I came across this on the Leica Forum today. Apparently you can develop low speed black and white film with instant coffee crystals.
However, with this method, you still need fixer. I'm reading online that you can actually use saltwater for fixing.
Coffee, saltwater and a negative scanner -- that would solve my development costs and make me the MacGuyver of the local photography community.
Here's another blog that promotes using a mixture of coffee and vitamin C for quicker and developing with more contrast. And yes, he uses an iodized salt solution to fix the film.
The only downside is that I gave away all my film tumblers, trays and my enlarger years ago. I'll have to start checking garage sales and craigslist.