Nothing in your original post would give any indication how bad your situation really is.
Gynecomastia could be simply puffy nipples, fatty enlargement due to obesity, or fully formed breasts. It would help to know just what kind of condition you are dealing with.
You mentioned having seen a Surgeon, but did not give any indication how you made that contact. Were you referred to the Surgeon by another Doctor? If not, the best thing would be to start over with a visit to your family Doctor. Then a referral to an Endocrinologist may be in order. Finally, a referral to a Surgeon. Do not skip any steps, as it is important that the underlying cause of the gynecomastia is understood and dealt with before surgery.
If your father has Medical Insurance, there are ways to get the insurance to cover the cost.
Going to the Surgeon first is somewhat like contacting a garage about a major overhaul for a car that has quit without first checking to see if there is any gas in the tank. Of course the mechanic will do an overhaul for you.
Your height and weight would tend to rule out the fatty breast issue, but there are still a number of other things to study before you are ready for surgery.
For example, even if you are otherwise lean, you have some fat, How is it deposited? How fully are you through puberty? Do any other men in your family (on either side) have Gynecomastia? The condition does run in some families but may not be known to you unless you ask because the men having it keep it hidden.
If you are still in puberty, there is a chance that it may resolve without surgery. If you have reached adult stature and have pretty much finished puberty, there is very little chance of self resolution. Here again, Family medical history will give you an idea what to expect.
Don't panic, You'll get through this. It did not appear overnight, and it will also take a bit of time to get rid of it.
Most important, do whatever it takes to keep your self image positive. What is on your chest is less important that what is going on between your ears.
An earlier reply mentioned a summer job. I think that is a great idea. Hope for the best, and prepare for the worst.
Other replies indicated that the price quoted for surgery was rather high. I agree.
You know where we are, Keep in touch.
Good luck.