You can reduce the cost by not shooting unnecessarily (i.e. bracketing when you have perfectly good methods available for determine your ideal exposure), and paying attention to what is in the viewfinder every time before you fire the shot. In other words, by shooting more keepers and fewer duds. It's kind of insane, since photography is all about the 2D frame, but IME many, if not most, people do not really look at their frame or pay attention to the way things look when shooting. Learn to relate what you see in the viewfinder to what you will get in the darkroom, and you are well ahead of 90 percent of photographers out there, and you will waste an innumerable amount less film.
With processing, you can do it yourself cheep. With 220 reels, you can fit 4 rolls of 120 into one liter/quart of chemistry. You can even double roll back to back and get 8 in there if you really want.
As for printing, try a used Beseler or Omega to go the cheap route. They turn up on Craigs List commonly for anwhere from $50 to $300. I got my 4x5 Beseler in super condition with a color head and three lenses and three carriers locally for $60 (tho' the 50 lens has fungus...but it's OK 'cause I already had one), and a beautiful Rodenstock 150mm lens as new for an extra $80.
Or if you want a film scanner, DPUG can help you find one, but not APUG.