You can learn to process your own negative at home. You can get all the chemicals from fotoguide or cathy down at peninsular plaza.
For the start you would only need developer and fixer. Wetting agent would be a plus to get. You would also need a developing tank, a thermometer, a measuring cylinder and a measuring containers. to mix the chemicals. Development temperature is normally at 21 degrees celcius.
The initial cost will be quite expensive but if you are doing alot of b/w, it will be very cheap. I always uses my storeroom to load my film into the developing tank. Don't even need a darkroom or darkbag. Just make sure you have a cloth to block of the light leaking from the bottom of the door.
For printing, you could send it to RGB or spectra if you can't build a darkroom in your house.