SJS- homeschooling should be seen as a viable option for families that cannot afford tuition or for areas in which there are no schools. All you need is a teacher and a few kids within the same grade-range and a syllabus. 3-4 grade can be together, 5-6th, and 7-8th as well. You set aside half the day for kodesh classes and half for chol. Its like a normal school but tuition is less- no overhead. If every family involved is teaching either kodesh or chol for a grade, then no money needs to be exchanged. If one parent is not, than you need to work out a system. Everyone needs to pay “X” amount, but if you teach a grade, it is deducted. The money that comes in from the non-teachers is split evenly amongst all teachers. You dont need a seperate teacher for math and english, rather the same teacher teaches all the chol classes. Same for kodesh.
Check with the government in your area and find out how to set up such a program. I know someone who did it (not from NY) and they found it rewarding- they taught their kids and knew how much they knew. There was less wasted time explaining the material over and over when it only is needed for one student. There was less busy work. There were smaller classes and the kids got more attention.