I have been a trainer in different clubs all over the U.S. Most clubs will take the lowest of low in terms of certifications. Independent contracting or in home training is definitely where the money is at. I would put in a little time at the crappy gyms first to learn how to handle people and get along with all different kinds of personalities. Then build up a decent client base at that gym, steal all the clients and take them private. Charge the same amount as your gym charged them, except now you keep most of the money instead of giving 75% to the gym.
On a sidenote, strippers make the best personal trainers. They are usually hot, and are not afraid to be told "no" when asking people for money. All you gotta do is teach em how to curl a dumbbell and they will be rolling in the dough.