IF I posted harsh, please forgive- I'm not good at candycoating stuff and yeah, I'd appreciate brutal honesty.
First things first: Even though you're not in CCS, or studied design yet, I think you'd be surprsed by how non-photoshopped text can make an impact.
Try this link:
http://www.liquisoft.com/
Basically one of the typography pros on deviantART, and you can see throughout his whole layout, there was no "spiffy" text. Why? Because the text IS powerful. The combination of type, distance, weight and layout extrudes power more than layer effects can.
Observe, try and you'll see what I mean.