Pessimist side:
I agree, for you to make games(code) you already have to be better than people on planeshift, programming wise. There\'s more than 10 studios

, but the biggest studios are the ones that pay good. There\'s no chance to make it there unless you already have 3 good years of experience and not just helping out a game project, but actually writing code.
As for 3d modeling for games, I believe it\'s even harder to find a job. Look at it this way, the current games don\'t require much pollys. MMORPGS, even the new wave, is nothing special for experienced modelers to do. If you want to consider 3d modeling seriously, I think there\'s a future in 3d movies and cartoons like Shrek

.
Overall, good luck finding job in US developing games. There\'s people who come here just to be able to get computer related jobs because Americans pay more. With all that competition...
Optimist side:
You can start developing your own games with a group of friends. Slowly learn the material needed and develop a game. Who knows, maybe somebody will even play it