Although getting to Utila can be somewhat pain in the butt, you can usually get roundtrip for $600 per person from almost anywhere in the US, you can stay for a few dollars a night at a dorm, or rent an apartment for $400 a month - its all cheap... then diving can be had on a nice boat for $55 per two tank trip or $250 for 10 dives... being that you are a newer diver, what I would recommend if you were to come here, would be to do your advanced open water certification... you get 5 dives with the course, including a night dive if you like, then you get 2 free fundives as well... it's 7 dives for $270, but you get an awesome experience at some of the coolest places around the island and a few nights free stay at a dorm, or a good discount on the nicer rooms too...
there are all kinds of options here...
Utila Official Site - Utila, Bay Islands, Honduras - Tropical Island Paradise
www.utiladivecentre.com