Dear naturallywell,
Jumping in where other good advice left off; I would humbly suggest that the Reiki III or Reiki RM cert. is, really, at the end of the meditation, is only visual resume candy.
But to your situation; perhaps you could find a kind certifying RM who you might plead your case to. Perhaps she or he might fast track you so you can get your cert at a kindly $rate.
Namaste,
michael