it's a really good idea to get one if you want to work in game programming especially one in computer sciences, math etc. but this still isn't enough. I'd recommend you to read some books and do some projects in addition and even while you're studying:
Game Coding: Books:
3D and Rendering: Books:
I'd recommend C++ as it's a really powerful and versatile language, however that's really up to taste so you can use whatever you want, anyways here are some links:
http://stackoverflow...-guide-and-list Some beginner books:
http://www.amazon.co...eywords=C%2B%2B Tutorials etc:
Btw this article may help you too:
Many links could be added to this list - that's just a list you can try to start from. A little search in google will provide you with a lot more material than these link shere.