The solution to your problem is to setup a make shift darkroom. Just to develop film does not require a lot of "stuff" or space.

I used to load my development tank in my closet. I just turned off all of the lights and did this at night, so no dark curtains or anything was necessary. Then go to bathroom for the actual process. It only takes developer, stop, fix, HCA, and water. Not much to it....

Making contact print only requires a sheet of glass and a 15 watt (or so) bare bulb - again in my bathroom....

YES, 35mm contact sheet is challenging especially if you are over 40 (like me).

I *think* by the time you are on 20th roll of film, doing it yourself will start to actually save you money....

It's not hard. You just need to get started.... More than likely, APUGers will have enough spare to sell to you CHEAP so you can do just that.